Just caught the Chase Operator LYING to a "friend" of mine!!! - Loan Modification Forum

BudgetCutsinOC · 09-28-2009, 02:07 PM

Listen to both clips,,,,,

First clip she says "Laura Chacon" does not allow calls to be transfered to her and second, she still wants "his" original loan payment after "he" got "approved" for a 3 month trial????? WTF is going on at Chase!!

+ YouTube Video

Second clip,,, Now states shes doesnt know her(Chacon)??? Then she refuses to transfer "him"!!! And All of a sudden "they" know about "his" "trial period".. Something FISHY is going on !! CROOKS~~

+ YouTube Video

Once you listen you will see the BS me and MANY others have to deal with on a daily basis!!!!!

F CHASE!!!!!!!!

Is Loss mitigation the sama as Collections???????? They seem to think so!

caldwellb02 · 09-28-2009, 02:17 PM

Gad I knew that phone number by heart and I'm sure I've talked with that woman! She clearly just wants your money. without any paperwork. I wonder if they work on commission in that dept? Or if they do "daily huddles" (check out youtube "daily huddle" cartoons). Probably in their huddles they rev each other up re: how many of us they are going to get to pay something even though we don't have paperwork!

ohhhdear · 09-28-2009, 02:23 PM

This is a great idea! Tape 'em and put it on Youtube!

Brilliant! GREAT IDEA!!!

vavivo · 09-28-2009, 02:48 PM

These people have no clue! Honestly, lets just say you had money to pay your balance in full, would you give this person your financial info over the phone...Heck no.... wouldn't you send a check or ask to be transferred to an american agent?

Moe Bedard · 09-28-2009, 03:35 PM

Budget, this is classic. Can I post these on my home page?? This would be great for more people to do this.

Please keep doing this to expose Chase and I'll do my best to make these videos viral

SwillerAlesbane · 09-28-2009, 03:55 PM

If you would like to receive your payment.....PRESS 1 for ENGLISH

If you would like to receive your payment in full.....

STOP LYING AND BULL****TING THE AMERICAN PUBLIC.

BudgetCutsinOC · 09-28-2009, 04:15 PM

Quote:

Originally Posted by Moe Bedard

Budget, this is classic. Can I post these on my home page?? This would be great for more people to do this.

Please keep doing this to expose Chase and I'll do my best to make these videos viral

Permission GRANTED!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

ohhhdear · 09-28-2009, 04:16 PM

Quote:

Originally Posted by BudgetCutsinOC

Permission GRANTED!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

YES!!!!!!!

This is awesome!

BudgetCutsinOC · 09-28-2009, 04:27 PM

I think I will have my friend call them everyday and have him record all conversations!! Just to prove HOW DISORGANIZED these knuckleheads are!!!

Melanie702 · 09-28-2009, 04:37 PM

I'm with BofA, but same sh!t, different bank. They're all the same. Love this! Is this legal though? I'd be afraid to get busted.

a2kman · 09-28-2009, 04:55 PM

All, It is legal to record the call but you CAN'T us it in the court of law with prior approval from the other party. The "loop hole" is that you can record the call as long as it's for a personal record AND, there is nothing against the law to share.

Good example, msnbc "to catch a predator" do you think ANY of those people wanted those secret recording publicized?

litehouse01 · 09-28-2009, 05:10 PM

In the state of Maryland you need both parties consent to tape......AKA... the Acorn scandel thats going on right now.. the state of maryland has filed charges against the guy who did the taping at the Acorn office in Baltimore its all over the news here so BE CAREFUL....Especially since all these emails went out to various officials in State, local and federal government...you don't want to derail the cause over laws and technicalities...each state has different laws..I know what you are trying to expose...but consider all the consequences associated with it........Be Careful.. I don't think I want to be involved with any tapings its not worth what could come down the pike....CHeck the laws & tread careful

a2kman · 09-28-2009, 05:18 PM

litehouse01:

I agree with your point but, if you really dig into what they are trying to charge them with it is NOT the tape but a BS charge of prostitution NOT the tapes them selves.

It's a media spin on the tapes, JUST like the media SPINS how Chase has "HELPED" 100's of thousands of home owners ....

litehouse01 · 09-28-2009, 05:26 PM

No its not..... its against the law to tape a 2 party conversation in the state of MD WITHOUT both parties consent period. I live here I know what I am talking about and I am following the case very closely...And they are not the only ones that have been charged under Maryland Law for taping a 2 party conversation...Look it up.. States Attorney General Doug Gansler is handling the case for the State of Maryland

a2kman · 09-28-2009, 05:34 PM

litehouse01:

OK, you DO make a good point that before you post ANYTHING check your local state laws. No offence intended, we are all here for the same purpose and I appreciate everything you post. I was just bringing in other thoughts that in other states if you can do this, DO IT ... we need any ammunition we can muster to fight back. I'm personally in California and know we CAN get away with it under certain circumstances.

