I have a mortgage payment with chase.I have escrow(taxes and ins.) included in my monthly mortgage payments monthly that I pay every monthI Received a letter from county that my taxes for *** ** *** *** ** *** ** have not been paid from chase I talk to Chase several times and no answer to why Chase is refusing to pay taxes The county treasurer sent me a notice of tax sale on delinquent property on October 12, 2018..Talked to tax deptat Chase and said they would expedite this info and call in days..Called tax dept and escalation dept ###-###-#### back on 10/29/
They all said it shows up status:charge off closed out as of 10/29/18..Doshaneka and Guillermo from escalation deptsaid they are not sure why chase is not paying taxes but they will contact their supervisor and call me tomorrow (10-30-18) To let me know more infowhy they don't want to pay property taxes.The total taxes owed is $2,012.81..One person from Chase told me it was paid and another person
I have a home equity loan with the company that is joint with another personThe loan should have been paid off alreadyI have ask the bank to remove my name from the promissory note since I have been divorced from the other owner since The bank has taken my name of the account so I can't get any information, this was the request of the other ownerI have written letters to the bank asking them on several occasions to take my name of and give the other owner the full right of paying it ofThe loan is on the residence of *** *** which is the home that the other owner of the loan livesIt is now thirteen years later and the loan is still open because the bank allows the other owner to just pay the minimum amountThis is effecting my creditIt don't take years to payoff dollarsI just want my name taken off this debt and the bank won't do it
I purchased home which was new construction The mortgage was originally held by *** Mortgage who sold it within the first couple of months to Chase Mortgage There was an escrow account for taxes and insurance that transferred to Chase I was instructed to mail my tax bills to Chase which I did every time I received one When Chase did their escrow analysis they determined that there was an overage in the account and refunded the overage to me I contacted them at that time and explained that the original assessment which the taxes were based on was on the land only and that the reassessment would be done and all the amounts would go up They advised met that I had two options and that was to deposit the check into my personal account or use it to pay down my mortgage balance I asked about the escrow shortage that would occur once the house was reassessed and they told me that when they did the escrow analysis again that it would all be adjusted Following that I continued to
This is a 30yr mortgage loan with 8% interestThe interest is outrageous and the monthly payments I am making are consumed by the interestI've inquired about refinancing to see if I can get a lower rate, but they said because of the size of loan they cannot do it
CHASE QUICK Pwife tried to use the quick pay today so she could send money from her bank account to mineChase sends me a hyperlink in a EmailA test run of sending bucks from her to meI click on it and it sends you to a sight and tells you to "Sign up" for a sight called clearxchangeIt is directly affiliated with chaseThere is no spot to SIGN UPThen I call customer service times and am on hold each time for 30min nobody ever answersTerrible experienceI am canceling my chase CC and my wife is canceling her chase checking account
CHASE COMPLAINT
February 6,
Re:
Amy Espinosa
Carlos Espinosa
Chase home loan #
Property Address:
NArroyo St
Visalia, CA
To Whom This May Concern;
I am writing this letter of protest against Chase Bank concerning my home mortgageIt is to my understanding our government tax dollars bailed out Chase Bank in agreement they would help customers like myself
In the last several months I have attempted to apply for mortgage assistance with Chase Bank and have gone to great lengths to save my home and they are unwilling to helpI am in desperate need of assistance being a single mother who has two legitimate hardships this last year
I have produced hard evidence of a divorce and obvious loss of income in addition to a shoulder replacement surgeryI have included documentation of both to Chase Bank with all required paperworkI was awarded our home in the divorce as well as primary custody of my children
Chase then told
It has been a nightmareI've had mortgages with *** and *** *** in the pastNo problemsChase's customer service is horrible, and they move very slowlyI have ten days until my lorate expiresThey have had all necessary documents for several monthsThey are still not signed off on the mortgage, and I may lose my lorate, as none of the lawyers will commit 100% to a date until the bank signs offAnd since it is a weekend, and the following Monday is a holiday, there are only five business days leftJust horribleRegardless of how nice the mortgage banker is, I would avoid Chase at all costs because the people in Ohio working on the files do not care
I completed a Mortgage Assistant application in May and they sent me an agreement in July stating that I don’t have to make payments for two months which was August and SeptemberAt 1st I was disappointed so I contacted the representative who was assigned to my caseI didn’t read to the entire document because I was mentally overwhelmed and the representative assigned to me at that time assured me that I didn’t have to make any payments other than the amount agreed to for two months
