Chase Home Finance

Review: The PMI on my mortgage loan was supposed to be removed from my account once the loan was paid below 80%, my loan is now below 80% and I have meet all requirements to have it taken off, however they are now requiring more paper work and a BPO to remove it. Which was never stated in the paper work I singed. They are just adding new terms to my loan so they don't have to take it off.Desired Settlement: I want the PMI removed from my account with out having to do a BPO.

Review: We purchased our house 1 year ago. We did an [redacted] loan and have [redacted] insurance attached to our loan. Since purchase we have completely remodeled our home with 60,000.00 in improvements. When we called their customer service reps told us that since we added so much value to home and have made 12 on time payment that we could have our home appraised to see if we are below 78% LTV. We sent them an appraisal for 153,300 which makes us below 70% LTV. Now they are still not honoring our request to remove our PMI from our payment. when you call you get a different person every time and no one will give a person to call or email in that department. So we have no choice but to contact the Revdex.com.Desired Settlement: Remove Mortgage premium insurance.

Review: As a long-standing customer of your financial institution, for decades my husband and I have entered into many contractual obligations, where your institution has lived up to your end of the fiduciary responsibilities.This letter is to inform you of a lapse in that fiduciary responsibility.My husband and I initiated the latest collaboration, in an attempt to acquire a loan from your institution. In an effort to comply with the requirements, we completed the application process and provided all of the required documentary evidence, that we were informed was required to sanction this request. The series of breakdowns in the process were as follows:Poor communication and follow-throughImproper handling of our paperwork Incorrect and incomplete guidance on the necessary deliverables to effect this requestPoor guidance on next stepsI would suggest that a fresh look be taken, to ensure that the policies around communication and customer outreach should look to conform to a customer centric approach where the value of your customers matter. The resolution to this matter has been insurmountable and we would respectfully ask that the transaction be vacated and the pecuniary outlay be returned. It is our intent to remove ourselves from this contractual request and seek redress at another financial institution.Finally, we are completing additional due diligence to locate the statutes and regulations set-forth within the Consumer Protection Act, to determine applicability to our onerous and catastrophic customer experience. Thank you for attention to this matter and we would appreciate a timely rebuttal to this request.Mr. Jerome and Marcia JeffersonDesired Settlement: I desired to receive my money that was requested prior to the paperwork sent.

Review: On September 25, 2015, I lost my job due to indefinitely due to budgetary cuts throughout the company I worked for. When this happened, I contacted JP Morgan Chase, whom which services my mortgage loan. I contacted JP Morgan Chase to educate them of my current job situation and access their mortgage assistance programs. I was sent a packet to fill out and return with all documentation and proofs that was provided with the packet and that my customer assistance specialist had told me to fax in. I did so right away as requested. After about 5 business days went by, I then received another packet pertaining to the assistance I requested stating that all proofs hadn't been sent in, including forms I had most definitely already sent in. I then faxed in the additional documents and proofs as the packet said was "incomplete" and my customer assistance specialist also verified the application was incomplete due to the missing documents. Another 3 business days went by and I recieved the same packet with the same exact issues with my application, including missing proofs and that the packet was "incomplete". I then called JP Morgan Chase and spoke with my customer assistance specialist and she verified that all proofs and documents needed have indeed been received and that she would forward my application to underwriting. A week went by and by this time it was October, and I received the same packet listed as "incomplete" once again. I then called chase again and was unable to reach my customer assistance specialist whom had access to everything in my file so I left her a voice-mail informing her of the issues and her voice message said she would contact me within 24 hours. I then elected to speak with another representative, and that representative informed me that I needed to send additional documents in with information pertaining to the month of October since it is now October. So I retrieved the proofs and documents and faxed them into chase as requested. I never heard back from my customer assistance specialist. A week later I received the same packet listing "incomplete". once again. I called JP Morgan Chase and tried to reach my specialist and she was once again unavailable, so I spoke to another Representative and that specialist told me I had turned in all required documents to send my application over to under writing and that the packet I received in the mail stating it was "Incomplete" was automatic during this process and she told me to get a hold of my specialist. This exact situation with the packet coming in the mail about ever week stating the application was "incomplete" and my customer assistance specialist : [redacted] not getting in contact with me, all this preceded the exact same way for about 3 months longer. At this time it was January 2015 and I haven't got an answer from JP Morgan Chase. In January 2015, I received a notice of default and was informed that my loan had been handed over to [redacted] Law and foreclosure sale date was given. I did my research and found out that it is illegal for JP Mortage Chase or any other Mortgage entity to foreclose on my house while in process of my assistance application being reviewed. I contacted JP Mortgage Chase outraged and still couldn't reach my customer assistance specialist. I sent a complaint to the executive offices and again, never got answers. As my foreclosure sale date was approaching, I was experiencing a lot of distress during these unfortunate times. I received a notice in the mail from home advisers Legal guaranteeing a loan modification for $2,000.00. I therefore retained legal counsel, and found out I was scammed. My mailing address is my former attorneys address and I haven't recieved any documents for Chase since December. I now have a foreclosure sale date june 18 2015 and Im back where I started. I still haven't gotten any mail sent to me. HELPDesired Settlement: DesiredSettlementID: Modification/discontinuance or

