Chase Home Finance

Review: I applied for a mortgage modification with Chase Home Mortgage in February 2013. I was approved for a trial modification with Chase with my trial modification amounts being due June 1, July 1, and August 1, 2013. I have the trial modification paperwork from Chase stating that if I paid my trial payments on time that they would complete a permanent/final modification and keep it as close to the trial payment amounts as possible. During the trial modification process, my mortgage was sold to Select Portfolio Servicing (SPS) who I have had nothing but issues. As a result of this mortgage transfer, SPS has increased my payments almost $200 and has since increased it again with no reason. Under the National Mortgage Settlement Act, Chase is charged with ensuring that all serviced transferred accounts in the process of a modification transition to the new servicer without issue. I request documentation regarding what modification program I was approved for with Chase. I feel strongly that selling my mortgage in the middle of the trial modification period was a way for Chase to circumvent awarding me a final modification that reflects the amount as indicated by my trial modification documents.Desired Settlement: I want Chase to buy my mortgage back from SPS and provide me a permanent modification amount of $805.95 or lower as indicated by the trial modification amount as well as their letter stating they will complete the final modification with a monthly payment amount similar to my trial modification amount. I want my credit report fixed as this transfer of my mortgage has been nothing but issues with the new servicer SPS not applying my payments made as they indicated they would be made.

Review: My and I husband received numerous offers from Chase Bank to re-finance our current mortgage at a lower rate. Since Chase is our current lender, we decided to call their 800 # in the middle of November, 2013 and inquired about the rates. Because my husband served in the military and retired from the service, they offered a rate of 3.625%, about 2 points lower than our current rate. Within 3 days, we received a packet of documents and a list of requirements for us to provide in order to lock the rate agreeing with the terms & conditions of re-financing. The documents were sent to the Arizona Office by fax on November 26, a total of 25 pages. Three weeks had passed, I called the Mortgage Banker to inquire and he replied by saying he has not received a single paperwork from us and that he said he had been trying to contact us by calling our home ph #. Initially, I have provided my cell phone as the primary number to contact. They made several phone calls to our home phone number regardless. I re-sent the 25 page document on 12/12/13. I was also asked to provide our checking account because we are required to pay the appraisal fee of $455.00. A week later, we received a phone call and an email from the loan processor requesting addt'l. documentation with a deadline to submit by 12/23/13 such as: my husband’s letter of discharge/retirement/separation from the military and a copy of the home owner's insurance . Even with the holidays, we submitted the requested docs on 12/19/13 to comply with their request. On the same day, we received an e-mail back from the mortgage banker with additional information/documentation required. One of the items requested was a letter of explanation why they have not received the mortgage payment for the month of December. I replied by copying a screen shot of our receipt from their portal/e-bill reflecting payment on 12/13/13. This was frustrating, they should have checked their system in the first place before telling us that we have missed a payment. The rest of the addt'l. requirements were submitted on 12/23/13. On 12/26/13, I received an e-mail from the loan processor indicating that the bank statements sent on 12/23/13 were unacceptable so we had to re-produce a statement that is acceptable on that same day. On December 30, 2013, I received another e-mail from the loan processor requiring 6 addt'l items, one of them is to provide a written statement on the ff: “ 5) Letter of Explanation (signed and dated, stating whether you want to pay off the home equity line of credit at closing or if you would like Chase to subordinate).” I replied by e-mail indicating we do not wish to pay the home equity loan at closing and neither do we accept their offer to subordinate. Previously, we have mentioned to the mortgage banker that we have acquired a home equity loan through our Credit Union but no action has been required from us until later, when we were almost done with the process and we were assured by the loan processor that closing should take place as our application has been approved. On Jan 6, 2014, I received a phone call from the loan processor - she demanded that the home equity has to be subordinated and that it will take 4 weeks to obtain the subordination from our Credit Union. Because of that, Chase is requiring us to pay $242.50 to move forward and keep the same interest rate as our lock-in agreement expires on January 20, 2014. Their inability to convey and properly disseminate the terms, policies and requirements in re-financing, the process is prolonged, the fact that it took 3 weeks before initial documentation was reviewed, request for documentation was done on a piece-meal basis, I am very disappointed with the service and I feel as if we are being penalized for their shortcomings. Chase Bank has been our lender ever since they purchased [redacted] so they have a full record of our mortgage payments - not a single payment have we missed nor defaulted, neither my husband nor I have filed for bankruptcy. Our house has been appraised 3 times the value of the amount that we are re-financing and in less than 5 years, we can fully pay the house but because they offered us a much lower rate, we thought that it was nice a gesture - but not so! I left messages - one for the loan processor's manager and to the over-all manager that handles feedback on home loans/re-financing. it's been over 48 hours and I have not heard from neither one of them.Desired Settlement: 1. Waive the cost of $242.50 to keep the rate of 3.625%; closing is delayed attributed by the bank's inefficient and slow processing.

