WaMu becomes Chase!
Phoned Chase/WaMu June 5, 2009 at 9:55 am and spoke with Hank who had fond memories of vacationing on the seven-mile island of Avalon, NJ. Hank confirmed my re-submission fax was received on 6/3/09 and that the loan modification clock starts anew. Hank advised there was nothing for me to do but “be patient and pay my mortgage”. The government had changed all the programs in March and the programs change daily; his department had only been established on May 1, 2009. Hank assured me they are working on it and said it was okay to call back and check in every week.
Phoned Chase/WaMu on June 12, 2009 at 9:35 am and endured a recorded collection message informing me this was an attempt to collect a debt. Note: I had never been late nor had I missed a payment. After the message played I was put on hold for ten minutes when Kim B. picked up. Kim’s sole purpose appeared to be to transfer me and introduce me to someone who could answer my questions. I then spoke with Adam who noted I’d called before. Adam confirmed receipt of my 6/3/09 fax and advised that all paperwork was in hand, WaMu had a “complete” package. Adam said I should have an “update” by end of month; it’s taking 20-25 days for an “update”. I pressed him on what an update meant and he said deny, modify, etc.
Phoned Chase/WaMu on June 23, 2009 at 10:30 am and spoke with Brad who advised that as of 6/15/09 the loan was in the Imminent Default department and I should be calling a different number. Per Brad the loan had been assigned to Brad U. – I could see this conversation was going nowhere and asked to speak to someone in Imminent Default. I was transferred to Troy who told me the files had been “sent to Guardian to microfiche” and that should take a week. They are taking pictures of documents and basically my loan is still in the review process. There was nothing he could tell me and nothing I could do. Brad was in Loss Mitigation, now I was talking to Imminent Default and they do not share names. Troy terminated the call by hanging up on me.
Filed under: Chase, Home Loan Modification, JP Morgan Chase, Washington Mutual | Tagged: foreclosures, imminent default, jp morgan chase loan modifications, making homes affordable, mortgages, predatory lending |