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  1. Wow..Your situation with Chase is exactly what we have been going through for the past year. We have been in modification trial plan for 11 months .. The paper work we have mailed and faxed over and over again is just crazy. They always lost or just said they never received it.. Last month we received a phone call from Chase stating they had all the required paper work and that we would be receiving our finalized loan agreement. ( Oh ,please) One week later we received a letter from Chase stating we were turned down because they did not receive the required paper work. Along with a statement demanding $17,000.00

      they are the division that oversee’s CHASE/EMC for compliance for there Truth and Lending violations.

      Inquiries and Disputes
      Under federal law, your mortgage servicer must respond promptly to written inquiries, known as ?qualified written requests? (see Sample Complaint Letter). If you believe you?ve been charged a penalty, late fee or some other fee by mistake, or if you have other problems with the servicing of your loan, write to your servicer. Include your account number and explain why you believe your account is incorrect. Send your correspondence to the address the servicer specifies for qualified written requests.

      The servicer must send you a written acknowledgment within 20 business days of receiving your inquiry. Then, within 60 business days, the servicer must correct your account or determine that it is accurate. The servicer must send you a written notice of the action it took and why, as well as the name and phone number of someone to contact.

      Do not subtract any disputed amount from your mortgage payment. Your servicer might consider this a partial payment and refuse to accept it. Your payment might be returned to you or put in a ?suspense? or ?hold? account until you provide the rest of the payment. Either way, your servicer may charge you a late fee or claim that your mortgage is in default and start foreclosure proceedings.

      Sample Complaint Letter
      Here is a sample qualified written request. Use this format to address complaints under the Real Estate Settlement Procedures Act (RESPA).

      Sample Dispute Letter to Credit Bureau


      Your Name
      Your Address
      Your City, State, Zip Code

      Subject: Your loan number
      Attention: Customer Service

      Name of Loan Servicer
      City, State, Zip Code

      This is a ?qualified written request? under Section 6 of the Real Estate Settlement Procedures Act (RESPA).

      I am writing to:

      Describe the issue or the question you have and/or what action you believe should be taken.

      Attach copies of any related written materials.

      Describe any conversations with customer service about the issue and to whom you spoke.

      Describe any previous steps you have taken or attempts to resolve the issue.

      List a phone number in case a customer service representative wants to call you.

      I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days.


      Your name

      Fair Debt Collection
      By law, a debt collector is a person who regularly collects debts owed to others. Your mortgage servicer is considered a debt collector only if your loan was in default when the servicer acquired it. If that?s the case, you have additional rights. Read about them in Debt Collection FAQs: A Guide for Consumers at

      To learn more about mortgages and what to do if you?re having difficulty making payments, visit

      The FTC works to prevent fraudulent, deceptive and unfair business practices in the marketplace and to provide information to help consumers spot, stop and avoid them. To file a complaint or get free information on consumer issues, visit or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. Watch a new video, How to File a Complaint, at to learn more. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

      June 2010

  2. G*ddam* Chase. Piss poor customer service. I should have to speak with 12 people everytime I call. Today I called about my property tax bill and was told that I was charged a fee for filing bankruptcy (which did NOT include them). I have been making my payments regularly and have included an extra $3 so I could round my payment to the nearest $5 breakpoint. But, when I asked about a loan modification that I requested this past February, I was told that my house is in foreclosure. WRONG!!! So, I asked for a supervisor. I was connected to a different agent. I asked for their supervisor. Was passed to yet another agent. Six agents later, I was getting pissed. So, I angrily told the agent to get me a supervisor and he told me that if I didn’t calm down and let him take care of me that he would hang up on me. Then after hearing me ask again, he connected me to yet another agent. I will never use Chase again. I will suggest that everyone avoid Chase. If I could afford it, I would place ads during the National news to let them know that this is not “Customer Care” (sic).

  3. I take the advice posted by Nora very seriously.
    Nora is the only candid and truthful person I can find.
    My situation has escalated and I wonder if there is a way for me to
    correspond with Nora outside the chasehomefinancesucks website?
    If so please advise, TC