2. If not agreeable with the above, we wish to terminate our application and ask for a refund on the cost for the home appraisal fee in the amount of $455.00

Review: I had two mortgage accounts with Chase bank, a 1st and a 2nd. Account ####[redacted] (primary) and [redacted] (2nd). The house was sold in 11/2011 as a short sale with both accounts paid for less than the full balance. The way Chase is reporting the ####7[redacted] account to [redacted] and [redacted] it is showing as a foreclosure and not a short sale. It is being reported with the comments, "Account paid for less than full balance, Account paid after foreclosure started." It is being reported correctly to [redacted] as "Account paid for less than full balance." I am trying to refinance my current home but because they are reporting to [redacted] and [redacted] in the way they are, [redacted] and Fred[redacted] are not able to get my loan request through underwriting because they are reading it as a foreclosure and not a short sale when in fact it was a short sale. Even though Chase reported it correctly to [redacted], they are unwilling to correct the report to [redacted] and [redacted] to show my account as "Account paid for less than full balance", only. This language is effecting me greatly in my attempt to get a better interest rate for my home and will end up costing us a lot of money because of a language correction that would accurately reflect how the house sold. As far as account [redacted] (the 2nd), they reported that correctly to all 3 credit bureaus.Desired Settlement: There is recourse needed from this complaint. I am requesting that JP Chase bank report correctly to the 3 credit bureaus to show account #[redacted] as "Account paid for less that balance" only. This will show that the home was indeed sold via short sale and not a foreclosure.

Review: My name is [redacted] and I am writing on behalf of my father [redacted], whom has tried to refinance his home since September 2013. Yesterday I got the news Chase was canceling his application because we did not get the paperwork in a timely manner. First off, we were passed around to 3 different mortgage bankers[redacted]). By the time I got to the third person she did not know what she was looking at. Second we had to go through someone out of Houston and she kept telling us the underwriter needed more information. The underwriter looked over the application at least 10 times and each time needed one more piece of information from us. We faxed over the paper work to her but [redacted], banker out of Houston, did not get the paperwork. There was a big miscommunication between the underwriter, [redacted] and which ever banker out of Harahan we were dealing with at the time. Actually I believe there was no communication at all because I had to fax/email each piece of information to each and everyone. It was very unprofessional of Chase to give me the run around considering the cost of the application fee. Besides, she did not have a reason to cancel our application due to "Untimely manner" because I always manage to get it to her within a week.Desired Settlement: DesiredSettlementID: Other (requires explanation)

I would like to get answers to why I was passed around for 5 months. If Chase was unable to do it, they should have just refunded my money and I could have taken it else where. The best I hope they can do is either reopen the application and go through with it, refund my money, or call and give me a better explanation then "Untimely manner".

