Loan modification shenanigans

Here is another story that outlines everything that is wrong with Chase. Homeowner applies for a modification numerous times over 9 months. Chase loses paperwork, sends paperwork to the wrong address, approves them for a program they repeatedly tell Chase they don’t qualify for, and is abusive on the phone. They won’t accept mortgage payments for 9 months and then demand a huge balloon payment or they will foreclose. Can Chase really be that inept, or is this an explicit strategy they are practicing?

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