On 09/22/I received a letter from CHASE saying I had to make paymentsOnce again I didn’t understand so I call to verify the letterThe representative informs me that: ‘’I had no need to worry, I should disregard the letterI don’t have to make any further paymentsI should consider it as if my student loans are on forbearance or deferment.” I asked her if that’s correct and she once again assure me and say yes that’s correct
To my amazement I received a notification from my credit a
We went into Chase to refinance to a year fixed They started the process and sent us paperwork, but then told us we could not refinance due to "information that's reflecting on our credit." When we asked them for more details and documentation for the source of what's preventing us from refinancing, they will not give us a straight answer They actually just never responded after multiple attempts to get more clarification from them The two loan officers we were working with were Richard F* (***) and Adrian O*** (***)
I have been paying my Chase mortgage via automated paymentEven when the monthly payment has fluctuated, my payment is directly deposited to my escrow and all payments including taxes and insurance along with principal and interest payment have been madeHowever, since December 2017, Chase has changed this without prior notice to mortgage holdersWhen my monthly payment does not match my actual monthly payment due, they placed my payment in "unapplied" fund account and charge late fee until the full amount is receivedNot knowing that the monthly payment has been changed, my escrow account do not have enough fund to pay the monthly payment despite the fact that I have been making automated monthly payments without failOnly email I received from Chase since I signed up for paperless statement is that a payment has been madeNo prior notice of changed monthly payment amount, nor escrow account balance being low or negativeIn addition, they have added negative escrow balance to m
at closing we had advised Chase of an automatic payment being sent in from *** ** ***the Chase agent did not show the payment as having arrived yetthey advised that in order to close that day, we could stop payment on our electronic payment and proceed with closing with the current amount owed, excluding the payment in transitwe all agreed that this would work
we contacted *** and successfully cancelled the payment in transitabout a month later, Chase sends us a letter stating they did not receive our last payment (the one that we were told to cancel) and that they were not refunding our escrow money of $until we paid the last payment the loan was closed there are no payments due
how can Chase be attempting to collect more money on a closed loan? are they able to hold money from an escrow account to pay towards a loan that was closed?
I contacted you company on Sept 1, to advise there's an issue with your mobile app for mortgage paymentWhen you cancel the payment it gives you a confirmation (I took a screen shot) but it doesn't actually cancel (since July 30)I had to call twice before I got someone who helpedShe probed and realized it was an issue and contacted me with ITThey realized there was an issue and opened a case #***(the 1st person told me - Chase didn't have an IT department) A researching called and left a VM on 9/7/18, I called back twice on 9/7/###-###-#### but she doesn't have a voicemailI received an email from her on 9/10/and I called back time9/11/18- twice, 9/12/time then called customer service - they couldn't reach her and they also confirm that there was not voicemail on her linesent an email to her Supv not I still didn't receive a callback as I was promisedI called back on 9/13/I also sent emails; I said email or callI emailed now they're
I received a modification in I received a plan offer to pay three trial payments due on 2/1/15, 3/1/15, and 4/1/I began my regular payments on 5/1/The amount of my payment was determined to be I have never missed a payment since I started the modification trial in February of I made a payment on 5/5/2015, 6/3/2015, and July payment was split in two payments (6/16/and 7/1/2015)These payments put me paying my mortgage a month in advanceThe next payment I made on 7/24/should've been applied to my August paymentI've been working with people since the beginning of October when I realized at some point my payments have been misappliedI was originally informed the 6/16/and 7/1/payments were misapplied to the principal and the issue would be correctedI was then told my payments were correctI pulled my bank records to access the dates above and realized Im correct and my payments should be as I advisedI've been working with a
At the end of September I applied to have our PMI removed because I believe the principal is less than 75% of the home's value meaning we have over 25% equity I mailed in my $and application At the end of October the appraisal company and appraiser contacted me to set up the appraisal The appraiser rescheduled our appointment and then pulled a no-show He wouldn't return my calls so I called the company he worked for They told me that he thought the appraisal was cancelled but that was cleared up I call him and he sent me a text about rescheduling then returned to not returning calls I called his company again and they said that Chase had cancelled the request and I needed to contact them I called Chase who said that it was canceled because the appraisal company could not get a hold of me They said they would refund my money and I could start the process again I've been waiting since November for the refund and form so I can "re-apply" for removal Mean
