Chase Home Finance

Review: I requested a Loan Modification on my residential home in March, 2012. Chase continues to drag their feet, accruing fees and penalties, while making no progress towards the actual loan modification. They keep asking for documentation on items that were previously received. Meanshile, I am getting further and further behind. I am already in Chapter 13 Bankruptcy and due to their lack of action, my payment to the Chapter 13 Trustee is about to go up by $500 on October 1, 2013.Desired Settlement: I would like them to complete the Loan Modification process and delete any fees and penalties assessed to my account.

Review: 10-14-13 I phoned in my mortgage payment for my personal residence, acct#[redacted] of $1100.00 (additional principal included) . On 10-24-13 I received a recorded message on my home phone that my payment was past due. 10-25-13 I called and spoke with [redacted] and found out the payment was posted in error to my rental home ([redacted]). [redacted] said the payment would be transferred to the correct account within 24 hrs. and gave me the transfer [redacted]. 10-29-13 I called to make sure it was transferred. I spoke to [redacted] who said it was scheduled to transfer by the end of that day. 10-31-13 I called to verify it was transferred, it wasn't. I spoke to [redacted] who said she saw a request for it to transfer, it is pending. 10-31-13 I called back and spoke to [redacted] I stressed to him that I am concerned that this will affect my credit and no one is offering any resolution. I told him I was going to call in a payment on 11-1-13 since it was going to be over 30 days. 11-1-13 I phoned in a payment of $1093. 11-4-13 called to see if payment was transferred, spoke with [redacted], I asked to speak to supervisor, he said his supervisor would call me back in 24-48 hrs (no response as of yet). 11-5-13 called again, payment still not transferred. It has been 10 business days and my payment is still posted to the incorrect account. My credit is very important and I have done everything within my ability to have this corrected.Desired Settlement: Transfer my payment of $1100, made on 10-14-13 from [redacted] (my rental property) to the correct account, Acct#[redacted] (my personal residence)

Review: My basic complaint is that Chase did not follow through in a home loan modification. The remedy I seek from them, which I have communicated to them in writing, is for the loan to be dismissed and for free and clear title of my home to be returned to me. I completed my loan modification paperwork and made my 3 trial payments in full and on time. The last payment was made on 5/31/13. [redacted] from the Chase Home Equity ERG (Escalations) Department advised me that my loan modification was approved and that my loan would show current. However, he admitted that Chase had made a mistake along the process. I actually began my loan modification process in late 2012. On 10/1/13 [redacted] said the following to me: "I promise your payment will be $302.33. We are holding ourselves accountable. We ourselves made an error". The error he was referring to was that Chase had made an error in the loan analysis and in the escrow amount when calculating lender-placed insurance. Later that month, October 2013, he retracted what he had said on 10/1/13 and was unwilling to work with me. I have made numerous calls regarding this issue and I have documented all of them. My last two calls to Chase were made in January and February of 2014. I spoke to [redacted] from the Home Equity Collections Department and to [redacted] of Loss Mitigation. Both of them were unable to assist me due to the conflicting information appearing in their system and promised me that someone would contact me. Nobody ever called me back. Thus, I seek the remedy specified above.Desired Settlement: I would like for Chase to honor my request of dismissing the loan.

Review: The complaint stems from refinancing the mortgage for our home. I was told that the appraisal from 6 months ago was not valid, due to fluctuating market values. There were comps in the area from over a year ago that were listed on the appraisal. The current appraisal shows the value of our home decreased over $20,000 while the current comps indicate that the market is stronger than when prior appraisal was completed. I received notification that my request to refinance was canceled as I had requested, but I never requested that. Also, I emailed [redacted] (as suggested by [redacted]) multiple times to escalate and get an update, but there has been no response on over 2 weeks.

thank youDesired Settlement: Please refund the $455 appraisal fee if unwilling to correct the appraisal and continue with the new mortgage.

thank you

Review: I am trying to remove my ex husband's name from my house and was told about what is called an assumption back in April 2015. Since then, I submitted all paperwork and application as required and was assigned to the Assumption Department in July 2015. After completing additional paperwork, this was sent to Underwriting and I was told that processing would take 10-14 days. Since August, I have received multiple duplicate requests for my W-2s and bank statements. As of September 30, it was still in Underwriting. On October 9th, my employer received an additional request for employment verification which was first submitted in August. My ex husband has filed a show cause with the Chesterfield County Circuit Court and our next court date will be in early November. Due to the delay in this process, I am facing consequences (jail time, attorney's fees, etc.) on mattters that are beyond my control.Desired Settlement: I need to have the assumption process expedited as I was originally told that Underwriting would take 10-14 days and it has now been 2 months.

