Surely they have and you need to go up to the FTC website and read the case against Fairbanks Capital....
Federal Trade Commission - Home, it is an interesting read and the facts are all contained in that case for just what you are in the middle of.
That is why I have so many people send the letters and complaints to the appropriate authorities.....if there is servicing abuse and negligence then there needs to be accountability. What surprises me is that there has not been resolution as Chase is so accountable in the long haul for this sort of stuff. They are so federally regulated and audited, not so with HSBC, but certainly with Chase and they are not necessarily prone to this behavior. They can all goof, however this is a monumental goof. The process of modification my further muddy the waters as to what happened to missing payments....you really need to be on guard as they will try to roll the "past" due payments into the "solution" and if you were not past due, then the argument starts anew.