I contacted JPMorgan Chase for a mortgage refinance on my house for the purposes of debt consolidation/financial hardship on 6/28/ I had good credit, was able to get a good rate/terms and signed the contract on 7/12/ I was told the process would be completed by end of August or early September at the latest Due to mismanagement by Chase at every level, the refinance had not been completed by October I contacted the loan manager, and worked with him until I had to contact the complaint department In November they attempted change the terms of the contract, change the rate and the load amount I held them to the terms of the then had to contact the VP of the Lending Department at the end of November, early December On December 15th, I was told that my refinance was denied because in the months they were working on it, my credit score had dropped Because of Chase, my credit is now damaged, I have incurred many months of late fees/penalties and missed the Brexit
I have a mortgage with Chase for a rental propertyLate in 2015, Chase changed the loan servicing company, which means that my auto payments were stopped and manual payments had to be made until the new servicing company had re-established the auto payment serviceLetters of notification regarding the change in loan servicing companies were mailed, however, our letter did not arrive on timeAs a result, we had to make two manual payments, one in November and one in DecemberThe November payment arrived late and Chase reported this late payment to the credit bureausWe have had this mortgage since and have never made a late paymentThe only reason this payment was late was due to the notification letters arriving lateWe formally contacted Chase with a letter and their response was not helpfulThey refused to contact the credit bureaus on our behalf despite the nearly perfect payment record we have with them
We had the WORST experience with Chase Mortgage!! Chase dropped the ball during the 11th hour causing us to push back our closing date We were never warned once that there might be a delay or issue with the process The only reason we found out we would not be closing on time (only days prior to closing) was because we called Chase to find out when we would receive our closing document since it was not delivered when promised There was no urgency on their part whatsoever We tried escalating with managers and VP's Our calls and emails were unanswered 95% of the time It was to the point that we almost lost the house because the sellers were getting nervous the sale wouldn't go throughFast forward through the longest week of our lives, we finally get to the closing table, and Chase still had not sent the funds electronically to the title company thus delaying our closing once again!
Two months into our mortgage, Chase sells off our mortgage to Fannie Mae All of that for nothing! We will NEVER use Chase Mortgage again and will continue to urge our family and friends to go elsewhere We strongly advise you find another mortgage company too!
Escrow analysis was completed on my property February 6th with a surplus of 7,to be refunded with DISBURSEMENT TO MORTGAGOR completed on February 7th On February 9th called to check status and see if they could direct deposit the funds into a chase checking account was told yes would be there in few days On February 21st funds were reabsorbed by Chase called and was given explanation account under review with no reason as to why Called back multiple times was told originally day SLA then then day SLA for ticket created Was given Monica U*** as an escalation manger day ticket time frame has breached and still no update or refund on funds as of 3/14/over a month since original date of disbursement
I had went into the Chase branch in *** *** ** on April 1, To apply for opening mortgages for six properties in *** **Kenneth B*** was the mortgage broker I dealt with as well as his branch manager Anna A*** and Ed M*** ( it had to be escalated to the VP of *** ***)He informed me that after he has all of my information and paperwork required, he would run my creditI said he may only run my credit ONCEHe made two hard inquiries on my credit, one with my knowledge on 4/1/and the other without my knowledge on 5/4/All within almost a day periodI had then received commitment letters from MrB*** and the loan processing office in *** on 6/26/Which I signed all letters and sent them back, that dayFor some unknown reason, which MrB*** didn't inform me, util the closing of the propertiesHe stated," Lets close on these properties, then we will close on the last one after"I asked why and he said
Due to Hurricane Maria my property had some damageI was told that Chase Mortgage was giving assistance to help us with our mortgage paymentWas told for months that not to worry about mortgage payment for the next monthsThat in March can start paying the mortgage againThat the months payment will be apply behind the loanI will not be charge late payment nor default in my loanStarted to pay this month when I was told I was responsible for all back paymentThat my account is in collectionAfter speaking with them for months telling me not to worry and that I will be receiving a letter stating thatNow I’m being told that the type of loan I have doesn’t qualify me for this assistance programNo one told me in Sept that I was not qualifiedThey knew what type of loan I haveNow after months they’re telling me I need to applied for a morticationWhich will hurt my creditSpoke to a Cristina a supervisor and informed me she will hear all recording of my con
