Chase harassing even non-late payers?
If you pay a mortgage, or any type of loan payment for that matter, you know, there is the due date, and the date after which a payment is considered late. For instance, my mortgage is due on the 1st of each month, but isn’t considered late until after the 16th.
I often pay after the 1st of the month (but before the 16th) and have never heard a complaint from my bank about this. After all, why would I, the payment isn’t late.
Why then is Chase harassing this customer with daily phone calls after the 1st but before the payment is actually due later in the month? Can they not figure out their own late payment date?
My wife and I have been sad Mortgage holders with Chase by accident.. We had a WAMU mortgage back in 96 that was transfered after the big mess and failure of WAMU. We have never been late with them, just on time before they could sick fees on us. The mortage is due on the 1st of course but the late fee is not assessed until the 16th. We purposely setup auto transfer of our payment for the 14th of the month before the payment is considered late. They seem to think that we need to be reminded every day after the 1st that our payment is due. We remind them that it is not late and no late fee is due. We pay the stupid mortgage unlike some of our friends and neighbors albeit just in time every month.. They seem to think that having some one call every day at least once literally to remind us starting on the 1st or the 2nd is appropriate and good business behavior. Even telling them we have it set up on the 14th does not work. They will call several times a day. Sadly I believe we will find some reason to sue them or do a strategic default since even paying the mortgage is not good enough for them. The people that call have meager english skills also and i believe my 5 year old could do better at calling people.
Point is Chase is obnoxious and even our second loan Ocwen does not even harass us.. Sad is that even Ocwen is smart enough to leave us alone since we pay consistently but Chase is not. If we default we will pay Ocwen and screw Chase if we can… Sad to say we will need to turn off the home phone or change our number because of Chase even though we are not deadbeats, work our asses off to fulfill the foolish committment we made while watching our neighbors buy new cars, take nice trips and not have to pay rent or mortgage for over a year.. Chase sucks and deserves some more bad loans….
Update: Here is another report of this same thing. Seriously, what are they trying to accomplish? I think this could be a great opportunity to mess with the Chase customer service people, like, “Hold on a sec” and then just set the phone down, or do some telemarketer pranks like comedian Jim Florentine does.
Ineptitude | admin July 13, 2010
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By S Arnold, August 7, 2013 @ 2:47 pm
I can’t believe I found this site! We have had a mortgage with Chase (originated by Wachovia and sold to Chase) for 10 years, have never been late on our payments, but pay every month on the 15th. I have been getting harassing calls from Chase for two consecutive months now. The first time I got a call I panicked; after all, it’s never good when your mortgage company calls you. But they just wanted to know when I would be paying the mortgage. I thought it was strange, but put it out of my mind. I have received two phone calls so far this month. I missed one and the message said I needed to call Chase about an “important message” regarding my mortgage. I was suspicious based on last month’s call, and I knew I wasn’t late on paying, but I called anyway. I received an automated message asking to make a payment (which I did not do). I told the Chase “harasser” who called today to stop calling unless the mortgage was late. I was told the calls will not stop, because technically my mortgage is due on the 1st, even though it’s not considered late until the 17th. What’s up?? I guess I’ll just stop taking their calls, but it’s still SOOOOO annoying!