My loan modification was denied and after speaking with 11 reps who gave me the run around and transferred me all over the place I finally spoke to someone who gave me an answer. Chase denied my request, not because I can't prove hardship because I can, but because I can refinance- According to him if you don't owe a whole lot (less than 100, 000 in my case) and you can refinance - they want you to refinance because it benefits chase for u to refinance. In my case, I have 6 years left on my mortgage so they want me to refinance for 10-30 years so they can make more $ off me. read full review »