Chase Home Finance

Review: Due to my husband's recent passing, I have been financially unable to make the mortgage payment. The house is currently for sale however I have applied for a forbearance in order to allow for the house to sell and avoid foreclosure. Since this request, Chase has contacted me on several occasions regarding the necessary paperwork. I have received two packets of 9 page applications since the initial application so I have completed a total of 3 applications for their review. Chase's cover letter sent with the latter applications state that they received the necessary benefit letter showing government assistance, but that it was incomplete and/or illegible. They have already received the transaction history pertaining to the EBT Food Benefit that I receive. They've requested a second copy of the benefit letter which I can not get unless I travel to the capital which is impossible at the moment. Since submitting these 3 application, I have also received an additional packet requesting the [redacted]. I've never been in the service. This was answered on the main application 3 times. I've told them that I have not been in the service and neither was my husband. This doesn't apply to me and yet they persist on asking for it, stating that the application is incomplete unless I produce this documentation. I am extremely frustrated by their incompetence and unwillingness to do their job. Chase has no reason to deny my request for a forbearance and yet they continue giving me the run-around until this situation goes into foreclosure.Desired Settlement: I would like for Chase to desist in asking for paperwork that does not apply to my situation and process the original paperwork provided, granting forbearance.

Review: I, [redacted], am currently in the process of assuming an FHA home loan with JPMorgan/Chase Bank from the current loan holder, [redacted]This process has been ongoing for over a month and a half since my initial application was receivedI have an assigned loan assumption specialist, Mrs[redacted]Mrs[redacted] and the entire process with Chase Bank has been a painful and blatant mishandling of my information with no regards for timeliness or accountability to the process
I have literally spent hundreds of dollars and dozens of hours filing out their forms, faxing, scanning, emailing, notarizing, and pleading with Mrs[redacted], her supervisor, and the generic chase customer service line via phone calls and emails for answers, updates or help with the process, all to no availI, and the current home loan holder are in total limbo, completely in the dark as to where we are in the process or what time line we're onToday is day since they received the application and all the documents they requested
Mrs[redacted] and her Supervisor, [redacted], do not answer simple requests for information and she continues to request information and forms she has already been sent multiple timesI've emailed or priority mailed everything she has asked for within the same day of receiving her requests, yet their responses, even when asking for duplicate information, typically take a week or more
We were officially told the process takes no more than days when we began, then Mrs[redacted] said today that it may be up to daysMr[redacted], the current loan holder, moves out of state in weeksThis process should have long ago been finished, yet we continue to get "the run around."Desired Settlement: All I'm asking for is that Mrs[redacted] and JP Morgan/Chase as a whole do their job in processing this application for a loan assumption in a timely and responsible mannerThe complete lack of interaction and blatantly delayed response time is unacceptable, especially considering this is a government FHA loanIf at all possible can you please contact her, her superiors, or JP Morgan in general and see if this situation can be properly and promptly handled
Mrs[redacted] can be contacted at ###-###-#### or by FAX# ###-###-#### or by email [redacted].[redacted]@chase.com
Mrs[redacted] supervisor, Mr[redacted] can be contacted at ###-###-####
Your assistance and inquiry into this matter is greatly greatly appreciated