An accomodatable resolution, legal action taken again JP mortgage chase. Foreclosure haulted. contact made by lender and to have my legal counsel removed from my file. I need to save my home

Review: Chase appears on my credit report as being late for several months. June, July, September, October, November, December of 2012, January and February of 2013, and January, Febuary, March, April,and May of 2014. This is not accurate. I have copies of my banking statements that show Chase payments coming out every single month. I have NEVER EVER MISSED A PAYMENT. There is something wrong with Chase's billing. In fact, Chase owes me for auto-drafting my account twice in January 2013 plus charging me for another amount. I want my credit report cleared today. This mortgage account was for the address of [redacted].

Thank you,Desired Settlement: Clear my credit report of saying I was ever late. Delete the 30 to 60 days lates.

Review: My mortgage was transferred to chase by another mortgage company without any previous notice; just over night I found my mortgage with chase. Then I went through refinancing at a lower interest rate with chase. After talking with a representative I went ahead with the non refundable appraisal. Once completed the house was appraised below the allowed 80% loan to value and they required PMI. I contacted my loan officer, MB Floater Processor and servicing department of mortgage company to verify how and when the PMI can be removed. All whom I spoke with from Chase assured and informed me with no hesitation that the PMI can be removed when the ratio of loan to value is 80% or higher, there is no restriction as far as the time frame and there is no other requirements. The provided answer made me to proceed to get refinancing process done with chase because I thought Chase is a trusted name. I requested an appraisal after almost one year that I found out the house value is higher to keep up with the required loan to value ratio, now I get another requirement to deny my request. they say there is no substantial improvement on the house and PMI is not removable for the first 2 years. These are the requirements that I've never been disclosed by any one in Chase even when I asked them personally about other requirements or especially restriction on time frame or waiting period.I was assured that there is no waiting period for removing PMI. I would not thought twice about proceeding with the refinancing with chase if I was informed of the all requirments.Desired Settlement: removing PMI

Review: We have been trying to refinance our home for the past six months. Paperwork constantly gets lost. Within a week of closing (twice) the bank required extra accounts to be paid off, another appraisal, and more hoops to jump through. At the onset of each attempt to refinance, we were told that Chase had all the proper paperwork needed and that no further actions were needed on our part. We were forced to pay county taxes up front, instead of coming from current loan holder's escrow account [redacted]) Within two days of paying taxes, in order to close with Chase, we were denied the loan. Thus, we were forced to pay our taxes when Chase representatives had already denied our loan. We are in the process of closing (second attempt) and we were set to close next week. Now we need another appraisal, that they should have requested 45 days ago, not the week before closing. Chase bank has not been communicating well with us and we still have not been told closing costs. We are tired of being given the run around.Desired Settlement: Refund of cost of appraisal and any other costs given or occurred from dealing with Chase for six months.

Review: In a HARP mortgage refinancing application submitted through the Waterford JP Morgan Chase branch, for mortgage loan [redacted] address [redacted] The Sr. Loan Processor of JP Morgan Chase, indicated that an issue existed with the title (documents forwarded). I was surprised of this response since I made and held this load with Chase since 2008 and nothing was mentioned at the time.

Chase directed me to [redacted] Title Insurance Company, and to request that [redacted] investigate the issue with the property title. On December 2 of 2013, [redacted] replied that Chase was the insured party, and that I could not submit a claim. It was Chase responsibility to submit the inquiry. I provided this information to Chase (documents forwarded).