Review: I have a mortgage that is due on the first of each month. I have ALWAYS sent my payment of $325.35 at least 1 week before it is due. I make sure that my payment has credited to my account before I send in my monthly payment to principal. I have had nothing but problems with them for putting the funds in the wrong place. Example: They received (sent me a receipt) my regular payment of $325.35 on 3/31/2014 which they credited to my principal. The principal payment they received (sent me a receipt) $225.00 they put to the mortgage. Plus they said I would still owe $100.35 (225.00 + 100.35= $325.35 ) Again I called and was told your payment is not due until the first. Therefore any funds received before that will go to principal ! They received it one day ahead? They can't tell by the dollar amount that it is due for the mortgage? This has been going on for months. Each time they say they will correct it it. Someone took it upon themselves to do something different. I am 74 yrs old I have had MANY mortgages through the years at different banks for my homes and businesses. This is the first time that I have had this problem. The other thing is that they are trying to get me to change how I make my payments. I have them automatically sent from my bank at [redacted]. They said they will do it for me from Chase. They said that way I won't have any problems. I told them NO! I will not have anyone touch the funds in my account. I have asked for a phone number and an address to write to the corporate office so they can see how they treat their customers, etc. Each time they pass me to supervisors. I talked to someone yesterday and she said she will fix this latest mix up but how about next month etc..? Obviously I am not the only one with problems with Chase. I saw HUNDREDS of complaints against them yesterday when I checked out a consumer complaint site.Desired Settlement: First --APOLOGY. Second-- check out their employees and tell them how to do it correctly. They say--as they always do that it's the computers fault. --Third-- straighten out my account and make sure they haven't messed up my credit!!!!

Review: Chase Military Office calls concerning delinquent mortgage. However, the court awarded the house to my ex-wife and she is not a veteran.

My ex-wife is habitually late on the mortgage and the Chase Military Office calls me to inform since my name is on the mortgage. However, we are divorced and the house was awarded to her. I have explained this to the customer service reps that call me every month. As well, she is not a veteran and should not recieve veteran benefits or courtesies.

The property account number ends in [redacted]. The address follows:

[redacted]Desired Settlement: Please discontinue any veteran benefits associated with this property and ensure that your representatives call her and not me when the mortgage is delinquent.

Review: We received a notification last December notifying us that our repayment period for our Equity Line of Credit will begin December of 2015. I immediately made contact with Chase inquiring about refinancing and consolidating our first mortgage and the equity line of credit with Chase. The woman I spoke with advised that I should wait until summer of 2015 as the housing market is continuing to rise and we would be more likely to get the appraisal we need to consolidate the two loans. Ironically, December 29,2014, a letter was sent to us indicating our first mortgage had been sold to another Mortgage company. July 10, 2015 I made contact with Chase to begin the process of requesting mortgage assistance. I mailed the entire package requested on July 19th. August 20th I sent additional documentation that was requested. I was then told it would go to underwriting and the process could take up to 45 days. After receiving no notification of the status of our request I contacted Chase on October 12th. [redacted], our mortgage assistant, stated "Oh I am glad you called we have been trying to get a hold of you, we need additional information." I again gave her my contact information that is also on the mortgage assistance application that was mailed on July 19th. I became upset as I asked how long this process is going to take as December 15th a large payment will be due. I provided the second request for additional information on October 26th. I left a message for [redacted] informing her I sent over the additional paperwork and asking she return my call to verify she got it. She never called. I called again on November 2, 2015 and left another message. [redacted] returned my call and stated she was glad I called because she did not have the correct phone number to contact me. I again explained my frustration that this process will not be resolved before a large payment will be due December 15th. She promised she would speak with underwriting. No call yet.Desired Settlement: We are not asking to get out of the loan, we are asking for assistance via a refinance or modification.

