April 23, 2010, 2:38 pm: Phoned Olga Danilova at JP Morgan Chase Home Lending Executive Office; her mailbox was full and not accepting messages.
Filed under: Chase, Home Loan Modification, JP Morgan Chase | Tagged: Chase Home Lending, Chase Home Lending Executive Office, Chase loan modification, jp morgan chase loan modifications, loan modification, loan modification answers | Leave a comment »
April 22, 2010, 1:44 pm: I emailed a copy of my April 19, 2010 letter to David B. Lowman, CEO Chase Home Lending, even though I had a USPS Certified Mail delivery confirmation dated April 21, 2010 at 10:54 am. I really needed answers about my loan modification. It made sense to test out the Chase e-mail protocol I’d deduced and verify the David Lowman Chase contact information, so I sent David.B.Lowman@chase.com a copy of my letter; it was not returned as undeliverable. Mr. Lowman might be like Jamie Dimon – his assistants might intercept his mail and redirect it to the Chase Home Lending Executive Office; this sort of document hand-off often resulted in problems. Of course Mr. David Lowman might also be out of the office to testify before Congress again.
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April 20, 2010, 11:39 am: I was denied service at the Chase Home Ownership Center in Media, PA starting on December 15, 2009 (they would not meet with me because I “had to be 31+ days past due”), then on January 5, 2010 (they would not meet with me because my loan was “already in the system”) and again on April 22, 2010 (they would not meet with me because my loan was “already in the system”). The Chase Home Ownership Centers are not helping this struggling homeowner. I need answers about my loan modification, not more opaque banking procedures and certainly not a continuation of the predatory lending practices devised by Washington Mutual.
Filed under: Chase, Home Loan Modification, JP Morgan Chase, Washington Mutual | Tagged: Chase Home Ownership Center, Chase loan modification, jp morgan chase loan modifications, loan modification, loan modification answers, predatory lending, Washington Mutual | Leave a comment »
April 20, 2010, 11:21 am: Mary Beth from the Chase Home Ownership Center in Media, PA called me back and said she would like to help but my loan was “already in the system”. It was with Natalia Carrillo in CA; per Mary Beth, Natalia was either a “negotiator” or a “processor” (I couldn’t get a definitive answer from Mary Beth on this – she said she didn’t know Ms. Carrillo’s title but she knew Natalia had some seniority with Chase & had been there at least five years.) I asked a few more questions but Mary Beth could not provide answers; she said I’d need to speak with someone else and then put Jason Papa on the phone. I reminded Jason we’d spoken on January 5, 2010 while I was with Doris B. in the offices of the CCCSDV.
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April 20, 2010: 8:05 am: Called Chase Customer Service (866) 550-5705 and spoke with Latania. We went through the drill of verifying all contact information, etc. and I asked about the status of my loan modification; she said it would take “30-60” days. This was utter nonsense; I begged for more information and Latania said that as of April 13, 2010, the loan was with Natalia Carrillo in CA; she was “the processor”. I pressed to learn what being with the processor meant and if Natalia was a decision-maker. I’m embarrassed to admit that after confirming the spelling of Natalia’s last name I seriously considered Googling her, redeeming my frequent flyer miles to fly to California, hunt her down and plead my case. But what would I do – intercept her at Starbucks on her morning coffee run? That would definitely not get my loan modified; it was crazy and it had to stop. What could I do for real?
I realized I’d never called the Chase Home Ownership Center in Media PA after the CCCSDV meeting with Doris B. on January 5, 2010; our phone call to Jason Papa at the Chase Home Ownership Center had been unproductive. Jason Papa had said they couldn’t help because I’d submitted the modification papers directly to Chase; I’d also been told on December 15, 2009 by Roxanne at the Center in Media, PA that they “only helped people who were 31+ days past due”, but maybe they were all wrong. After all, Chase had a massive Public Relations campaign surrounding the Chase Home Ownership Centers and their commitment to address the foreclosure crisis and help homeowners in need. Why hadn’t I called again? I needed to call right away.
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April 15, 2010, 11:13 am: Called Olga at JP Morgan Chase Home Lending Executive Office; she was not in so I left a voice mail seeking answers and also sent her an e-mail, copying Doris B. at CCCSDV.
April 17, 2010, 12:12 pm: Called Olga at JP Morgan Chase Home Lending Executive Office; she was not in so I left a voice mail seeking answers.
