2 MONTHS AFTER discharged MORTGAGE CHASE calls!!! ARE YOU KIDDING ME?

[tobee43]

you have to be kidding me?????

i actually got a collection call from chase..........


WAIT.....HOLD on please......click click... up comes the FTC site....i'm typing....i'm asking.....

name please
dept please
and why are you calling please
address please
last name please
email address please


STOP...she asks..who am i speaking to?? i respond the party you called...NOW please continue...

extension please
your employee ID


ok....so we ALL know how i type...so i'm really trying to keep up, but i finally ask her....


please slow down...everyone on bf forum knows i can't type...and i'm trying now to type while i'm talking to you...so if you could just answer my questions a little slower i would greatly appreciate this because i have to get all the information correct for my complaint to the ftc.....and let me type your answers in the appropriate little thingys... so that way we can go thru this much more efficiently...

oh she asks...what ARE WE going thru???...i reply...oh...i was just getting my tape recorder going and i pulled up the federal trade commission site and i'm typing in the complaint as we are speaking so i can make certain i get this entire conversation correct...and frankly, from my end, the way i see it...you are in very deep doo doo...( that's french for s**t).

here's the kicker...i called a government watchdog agency to help me get our names off the deed...we have an unlisted number...i called them and have been awaiting to hear back from them since aug 19, 2010. i told the woman i will TRUST you and YOU ONLY with our telephone number since she promised to contact chase and get this situation resolved........so what does she do???

she GIVES chase our phone number and the collections dept calls me.......RIGHT??? are you kidding me AGAIN?? i can't wait until tomorrow morning to call this watchdog government fraud agency....they are going to be mighty unhappy campers when i am done....since i'll go to washington dc if i have to now....

i'm like...excuse me...like what is it about the mortgage being discharged under a NO asset chapter 7 that you don't understand??? .....what is it that the little box being checked off stating WE ARE SURRENDERING the property, and actually did a very long time ago, that you do no understand??
P L E A S E....i'm all ears.

oh!...her reply is..oh no!! many many people after a chapter 7 and the mortgage has been discharged reaffirm....RIGHT??? we have been out of the house almost 2 years??? are you kidding me AGAIN????

i would NOT let up on her...she claims that a loan mod was started last month...i ask and whom possibly could have started that???? her reply...oh YOU must have....ARE YOU KIDDING ME???...HOLD PLEASE....

gets back to me....well we are not exactly sure how or who did the loan mod. really.....so now you have not only GHOST writers but have GHOSTS applying for loan mods on FEDERALLY discharged loans....my my.....we are slipping down the ladder....


opppsss....please SLOW down again...i can't type that fast...OHIO...you are in OHIO...no...i'm in AZ.....ok...your supervisors name....they aren't here now...but we promise we won't call you again....WE.....i ask..do you have a mouse in your pocket????...who is WE....(we are doing french words AGAIN).

after over 67 minutes i wore her down and she hung up...LOL!!! what a night!

[AbbeyA]

All I can say is WOW!

[tobee43]

me too!!!!!! LOL!!!

[wnguyen]

67 minutes? Unbelievable. LOL.

BTW, Chase and Wells Fargo are the two that I hate the most.

[tobee43]

yes...67 minutes....even for ME that was a hard one!! LOL!!

so i contact the task force agency this morning....and this woman gets on the phone screaming at me....it's ONLY been since aug. you called us...WHO DO YOU THINK YOU are??

i'm the person who's tax dollar is paying your salary and while i understand their are priorities such as working on helping people STAY in their homes as opposed to me...that was and really still am considered OUT on THE street.....i can appreicate that. however, i expect you to do your job and chase is committing fraud and it simply needs to stop now...and YOUR agency is supposed to BE WHERE THE BUCK stops....now...get off this phone and call up your chase connections...get them to send me or i'll send them a warranty deed and a release and let's get the ball rollin....


she responded.....what's a warranty deed????..........OH NO!!!

[wnguyen]

Dang... and she's working for a government agency?

[ccsjoe]

tobee, I have to laugh at your initial post, borderline incredulous...but what can anyone expect from the banks that helped cause this stinking mess.

[tobee43]

Dang... and she's working for a government agency?

absolutely!!! it's supposed to be a "Watchdog" agency set up by the stimulus package to assist and help those that are fighting the banks when they fall outside the realm of the new laws protecting the consumer again fraud...etc...and to assist in anyway shape or form anyone that is either being foreclosed on, etc.

i called washington dc FHA...since an FHA loan, a bank does indeed need to follow certain guidelines to recoup their loss even with PMI....that includes the foreclosure process...sheiff's sale...etc...which is an oxy moron...since where the house is located those fees can and do many time exceed well over 100k!!!! that being said....just transfer the deed and get it over with!

i understand they have a process...but it's been over 2 years..come on!

[tobee43]

tobee, I have to laugh at your initial post, borderline incredulous...but what can anyone expect from the banks that helped cause this stinking mess.

well, actually to me it was pretty funny too!! i just "needed" to share the experience of dealing with these people..it's so unreal.

we had a "family" discussion again this morning about the situation and we are just going to let them do what ever that want to mod....we have absolutely no financial responsibility to them..so why keep kicking myself about it.

when the foreclosure is completed...on their OWN time table that's when our names will be taken off the deed...so be it. i should not waste my time when i can be posting here earning points and rewards.....(SORRY...i couldn't HELP myself...i will STOP!).

we are fast approaching your date joe....how you doin??

[ccsjoe]

we are fast approaching your date joe....how you doin??

Joe is doing good. Joe was happy he went to 341's yesterday. Joe liked his trustee. LOL

[tobee43]

lol!!! i'm glad joe is doing well, yes...i saw that post!!! that gman move...it's a good one i think!

[ccsjoe]

Yes, it is. Props to gman on that one. Invaluable to know how your trustee thinks and what he looks at.

[tobee43]

yes, and lets not forget to add...i'm certain you observed what people were "wearing" to court...so you and yours know how to now NOT over or under do it for your area... what questions were asked and how they were answered.

very wise!!

[ccsjoe]

Wearing? You mean clothes? Oooops?

Of course, most were business casual actually.

Most questions were given monosyllabic answers.

[tobee43]

Wearing? You mean clothes? Oooops?


YES.....don't go nude....although i have now been informed that cleavage helps....i could have pulled myself together better had i known that...but it worked out ok anyway
Of course, most were business casual actually.

see....here it was blue jean...a no no for us our entire lives. suits and ties even to the grocery store for us! so that was a bit of a shock.
Most questions were given monosyllabic answers.

yeap...only answer what is asked in yes and nopes if you can..or no's ...keep the respect up!