Chase does deal with people dishonestly. Put your complaint were it will do some good at the Office of Comptroller of Currency here's the website:www.helpwithmybank.gov/complaints/index.html">http://www.helpwithmybank.gov/complaints/index.html They can do something the more complaints the more likely they will take action.
There are complaints as old as 2008 posted about the double dealing in loss draft department and how they treat their customers. We have a perfect payment history on a 6 month "temporary" loan modification that is now 12 months old. Then we had hail damage and they said "technically we can call you a delinquent account because you are in a loan modification" and we can keep your repair check if we want to keep it. We produced our paperwork proving our loan performance. It is insurance fraud to keep designated claim funds for anything. It is also bordering on extortion to make threats about keeping the funds without the cosigners written agreement and trying to force them to do that by withholding funds for repair. I can assure you that they are holding your funds in escrow accounts and drawing interest on that which they will not disclose or return to you. They want to make it hard enough that you will give up. Fight back. Now we are doing contracts, vendor waivers and W-9 on everyone that will do repairs. Still no check release. So we called our attorney. This bank had people in a catastrophe zone appear at the branch and endorse their checks with the statement that they would return it in 5-7 business days. I stood in a line of 20 people at the branch 2 weeks later while their employees explained they were tracking the checks and "didn't know" where they went. That of course was a lie. We got phone calls the next day with the loss draft department number. Keep complaining make sure your local media knows. Chase is counting on you being too embarrassed about your modification and how you are treated to speak up. Chase doesn't want the way they treat their customers in the public eye. They have purposely had employees lie to people and tell them they must be 3 months late to qualify for loan modifications, advised others to file bankruptcy and then claim that they couldn't qualify for the modification or just ignore the payment history and try to take the home anyway based on the 3 late payments. Nobody twists the arms of these employees to knowingly lie and mislead the people who call in for assistance or appear at their locations. They do it for money.
To get on line and say this is all really okay and we should all understand because their employees all need their job is a lame excuse for working for a dishonest company and not caring about what happens to the rest of the population as long as you get what you want. Speaking as a former insider I can say with a lot of accuracy that these guys are more dishonest than anyone knows. Keep fighting back. Write to ALL your elected officials on EVERY level. The sooner they enforce the regulations and force the break up of these big banks the better. They have been allowed to form a monopoly to control the financial well being of the nation which has resulted in price fixing, over charging, dishonest mortgages, getting TARP funds for their losses from putting your mortgage into securities for stock market trading without your permission and then wanting your home back so they can sell again at your expense with long term damage to you the consumer - to off set the losses of their bad decisions. I have been present when they "trained" people and offered wholesalers "sales tools" on how to sell bad mortgage products without adequate disclosure on the long term problems with that type of mortgage. The type of mortgage that only they make money and would soon result in foreclosures. They knew. If you objected or refused to sell it the harassment was ugly. Fight back. Get your complaints to your elected representative, senators, the Treasury Department. Pass the word. Flood their complaint forms, websites and emails with the information they need to enforce the regulations and help the people who put them there. Make sure the bank regulators like the FDIC and the OCC are getting that information from you. Chase Bank is surviving and do well on your silence.
