- Report: #632439
Complaint Review: CHASE HOME FINANCE - Glendale Colorado
Reported By:
Joanne -
Mason, Texas, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
CHASE HOME FINANCE
4500 Cherry Creek Drive South Glendale, 80246-1531 Colorado, United States of America
Phone:
866-550-5705
Web:
www.chase.com
Categories:
Business Rating:
(0)
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CHASE HOME FINANCE JP Morgan Chase Bank Chase Home Finance is trying to steal my home!!! Applied for modifaction and they are trying to forclose. Glendale, Colorado
*Consumer Comment: JOANNE, PLEASE LET US KNOW IF YOU HAVE ANY "EQUITY" IN YOUR HOME. IT WOULD BE INTERESTING TO KNOW....
*Consumer Comment: 19 months to receive a Final Contract - Chase...
*Consumer Comment: NYC (Consumer Comment #2), UNFORTUNATELY THE MAINSTREAM MEDIA IN THE UNITED STATES OF AMERICA IS ULTIMATELY BEING CONTROLLED BY THE FEDERAL RESERVE....
*Consumer Comment: Karl..
*Consumer Comment: JOANNE, MAKE SURE TO MAIL A COPY OF YOUR RIPOFF REPORT TO PRESIDENT BARACK OBAMA....
*Consumer Comment: Okay..listen to Karl...
*Consumer Comment: Joanne, If you 'Google' this- PEACE PRIZE POEM RIP OFF, it should also take you to Ripoff Report #529757 where the address to the White House....
*Consumer Comment: JOANNE, IF YOU WANT TO KNOW WHEN THE STOCK MARKET WILL CRASH AGAIN ALL YOU HAVE TO DO IS....
I was injured in 10/09 and was unable to work. I called Chase in the end of 12/09 because I was not going to be able to pay my payment for that month. I explained to them what happened and they told me to apply for a loan modifaction. They would take my 12/09 and 01/10 payments and defer them to the back of the loan.
I was to start trial payment on 2/10 for the amount of $930.00 per month. My regular payment was 1105.00 per month.
I have done everything that they have asked. Sent in everything that they asked for. I was told that my modification was in the final stage.
Called to make my payment on 8/7/10 and was informed that they would not accept my payment. I asked them why. The man on the phone said that my modication had been denied due to the fact that we do not make enough money to quilify for this modification. He told me that I was 5490.00 delinquent in my payments plus 485.00 in late fees. According to the papers that I received from Chase, this modification should take from 6 weeks to 3 months. It has been 8 months and just long enough for them to add up all the payments to determine that I was 5 months deliquent and they can forclose when I am totally 4 months deliquent.
I asked how was that possible, I have made every payment that was required. He said that because my modification was denied, they took back off the two payments that had been deferred and added them to the 1105.00 per month that my payment was supposed to be and then deducted the payments that I had made. Funny, I have made the payments every month.
This man told me to get another job to increase our income. I explained that I am disabled due to injury and then surgery. He stated that it was not his fault that I purchased a home I could not afford!!! I was so angry that I yelled at him and hung up.
I have lived in this home for 11 years. I called back and spoke to another person and she was quite nice. She told me the same thing about the calculation of the payments and amount owed. She told me that the modification had been denied on 08/06/10. She told me that I needed to go western union my payment to them that day. This was on a Saturday at 1:00 in the afternoon. I asked her if I could make the payment on Monday 8/9/2010 when the banks open. She said I should not wait because my home was due to be tagged for foreclosure on 08/09/2010.
I have never been notified that my modification has been denied. I received a certified letter stating I was getting a warning of forclosure on my home and that I should apply for a LOAN MODIFICATION!!! Yesterday I received a letter letting me know that I can use their PHONE FASTPAY instead of Western Union.
If this woman had not let me know about making that payment, I would have been forclosed on. Without any notification!!! She said as long as I make my payments by the end of the month, they will not be able to forclose on me.
How many other people have had their homes stolen out from under them and nothing is being done about it.
Chase bank is commiting unethical practices. They should be held accountable.
8 Updates & Rebuttals
Karl
Highlands Ranch,Colorado,
USA
JOANNE, IF YOU WANT TO KNOW WHEN THE STOCK MARKET WILL CRASH AGAIN ALL YOU HAVE TO DO IS....
#2Consumer Comment
Fri, August 27, 2010
'Google' this- A CREDIT CARD YOU WANT TO TOSS, and go to that BusinessWeek article from February 7th, 2008, and go to the comment which was posted on February 21st 2008 at 3:03 AM.
(I believe that the comment appears on, or around, 'Page 41' in the comments section.)
Fact: That comment was posted seven months BEFORE the stock market crash in September of 2008.
Good luck to you.
Karl
Highlands Ranch,Colorado,
USA
Joanne, If you 'Google' this- PEACE PRIZE POEM RIP OFF, it should also take you to Ripoff Report #529757 where the address to the White House....
#3Consumer Comment
Thu, August 26, 2010
is posted at the end of "BOMBARD THE WHITE HOUSE POEM", okay?
(The above poem is 'Consumer Comment #29' at Ripoff Report #529757.)
*I believe that you need to alert President Obama immediately because there could be many more Americans in your situation. Since he's our current President, it makes sense that he knows what's going on in our country, right?
Good luck to you.
P.S. "POLITISHIN POEM" is available at the BANK OF AMERICA page of this site. It appears in the consumer comments section at Ripoff Report #476868.
Ronny g
North hollywood,California,
USA
Okay..listen to Karl...
#4Consumer Comment
Thu, August 26, 2010
Apparently this psycho believes that if you 'google' something to do with Obamas Steak dinner poem..all your problems will magically go away and somehow you will make your monthly payment or... that it will somehow get the banks to give you a grace period or work with you like they once did in the "good ol' days".