litehouse01 · 09-28-2009, 05:35 PM

For your information go to www.rcfp.org and you can select whatever state in the United States and it will give you the law for that particular state concerning TAPING of CONVERSATIONS there be sure to select Maryland to see our law.....or you can access thru the States website. Taping is not something to play with..I am on your side when it comes to Chase and the things they are and aren't doing and I have my house on the line as well I am trying to save...I am trying to save my own home from the brink of foreclosure ( 5 months behind) but I won't break the law to do it. I am going to be true to myself and play by my rules. Just my opinion. Think first before you act is all I am saying.......just some friendly advise

caldwellb02 · 09-28-2009, 05:52 PM

litehouse - I checked and CA is a state where you must disclose. I wonder, though.... Is there anyone out there who knows if there is a law that states WE must agree to being taped? Or for that matter, what about just saying, when they ask to tape the call, "Okay, and I want you to know that I will be taping, too.?" Then they of course will have the opportunity to say they can't talk with us.... but is there a law that states we HAVE to be taped? I'm going round and round here but there has gotta be a way that, if we agree to be taped, then they must also agree to be taped (if we have the technology - which I don't). I'm going to relook at the list and see if I can figure out what states don't have that law, and maybe loansafe members from those states can create those videos...?? Back to you soon on that one.

BudgetCutsinOC · 09-28-2009, 06:03 PM

I cant get in trouble I have done nothing wrong. I didnt recored the conversation! What are they gonna do??? Take my house?!?! Take it PLEASE!!!

On a side note my friend called back 30 minutes later and talked to a lady in Florida. This lady was very helpful. She told me that my friend had a "negotiator" assigned!!!! WTF.. that was the first we have ever heard of that!! She had all kinds of helpful information. I recorded it, but I accidentallt erased it!! DAMN it was good!

a2kman · 09-28-2009, 06:17 PM

litehouse01,

Your right I just talked to my father who is a lawyer, it is illegal in most states to record a conversation without both parties consenting, you can however record the conversation and then transcribe it and have a "3rd" party play the bank and record that with consent.

caldwellb02 · 09-28-2009, 06:36 PM

I tried to do a more comprehensive post, but there were too many images, so I just have a list here. I've gone through that website that litehouse mentioned and these are the states that I've interpreted (I am NOT an attorney), where it might be okay to record the conversations without their knowledge - as long as one of the parties has knowledge. If the state isn't listed here, for sure it's at least a misdemeanor if not a felony (assuming this website has the correct info). If I lived in one of these states listed below, I would do more research than I have done here before being comfortable with the taping of the conversations without their knowledge. These states seem to say its okay if it's not for criminal intent AND one of the parties has consented....

Arkansas, Colorado, Delaware ,District of Columbia, Hawaii, Iowa, Idaho, Kentucky, Louisiana, Minnesota, Missouri. Nebraska, New York, North Carolina, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee. Texas. Utah. Vermont. Virginia. West Virginia. Wisconsin ,Wyoming

Take a look at the site she listed for the laws...

litehouse01 · 09-28-2009, 06:36 PM

You can try and tables on them..with every phone to or from chase they say the call may be recorded for Quailty purposes I suppose if you didn't agree to be recorded they would have to end the call...when you call chase advise them you would like to tape the conversation and see what they say if they agree...then there is your 2 party consent..if they don't agree then don't....don't stup to their level...but I would be courious to see what they wold say?????

litehouse01 · 09-28-2009, 06:39 PM

Thanks Caldwellb02.....I agree its better to error on the side of caution and not loose sight of the cause which for all of us is a MODIFICATION

chasepmt2hot-firefighter · 09-28-2009, 07:10 PM

It's called, roll playing, just like if someone read your deposition in court. Example - When a national media source (dateline, 60 mins, 20/20) shows an image of a hand written letter and reads the words out loud. When you sign w/a national media source to air your story, it's an open book. Anything goes...

chasepmt2hot-firefighter · 09-28-2009, 07:20 PM

i meant role... it's late...

caldwellb02 · 09-28-2009, 08:01 PM

litehouse - I'mt hinking we don't even say we "would like to" record. Just say "and fyi, this is also being recorded so I can keep a record of our calls." If they don't say anything - is that implied consent?

09-28-2009, 02:17 PM	#2 (permalink)
caldwellb02 Senior Member Join Date: Nov 2008 Location: Northern CA Posts: 1,762 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! Gad I knew that phone number by heart and I'm sure I've talked with that woman! She clearly just wants your money. without any paperwork. I wonder if they work on commission in that dept? Or if they do "daily huddles" (check out youtube "daily huddle" cartoons). Probably in their huddles they rev each other up re: how many of us they are going to get to pay something even though we don't have paperwork!