Review: For years Chase Bank has sent 1099s and 1098s to the ** Franchise Tax Board (FTB) in my name and social security number at an identity thief's address in [redacted] (someone named [redacted]). Now the FTB has wrongfully closed my bank account and assessed a $65,000.00 tax lien against me because of Chase Bank and [redacted] and others. I made many, many many requests to Chase Bank TO STOP THIS, but they won't correct this issue and continue to accept mortgage payments under my name$ social security number, and continue to report tax liability in my name and social security number. I DO NOT HAVE A MORTGAGE WITH CHASE BANK! I AM NOT MAKING PAYMENTS TO CHASE BANK! I AM A 68-YEAR-OLD DISABLED SENIOR CITIZEN ON BELOW-POVERTY-LEVEL SOCIAL SECURITY INCOME ONLY! I was referred to you by [redacted] Senate Aging Fraud Hotline: [redacted]@aging.senate.govDesired Settlement: I want this nightmare to end! I want a letter from Chase Bank to the Franchise Tax Board explaining their gross and egregious mistake that has gone on for many years. Then I want proof that Chase Bank has taken action against [redacted] and his comrades who have stolen my identity to perform these illegal acts with Chase Bank. I want compensation for my bank account, tax levies, credit repair, and time spent because of this mess: $17, 816.29 to settle these claims. I want this pre-litigation settlement before the FTB deadline of November 27, 2014, when the FTB has threatened to begin involuntary collection procedures.

Review: I have had issues for the last two years where I have to continuously call Chase to correct billing related to my escrow account. I have provided them with contact numbers, did conference calls, and sent documentation over course of months in both years. I have offered to pay what ever shortages are found to be correct to avoid an increase in my mortgage, but I am told that it will still increase even if I pay the shortage.Desired Settlement: I would like Chase to correctly bill me for charges in my escrow without me calling for 3-6 months out of each year, and I would like to know why paying the shortage would still result in a higher monthly payment.

Review: Chase keeps giving customers the "run-around" about home modification programs....they keep asking for documents that have already been given to them to delay the process and in the end they don't do anything for you and you have to start the process all over...this has been going on for more than 3 year and no one does anythingDesired Settlement: Modify my loan

Review: This is about getting a home loan assistance from Chase.

I had a personal hardship that affected my family life and I fell behind on my mortgage. I started filing for mortgage assistance in august of 2012. At this point I am not sure how many applications I had filled out for assistance. Everytime someone called I gave them my finacial information. Chase has stalled and delayed and made my chance for getting any kind of help almost non existent. This started with [redacted], then [redacted] in the executive office. the last straw is I got and application in an completed with a [redacted] and completed on January 14, 2014. About the same time I received a Letter from Chase that my loan was being reassigned. I called and I was assured that my loan would go to underwriting and would have a decision before it was reassigned. And if it was reassigned my application would carry over, They lied and missled me. On Feburary 15, 2015 when my loan was reassigned, I called no one called me back. Anyone I spoke with told me I had to talk to M&T bank. I had to fill out a new application and start looking for help again. An in true Chase operation On the 03/14/2014 I received a Fedex letter from Chase that A [redacted] was trying to get in touch with me I have called 03/14,03/17, 03/18, 03/19. Still no answer.

I have nothing else to lose while I sit here waiting to lose my house because of the poor treatment from ChaseDesired Settlement: Do somethng to help me Forbearance a refinance something

Review: I went to closing to refinance my old mortgage serviced by Chase on May 10th, 2014, the new mortgage company is a different bank. Chase was to send back my escrow account for approx. $6200.00 to me after closing, but instead sent $5,323.10 of the refund to the town for taxes, even though at closing I was told we were all on the same page, that the taxes were already collected and being paid by the new mortgage company. Chase sent $5,323.10 after the mortgage was completely settled, resulting in the town receiving a duplicate payment on the 22nd of May, which they promptly returned the same day (according to the town and their Tax Record Department). Although I inquired on May 27th where was my refund when I received just under $900. from Chase with a statement "Settlement in Full", the representative at the Commack, NY branch said it was probably going to take a couple extra days before they got the check back. I inquired again on June 2nd at the Greenlawn, NY location and was told they had no information, but to try back in a couple of days. He said he put an official inquiry on my account for the funds (only because I requested it). On June 5th, I called their mortgage center and they told my they have no notations or information of such matter, but would have their tax department look into it. I spoke to [redacted] who told me the inquiry could take 30-90 days but to check back in 7 days. I feel like they just keep telling me that past inquiries magically disappear, and I am getting further and further away from collecting the money which is rightfully mine. Any help is appreciated.Desired Settlement: Payment in full of my funds!

