I am not having a issue with flood insurance, but am with the modification of my home equity loan. I applied for a modification in Dec of 2008, was accepted in May 2009 with my new modified amount starting Jun 2009. Was told by a Chase employee to make Jun payment and send a "good faith" payment of mod amount so I did. Over $700.00. Then was informed that I overpaid and would not have a payment due till Jan 2010 of new mod amount. Statements read ZERO DUE from Jun-Dec 2009 so assumed Chase Employee gave me the right info. Jan 2010... read full review »