Review: My husband and I made a payment on our home loan on October 4, 2015. Chase "assumed" we wanted the payment to come out of a particular checking account (which had not been used in over 2+ years) instead of the checking acount that has been used Repeatedly for over 2 years. The old account they used was my account which should not have been used. When Chase attempted to draft the wrong account, my bank kicked the payment back resulting in a $36.00 overdraft fee. We called Chase and informed them they were attempting to draft the wrong account, processed the payment again using the correct account. Three days later my checking account was assessed again which resulted in another $36.00 overdraft fee. My husband called Chase requesting a refund to me for the two fees since it was their error. We were told to provide proof from my bank that I was in fact charged the fees due to Chase trying to use my account. We did that next day. Today I get a letter stating that Chase can not refund me because the fees clearly show they are pertaining to Chase. I called this evening to resolve the matter. Instead of getting assistance I got to talk to a very rude senior specialist who couldn't help me. Instead he was rude and showed no interest in resolving the matter. I feel that Chase owe me money for the hardship they have placed on me. They are the ones who processed the payment from the wrong checking account. As big of a company that they are, what's $72.00 to them... And what happened to good customer service? I feel as though they are taking advantage of me and it's not right! This is not my fault!Desired Settlement: I feel as though they owe me a refund for the two returned item charges my checking account was charged due to Chase's error. They processed the payment incorrectly and now they don't want to own up to their mistake. And they turned around and took the payment from my husband's account in the long run.

Review: My mortgage has been held through chase for years.. I am currently going through a divorce. My payment is two months behind and has been so since January of 2013. The company had repeatedly explained that a quick claim deed is necessary to remove my ex husband from the property during a refinance procedure. For months I have fought for the deed to be completed. Today I called chase to tell them I could start the program with a signed quick claim deed. After talking to 4 different employees I was told that the quick claim deed has nothing to do with the financial aspect of the property and I would have to pay a good amount of money to complete an assumption package.

I was also told that I could get help with lowering my monthly mortgage payment but there is no assistance programs to keep my house through the divorce settlement without paying their fees. I am outraged that I have followed their requests get help to keep my home and now that I have the paperwork complete they will not help me. This has been a year of phone calls and letters and attorney fees that have been paid by myself and ex-husband to comply with their guidelines to get a sorry I can't help you response.Desired Settlement: I would like to complete the home owners assistance program that they have offered me several times to refinance my home into my name so that my children and I can keep our home.

Review: In August 1987, I obtained a mortgage from then [redacted] My original loan number is [redacted] It wa a 30 year mortgage . My intial payment schedule was on a monthly basis. In January 1997, I opted to pay my mortgage on a BI-WEEKLY basis, per the bank offer. By the terms of the contract, my last bi-weekly payment was MARCH 2014. As of today , JP Morgan Chase , is still deducting my bi-weekly payments, eventhough I have fulfilled my contractual obligations os of March 2014. I have showed all my documents to the local branch at [redacted] and still not been able to resolve equitably. On June 18th 2013, I received a letter contrary to my original contract. I submitted a written request on July 9 th 2013 with all supporting documents showing my bi-weekly payments and the contract to that effect. I dispute that letter and informed them that they cannot change the terms and in 2011 I have a letter indicating that .

In 2002, my mortgage was transferred to [redacted]. In JUNE 20, 2011 , my motgage was transferred to [redacted]Desired Settlement: PER THE ORIGINAL CONTRACT, MY MOTGAGE PAYMENTS ARE PAYED IN FULL ON MARCH 2014. REFUND OF MY PAYMENTS FROM APRIL OF 2014 with interest.. JP MORGAN CHASE needs to get their records in orders not defraud the consumers.

Review: I lost my investment in which I had just moved into in [redacted]. over a scandal involving my lender, insurance company, city workers/investors of property, etc. My home was damaged by a verified STUCK PRESSURE RELIEF VALVE- in one of the newer boilers that caused an EXPLOSION. The heat had to be ON and working at the time (per expert tech in heating /cooling)- and no way could the explosion happen unless it was on- and lucky I had the water turned off at the time because otherwise I would of had a fountain of water (and the building would of been a complete loss) [redacted] - refused to pay any part of the claim - even that they knew the damage was NOT caused by me NOT having the heat on - they CHANGED the claim from EXPLOSION to "water damage" just for 'harassment' when I got a new insurance carrier [redacted] who dropped me when they say the FALSE claim by [redacted] of water damage... and even changed the claim DATE to reflect a year PRIOR!- then after I was dropped by [redacted] MUTUAL - again played with my claim and changed it to "freeze damage"- all this proof and the [redacted] INSURANCE COMMISSION still did NOTHING about the fraud by [redacted] Since I could NOT get insurance anywhere else after the games - JP MORGAN added on there insurance so I'd have to pay $2,200 a year (instead of $350!) I couldn't repair all the damage estimated at $15,000 as after the heat failed the other radiators froze which was not apparent until they thawed. - I could no longer afford the payment (can't renting/living or doing anything with the property! I got harassed right out of my property just listed months earlier for $145,000- Later I received notification by the INDEPENDANT MORGAGE REVIEW GROUP- (enclosed Payment) that indeed it was a scam and lots of people lost their home because of the scam- I received only $600.00 from [redacted] and packages from [redacted] Settlement Info months later that I filled out and sent back and heard no acknowledgement since!