Despite providing this data to Chase, on February 10th, 2014, Chase sent my wife and I letters of default on the mortgage, and reported us to be in default to the credit bureau. We learned of this when we applied for credit and it was denied. This has caused harm to me and my wife (documents forwarded).

I secured the services of an Attorney, whom submitted a letter to Chase inquiring on the issue, and indicating that payments would not be made on the property while issue was discussed.

I did notice today December 9th, 2014 that the mortgage entry is not listed under my name when I logged onto Chase online to check my accounts.

Why was a loan extended to me in the first place if this issue existed? I have previously refinance this loan and paid over approximately 5 years on this mortgage under JP Morgan Chase and prior to this approximately 5 additional years under [redacted] Financial. The loan was extended without issues; however issue were found when refinancing through HARP was requested.

In this case the banks have benefited from this deal, and I have paid this loan with interest for over 10 years (collectively). Now have my credit rating affected for a property that was never mine.

No responses (beside foreclosure, reporting to credit bureau, and removing mortgage from online) has been received from JP Morgan Chase in this matter.Desired Settlement: I request that JP Morgan Chase removes the report made to the credit bureau that is currently damaging my credit. (I have not quantified at this point how much damage this represents).

I request that JP Morgan Chase contact my attorney to settle this matter. Note that my attorney has reached out via mail to JP Morgan Chase on this matter. Note I do not trust, and I am not interested in continuing business with JP Morgan Chase on this property.

Review: I had an existing home loan with Chase with a high interest rate. I re-financed with them and worked with [redacted] and [redacted]. I'm not a home loan expert, in fact, all of this was new to me. I relyed 100% on them to answer all my questions and I was confi[redacted] that they were setting everything up correctly. After it was all said and done, my monthly mortgage was supposed to be $534.85 for 15 years (which includes taxes and insurance). That was pushing what I could afford but I was ok with that. I paid April 2013 payment, May 2013 payment, and June 2013 payment then on June 24th I received a letter in the mail stating my ESCROW account was short $672.78. My 3 options they gave me is I either have to pay the $672.78 and my payment will go up to $538.82, I could pay part of the shortage and my payment will be raised by dividing evently the balance, or I pay nothing and my payment goes to $594.89. I don't have any extra money to pay $672.78 up front, nor do I have extra room in my monthly budget to afford to pay $50 more per month. Keep in mind, this is less than 3 months after I closed on my re-finance! Someone miscalculated. I called Chase and they said it was the Title companies fault, I called the title company and they said it was Chase's fault.Desired Settlement: I would like whoever is responsible for miscalculating (whether it be Chase or the Title Company) to fund my ESCROW account $672.78 and my payment only be $538.82 starting on 09/01. This was not my mistake and had I have known my payment was going to go up by $50/month 3 months after the re-fi closed I would've never done this whole thing.

Review: Chase Bank, Mortgage Lender [redacted], solicited me for a refinance on a rental property that we purchased Chase/ FHA in 5/2008, She met with me Sept 2012. We started the loan process and all was moving forward, until underwriting found that we also had a Chase/ FHA on another rental property purchased as a primary residence 7/2010. Right away they accused us of doing something illegal, " we know your good people and didn't mean to do anything wrong" while I fought to keep the loan moving forward, Chase kept asking for information that was almost impossible to get without getting my taxes done, and that wouldn't be until after the first of the year, because the either embarrassed that a second FHA got through underwriting , or that they feel we deceived them in some way, Chase banl called me Nov. 6th 2012 and told me that " this loan would not be going forward and this is true and factual", I contacted the federal reserve, who assigned me a case number and an advocate through Chase bank, who was given dates and times that do not match my date and times on emails and voice mail I received from Chase, I was also dismissed by this person, I never disputed his decision since he based his decision on what he thought was truth.

On Dec 26, 2012, I contacted the federal reserve again, only wanting to start the loan process again through a different branch, I was contacted at the end of Feb 2013. the loan process was started Mar 4, 2013, four months later I sit here, in and out of underwriting as they keep charging me .5 of a pt for every month that goes by as they request redundant information that does not reflect whether we are credit worthy or not.

