You Have to Give Chase Credit?!

January 5, 2010, 9:00 am: I kept my appointment with the Consumer Credit Counseling Service of Delaware Valley in the Camden, NJ office, even though my credit scores were decent (701 Equifax, 706 TransUnion, 732 Experian) and I’d never missed a loan payment, although I was about to…

I needed an advocate to get someone at Chase to actually talk with me.

My counselor, Doris B., was extremely professional during our two hour meeting. She said they usually help individuals complete and submit their paperwork – the same paperwork I had already submitted three times! She told me about the Chase Home Ownership Center in Media, PA – I  told her I had phoned them on December 15, 2009 and they had refused to  speak to me because my mortgage payment was not yet 31 days past due. Doris assured me she would be able to get through to them, and right then proceeded to call her contact Jason Papa at the Chase Home Ownership Center.  Jason Papa also stated that he could offer no help until the 31 day delinquent mark, and further informed us that I had “too much equity” in my home. When pressed to clarify what exactly that meant, his reply was, “programs change all the time,” and, “you are back in for loan review so I cannot help you or comment on your loan.” Jason told us to call Chase (866) 550-5705.

Next, Doris and I called the Chase loan modification line (866) 550-5705. We first spoke with Barb and confirmed all paperwork had been received and was in good order, and then asked to be transferred to the Imminent Default Department.  After 25 minutes on hold, we were disconnected. We called Imminent Default back on (888) 708-3336, and were again put on hold. After 35 minutes we finally had to disconnect because my two-hour appointment was over!

January 10, 2010: Alan J. Heavens “On the House” column in The Philadelphia Inquirer features my plight.

The home Chase Home Lending wants to take

Why won't Chase save my home and modify my loan? $$$$$

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