Review: I have been blocked from making payments to my mortgage account online, via phone and via automated phone payment. Issues noted by Chase with my [redacted] account were resolved in July as requested and the payment account readded to my chase account.Desired Settlement: Provide the ability to make payments to my Chase account via my [redacted] FCU account online and other electronic means. This is necessary due to my overseas and US travel. Also - credit my account as being paid on time for August since I was forced to make arrangement for paper payment.

Review: Oct 1991 I bought at house [redacted] with my ex-husband [redacted] the loan [redacted] also had my name on it [redacted] for $46,000. September 25,1998 Chase sent a letter saying the house is being sold to [redacted] the principal balance of $40880.30. In June 1999 our divorce was final and the divorce decree clearly states the title belongs to [redacted] which I sent Chase a copy of it. I continue making every payment with checks until my dad [redacted] paid it off for me and my children in May 2003. When I received the title it still both [redacted] and [redacted] on it, at that time call Chase back they said, they would fix it. On Feb 16, 2007 I took out a second mortgage loan on [redacted] in my name. Then last year I sold the house.

The problem that I'm having with Chase Manhattan Mortgage is that not showing any credit on my credit report. But, it is showing up on [redacted] credit report. The title is mine according to the divorce decree that I sent to Chase back in June of 1999 and I was the one that continue making payments on it until my dad [redacted] paid it off. So, why is my ex-husband getting credit and not me.Desired Settlement: I want to get mortgage credit for paying off loan #[redacted] on [redacted] this month July 2014. I deserved it for being the one that pay off the loan and the title belongs to me not my ex-husband. The credit should be taken off his probably I don't know how that works. I would like to buy a house this month but, need this fix on my credit report.

Review: I obtained a mortgage originally with [redacted] just before the market crash. My husband and I remained responsible and reliable with our mortgage payment through difficult financial times despite the plummeting value of our home. All we wanted to do after years of reliable service with [redacted] and then with Chase was to refinance our existing mortgage which was an adjustable rate to a more stable fixed rate mortgage. Chase was unwilling to EVER help us out. They had us jump though hoops on several separate occasions only to then ultimately tell us that there was nothing they would do for us because we either made too much money, or because our loan wasn't backed by Fannie Mae or Freddy Mac, or because the loan amount was greater than the home value. They were simply unwilling to ever provide any type of assistance because they knew they had us in an impossible situation. For years my husband and I had to deal with this though we remained perfect creditors. This, however, meant nothing to Chase. Leaving Chase was one of the happiest days of my life. I will NEVER use them for anything. I will never recommend them to ANYONE. Chase is horrible.

