I have schedule a automatic bank payment with them for 11/30/11, but I was told that I can reschedule any time if have the funds. I have called again on 11/23/11 that the funds were there and they "rescheduled" the date for 11/28/11.

For my surprise on 12/01/11 we have seen two debits in our checking account- somebody from Metlife have not cancel the second transaction and now we had all the bills we were trying so hard to catch up with having insufficient charges and account bal negative.

I have started calling Metlife 7AM, spoke with many reps, waited hours for supervisor Susan Rodriquez, was given non working fax #s to fax my bank statements proving there mistake. Later that day they finally received the fax and agreed that was their mistake, spoke with supervisor Ali, that assured me that will call me later that day.

After speaking with Chase bank I found out that Metlife needs to cancel their withdraw so we are not charged with late fees. Called back again- about 8 times at least. And other representative told me that they can't do that, but will overnight me a check. I said that Chase have never heard bank not to be able to cancel charge and in that case we will have to pay the insufficient charges on all- many other withdraws scheduled. The Metlife rep said that they can refund late charges maybe after we send then a statement....Then I told them that after hours with them that day, missing work and having wrong numbers given, being put on hold ect. I didn’t get any help and have to cancel the double withdraw, that is their mistake with the bank to avoid late fees.

I was crying on the phone. They told me that they are taping me....I have not received a return phone call from supervisor Ali. We have never received the loan modification papers promised on 11/16/11, not that in the way they work will not make just bigger mess. I didn't get any help- just the opposite, huge disappointment from people that do not know what they are doing and do not seem to care about the consumer. I was charged on top $20- twice for them to put me in that mess.

Chase bank thankfully helped me fast with the problem.

Today with much hardship we got the money to make the Dec 2011 payment, but for my surprise after opening my statement online it shows that we now have had "returned payment"- We have never made that payment!!! And the bal of the account is $ 4522.70- double again. And to call the bank ASAP.

I have called right away and a rude CSR has told me that in her system shows the normal payment of $2251 and she has no idea- to call back Monday.

I did explain to her what mess they did before, but she very rudely said that that is all and call back. Maybe Metlife is planning to pay me for a day off work when it is such a hard time now for us. It is such a shame what they are doing with the people, no wonder that so many people are losing their homes. I was going to be late one week and that never happened in 12 years. I should have just schedule the payment online myself, not calling , letting them know, etc- after that still cannot get my blood pressure down the mess they made from such a small thing. I am a IL Broker and Manager and for have done mortgages, explained them to people and have an idea about the way it works. For clueless people, all that incompetent, uncaring reps can easily "help" people loose their homes, time, and money.

Somebody has to help them do the job they are there for the right way. It is so sad that insted if not little help they put you in such a mess and the rudeness and complete ignorence are stanning!!! Is this America and how many retired, underemployed or not so knowledgable people are put out of there homes or on red over something that is not their fault, but the bankers got the bonuses from out bailout money and now are ripping the people with ignorence... America, America.... all that and much more makes me think who cares and who does anything or we are all taking it and banks are charging late fees ASAP, but who is paying for their mistakes? Here is me and I am not alone unfortunatly. Please somebody stop them!!!!