Chase / Washington Mutual Mortgage

JP Morgan/Chase bought Washington Mutual. JP Morgan/Chase has violated fair practice of consumer law. My home loan is serviced by Washington Mutual. My mortgage payment are up to date. However, as soon as Chase bought Washington Mutual starting on the 7th or 8th of each month I receive at one phone call a day from the collections dept with inquiry as to when my mortgage payment will be paid. My mortgage statement each month indicates the amount of $1096.45 due and the amount of $1132.16 if paid after the 16th of the month. When I asked why the collections department was calling, I was told that the calls were "reminder" calls. Reminder calls from the collections department? I specifically told them not to call because I was not and is not in arrears my mortgage. Today (Sunday, February 8, 2009) I received two phone calls, one around 6 PM and the other around 6:30 from Chase's collection department wanting to know when my February 2009 mortgage payment will be made and told me that they were calling as "documentation." I don't know how Chase treated their mortgage holders before the Washington Mutual purchase, but I strongly believe that Chase is attempting to purge Washington Mutual mortgages from their business and the "collections" calls to mortgage holders who are not late is part of their plan to "document" why WaMu mortgages are toxic and should be unloaded by them. This is unfair practice of consumer lending law from Chase and there must be a way to insist that they treat consumers in a just and fair manner, especially when the debt is not yet fully due, the consumer is paying timely each month and the debt is not in default.

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I am presently a mortgage customer of Washington Mutual. My loan number is 8008369608. I had requested the annual interest and taxes paid from 2005 to the present. Your system can only go back to 2008. Please research the information to provide me the data going from 2005 to 2007. The information from 2008 to the present is being mailed to my home address by the Chase representative.

I have tried to log on to the Chase system but it does not recognize me. My id number is bobmykulak25. I need the password.

Thank you.

Bob Mykulak

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They are doing this to me as well. However, I have an original Chase loan. What they are trying to do is bother you so much so you will pay your mortgage before the calls start to come in. Imagine, if they convinced 100,000 people to pay earlier, they would get the use of $100M or more for an extra 5-10 days. This will make them a TON of money and that is the point of this idiocy.

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Date of Complaint: March 8th and March 7th and March 6th and March 5th and March 3rd and March 2nd and March 1st.

I'm having the same problems as everyone else who was a Washington Mutual Customer (although my mortgage was being handled by Countrywide and then Bank of America before being sold to Chase): Those harassing phone calls insinuating that I'm not planning to pay my mortgage by the grace period deadline.

Every time they ask the same questions: Are you ____? Is the property at such and such an address? Have you made a payment? When are you planning to make a payment? -- And, if I already have paid: When did you make a payment? How did you pay? -- Is this the phone number we can reach you at (well of course I'm answering, aren't I?)?

And this happens every day, day after day until someone from Chase Financial tells the Chase "collections" department that the payment was made. And, they don't always receive this information in a timely fashion because I've gotten phone calls for days after I've already made my mortgage payment!

To me, this is harassment, plain and simple. Will anyone ever put an end to it? Please someone, anyone do something! My complaints to Chase about the calls have fallen on deaf (even though recorded for quality assurance) ears.

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It�s amazing they called me three times on Super Bowl Sunday; I have had my mortgage with WAMU for 9 years and never a call from them. Now for the past three months, since it became Chase they call within days. On Sunday I was upset, I had family over to watch the game and they have to ruin people�s lives with such harassment� I explained that due to my pay schedule I usually pay between the 12th and 15th online, it�s well within my Grace Period and that �no� I was not going to make a payment at this time since technically I�m not late� On top of that they are extremely rude with there approach, very disgusted with the way they treat they same people that bailed them out of their mess�

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Almost exactly the same thing has happened to me. Aug 24 auto pay from my online banking was put on hold according to the guy in the Philippines I talked to. Sept 24 payment is nowhere to be found although the money is no longer in my account. And now I have a statement with a late fee. Although I have not received calls from collections????

Plus they are not releasing an old lien release so I can refi!

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There were letters sent out saying that our automatic payments would be late this month (mine is dated 8/21) -- but I still got a call from collections on Saturday and phoned in an electronic payment ($12 fee!) because the debit still hadn't hit my bank account. As of this morning, they are apparently hitting my checking account anyway; customer service says they will "try" to stop the duplicate payment.

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Sept.7, 2009

My wife and I have inherited three different banks to handle our 15 year mortgage. But never had a problem until CHASE Bank took over WaMu mortgages.

We pay automatically from my checking account each month...no problem?

Twice they have befuddled the process.

The first was resolved. It took two days to find someone to talk with to accomplish this, including my bank.

WaMu/Chase tried to charge us $25., but later dropped the charge.

NOW, my auto-pay has been going smoothly , until Sept. 3rd, 2009's scheduled payment. The day arrived and no payment was taken out of my bank. I hate getting my balances corrupted.

When I called Chase, it only took all day to listen to messages and when I got a real person or two, the shock was setting in.

I hope that CHASE can get it all together and do what they then told me -- but the damage has already been done at my bank. I had to freeze paying any other bills until my AUTO mortgage payment is finally taken by CHASE. They said it was a problem because they were just now switching over from the WaMu hold on its company. They also said I would be debited Fri. the 4th at my bank and credited at CHASE as the 3rd of Sept , as originally contracted.

I have to wait until Tuesday to see if this happens because it didn't happen Friday!

What's next?

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Hello, I live in CA and have a 20+ yr old mortgage now with Chase as a WaMu "legacy". It's current. For 20 yrs I've been paying in the 12th-14th timeframe. Perhaps 6 "late fees" so far in 20 yrs. I, too have been receiving multiple calls from Chase starting on the 1st of each month. Earlier this year, Chase also called my parents (in NY) and sister (in MA) to follow up on payments not received by the first of the month!! That contact info was from pre-1995 data, probably original loan app. I called Chase collections to remind them this is harassment and it's illegal under both federal and state laws. Collections reps were horribly rude and worse yet, cavalier about the illegality involved. Had to reach out to a Chase home ofc rep who agreed those calls were illegal. The rep advised I write a "cease and desist" letter to the Collections Dept. in Florida. In the letter, reference the appropriate statutes and state willingness to pursue all available legal remedies. I changed my contact info from no phone number to my cell number, and am keeping record of one month's calls. Intend to cite both harassment of family members and repeated calls in my cease and desist letter next month. Today had a voicemail from someone at Chase "reaching out to former WaMu mortgage holders" and offering to reduce my interest rate and/or payment. Not sure I should even call back based on experiences thus far with Chase mortgage servicing. What do you think??