I started the loan mod process with Chase back in January of I called and spoke with a chase rep explaining why we were behind 2 months on our mortgage (my wife had been laid off for 4 months at this point) I was directed to 3 other reps on this initial phone call at which time the final person I spoke with took my brief financials over the phone, and stated to me that if I made a payment from this day forward I would not be eligible for any type of loan mod programs.
I was a bit taken back when she told me to not make any payments at this time, I even grabbed my wife and asked the chase rep to repeat what she had just told me to my wife so I had a witness to this, she did also explain to my wife that any payments to our mortgage at this time would result in no program help with chase. At the end of our phone call the rep also stated that I would be assigned an advisor which could take up to 45 days and to be patient.
I did wait for 30 days to place my next call to chase which was to check into the status on my being assigned an advisor since I had not heard a peep from chase during this time. I spoke with I believe 6 different chase reps during this phone call as each rep that I was directed to had absolutely no idea whom I was nor did they have any information on my situation. This phone call lasted hours and the chase rep I was last speaking with was actually getting of work and told me she would return a call to me the following buisness day once she received some information on my mortgage.
Of course the following buisness day no phone call, nor the next day nor the next. I again had to place a call to chase 1 week later and go through the whole process again with no answers and no signs of anyone knowing what they were doing. I was finally put with a supposed supervisor within the loss mitigation dept. I was given a fax # and directed to the Chase web site where I could print out all the forms which I needed to complete and fax to the # which was provided to me which I did and which is now no where to be found within the chase system so I have been told.
This report could go on forever but to make a long story short it has been 6 months now, I was e-mailed the name and # of the person who was handling my case Chris Rich I was told, well ever time I have tried to call this person I get a message stating his mail box is full and I cannot leave a message, and of course he has never returned one of several e-mails I have sent him. I have never been contacted by chase other than the one e-mail I stated in 6 months of this process. Even when I have called to speak with anyone else with chase I am directed to this Chris Rich guy's voice mail which hangs up on me because his mailbox is still full!
The last call that I placed to chase was just a few days ago after I received a letter from the bureau of recovery LLC stating that my account has been assigned to them, I was told by chase that I now need to contact this recovery company as it is now in their hands. SOMEONE please help me or direct me in right direction as how to deal with chase as I am at wits end and don't know where to go from here, I have tried to do everything chase required to try and work something out to save our house but I do not know what else to do. We are a family of 4 and have put over $75000 dollars into upgrades to out home the past 3 years and my wife and kids would have a very hard time dealing with losing it.
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