My opinion is that they think I will go away as they make this situation as expensive and painful as possible. If Chase manages to disqualify me for this refinance, the still own this loan, that does not change, but they will manage to collect 6% intrest for the next twenty five years of whats left on this loan, I feel that they have held us at a higher standard, for unfounded reasonsDesired Settlement: I need to have this resolved as quickly as possible, there was no reason this could not have closed at the end of May, I feel any charges after that time are not warrented,

Review: Chase/[redacted] didn't issue "Mortgage Discharge letter" to [redacted] land recording

I refinanced my Chase/[redacted] with [redacted] back in 2003 for my Collateral proprty "[redacted] Ma 02143" and I am in the process of selling the propoerty and closing date is tomorrow Aug 2nd and I was told by my reas estate attorney that closing gets delayed due to fact Chase bank didn't issue mortgage discharge to "[redacted] land recording" web site.

Name : [redacted] Current Address : [redacted] CA 95125

Collateral address : [redacted] Ma 02143

Phone : ###-###-####

FAX : ###-###-####

I have enclosed a copy of my title as well as copy of deed of trust. I am in the process of selling my collateral property and closing date is 08/02/2013 and I fighting with the time. I need reconveyance document from [redacted]/Chase bank fax to following # given below ASAP. I refinanced my mortgage with [redacted] back in 2003 and it seems no mortgage discharge is recorded in the [redacted] land recording web site.

Please expedite it ASAP.

Please expedite and fax the reconveyance letter to my real estate attorney"[redacted]" at

###-###-####Desired Settlement: Please expedite and fax the reconveyance letter regarding "[redacted] Ma 02143" to my real estate attorney"[redacted]" at

###-###-####

Review: My wife and I tried to refinance our home mortgage with Chase, since we have an existing Private Client relationship with them. According to Zillow, and according to my Realtor, our home is worth ~$450,000. However the appraiser that Chase used appraised our home at ~$300,000. This is far below the market for our house. We were told to come up with other home sales in the area- which we did- but we were told they had to be multi-family. The fact is there have not been ANY multi-family sales in the same part of town where our house is; there have only been multi-family sales on the bad side of town, and that's where the appraiser got her comp's. Both Zillow and our Realtor know the area better. I can't see why Chase can't get an appraiser who knows the area well enough to know the good side of town from the bad side of town. She didn't even take school districts into consideration, which is the main driver of real estate prices!

I have wasted MANY HOURS of my time going back and forth with Chase on this, and it's clear that they do not plan to refund my application fee. I'm fed up with the process, and I just want this resolved.Desired Settlement: Refund my $650 application fee plus the hours of my life wasted in what was supposed to be a positive experience of consolidating our debts.

Review: In November 2013 I applied for a loan modification from this company. My monthly payment is $350. My mortgage is currently in default and they have not reached a decision on my loan. I did receive a letter from them 10 days ago indicating my monthly mortgage would not be $500. I cannot afford this monthly amount. They have continued to ask for documentation about my income and I send them this information and they continue to ask for documentation.Desired Settlement: I would like them for finalize my loan modification and for my payment not to be raised to $500 a month.

Review: I have been under contract with my condo in a shortsale process since June 2013, after being on the market, trying to sell for two years. Chase has time and time again stalled the process with no reasoning for stalling for going on 9 months now. I understand that this process is never quick, but we have provided all our paper work over, and over, resubmitting everything multiple times upon request. Chase is purposely stalling, so the paperwork never gets approved, waiting for the buyer to get tired of the situation and leave the contract.Desired Settlement: Completion of shortsale process, releasing me from any further obligations to them with the sale of this condo.

Review: JPMORGAN, CHASE BANK REPORTED TO SELECT PORTFOLIO SERVICING THE COMPONY THEY TRANSFERED TO SERVICING MY MORGAGE LOAN AND TO THE CREDIT BUREAU THAT I WAS LATE ON 2 PAYMENTS 1 IN JUNE 2012 OR 2013 AND DEC 2012 OR 2013 NOT SURE AS THEY GAVE ME AND SELECT PORTFOLIO SERVICING DIFERENT DATES.I WOULD LIKE THIS MATTER CLEARED UP AND REPORTED TO ALL CREDIT BUREAUS, THEY OVER charged me in verious areas of my loan, they transferred my loan when we were in the process of finding out why they charged me for being late. I sent them copies of payments paid 2 times in the same month.I also discussed with chase that I made a payment in chase bank and it was not recorded, they told me to wait because I was in the process of loan modification and it would hold up the modification.Desired Settlement: all settlement due to me, late payments and fees corrected.