I have a mortgage payment with chase.I have escrow(taxes and ins.) included in my monthly mortgage payments monthly that I pay every monthI Received a letter from county that my taxes for *** ** *** *** ** *** ** have not been paid from chase I talk to Chase several times and no answer to why Chase is refusing to pay taxes The county treasurer sent me a notice of tax sale on delinquent property on October 12, 2018..Talked to tax deptat Chase and said they would expedite this info and call in days..Called tax dept and escalation dept ###-###-#### back on 10/29/
They all said it shows up status:charge off closed out as of 10/29/18..Doshaneka and Guillermo from escalation deptsaid they are not sure why chase is not paying taxes but they will contact their supervisor and call me tomorrow (10-30-18) To let me know more infowhy they don't want to pay property taxes.The total taxes owed is $2,012.81..One person from Chase told me it was paid and another person
I have a home equity loan with the company that is joint with another personThe loan should have been paid off alreadyI have ask the bank to remove my name from the promissory note since I have been divorced from the other owner since The bank has taken my name of the account so I can't get any information, this was the request of the other ownerI have written letters to the bank asking them on several occasions to take my name of and give the other owner the full right of paying it ofThe loan is on the residence of *** *** which is the home that the other owner of the loan livesIt is now thirteen years later and the loan is still open because the bank allows the other owner to just pay the minimum amountThis is effecting my creditIt don't take years to payoff dollarsI just want my name taken off this debt and the bank won't do it
I purchased home which was new construction The mortgage was originally held by *** Mortgage who sold it within the first couple of months to Chase Mortgage There was an escrow account for taxes and insurance that transferred to Chase I was instructed to mail my tax bills to Chase which I did every time I received one When Chase did their escrow analysis they determined that there was an overage in the account and refunded the overage to me I contacted them at that time and explained that the original assessment which the taxes were based on was on the land only and that the reassessment would be done and all the amounts would go up They advised met that I had two options and that was to deposit the check into my personal account or use it to pay down my mortgage balance I asked about the escrow shortage that would occur once the house was reassessed and they told me that when they did the escrow analysis again that it would all be adjusted Following that I continued to
This is a 30yr mortgage loan with 8% interestThe interest is outrageous and the monthly payments I am making are consumed by the interestI've inquired about refinancing to see if I can get a lower rate, but they said because of the size of loan they cannot do it
CHASE QUICK Pwife tried to use the quick pay today so she could send money from her bank account to mineChase sends me a hyperlink in a EmailA test run of sending bucks from her to meI click on it and it sends you to a sight and tells you to "Sign up" for a sight called clearxchangeIt is directly affiliated with chaseThere is no spot to SIGN UPThen I call customer service times and am on hold each time for 30min nobody ever answersTerrible experienceI am canceling my chase CC and my wife is canceling her chase checking account
CHASE COMPLAINT
February 6,
Re:
Amy Espinosa
Carlos Espinosa
Chase home loan #
Property Address:
NArroyo St
Visalia, CA
To Whom This May Concern;
I am writing this letter of protest against Chase Bank concerning my home mortgageIt is to my understanding our government tax dollars bailed out Chase Bank in agreement they would help customers like myself
In the last several months I have attempted to apply for mortgage assistance with Chase Bank and have gone to great lengths to save my home and they are unwilling to helpI am in desperate need of assistance being a single mother who has two legitimate hardships this last year
I have produced hard evidence of a divorce and obvious loss of income in addition to a shoulder replacement surgeryI have included documentation of both to Chase Bank with all required paperworkI was awarded our home in the divorce as well as primary custody of my children
Chase then told
It has been a nightmareI've had mortgages with *** and *** *** in the pastNo problemsChase's customer service is horrible, and they move very slowlyI have ten days until my lorate expiresThey have had all necessary documents for several monthsThey are still not signed off on the mortgage, and I may lose my lorate, as none of the lawyers will commit 100% to a date until the bank signs offAnd since it is a weekend, and the following Monday is a holiday, there are only five business days leftJust horribleRegardless of how nice the mortgage banker is, I would avoid Chase at all costs because the people in Ohio working on the files do not care
I completed a Mortgage Assistant application in May and they sent me an agreement in July stating that I don’t have to make payments for two months which was August and SeptemberAt 1st I was disappointed so I contacted the representative who was assigned to my caseI didn’t read to the entire document because I was mentally overwhelmed and the representative assigned to me at that time assured me that I didn’t have to make any payments other than the amount agreed to for two months