Review: I recently purchased a new home using [redacted] Independent Mortage Company in [redacted] as my lender. I knew the loan would more than likely be sold to a large national company like Chase or Bank of America. I would like to make my mortgage payment bi-weekly. [redacted] sent me payment options immediately after closing on the home giving you the option to setup automatic payments to be drafted each week for 1/4 of the total mortgage payment, biweekly for 1/2, and monthly for the full amount. In fact they encouraged you to pay either weekly or bi-weekly because you would save 1000s of dollars over the course of the loan. Paying biweekly reduces your 30 year loan to about 23 years. My loan was sold to Chase. I proceeded to setup an online account hoping that I would be able to have bi-weekly automatic payments established. It was not an option. No big deal, I thought - I will call and see if they can do it for me via phone. Customer service told me that, in fact, they "highly suggest not doing this to avoid risk of being charged late payments." I was curiously surprised, continued talking to the representative, and come to find out Chase does not provide this as an option. Not only do they not provide the automatic bi-weekly payments, but I can't even personally login online and make a bi-weekly payment myself. Your only options to make a payment are to pay the FULL monthly mortgage amount on a single payment or choose to make a one time additional payment to either principle or escrow. Chase, one of the largest banks in the United States who was bailed out by citizens of the United States, won't let its lendees make bi-weekly payments on a mortgage. I thought to myself, ok, well, I will just send a check every 2 weeks indicating on the memo line that it is to be applied to my minimum monthly mortgage payment. The customer service rep told me not to do that because they could not guarantee it is applied to the monthly payment versus additional principle and once again "is putting [me] at risk." Considering a mortgage is the single largest debt most people have, I could only imagine that Chase would want to make paying that mortgage easier.... but, then again, they would lose thousands of dollars in interest. The customer service rep alluded to having a program similar to this in the past but they got rid of it because too many people were having late fees. I'm not sure how paying half of your mortgage earlier in the bill cycle leads to more late fees, but that's an entirely separate issue.Desired Settlement: Chase should allow ALL lendees to make automatic weekly or bi-weekly payments applying those payments directly to their current monthly payment that is due. It is entirely common sense that anything paid OVER the minimum monthly mortgage payment would be applied as a principal payment unless otherwise indicates by the lendee.

Review: In August 2014, I applied for a mortgage refinance with Chase bank. My property valued increased and I wanted to roll my FHA loan into a conventional loan so I could stop paying mortgage insurance. I chose to try to go with Chase because I have been banking with Chase for years and have always had a great experience with them. I received a phone call from a mortgage banker named [redacted] who helped me through the initial application process and told me I prequalified. We discussed the terms of the loan, APR, interest, closing costs. etc. At this time she told me that I would have to $460 that would go toward the cost of the appraisal. Knowing that I was paying down debt and that I did not have any liquid assets, I specifically asked if this would be my only out of pocket expense. I know I specifically asked this because if it wasn't going to be my only out of pocket expense, I wasn't going to be able to go through with the refinance because I did not have cash available for any other costs. She assured me that this would be my only out of pocket expense and that my closing costs would roll over into my loan. I thought that was great. She did not say "there might be other costs." She did not say my closing costs "might roll into my loan." She assured me that they would. I know my financial situation and I would not have settled for anything less than. I may have been naive, however, I believe a it is a bank's responsibility to be up front, especially when I am asking a very specific question.

Once the appraisal was done and I received the report, I immediately contacted [redacted] with a couple of discrepancies. First, the appraisal report stated I did not have AC, however, I do have AC in my unit, the appraiser never asked me if I had it or tried it out. Second, the appraiser wrote my HOA fees as $377, however, my HOA fees are $322. [redacted] said she would pass this information on to the underwriters, however, I do not believe she did this as the latest good faith estimate I received still had my HOA fees listed at $377.

In the beginning of September 2014, I received a good faith estimate which had my closing costs at close to $6,000. I called and emailed [redacted] immediately to ask her about this, however, it took her days to get back to me. In the meantime, I spoke to general customer service person who was able to give me more time and detail then [redacted] ever had. I emailed [redacted] supervisor to complain and ask for a new mortgage banker, but it took her several days to respond to me as well. By this time I had all the answer I needed from the fabulous gentleman I was able to speak to in the regular customer service department and by the I heard back from [redacted] supervisor I explained this and told her I was fine to keep [redacted]

When I did finally hear back from [redacted] she started to change her story, saying she never assured my that the appraisal fee was the only out of pocket expense that I would have. I went on to try to explain to her how I know that was the conversation we had, but she wouldn't listen. That was the last time I heard from her, even though I emailed her several times after that.