09-28-2009, 02:23 PM	#3 (permalink)
ohhhdear Senior Member Join Date: Apr 2009 Location: Florida Posts: 268 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! This is a great idea! Tape 'em and put it on Youtube! Brilliant! GREAT IDEA!!!

09-28-2009, 02:48 PM	#4 (permalink)
vavivo Senior Member Join Date: Aug 2009 Posts: 45 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! These people have no clue! Honestly, lets just say you had money to pay your balance in full, would you give this person your financial info over the phone...Heck no.... wouldn't you send a check or ask to be transferred to an american agent?

09-28-2009, 03:35 PM	#5 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! Budget, this is classic. Can I post these on my home page?? This would be great for more people to do this. Please keep doing this to expose Chase and I'll do my best to make these videos viral __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

09-28-2009, 03:55 PM	#6 (permalink)
SwillerAlesbane Senior Member Join Date: Aug 2009 Posts: 124 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! If you would like to receive your payment.....PRESS 1 for ENGLISH If you would like to receive your payment in full..... STOP LYING AND BULL****TING THE AMERICAN PUBLIC.

09-28-2009, 04:27 PM	#9 (permalink)
BudgetCutsinOC Senior Member Join Date: Sep 2009 Posts: 179 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! I think I will have my friend call them everyday and have him record all conversations!! Just to prove HOW DISORGANIZED these knuckleheads are!!!

09-28-2009, 04:37 PM	#10 (permalink)
Melanie702 Senior Member Join Date: Mar 2009 Location: Las Vegas, Nevada Posts: 535 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! I'm with BofA, but same sh!t, different bank. They're all the same. Love this! Is this legal though? I'd be afraid to get busted.

09-28-2009, 04:55 PM	#11 (permalink)
a2kman Senior Member Join Date: Jan 2008 Posts: 63 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! All, It is legal to record the call but you CAN'T us it in the court of law with prior approval from the other party. The "loop hole" is that you can record the call as long as it's for a personal record AND, there is nothing against the law to share. Good example, msnbc "to catch a predator" do you think ANY of those people wanted those secret recording publicized?

09-28-2009, 05:10 PM	#12 (permalink)
litehouse01 Senior Member Join Date: Sep 2009 Posts: 483 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! In the state of Maryland you need both parties consent to tape......AKA... the Acorn scandel thats going on right now.. the state of maryland has filed charges against the guy who did the taping at the Acorn office in Baltimore its all over the news here so BE CAREFUL....Especially since all these emails went out to various officials in State, local and federal government...you don't want to derail the cause over laws and technicalities...each state has different laws..I know what you are trying to expose...but consider all the consequences associated with it........Be Careful.. I don't think I want to be involved with any tapings its not worth what could come down the pike....CHeck the laws & tread careful

09-28-2009, 05:18 PM	#13 (permalink)
a2kman Senior Member Join Date: Jan 2008 Posts: 63 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! litehouse01: I agree with your point but, if you really dig into what they are trying to charge them with it is NOT the tape but a BS charge of prostitution NOT the tapes them selves. It's a media spin on the tapes, JUST like the media SPINS how Chase has "HELPED" 100's of thousands of home owners ....

09-28-2009, 05:26 PM	#14 (permalink)
litehouse01 Senior Member Join Date: Sep 2009 Posts: 483 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! No its not..... its against the law to tape a 2 party conversation in the state of MD WITHOUT both parties consent period. I live here I know what I am talking about and I am following the case very closely...And they are not the only ones that have been charged under Maryland Law for taping a 2 party conversation...Look it up.. States Attorney General Doug Gansler is handling the case for the State of Maryland

09-28-2009, 05:34 PM	#15 (permalink)
a2kman Senior Member Join Date: Jan 2008 Posts: 63 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! litehouse01: OK, you DO make a good point that before you post ANYTHING check your local state laws. No offence intended, we are all here for the same purpose and I appreciate everything you post. I was just bringing in other thoughts that in other states if you can do this, DO IT ... we need any ammunition we can muster to fight back. I'm personally in California and know we CAN get away with it under certain circumstances.