April 18, 2010, 12:20 pm: Called Olga at JP Morgan Chase Home Lending Executive Office; she was not in so I left a voice mail seeking answers.
Filed under: Chase, Home Loan Modification, JP Morgan Chase | Tagged: Chase Home Lending, Chase Home Lending Executive Office, Chase loan modification, jp morgan chase loan modifications, loan modification, loan modification answers | Leave a comment »
April 13, 2010: David B. Lowman, CEO Chase Home Lending, speaks before the House Committee on Financial Services and tells people who can’t get answers to come to him. Unaware of this, I decide to share my over thirteen-month saga of chasing a loan modification and launch a blog. I truly do not know what else I can do to get a decision-maker to speak with me about modifying this predatory loan devised by Washington Mutual and perpetuated by Chase. The mortgage servicers seem to have no interest in actually helping people and I don’t know why.
Filed under: Chase, Home Loan Modification, JP Morgan Chase, Washington Mutual | Tagged: David Lowman Chase, jp morgan chase loan modifications, loan modification, loan modification answers, mortgages, predatory lending, WaMu, Washington Mutual | Leave a comment »
April 13, 2010, 8:40 am: I sent Olga Danilova an e-mail and copied Doris at CCCSDV, indicating all paperwork was received by Chase, my residency was no longer an issue, an appraisal had been submitted and I needed answers.
April 13, 2010, 9:15 am: Olga called in response to my e-mail. I asked if she was getting the numerous phone messages I’d left; she said she was behind and e-mail was better. Olga agreed to send an escalated e-mail to the underwriting department and see what was happening. She didn’t see any request for additional information. She alluded to a “drive-by” appraisal; I corrected her and said an interior appraisal had been conducted on 4/1/10. She seemed surprised and then said yes, she did see in the file that an interior appraisal had been requested but as of 4/10/10, it had not been received. I said I was very concerned about timing as these delays resulted in repeated requests for updated financial information and it was costly for me to copy and fax stuff again and again. Olga said she would call or e-mail me back with an update.
Filed under: Chase, Home Loan Modification, JP Morgan Chase, Washington Mutual | Tagged: Chase Home Lending, Chase Home Lending Executive Office, Chase loan modification, jp morgan chase loan modifications, loan modification, loan modification answers, Loan modification denial, WaMu, Washington Mutual | Leave a comment »
April 13, 2010, 8:17 am: I called the Chase Home Lending Executive Office to confirm Olga Danilova really was my contact person; she was and I was dialing the correct number (888) 310-7995 ext. 2260. I got her e-mail address (Olga.x.Danilova@chase.com) and realized the e-mail protocol for JP Morgan Chase was first name, period, initial, period, last name, and if the employee did not have a middle initial the letter “x” was used. This was interesting information to be filed for future use but I needed answers now. Why was Chase perpetuating the predatory lending practices devised by Washington Mutual? Why wouldn’t Chase want to make this right and move on?
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April 9, 2010, 7:35 am: I called Megan again and she was in. Megan said my loan had been reassigned – she was no longer on the case. My new contact was Olga Danilova. Megan gave me Olga’s extension but declined to provide her e-mail.
Okay, first there was Jacqueline Ham, then there was Megan Valdivia and now it will be Olga Danilova. It’s been almost five months since my December 11, 2009 loan modification request submission, and over thirteen months since I first sought a modification of this predatory Washington Mutual loan back on February 24, 2009. Chase Home Lending was moving with glacial speed.
April 9, 2010, 7:40 am: I called Olga Danilova; she was not in so I left a detailed voice mail.
April 10, 2010, 2:00 pm: I called Olga Danilova; she was not in so I left a detailed voice mail.
April 12, 2010, 8:45 am: I called Olga Danilova; she was not in so I left a detailed voice mail.
April 12, 2010, 11:15 am: I called Olga Danilova; she was not in so I left a detailed voice mail.
April 12, 2010, 4:45 pm: I called Olga Danilova; she was not in so I left a detailed voice mail.
April 13, 2010, 8:13 am: I called Olga Danilova; she was not in so I left a detailed voice mail.
Filed under: Chase, Home Loan Modification, JP Morgan Chase | Tagged: Chase Home Lending, Chase Home Lending Executive Office, Chase loan modification, jp morgan chase loan modifications, loan modification, loan modification answers, Loan modification denial | Leave a comment »
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