My interest rate was locked in until 10/14/14 and was told we would close no later than that. On 10/11/14 I sent [redacted] an email since it had been over a month since I heard from her, even though I sent her an email on 9/25/14 asking her for a status update. In this email I stated that I assumed the refi wasn't going to go through and that I felt her conduct was very unprofessional. I stated that I felt mislead over the out of pocket expenses. That I was disappointed and frustrated over the lack of communication, and that I felt like I was being treated unfairly because I am not a big customer. This email also went unanswered.

Then a few days after 10/14/14 I received an automated email with a new good faith estimate with the interest locked in until 11/14/14. By this time I was beyond my frustration level. I sent another email detailing my anger at the lack of customer service and professionalism. In this good faith estimate, my HOA fees are still listed as $377, which is why I believe that [redacted] never updated the incorrect information from the appraisal. Actually, this is the exact email I sent:

"After I sent you the email re: my refinance probably not going through on Oct 11th, I get a new email with a good faith estimate and a new closing date adding an additional 30 days. No email or phone call from you though explaining. The problem is, there are errors on that form. Errors I have already told you about in the past.

First, my HOA fees are not paid through my mortgage payment so they shouldn't be included in the mortgage payment breakdown.

Second, my HOA fees aren't $377/month, they are $322/month.

Now that I've gone and gotten all mad about the situation again and since you feel there is no need to be in contact with me, I've decided to file a complaint with the Revdex.com. Again, I feel as though you misled me by telling me the only out of pocket expense I would have is the $460 for the appraisal. You can deny it all you want, But I specifically asked you that question and that was your response. You misled me on the time frame of a 60 day close. I've been put aside as though my money is not good enough. My credit may not be strong, but I always pay my bills, so in reality, chase is missing out on making money off of me. I've also decided that when I get back from taking a short trip I will be closing all of my chase accounts and will be banking elsewhere. You have made it perfectly clear that my money is not good enough for chase.

I will also be sending this email to your supervisor and everyone else's email address that I can get a hold of in your corporate office so they know why they are losing a customer that they make quite a bit of money off of.

[redacted]"

A few days after sending that I was able to find an email to the executive office. I forwarded this email directly to the executive office with the following additional message:

" am forwarding you an email I sent to a mortgage banker I was supposedly working with on refinancing my house. This is the most recent on my unanswered emails.

I am a small Chase customer that always spoke highly of the excellent customer service I have received from Chase. I don't have a lot a assets and I do have a lot of debt. I don't have a credit score, but I always pay my bills on time. This experience has turned me off to Chase. Within the next few weeks, I will be closing all of my Chase accounts, including credit cards and will find somewhere else to bank. I have been a Chase member since you took of Washington Mutual and haven't had any problems until now.

However, this isn't a small problem, this is a problem where I feel misled and mistreated. I will also be filing a complaint with the Revdex.com. Within this complaint I will be requesting a refund of $460 for my appraisal. There were errors within the appraisal that I notified the mortgage banker about immediately, these were not corrected. Also, had I not been assured that the $460 was the only out of pocket expense I would incur, I would not have gone through with the refinance process.

I am emailing you out of courtesy. To let you know how I plan to proceed. I am most certain I will not hear back from anyone and that no one at the bank cares, however, I will continue to work my way up the ladder until I have exceeded all of my resources.

[redacted]"

I did receive a phone call from someone at the executive office. I called them back literally 2 mins later and had to leave a message. My phone call has gone unreturned, this has led me to finally filing this complaint.Desired Settlement: I want a refund on the $460 I paid for my appraisal. There were mistakes in the report, which I reported immediately, and have obviously not been fixed. Also, had I not been led to believe that this would be my only out of pocket expense, I would not have gone through with the refinance process and there would not have been a need to pay for an appraisal. Had I not been assured that the $460 was the only out of pocket expense I would incur, then I would have waited another year or two when I had more cash available to pay for any additional closing costs that I may have incurred. Also, when we began the process, I agreed to a 60 day process. This process has been extended an additional 30 days, I did not agree to that. The appraisal was for naught and I want a refund back on the credit card the bank charged it to. Oddly enough, it's a chase credit card, so they aren't really losing anything.