Review: AROUND MAY 2014 WE WHERE LOOKING FOR A HOME FOR MOM. WE STARTED WORKING WITH THE LENDER FROM CHASE ([redacted]-SAUGUS CA. OFFICE) SHE KEPT GIVING ME THE ROUND AROUNDS. I KEPT CALLING HER ON A DAILY BASIS WHICH SHE SHOULD BE THE ONE CALLING ME AND KEEP ME INFORM OF THE PROCESS. THEIR TIMES SHE SAID SHE CALL ME BACK AND NOTHING. I REC'D MY PRE-QUALIFICATION PAPERS FROM CHASE AND I CALLED [redacted] AND SHE HAD NO CLUE THAT I HAD REC'D THEM. SHE SAID SHE CALL ME BACK AND UP TO THIS DATE SHE HAS NOT CALLED ME. I CALLED HER AND BASICALLY TOLD HER I DONT WANT TO DEAL WITH YOU OR CHASE FOR MY MORTGAGE DUE TO HER NOT BEING RESPONSIBLE AS A BROKER AGENT. I CALLED THE 1800 NUMBER AND WAS DIRECTED TO CALL [redacted] (LENDING MANAGER) WHICH I DID AND LEFT SEVERAL MESSAGES BUT YET SHE HAS NOT CALL ME BACK. I THAN WROTE A LETTER TO JPMORGAN CHASE IN COLUMBUS OHIO BACK IN DEC. 2014 AND STILL HAVE NOT REC'D A RESPONSE. WHAT KIND OF SERVICE DOES CHASE IS RUNNING WHICH HAS A BAD CUSTOMER SERVICE WHERE THEY DONT RETURN CALLS NOR LETTERS. I WAS LEFT WITH NO OPTION BUT TO FILE THIS COMPLAINE. I WANT TO KNOW IF I GOT THE LOAN OR NOT!! BUT LOOKING AT THIS I REALLY DONT WANT TO GIVE THEM MY BUSINESS FOR THEIR INRESPONSIBLE SERVICES..REFERENCE#:[redacted]Desired Settlement: I WANT AN ANSWER AS TO WHY I WAS NEVER CALLED BACK OR WHY WAS MY LETTER NOT ANSWERED.. EITHER I WAS OR WAS NOT APPROVED.. I STILL HAVE A RIGHT TO KNOW ESPECIALLY WHEN MY PERSONAL INFORMATION WAS GIVEN TO THEM.

Review: Chase Bank has increased my fixed mortgage payment due to an incorrect escrow shortage. The delaware county assessors tax office and myself have contacted chase bank notifying them of the correct property tax information and they will not change my payment. The escrow analysys chase is going off of is incorrect and they were notified of this early april before taxes were due and payed the incorrect amount. they have promised on at least 5 occasions to do another analysys but have failed to do so. Therefore my mortgage has increased to an amount I am unable to pay.Desired Settlement: an escrow analysys ran with the correct tax information from the deleware county assessors office. Written notice of the correct mortgage payment before my next payment is due.

Review: On November 14th 2014 I called Chase to get a pay off quote because our current house was being sold. After I got the total price to be paid by the buyer I asked what we should do about a November 2014 payment. I was told by not one, but two different CSRs that we did not need to make a payment because a pay off quote had been given. I even had them tell my husband the same information. The buyers didn't get their papers together until December. December 3rd a representative for the title company called Chase to get a new pay off quote to include any fees from November. Nothing was said to them about Novembers payment, we were not contacted about a November payment either by phone, letter or email. A check was cut to Chase and all payments were made on December 14th. Our payment date was the 15th of the month. On September 11th 2015 I contacted Chase about the Credit Reporting that we had late payments in Nov and Dec, I spoke to a CSR who said she saw a payment Nov 24th, and the payoff Dec 14th. It was supposed to be cleared up on the 14th, I called on the 14th 15th 16th and 18th with all the same issues. Decs information has been taken care of, but all the information about the Nov payment and phone conversations on the 11th and 14th were mysteriously missing. They are now saying they would never have told us not to pay, they have no statements about a Nov 24th payment nothing. It is all missing, but yet I have two different conversations, with up to three CSRs stating that Nov was going to be fixed as it showed payment by someone. I have Googled this issue and it seems to be widely know. Now I have a messed up Credit Report and they had already reported December wrongly and took no immediate actions, they are doing the same to November 2014Desired Settlement: I would like the correction made to November 2014s credit reporting.

Review: I need Chase Manhattan to delete inquiry from my credit report.

I recently received a copy of my credit report. The credit report showed a credit inquiry by Chase Manhattan that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it.

Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit.

I ask that you send me any and all documentation that you have had the unauthorized inquiry removed.

I need prompt response to this issue.

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this!

Please have this account removed from my credit file because it is making it difficult for me to acquire credit.Desired Settlement: I need Chase Manhattan to delete inquiry from my credit report.

I recently received a copy of my credit report. The credit report showed a credit inquiry by Chase Manhattan that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it.

Please have this inquiry removed from my file because it is making it very difficult for me to acquire credit.

I ask that you send me any and all documentation that you have had the unauthorized inquiry removed.

I need prompt response to this issue.

If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this!

Please have this account removed from my credit file because it is making it difficult for me to acquire credit.

Review: Chase charged me a late fee on a mortgage because the payment went through 3 minutes after the 8pm cutoff. Given Chases situation with Mortgage backed securities, I would think they would have not charged this late fee. Particularly as I hold mortgages on 2 homes with them.Desired Settlement: Removal of late fees

Review: I was selling my house between Apr- May (2014). My April mortgage payment was coming past due (30 days). I was in the process of closing on my house. I called Chase Mortgage & told them that I was in closing,. Asked then if I should pay the April payment, but since they had the pay-off amount it would not okay. I asked the Rep would my late payment would be filed on my report, he said, " No, Don't worry." Three weeks after selling my house, I was denied financing by two financial mortgage companies. When I checked my credit report, I found out that Chase had reported me late for the April payment. I called Chase & they said that had no record of the conversion, but did have the date & time I called. They said the did nothing wrong by reporting me late, & if I could prove the conversion they would investigate. Now my family in living in a rental, all of our property is in storage, and the dream house we waited to be build can be sold any day. This late payment is the only VA Financing requirement that is keeping us from enjoying the great American Dream. Please Help![redacted]Desired Settlement: Remove the negative information off credit report so my family can have the home that they have been cheated out of because of the REP that lied.

Review: We received an approval letter from Chase for a $390,000 conventional 30-year fixed mortgage (20% down, loan of $312,000) at 4.000% interest with no points; the email that included the approval letter mentioned that the rate was "based on today's rates and includes a 30-day rate lock." However, after the offer was accepted, Chase came back to us with "options", one of which included the 4.000% rate but with a requirement that we pay 5/8ths of a point, which would cost us $1,950. Chase is attempting to renege on its initial approval email; if it is not outright bait-and-switch style fraud, it is at the very least misleading advertising designed to lure us into a false sense of security.Desired Settlement: To atone for their dishonesty, we think it would only be reasonable that Chase offer us a conventional 30-year fixed mortgage at 3.875% and forego any lender fees; in fact, we would consider it only fair that Chase credit us the $1,950 they were attempting to charge us to keep the interest rate offer they advertised as good for 30 days with no points.

Review: I contacted [redacted], a mortgage banker with Chase, regarding a HARP refinance on my home to reduce my interest rate even though my home is worth less than what I owe. He took all of my information over the phone and said that Chase's HARP program would not allow for a LTV over 105% and after reviewing all of my information, he indicated that I would qualify and we proceeded with the application process over the phone. At this time, he also requested payment of the $460 application fee which was directly withdrawn from my Chase savings account. At this time, he did not inform me that the application fee was non-refundable. We proceeded through the process and my home was appraised for a bit less than what we had thought. When I spoke with him about the implications and the additional cash that would be required at closing, he then informed me that he learned Chase's HARP program was more strict than he had thought in that the 105% max LTV was required to also include and secondary mortgage or lien on the property. I do have a second mortgage on my property, which caused my LTV to well exceed 105%, making me ineligible for Chase's HARP program. [redacted] knew at the time of my application that I did have a second mortgage, but because he was not knowledgeable enough about Chase's HARP program, he proceeded with the application process anyway. If he would have known the requirements of his bank's program, then I would have known that it would not be worthwhile to proceed with a HARP refinance through Chase. In addition, [redacted] should have disclosed at the time I authorized him to deduct the application fee from my Chase savings account, that the fee was non-refundable. I did not learn the fee was non-refundable until I saw the actual application, which was after the fee was deducted. I spoke with [redacted] about how I though my application fee should be refunded for these reasons and his response was that there was nothing he could do.Desired Settlement: As a long-time bank customer of Chase, I would like a refund of my applicaiton fee of $460.00. If I had been informed of the complete details regarding the requirements of Chase's HARP program, I would not have proceeded with an application.