On 09/22/I received a letter from CHASE saying I had to make paymentsOnce again I didn’t understand so I call to verify the letterThe representative informs me that: ‘’I had no need to worry, I should disregard the letterI don’t have to make any further paymentsI should consider it as if my student loans are on forbearance or deferment.” I asked her if that’s correct and she once again assure me and say yes that’s correct
To my amazement I received a notification from my credit a
We went into Chase to refinance to a year fixed They started the process and sent us paperwork, but then told us we could not refinance due to "information that's reflecting on our credit." When we asked them for more details and documentation for the source of what's preventing us from refinancing, they will not give us a straight answer They actually just never responded after multiple attempts to get more clarification from them The two loan officers we were working with were Richard F
* (***) and Adrian O*** (***)
I have been paying my Chase mortgage via automated paymentEven when the monthly payment has fluctuated, my payment is directly deposited to my escrow and all payments including taxes and insurance along with principal and interest payment have been madeHowever, since December 2017, Chase has changed this without prior notice to mortgage holdersWhen my monthly payment does not match my actual monthly payment due, they placed my payment in "unapplied" fund account and charge late fee until the full amount is receivedNot knowing that the monthly payment has been changed, my escrow account do not have enough fund to pay the monthly payment despite the fact that I have been making automated monthly payments without failOnly email I received from Chase since I signed up for paperless statement is that a payment has been madeNo prior notice of changed monthly payment amount, nor escrow account balance being low or negativeIn addition, they have added negative escrow balance to m
at closing we had advised Chase of an automatic payment being sent in from *** ** ***the Chase agent did not show the payment as having arrived yetthey advised that in order to close that day, we could stop payment on our electronic payment and proceed with closing with the current amount owed, excluding the payment in transitwe all agreed that this would work
we contacted *** and successfully cancelled the payment in transitabout a month later, Chase sends us a letter stating they did not receive our last payment (the one that we were told to cancel) and that they were not refunding our escrow money of $until we paid the last payment the loan was closed there are no payments due
how can Chase be attempting to collect more money on a closed loan? are they able to hold money from an escrow account to pay towards a loan that was closed?
I contacted you company on Sept 1, to advise there's an issue with your mobile app for mortgage paymentWhen you cancel the payment it gives you a confirmation (I took a screen shot) but it doesn't actually cancel (since July 30)I had to call twice before I got someone who helpedShe probed and realized it was an issue and contacted me with ITThey realized there was an issue and opened a case #***(the 1st person told me - Chase didn't have an IT department) A researching called and left a VM on 9/7/18, I called back twice on 9/7/###-###-#### but she doesn't have a voicemailI received an email from her on 9/10/and I called back time9/11/18- twice, 9/12/time then called customer service - they couldn't reach her and they also confirm that there was not voicemail on her linesent an email to her Supv not I still didn't receive a callback as I was promisedI called back on 9/13/I also sent emails; I said email or callI emailed now they're
I received a modification in I received a plan offer to pay three trial payments due on 2/1/15, 3/1/15, and 4/1/I began my regular payments on 5/1/The amount of my payment was determined to be I have never missed a payment since I started the modification trial in February of I made a payment on 5/5/2015, 6/3/2015, and July payment was split in two payments (6/16/and 7/1/2015)These payments put me paying my mortgage a month in advanceThe next payment I made on 7/24/should've been applied to my August paymentI've been working with people since the beginning of October when I realized at some point my payments have been misappliedI was originally informed the 6/16/and 7/1/payments were misapplied to the principal and the issue would be correctedI was then told my payments were correctI pulled my bank records to access the dates above and realized Im correct and my payments should be as I advisedI've been working with a
At the end of September I applied to have our PMI removed because I believe the principal is less than 75% of the home's value meaning we have over 25% equity I mailed in my $and application At the end of October the appraisal company and appraiser contacted me to set up the appraisal The appraiser rescheduled our appointment and then pulled a no-show He wouldn't return my calls so I called the company he worked for They told me that he thought the appraisal was cancelled but that was cleared up I call him and he sent me a text about rescheduling then returned to not returning calls I called his company again and they said that Chase had cancelled the request and I needed to contact them I called Chase who said that it was canceled because the appraisal company could not get a hold of me They said they would refund my money and I could start the process again I've been waiting since November for the refund and form so I can "re-apply" for removal Mean