Review: Whereas I am the (grantor/beneficiary of and owner of record & interest holder) has funded and place certain personal property "Promissory Note" principle amount of $ 1,720,000.00 , plus interest and other valuable derivatives securities in a trust with Chase Home Finance LLC the account # is [redacted] whereas Chase operate solely as the trustees performing services as the fiduciary of the trust account , I am the sole owner at a 100% ownership. This relationship begin in August 2007 with a 30 yrs maturity date which would have been Aug. 2037 or until the custodian close the account and return all income, funds and personal property to the beneficiary along with interest which remains until the deductions of fees lawfully owe to the United States Treasury for federal tax purposes, because of the direct breach by trustees this relationship is void and all funds are here by required to be returned whereas I [redacted] has not received the funds as of yet and Im required at this time to pay taxes on the full amount. Refer to Acquisition And Abandonment 2012 filed with IRS that shows owner of record ownership of secured property listed right or redemption .Desired Settlement: To send me my $1,720,000.00 back and all will be forgiving and they can have the interest, Im willing to settled this matter with the court system and to not write and bad reports about this bad faith with Chase Home Finance LLC publicly. And for Chase Home Finance to also pay the taxes owned on the full amount as well and send me a copy that shows that that in fact paid the taxes on the full amount. And also to replace all of my other properties that was held in trust meaning [redacted], and pay for the hardship my family had to go thur because of their lack of good faith which should not exceed two million dollars

Review: Chase failed to provide $3000 in relocation after I remained in the property throughout the short sale proceedings and at closing no monetary relocation assistance was provide.Desired Settlement: The relocation fee of $3000 will settle this complaint.

Review: I have been trying to get a modification with Chase since 2008. The company requires me to send in paperwork, then they state that they have not received them. They continue to request paperwork and continue to tack on fees. In 2011, I sent chase my mortgage payment to get my payment caught up. Chase did not accept the payment that was made and the continue to harass and call concerning the mortgage. Chase also sent me paperwork stating that if I placed my house up for short sale by 10/31/2012 that I would receive 6% of the sale price. I placed my house up for short sale on 10/15/2012, two weeks before the deadline. An offer was made in April 2013 and Chase accepted the buyers offer. After reviewing the information, I was informed that I would not receive the 6% as originally agreed upon. That the amount that I was to receive would be nothing. Then the agent tried to make me pay an additional 5,000.00 to the seller's agent. I have contacted [redacted],( my dedicated customer assistance specialist at [redacted]) for the past 3 years and I have voiced my concerns on her answering machine and I am to receive a return phone call from her. I have also faxed and mailed her information concerning this matter, and I am yet to receive a return phone call, although her voice mail states that she will return the call in 24-48 hours. This entire situation has been very stressful because I have been trying to raise a family and I do not know where I stand from one day to the next. My health has been greatly affected and I am sure that it is because I spend most of my time wondering when will Chase put me out in the streets. I feel that this situation could have been avoided, if only someone was willing to communicate and work with their customers.Desired Settlement: First I would like for Chase to remove all of the derogatory items from my credit report. I feel that since I did send Chase the money to catch my house payment up and the money was returned, that all of the information should be removed. 2. I would like all of the late fees, attorney charges etc removed from my file and my credit report. 3. I would like to be given a modification of the existing loan balance without all of the tacked on fees. 4. If I am am not given the modification, then I would like to receive the original amount of 6% of the short sale price which was agreed upon in 2012.

5. I would like some communication with someone, other than my dedicated customer assistance specialist [redacted].