Product_Or_Service: RELIEF FROM SCAM BY CHASE MORTGAGE

Account_Number: [redacted] -Desired Settlement: DesiredSettlementID: Other (requires explanation)

It turns out any "CLASS ACTION SUIT" is only to benefit the ATTORNEYS (most likely the SAME attorneys that caused the con to begin with ~!)It appears that I and all VICTIMS only got $600.00 losing their LIFE SAVINGS INVESTMENTS - like me! I can't get this company to send me "IN WRITING" acknowledgement they received my packets and the EXACT SAME SCAM IS HAPPENING WITH MY OTHER PROPERTY! FIRST the building gets damage by forces beyound my control

Review: After being bothered for several years with calls from Chase to refinance my mortgage with them I called them about a month ago to refinance. They sent out a appraiser after I filled out the paperwork who determined that the property worth was not adequate to secure the loan. The refused to refund my processing fee when I complained.

Being that Chase is the current holder on my mortgage, they should know the value of my home. That being said, I believed that they knew exactly what they were doing and were getting into by offering to refinance me. I can only assume that this is a scam to gather processing fees and deny the customer once what they know already is confirmed by the appraisal.Desired Settlement: Return the processing fee to me

Review: CHASE BANK IS THE 2ND LIENHOLDER FOR A CLIENT OF MY OFFICE. MY CLIENT IS ATTEMPTING TO SHORT SELL HIS HOME. I WAS INFORMED BY MULTIPLE CHASE REPS ON THE PHONE THAT THEY WERE RECEIVING AN EXCELLENT OFFER AND PAYOFF ON THE PROPERTY AND THAT NOBODY UNDERSTANDS WHY IT HAS NOT BEEN ACCEPTED. THIS WAS MONTHS AGO. I STILL CALL AND FOLLOW UP DAILY VIA THE EQUATOR SYSTEM TO GET THE APPROVAL FOR MY CLIENT, WHO IS TRYING TO DO THE RIGHT THING AFTER HITTING HARD TIMES FINANCIALLY. CHASE IS SHOWING A BLATANT DISREGARD IN THEIR SERVICING TECHNIQUES. THIS IS HAVING A NEGATIVE EFFECT ON THE CLIENT AND THE LACK OF DDILIGENCE ON THE PART OF CHASE IS NOW ENDANGERING US OF LOSING THE BUYER ON THE PROPERTY AND THE DEAL FALLING THROUGH. PLEASE CALL ME OR EMAIL ME DIRECTLY AND I WILL BE GLAD TO COMMUNICATE WITH THE REPS AT CHASE REGARDING THE FILE, BUT AT THIS POINT THEY HAVE DONE NOTHING FOR US TO TRY TO PUSH THIS THROUGH. MULTIPLE COMPLAINTS WILL FOLLOW NAMING ALL THOSE INVOLVED ON THIS TRANSACTION SHOULD A RESOLUTION NOT BE REACHED WITHIN THE NEXT 48 HOURS.Desired Settlement: SHORT SALE APPROVAL TO BE GRANTED FOR MY CLIENT. PLEASE SHOW SOME DILIGENCE AND GET THIS DONE AS IT IS THE BEST SOLUTION FOR ALL PARTIES INVOLVED. THE LACK OF PROFESSIONALISM HERE IS ASTOUNDING IN COMPARING CHASE TO OTHER LENDERS WHO I DEAL WITH DAILY.

Review: I was trying to refinance my current loan and was told something I didnt know until today 29 July 2013. My loan should be a 30 years loan but I was told today I had a 35 years and I would like to know why. My balance is not correct also, I was told I have six (6) 30 days late within the last 6 months and I want that corrected as I have not. I want accurate information placed in my credit report when I look at it.Desired Settlement: I want my credit report fixed and I would like to know why my loan for 35 years when it should be a 30 year loan, an extra 5 years was added to my loan, I want this fixed. Plus I want them to take off my credit report that I have six (6)30 days late within the last 12 months, as I have not. I want them to put current information on my credit report. I want the information for [redacted] removed as they took over that loan.