I contacted JPMorgan Chase for a mortgage refinance on my house for the purposes of debt consolidation/financial hardship on 6/28/ I had good credit, was able to get a good rate/terms and signed the contract on 7/12/ I was told the process would be completed by end of August or early September at the latest Due to mismanagement by Chase at every level, the refinance had not been completed by October I contacted the loan manager, and worked with him until I had to contact the complaint department In November they attempted change the terms of the contract, change the rate and the load amount I held them to the terms of the then had to contact the VP of the Lending Department at the end of November, early December On December 15th, I was told that my refinance was denied because in the months they were working on it, my credit score had dropped Because of Chase, my credit is now damaged, I have incurred many months of late fees/penalties and missed the Brexit
I have a mortgage with Chase for a rental propertyLate in 2015, Chase changed the loan servicing company, which means that my auto payments were stopped and manual payments had to be made until the new servicing company had re-established the auto payment serviceLetters of notification regarding the change in loan servicing companies were mailed, however, our letter did not arrive on timeAs a result, we had to make two manual payments, one in November and one in DecemberThe November payment arrived late and Chase reported this late payment to the credit bureausWe have had this mortgage since and have never made a late paymentThe only reason this payment was late was due to the notification letters arriving lateWe formally contacted Chase with a letter and their response was not helpfulThey refused to contact the credit bureaus on our behalf despite the nearly perfect payment record we have with them
We had the WORST experience with Chase Mortgage!! Chase dropped the ball during the 11th hour causing us to push back our closing date We were never warned once that there might be a delay or issue with the process The only reason we found out we would not be closing on time (only days prior to closing) was because we called Chase to find out when we would receive our closing document since it was not delivered when promised There was no urgency on their part whatsoever We tried escalating with managers and VP's Our calls and emails were unanswered 95% of the time It was to the point that we almost lost the house because the sellers were getting nervous the sale wouldn't go throughFast forward through the longest week of our lives, we finally get to the closing table, and Chase still had not sent the funds electronically to the title company thus delaying our closing once again!
Two months into our mortgage, Chase sells off our mortgage to Fannie Mae All of that for nothing! We will NEVER use Chase Mortgage again and will continue to urge our family and friends to go elsewhere We strongly advise you find another mortgage company too!
Escrow analysis was completed on my property February 6th with a surplus of 7,to be refunded with DISBURSEMENT TO MORTGAGOR completed on February 7th On February 9th called to check status and see if they could direct deposit the funds into a chase checking account was told yes would be there in few days On February 21st funds were reabsorbed by Chase called and was given explanation account under review with no reason as to why Called back multiple times was told originally day SLA then then day SLA for ticket created Was given Monica U*** as an escalation manger day ticket time frame has breached and still no update or refund on funds as of 3/14/over a month since original date of disbursement
I had went into the Chase branch in *** *** ** on April 1, To apply for opening mortgages for six properties in *** **Kenneth B*** was the mortgage broker I dealt with as well as his branch manager Anna A*** and Ed M*** ( it had to be escalated to the VP of *** ***)He informed me that after he has all of my information and paperwork required, he would run my creditI said he may only run my credit ONCEHe made two hard inquiries on my credit, one with my knowledge on 4/1/and the other without my knowledge on 5/4/All within almost a day periodI had then received commitment letters from MrB*** and the loan processing office in *** on 6/26/Which I signed all letters and sent them back, that dayFor some unknown reason, which MrB*** didn't inform me, util the closing of the propertiesHe stated," Lets close on these properties, then we will close on the last one after"I asked why and he said
Due to Hurricane Maria my property had some damageI was told that Chase Mortgage was giving assistance to help us with our mortgage paymentWas told for months that not to worry about mortgage payment for the next monthsThat in March can start paying the mortgage againThat the months payment will be apply behind the loanI will not be charge late payment nor default in my loanStarted to pay this month when I was told I was responsible for all back paymentThat my account is in collectionAfter speaking with them for months telling me not to worry and that I will be receiving a letter stating thatNow I’m being told that the type of loan I have doesn’t qualify me for this assistance programNo one told me in Sept that I was not qualifiedThey knew what type of loan I haveNow after months they’re telling me I need to applied for a morticationWhich will hurt my creditSpoke to a Cristina a supervisor and informed me she will hear all recording of my con