Home Modification a Joke
I, like many others have been going back and forth with this bank. I started this whole process in Nov. 09. Not as long as some, but same story. I initially received one letter saying I did not send them something (which I did), so I went ahead and sent it again, called back, they said they received it. I waited a few weeks, called again (Dec. 28th), was told my case was closed that very day! They said I was missing paperwork (again)-she said if I faxed it they could reopen my case, so I did, called back again in 48 hours to make sure they received it, yes they received it, it's "complete" and in underwriting. Every time I call they say call back in a few weeks to check the status, so I called again, was told it was closed on Dec. 28th, I said yes it was and was also reopened that same day and was supposed to be in underwriting, she couldn't see that so I asked for someone else, this lady told me she didn't know why she told me that, yes it's open and being reviewed, she'll contact the gentleman who is handling it, make sure everything is in order and call me back-never got a call. I call several more times-everything seems OK-"under review". I think OK, we're getting somewhere now! Nope-I call again, DENIED (Mar. 8)No phone calls, no letters-just read an article (allAmericanpatriots.com) where Chase said they have increased attempts to contact customers to complete paperwork-call 36 times, reach out by mail 15 times and make at least 2 home visits! I received one letter the whole time after my initial application, and I've been closed and denied and told over and over I am missing paperwork! NO CONTACT! So again I resent things and was told to call back to make sure they received it, of course this time I had to resend current bank statements, paystubs and everything else...I did this, called, was told, yes, but why am I not showing rental income? Ummm, because I don't own a rental! I have given them several documents which I explained to them what they meant-I haven't owned that home in years and they have all the proof in front of them! I was then told OK, it's "complete" & under review AGAIN. I stewed for a few days and thought, this is a government program, there has to be somewhere to complain or get help so I hit the net and found the MHA Help line 888-995-HOPE, a gentleman actually 3-wayed a call to Chase and they were a little more helpful and straightforward...said it's taking 4-9 months and sometimes 12 to get an answer after I've been told constantly 60 days. I said OK, except I've been closed and denied in a lot less than that a few times for "missing paperwork" and never received anything telling me that, she said well we TRY to send everyone a letter. No way! If I wasn't constantly calling these people and being proactive, I'd have no clue. People----keep calling!!! Who knows what will happen now? The MHA Help guy said to call them if I start getting the runaround again, which I will I'm sure. The more I read on the net, the more I believe Chase doesn't want to help people, I've even heard from people at work where the same thing with the paperwork is happening to them and then they get denied etc. It's a mighty big coincidence!!!