Personally, I thank you for sharing your experience and hope it can possibly help others to avoid the same fate. I have no suggestions what can help other then seeking an attorney willing to deal with this pro bono. Not going to be easy unless you can organize 50-100 other similar consumers willing to put effort into a resolution.
Or, you can listen to Karl and google steak dinner poems..your choice.
Karl
Highlands Ranch,Colorado,
USA
JOANNE, MAKE SURE TO MAIL A COPY OF YOUR RIPOFF REPORT TO PRESIDENT BARACK OBAMA....
#5Consumer Comment
Wed, August 25, 2010
at the address that appears at the end of "BOMBARD THE WHITE HOUSE POEM".
*You can 'Google' this- STEAK DINNER POEM, and that should take you to Ripoff Report #529757. The poem, and the address to the White House, appears in 'Consumer Comment #29'.
Good luck to you.
Ronny g
North hollywood,California,
USA
Karl..
#6Consumer Comment
Wed, August 25, 2010
Okay..we all know who is at fault for lending to the American working class consumers who can not possibly repay these loans, especially if anything unforeseen was to happen such as family or personal injury/illness..and not much help that the artificial bubble cause any equity to go down the drain..
Now.... do you have any suggestions that can actually help this unfortunate homeowner?..or...just going to continue to post googles that only show evidence of the obvious?
Karl
Highlands Ranch,Colorado,
USA
NYC (Consumer Comment #2), UNFORTUNATELY THE MAINSTREAM MEDIA IN THE UNITED STATES OF AMERICA IS ULTIMATELY BEING CONTROLLED BY THE FEDERAL RESERVE....
#7Consumer Comment
Tue, August 24, 2010
and the Federal Reserve is the entity which is at the root of the FORECLOSURE problem in America because the Federal Reserve set the rate at 1% in 2003, which was the catalyst in the 'artificial housing boom' in our country.
Keep in mind that MILLIONS of home-owners also RE-FINANCED their mortgages when the low rates became available, which included ARM's (Adjustable Rate Mortgages) and 'Interest Only Mortgages'.
The mainstream media will continue to make certain that the people in the USA don't understand the truth, in my opinion.
You can 'Google' all of the following and watch them on the web and then make up your own mind as to WHO was at the root of the foreclosure problem and the financial meltdown of the banking system in the USA-
FRONTLINE: THE WARNING
FRONTLINE: INSIDE THE MELTDOWN
ELIZABETH WARREN ON THE ECONOMY NOW ON PBS
YOUTUBE FALL OF THE REPUBLIC
AMERICA: FREEDOM TO FASCISM
*After watching the above documentaries and the interview with Elizabeth Warren, it becomes easy to understand who controls the banking system, the U.S. economy, and even the U.S. government, wouldn't you agree?
Now 'Google' the following and take a look at all of the people who are pictured at the first site and read all of the names of the people and companies listed at the second site where the 5 charts appear-
ORIGINAL DISSENT WHO CONTROLS THE U.S. ECONOMY?
WHO OWNS THE FED?
Take a look at who is listed at the end of column one in 'Chart 5' at the second site.
NYC
Huntington Station,New York,
United States of America
19 months to receive a Final Contract - Chase...
#8Consumer Comment
Sat, August 21, 2010
Your complaint brought tears to my eyes. The humiliation and stress Chase caused me was criminal. Boxes of paperwork,Un-Answered Questions,Customer Service Reps in MANILLA who read from a Script and hang up when they cannot answer questions. COLLECTIONS STILL CALLING THREATENING TO REPORT ME TO A CREDIT BUREAU while I have a final Contract...
IF ANYONE IN THE MEDIA READS THIS... PLEASE..PLEASE HELP US....
WE ARE WORKING PEOPLE, WHO ARE VICTIMS OF LOST TIME,LOST JOBS, SURGERY, etc.. CHASE almost put me in the Hospital with their 19 month delay..I care for an 88 y.o. Mom w/dementia...we both would have been out in the street...
CHASE DIDNT CARE.........
Karl
Highlands Ranch,Colorado,
USA
JOANNE, PLEASE LET US KNOW IF YOU HAVE ANY "EQUITY" IN YOUR HOME. IT WOULD BE INTERESTING TO KNOW....
#9Consumer Comment
Sat, August 21, 2010
if you have equity in your home because the banks are obviously capable of finding out if a house has equity, right?
You said you've been in the home for 11 years. If you've been making payments for 11 years, then you could have equity in your house, correct?
Perhaps this is WHY the bank wants to foreclose!
*By foreclosing on someone who has EQUITY, the bank can turn around and sell it for profit, right? The bank can also sell it to an investor for what is owed, and then the investor can sell it for profit, correct?
Give us an Update as to whether or not you have any equity in your home.
Good luck to you.
P.S. Keep in mind that Chase is linked to the Federal Reserve. Chase is also known as JP Morgan Chase. If you 'Google' this- WHO OWNS THE FED?, and go to the site with the 5 charts you can see that JP Morgan appears in 'Chart 1', and they're also mentioned in the sentence at 'Chart 3', correct?
If my theory is right, then the Federal Reserve/banks are going after people whose homes have equity so they can recoup as much money as possible due to their MISTAKES that were made in the mortgage/banking industry in the past 7 years.
The FED lowered the rate to 1% in 2003, which spurred the 'artificial housing boom' in the USA. That decision by the FED is part of what has damaged much of our economy and caused the massive foreclosure problem in America.
Perhaps the FED, and their banks, are doing what they can in order to make back some of the money that they lost by targeting people who have EQUITY in their homes, wouldn't you agree?