Review: ive contacted chase more then 5 times in the last 3 months and was told the issue would be corrected with (Experian) this issue is inaccurate payment history they did send me 2 letters which I then sent to Experian but it seems Experian wants it from chase which they have not done ,the history show I made a payment in dec of 2008 which is not possible since my house was in foreclosure due to lack of payment since sept of 2007 !Desired Settlement: Id just like them to send a letter to Experian them selves stating I did not make this payment in 2008 .it should show 180 days lates on the dec 2008 payment history .

Review: My home is in escrow to be sold as a short sale, the first mortgage holder ( green tree ) has approved the short sale with several conditions. 1 being approval from the 2nd mortgage holder ( Chase bank ).My real estate attorney has confirmed with Chase that the loan amount has been forgiven, the attorney has requested the loan forgivness letter from Chase to complete the short sale. We cannot close on the short sale without the letter from chase. I called chase bank & spoke to a [redacted] she confirmed " the loan amount has been forgiven" & also confirmed the letter was sent to my attorney on the 24th of March. Although, the attorney states he has not received the letter. I called [redacted] at Chase again, she said she would try to locate the letter & fax it over. Still no letter, I called again & spoke to [redacted], he said he would look into finding the letter. He called back 5/4/15 only to tell me " there is no letter & the loan has not been forgiven". He is now halting the short sale by holding the letter of loan forgivness to try & extort money from me. He is asking for 7,000 to settle the loan amount so we may proceed with the short sale. It seems he is deliberately holding the letter, halting the sale to extort money. There are 2 real estate agents, 2 attorneys, the buyer & myself with time & money involved in the sale of this property. All of us are affected by the unscrupulous act of this [redacted] at Chase bank. [redacted] ext. [redacted] contact number, [redacted]Loan [redacted] chase bankDesired Settlement: DesiredSettlementID: Other (requires explanation)

To receive the loan forgivness letter, which was confirmed by 2 chase bank representatives, to complete the short sale contract.[redacted] 040 ext. [redacted]Supervisor [redacted]Loan number [redacted] chase bankThe attorney on record:[redacted]

Review: I am requesting that the July 11, 2014 foreclosure sale date scheduled for 9:00am be Postponed.

I have been working with Mr. [redacted] and have submitted all of the financial documentation and Request for Modification forms he has asked for and I believe my file is currently under review.

I have spoken with [redacted] early today and during our conversation when I had asked if my foreclosure sales date could be postponed. He stated that my sales date for APRIL 12,2014 had already been postponed.

I was caught very off guard by this statement as this was the very first time I had heard that my home had an APRIL 12,2014 foreclosure sales date scheduled!

I am very confused and upset by this new information, as I would have addressed the issue of the sales date at that time.

I have received many subsequent letter from Chase since the beginning of this year until now and have never received any notification with reference to the April 12,2014 date of sale.

I feel that Chase s processes have stalled me until the last minute and now set me up for foreclosure.Desired Settlement: I PROTEST THIS EXTREMELY POOR COMMUNICATION with Chase Bank and ask that the sale date be postponed immediately!