Review: Chase, by their own admission, messed up on refinancing my mortgage. They agreed to start over and honor all the original terms of the loan. They refuse to do this now that rates are higher and it will cost them money to do so.Desired Settlement: Principal reduction to current loan.

Review: I contacted Chase Bank Mortgage dept in January of 2013 and advised that we have refinanced and I want to make sure that they were aware that my husband and I [redacted]) will be making payments around the 3rd week of every month and I wanted to make sure that we will not be bill a late fee. The gentlemen that we talk to told us that we have to call in every month to get the late fees waived and depending on who answers the phone they may or may not adjust the fees. That sounded really crazy to me because we have been paying our mortgage with them round this time period and they had not charge us.Desired Settlement: please adjust the late fees and update your records as they were before we refinance to reflect that we will be paying our payment around the 3rd week as we always did and did not incur any late fees..

Review: I wanted to find some information about refinancing my house. I spoke with [redacted] and we met for 10 to 15 minutes. After that she requested some documents and I told her I just want to get some info and find out how I could save some money. She said that, I will not sumbit your application without your approval. After a week, I found out there is a charge on my Saving account and after sometimes, I found out [redacted] went a head submitted my refinance application without my verbal or written approval. I believe this is a fruad and she should be charge for fraud or her bank should be charged for fraud. I have been promised to get my refund within five days but it has not happned so far after 8 days.Desired Settlement: DesiredSettlementID: Refund

I want [redacted] and her bank be accountalbe for their mistake which has caused me a great deal of time consuming along with psychological discomfort.

Review: JP Morgan Chase claims my payments for my mortgage are running 30 days past due. I have provided to Chase a copy of my bank statement or copy of cancelled check for every payment made since January 2011. Chase can not tell me when I missed a payment. They come up with several different dates which I have the proof of payment. I have been told my account would be audited and an resolution would be made in a couple days. Chase was provided with All bank statements and cancelled checks on 3/11/2014 and again on 4/3/2014. The resolution has not been made at this time. I was verbally told by a Chase employee on 3/26/2014 that my account was current and in good standing and would receive a letter stating Chase had made a billing error. I have yet to receive the letter and since then I have received phone calls claiming my billing is still late and the audit has not been completed or resolved as previously told. My billing statement does not show any where on any page that my payment is late or past due.Desired Settlement: I would like Chase to complete the audit and report to the credit agencies that my payments have been on time and in full. I am trying to refinance my home and there error will cause me to lose the chance at a new loan.

Review: we requested hardship assistance from Chase and their mishandling of our file caused us to miss out on the timeline allowed for help.

In January of 2014 or right about that time, we applied for assistance from Chase because we had fallen on hardship due to my failing health. Initially we were told there was help that we could get and please send in the documentation requested. We did this. This part of the process became the problem. It almost seems to have been done on purpose but our file kept getting reassigned over and over again. And by the time each new rep had gotten to respond to our request they need new and updated documents. This happened more times then I can even count. Over this whole time we be are further and further behind and we were told we could not pay into it unless we were able to pay the entire back amount. Before the foreclosure was filed we thought they had realized the mistake they had made because the rep we were then working with said for us not to worry, that he would be the one handling it from then on so no more transfers. Two weeks later we received another letter stating we had another rep. We cannot assume to know why this happened with our time sensitive case file was handled other then maybe fast employee turn over? As far as our hardship, I had been diagnosed first with severe advanced Crohn's disease that was actually misdiagnosed ten years ago according to hospital records. We lost my income and acquired numerous medical expenses. The testing for more health issues is still not even complete. I am waiting to hear from my cardiologist when my heart testing is to take place. And after a stroke scare at the ER I have to have an MRI of my brain at a neurologist and testing done on my pituitary. I am very very sick. We do not understand how we could be denied assistance from Chase with our mortgage. But unfortunately through research I have found the way they have handled or rather mishandled our file so that our timeline to get documents in and processed in time for help is not anywhere near a first time occurrence for this bank. We informed them that I had applied for SSD in Feb of 2012 and finally had the hearing one month ago. We are awaiting the decision now. I am currently to ill to move and replace all my current doctors I am being treated or tested by. And the two new doctors I am supposed to see. My health is in danger because of how poorly our hardship request with them has been handled. We were forced to destroy our credit and file bankruptcy to be able to stay in the area around my doctors longer. This is our first home. We did everything right to get it. We did not have an outrageous mortgage or a balloon payment. Their treatment of us is not right. Something should have been able to be done. Like I said earlier. They would not even allow us to pay towards what we were accruing at all. Is there anything that can be worked out before they attempt to sell our home? We have to keep our five year old daughter housed and safe as well but they don't seem to be concerned with the welfare of children either.Desired Settlement: A mutual agreement on solving this situation without us losing our home and risk our daughter's welfare or cause serious hazards to my health and well being. Medical records can be provided.

