Potentially positive experience ruined due to ineptitude
This potentially positive loan modification experience with Chase shows that even good outcomes must go through lost paperwork and plenty of other nonsensical bureaucratic snafus. It’s not Chase’s general unwillingness to work with people or admit to the realities of underwater borrowers, that is their prerogative. It is the pure ineptness of their process that I find the most distasteful. That has been WaMu/Chase’s problem for a long time, generally unhelpful and inept people.