Chase Home Finance is the worse bank and will NOT work with consumers Columbus Ohio

We are going through a nightmare with Chase Home Finance. My husband was laid-off earlier this year, so I was making 2 split payments to Chase for those couple of months until he got called back to work. After he was called back, we made payments in full for each month. We didn't know and no where in any of our paperwork does it say that Chase does not accept 2 payments per month. So all the money we sent them for those couple of months were placed in a "Suspended Funds" account and never applied to the loan. We were floored when we received an Act 91 notice in the mail. We immediately called them and was then told about the "suspended funds". They had no problem cashing the check every month and holding our money, but wouldn't apply any of it to the loan. So it appeared as though we were in default on the loan. They suggested that we apply for their homeowners assistance program and once approved, the suspended funds would be released and applied to the loan.

However, we would need to pay for their document fees, prep fees, late fees, penalties and misc. fees. We didn't want to lose the house, so we said fine. Surely the fees wouldn't be that much. Well we went through the whole process, we were told we were approved, just need to wait on their analyst to call with the amount owed for the fees. Once that payment was received, our account would be current. She finally called and denied us. She said that we didn't meet the requirements since there was money in the suspended funds account. We would now need to pay all the past amount due (which is in the suspended funds) and a HUGE amount of fees to make the account current and then the suspended funds would be applied after-wards. We didn't know what to do, so my husband went into work and took the money out of his 401k to bring the account current. His work had to speak with the bank to verify the amount they wanted. We received the check about 10 days later and called Chase the same day to re-verify the amount due and told them we were mailing the check that day. They asked for a payment by phone, but we wanted a paper trail. They gave us the address of where to mail it to and made a note that payment was sent that day. A week later were get a letter in the mail that now our account has been turned over to an attorney and we have to pay all their legal fees. The letter is dated the day after we called and was postmarked 5 days later.

In the meantime, they said our check has been denied but refuse to return it. So in total, they have money in a suspended funds account, most of it they took to apply towards bogus fees they charged, the check we mailed to make the account current AND we are overpaid on our escrow too. All of this money the refuse to return or apply to the loan. Chase now said that their attorney has applied for a sheriff's sale and we need to vacate the property immediately. We are at our absolute wit's end with this bank. And honestly do not know what to do other than to start packing. My husband can't touch his 401k for another 6 months and we do not have the money lying around for them to "hold" and not apply to the loan. Can someone tell us if what they are doing legal and who can we talk to???

Jij2008
Winburne, Pennsylvania
U.S.A.