Review: I am writing you concerning my Home Equity Line of Credit.

Chase Loan Number: [redacted]

I have been trying to resolve this matter for the past several months. I have become

overwhelmed with this matter and the stress is effecting my health. I am an 81-year-old

Disabled Veteran, and a retiree of [redacted].

I originally fell behind due to my air conditioning unit going out and needing to be replaced.

Then I had a bad fall and broke my back. I was in the hospital for two months and in rehab.

for six months which led to missing more payments.

When I was contacted by Chase about my account, the representative gave me an amount

due that I did not have the ability to repay at the moment then, rather than negotiate a

payment plan, suggested their Mortgage Assistance Program so I went along with it.

The truth is I never needed Mortgage Assistance.

I am willing and able to repay my monthly payments, late charges and Attorney

fees that total $2,731.00

I would ask that the taxes totaling $3000 paid by Chase on my behalf

be broken down equally over the next twelve months and added to my regular monthly payment.

This is the only concession that I request.Desired Settlement: I am willing and able to repay my monthly payments, late charges and Attorney

fees that total $2,731.00

I would ask that the taxes totaling $3000 paid by Chase on my behalf

be broken down equally over the next twelve months and added to my regular monthly payment.

Review: I have been experiencing numerous delays with Chase Mortgage and am at the risk of losing my earnest/option money ($1,000.00). I signed an amendment last week at the seller's request stating that I would forfeit the earnest money if we didn't close by 07/16/14. The seller is extremely frustrated with the delays and we should have been able to close almost two weeks ago. I have had to submit documentation several times since Chase's initial requests were not correct/"valid". I have dealt with several people in the mortage/lending department and everyone claims that my file is being expedited with the underwriters but I have yet to see any results. I am currently waiting on the underwriter to review (1) document which was sent over this morning. I had provided all the data/information that was needed on Friday and everything was held up because they needed a formal document and were not willing to accept an email. My HR vice president had to submit (2) written verifications which only added to the delay since Thursday/Friday were holidays in [redacted]. I was also mislead a few weeks ago whenever I was lead to believe that my file was with the underwriter. It turns out that the loan processor was in the hospital and my file was sitting on her desk. I have tried to be patient and understanding but Chase definitely dropped the ball and nobody is willing to do anything to help my cause.Desired Settlement: My goal would be for them to approve the loan so I could get my house. If I am unable to close by 07/16/14, I would expect some type of compensation for the $1,000.00 that I will lose.

Review: I have an 80/20 mortgage and started an assumption with Chase for the "20" mortgage in November 2013. They have been less than professional and ethical during the process. They ask for documents then make me wait only to tell me that I need to resubmit the very same information. I was able to assume my "80" mortgage in a matter of about 3 weeks. I make more than enough money to assume this loan. After requesting documents several times and I provided them, they asked again. I was one day late so they closed my assumption. I spoke with a supervisor who promised that "now that my packet was complete they would send it right to underwriting". I was also informed that I had a new liaison. After about 2 weeks of trying to reach my new case manager, I reached out to her supervisor only to find out that she "no longer works with us and I guess we should have reached out to you before you contacted us". Then I was assigned another liaison. And the games continued, asking for documents, I would submit them and wait weeks to find out that they wanted me to resubmit the same documents because the others "were too old now". They wanted 2 months of bank statements from [redacted] (the account, which is not my primary account and only has $116 in it). I informed them that there were no statements because there had not been activity on the account for over 1 year. I wrote, signed, dated, and submitted a letter to the effect as well. Several weeks ago, they again asked for bank statements, pay stubs, tax returns, and IRA statements. I submitted all of that plus the letter about the [redacted] account on 7/10 (before the due date). I did not hear from anyone at Chase until I received a letter today that the assumption was closed for missing information. I feel as though they are dragging this out for some unknown reason. My credit score is good, I make over [redacted] a year, and above all can afford my mortgage payment. This company is abusing its customers. I have left messages for the supervisor whom only returned my call once, never there after when I left messages. My case worker rarely responded or did not respond in a timely fashion to my calls or emails.Desired Settlement: To honestly and ethically perform a mortgage assumption which I am more than capable of paying.