Review: Mortgage on previous property was with Chase. Monthly payment included an escrow fund for taxes and insurance. We sold the property with a scheduled closing date of 6/19/2014. Chase utilized escrow funds from my account to pay the buyers HOMEOWNERS INSURANCE in the amount of $2556.00. We received a letter dated June 5, 2014 indicating this payment had occurred, however the names on the account/policy do not match. Chase requested action on our part if this was an error. Upon receipt of the letter, we contacted Chase and determined the policy that was paid was, in fact, the buyers policy. We were told this would be corrected immediately, terribly sorry for the error, etc. At the closing on 6/19/2014 it was determined the escrow account was still short $2556.00. Many subsequent phone calls and many apologies later, we still do not have the $2556.00 that CHASE took from our escrow account to pay a homeowners policy that is not our policy.

Phone inquiries began immediately following receipt of the letter dated 6/5/14. Most recent follow up was on 7/24/14, 7/25/14 and 7/31/14. Each representative is courteous and apologizes for the inconvenience. All have indicated this has been elevated to a higher level to expedite the return of funds that are due to us. Yet, funds have still not been returned.Desired Settlement: Immediate electronic return of $2556.00 that was used by Chase to pay another customer's homeowners insurance.

Review: I have provided Chase Mortgage several times my policy for flood insurance. I also had a Chase rep called my agent for policy info and a faxed policy. I have also faxed Chase twice with this policy. But they seem to say I am not covered. Chase has slapped me twice with their Flood Insurance Policy. They can not get their paperwork in order. I have also had the insurance agent call confirming my policy. I have called Chase and was told it may take up to 15 days for our records to catch up. It's been two moths. My last call I asked to speak to someone to make a complaint but was put on hold and told no one is available, gave my contact info for someone to contact me in regards to this and was never contacted. I also got a strange check in the mail from Chase Flood Administrator for $125, when I asked the Chase rep about that she took my contact phone number saying someone would call me. I never filed a claim so I was unsure what this check from Chase was about. Also, I am not sure why Chase is also making me have flood coverage for more than my condo value. Not sure what they are up to, seems shady.

Review: I mailed a cashiers check in September to pay my monthly loan. Unfortunately I forgot to write the loan number. JP Morgan Chase cashed the check and did not even look at the address or the name on the Cashiers check from [redacted] confirmed the check was cashed and spoke with [redacted] that day who promised to reconcile and post the payment. That never happened. I called and a rep created a ticket to have it done. That ticket was closed. They asked me to email a copy of the cashed check which I did. They still will not apply the payment. The last time I spoke to a rep he was rude and even said I can go to my bank and get my money back or call back. This has been going on for a month now and and no resolution has been reached. In other words Chase can cash a check and take the funds and will not give it back because you did not include a loan number. I have provided every detail about this Cashiers Check (not a check Cashiers Check). But no one will help me. If this one is posted it will cover my September payment and I will be left with October. But I am getting notices from Chase about 2 months behind.Desired Settlement: I want this reported to their corporate office and I need someone to call me and resolve this issue.

Review: I am the buyers agent for my two buyer's [redacted] They were pre-approved by Chase back on 8-19-14. We went into contract on 9-3-14 with an expectant closing date of 10-6-14. Come a week prior to closing escrow and all parties involved in the transaction start asking about the loan process, and when loan documents would be to escrow. We missed our closing date of the 6th because there was simply NO response. Come the following week we continued to ask for updates multiple times a day, still no response, until Wednesday of that week. The response was "We are working on processing the loan, there has been additional items we need now in order to move forward". We extended the closing date 2 weeks to 10-17-14 to allow Chase to gather the items they said they needed. We decided to bring in another lender who said they could close in 2 weeks and see if Chase would follow through. There has only been maybe 3 responses in the extra 2 weeks we allowed for Chase to gather documents. Not only did Chase NOT close this transaction, but they pulled from my buyers checking account (also with Chase) a processing fee of $550.00 for the loan.....maybe this is just my own ethical reasoning kicking in, but doesn't that seem a little fraudulent to charge someone for a loan that was never delivered upon within the 45 days given to close?! Something needs to be done about the practices Chase is using to close and process loans. If you are overworked simply state to your clients you cannot close the deal, don't leave EVERYONE hanging on hoping you pull through. My buyer needs to be refunded the loan processing fee, and something needs to be done about the 3 loan officers, and 2 managers we spoke to through out the process so this doesn't happen to other customers. The customer service we received was APPALLINGLY horrible. I will never represent another buyer who is closing their loan with Chase!!!Desired Settlement: Refund my buyer the "loan processing fee" they were charged for ($550.00_, as you did not close the loan nor even make an attempt to close it as far as we can see.