09-28-2009, 05:35 PM	#16 (permalink)
litehouse01 Senior Member Join Date: Sep 2009 Posts: 483 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! For your information go to www.rcfp.org and you can select whatever state in the United States and it will give you the law for that particular state concerning TAPING of CONVERSATIONS there be sure to select Maryland to see our law.....or you can access thru the States website. Taping is not something to play with..I am on your side when it comes to Chase and the things they are and aren't doing and I have my house on the line as well I am trying to save...I am trying to save my own home from the brink of foreclosure ( 5 months behind) but I won't break the law to do it. I am going to be true to myself and play by my rules. Just my opinion. Think first before you act is all I am saying.......just some friendly advise

09-28-2009, 05:52 PM	#17 (permalink)
caldwellb02 Senior Member Join Date: Nov 2008 Location: Northern CA Posts: 1,762 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! litehouse - I checked and CA is a state where you must disclose. I wonder, though.... Is there anyone out there who knows if there is a law that states WE must agree to being taped? Or for that matter, what about just saying, when they ask to tape the call, "Okay, and I want you to know that I will be taping, too.?" Then they of course will have the opportunity to say they can't talk with us.... but is there a law that states we HAVE to be taped? I'm going round and round here but there has gotta be a way that, if we agree to be taped, then they must also agree to be taped (if we have the technology - which I don't). I'm going to relook at the list and see if I can figure out what states don't have that law, and maybe loansafe members from those states can create those videos...?? Back to you soon on that one.

09-28-2009, 06:03 PM	#18 (permalink)
BudgetCutsinOC Senior Member Join Date: Sep 2009 Posts: 179 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! I cant get in trouble I have done nothing wrong. I didnt recored the conversation! What are they gonna do??? Take my house?!?! Take it PLEASE!!! On a side note my friend called back 30 minutes later and talked to a lady in Florida. This lady was very helpful. She told me that my friend had a "negotiator" assigned!!!! WTF.. that was the first we have ever heard of that!! She had all kinds of helpful information. I recorded it, but I accidentallt erased it!! DAMN it was good!

09-28-2009, 06:17 PM	#19 (permalink)
a2kman Senior Member Join Date: Jan 2008 Posts: 63 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! litehouse01, Your right I just talked to my father who is a lawyer, it is illegal in most states to record a conversation without both parties consenting, you can however record the conversation and then transcribe it and have a "3rd" party play the bank and record that with consent.

09-28-2009, 06:36 PM	#20 (permalink)
caldwellb02 Senior Member Join Date: Nov 2008 Location: Northern CA Posts: 1,762 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! I tried to do a more comprehensive post, but there were too many images, so I just have a list here. I've gone through that website that litehouse mentioned and these are the states that I've interpreted (I am NOT an attorney), where it might be okay to record the conversations without their knowledge - as long as one of the parties has knowledge. If the state isn't listed here, for sure it's at least a misdemeanor if not a felony (assuming this website has the correct info). If I lived in one of these states listed below, I would do more research than I have done here before being comfortable with the taping of the conversations without their knowledge. These states seem to say its okay if it's not for criminal intent AND one of the parties has consented.... Arkansas, Colorado, Delaware ,District of Columbia, Hawaii, Iowa, Idaho, Kentucky, Louisiana, Minnesota, Missouri. Nebraska, New York, North Carolina, North Dakota, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee. Texas. Utah. Vermont. Virginia. West Virginia. Wisconsin ,Wyoming Take a look at the site she listed for the laws...

09-28-2009, 06:36 PM	#21 (permalink)
litehouse01 Senior Member Join Date: Sep 2009 Posts: 483 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! You can try and tables on them..with every phone to or from chase they say the call may be recorded for Quailty purposes I suppose if you didn't agree to be recorded they would have to end the call...when you call chase advise them you would like to tape the conversation and see what they say if they agree...then there is your 2 party consent..if they don't agree then don't....don't stup to their level...but I would be courious to see what they wold say?????

09-28-2009, 06:39 PM	#22 (permalink)
litehouse01 Senior Member Join Date: Sep 2009 Posts: 483 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! Thanks Caldwellb02.....I agree its better to error on the side of caution and not loose sight of the cause which for all of us is a MODIFICATION

09-28-2009, 07:10 PM	#23 (permalink)
chasepmt2hot-firefighter Senior Member Join Date: Jan 2009 Posts: 228 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! It's called, roll playing, just like if someone read your deposition in court. Example - When a national media source (dateline, 60 mins, 20/20) shows an image of a hand written letter and reads the words out loud. When you sign w/a national media source to air your story, it's an open book. Anything goes...

09-28-2009, 07:20 PM	#24 (permalink)
chasepmt2hot-firefighter Senior Member Join Date: Jan 2009 Posts: 228 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! i meant role... it's late...

09-28-2009, 08:01 PM	#25 (permalink)
caldwellb02 Senior Member Join Date: Nov 2008 Location: Northern CA Posts: 1,762 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Just caught the Chase Operator LYING to a "friend" of mine!!! litehouse - I'mt hinking we don't even say we "would like to" record. Just say "and fyi, this is also being recorded so I can keep a record of our calls." If they don't say anything - is that implied consent?

Thread Tools
Show Printable Version Email this Page
Display Modes
Linear Mode Switch to Hybrid Mode Switch to Threaded Mode