Review: On or about 5/22/14, I received yet another letter of indebtedness from Chase, reference account number [redacted] First, the property was sold with Chase approval on or about 6 March 2014[redacted] and [redacted] acting with Chase, satisfactorily came to terms on the aforementioned date. My concern and or request is three-fold. First, please correct my credit to indicate that the property has been sold and discontinue reporting delinquency to the credit bureaus. Secondly, please release my name as the owner on all matters of public record. Lastly, please correct my mailing address which is [redacted]I have received invoices to my correct mailing address for quite some time, [redacted] However, the letters of indebtedness, inexplicably, went to [redacted] thus delaying my receipt. Faxing to: [redacted]Tel: [redacted]: The Revdex.com, New JerseySincerely[redacted] Manager, [redacted]Desired Settlement: First, please correct my credit to indicate that the property has been sold and discontinue reporting delinquency to the credit bureaus. Secondly, please release my name as the owner on all matters of public record. Lastly, please correct my mailing address which is [redacted]

Review: I am a single mother of two children with no help and support from their father. I am self employed and an owner and stylist of a salon. I came upon hard times in business plus losing 2 stylists. my son became ill and required testing and meds not covered by my plan. this time also required legal fees to handle his dad. all of this was put in writing and ask for assistanace. I have been dealing with this for over 3 months while all the time my cedit is sufferring and I am strugguling to pay the bills. I was assigned a person to talk with and I have left numerous messages with no response. each time I call it is with a different person and with different info that I have to turn in. we have been at this for months and it seems like chace is not willing to help and I need further assistence. they have strung this along for almost 3 months. I need help in order to not loose my home. chase has told me they would help me before I consider the alternitive. I want to save my childrens home but this company is not helping at all. I want to let others know the struggle I have had with chase bank mortgageDesired Settlement: DesiredSettlementID: Other (requires explanation)

I would like someone to work with me as they told me they would to say my home

Review: 5/11/2015[redacted] Attention: Chase [redacted]., This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed:Made by: [redacted]/ Chase Privat[redacted]I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 168b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, Im sure youll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization or authorization into my home property address and loan information, I request that, after removing your unauthorized and illegal inquires from my credit profiles, you also remove all of my personal information from your illegal records and send me confirmation that you have complied with my requests. Sincerely[redacted]Desired Settlement: Please remove my personal information from your illegal records and stop all harassing phone calls and letters.

Review: I have applied for Chase Loan in March 2015 and got Loan closed on June 30 2015 with Chase.

During this period of time I got multiple Hard inquires on my Credit Report from Chase Mortgage.Upon inquiry with Chase they were unable to provide any justifiable reason for those inquires.

They (Chase Mortgage) recently sent me a letter stating that inorder to prove them that they have done multiple Har d inquires I need to send them Credit report from all Credit Bureaus along with authorization from my side.Desired Settlement: I would like to get all the irrelevent hard inquires done by Chase Bank to be removed from my Credit reports from all the 3 Credit Bureaus . I have requested this multiple times but had no clear response from Chase.

Review: This letter is in regards to filing a complaint against Chase Bank. I have a Mortgage with them. They took my loan over from [redacted] Bank in Nov 2008 but per my credit report is says Chase has it since 2004 Since the change of banks there are several problems with this bank ,Listed below are my complaints,

1, They are miss applying my payments,See examples attached. I am paying extra escrow and they are not applying. it along with some payments Have sent receipt showing how much they show receivng but is not the amount applied. Want these funds back and the payments not applied to be applied

2.When I started my loan with [redacted] my loan was 227 thousand 5 years later it was 242 thousand. No one wants to explain this to me.

3. Have paid extra funds towards my escrow ,but it is not applied to any accounts please see examples. also dose not show the over payments

Suspense Accounts

As the name suggests, a suspense account is an account set up by a mortgage servicer to hold a borrower’s funds in a suspended state until it decides how to allocate them. Suspense accounts are used primarily when the borrower makWaes a partial or incomplete payment, though it can also be utilized if you overpay as well.

4.Shows many payments in suspense do not understand where these payments are going they are not and weren't short paid at any time.

Misapplication of Payments or Inaccurate Accounting

One of the duties of a mortgage servicer is to collect and process payments from the borrower. However, in some cases, a mortgage servicer may:

improperly apply funds (in violation of the terms in the mortgage contract)

ignore a grace period, and/or

fail to credit funds to the account

Bank in question [redacted] and chase Please look at all information attachedDesired Settlement: To refund the extra money or put in it the correct account and apply the payments to my loan