Review: I have tried resolving matters with a gentleman by the name of [redacted] of [redacted]. I tired resolving matters with him and he seems not to understand the issue. I stated to him during the months of July and August 2014 my bank waived a fee of 25.00 for me and again in August they charged me another 14.00. Each time it was for a NSF fee which I never gave Chase an opportunity to go into my account but they had tried to get into it causing an NSF. In August, Chase charged me a late fee of 14.00. I am tired of trying to resolve this matter w/Chase. Can you help? I have tried resolving this matter back in July with Chase which I sent the docs, then again last month with [redacted] is eager to pass me off he does not want to deal with the matter he practices avoidance of my calls and or requests.Desired Settlement: I would like for [redacted]my bank) to get back their 25.00 NSF and I would like my $14.00 fee reimbursed back to me.

Review: To whom it may concern,

I purchased a home in October 2012. The mortgage was sold to Chase, who has been managing the loan since then.

The property was new construction - a large single family home was demolished and four town homes went up in its place. At this point it did not have a parcel address as it was not yet assessed by the county.

On May 24th 2013 it was entered as a new taxable entity in the county of [redacted], PA and given a parcel ID. I then received a bill in mail for taxes, and called Chase on May 30th 2013 to inform them that the temporary parcel ID they had (from the old building) was incorrect and it needed to be updated.

From here forward I made dozens of phone calls between Chase, and [redacted] county, trying to get Chase to accept the new parcel ID. Chase required their own "investigators" find this information out, despite the information always being available on the County's website.

After many tax delinquency notices and being told that I would be fined and assessed additional interest (and sent to collections soon), I called Chase again, trying to figure out why they wouldn't pay my taxes. They stated that they could not pay because the parcel ID was still wrong (they would not accept the new parcel ID).

My taxes finally got paid, but with penalties and interest taken out of MY OWN escrow account, despite this being entirely Chase's fault. I filed a dispute with them directly, asking for the money back and was denied. They claimed that on September 20th, [redacted] CHANGED and verified my parcel ID, which allowed them to finally pay. I called [redacted] County Treasurer (1-[redacted]) and spoke with the customer service supervisor. He confirmed that on May 24th 2013 my property was assigned a parcel ID that NEVER changed and my taxes were eligible to be paid on that date. Chase paid my taxes on Sept 30th and they unfairly, and without permission paid fines and interest with my escrow.Desired Settlement: I would like a full refund of the interest and fines paid on my real estate taxes. Additionally, I lost out on a 2% prepayment discount.

According to my records, they paid $587.24 which includes taxes and fines. Without taxes and fines, the amount was $538.75 and with the 2% discount, this would have come to $527.98. Therefore, I am requesting a refund of 59.26 added back to my escrow account ($587.24 - $527.98).

Again, according to [redacted] themselves, this property was eligible for payment as of May 24th 2013. Only because of Chase's internal processes did they not pay until payment was received on September 30th 2013.

Review: I paid chase $470 to do an appraisal on a home. Chase did not come through with any type of service period. Instead I was cheated over and over again with bogus lies. I asked for a refund and was told that the fees were used for administrative fees. I spoke with my mortgage broker in regards to this and it is an unacceptable made up excuse. Fees are used for the services you pay for and nothing else. To make the excuse that the fees were used for administrative fees is just another way for them to keep your money.Desired Settlement: I want a full refund in the amount of $470 because I never receive services I paid for.