I really don't know what area to post this under, but I'll let you decide Chase Bank offered to customers affected by hurricane Harvey the option of deferring mortgage payments from September to December They said there would be no penalty, late fee or negative reports to the credit bureaus I accepted the offer and although my payment automatically paid on September 1, the bank reimbursed my payment within a week That, in my legal opinion, created a binding contractTwo parties agreed on a beginning and ending date and consideration (money) exchanged handsYesterday I was contacted by Chase to tell me that on December the account, and all accounts with deferred payments, must be made current or all the penalties, late fees and negative reports would be appliedI asked them if they are now telling me that on DecI would be responsible for months of mortgage payments? They said that I wouldI stated that was never stated or even hinted at when this offer was made
Escrow analysis was completed on my property February 6th with a surplus of 7,to be refunded with DISBURSEMENT TO MORTGAGOR completed on February 7th On February 9th called to check status and see if they could direct deposit the funds into a chase checking account was told yes would be there in few days On February 21st funds were reabsorbed by Chase called and was given explanation account under review with no reason as to why Called back multiple times was told originally day SLA then then day SLA for ticket created Was given Monica U [redacted] as an escalation manger day ticket time frame has breached and still no update or refund on funds as of 3/14/over a month since original date of disbursement
I paid online mortgage on July 27th as to post for August 1st of this yearWhich would have made the payment on timeHowever, several days passed and the payment didn't postI called Chase and got the run around..first they couldn't see my posting, then the second person couldn't then the third person found it....couldn't explain why it was not posted..and put me on hold againI called again and again and after a good hour of my time wasted I was promised a return phone call and they would be able to tell me what happened and resolve it....This person [redacted] never called me back, but two other phone calls from Chase....neither fixing the problem and they wanted me to make a second payment...this could leave my bank account overdrawn with many bounced checks and other overdraft fee's........because they cannot fix or their mistake I will not make a second payment in lieu of having the problems mentioned aboveWhy should my credit report be affected by the incompetence of Chase mo
On or about October 1, I contacted Chase to acquire a home loan [redacted] was the loan mortgage Banker, and provided him all of the information that he requested by October 7, At that point he submitted the loan for processing, and I received a tentative approval on October 5, From that point on the processing of the loan appeared to be assigned to a loan processorAfter a month of no requests and no apparent progress I contacted and complained to [redacted] the mortgage managerFrom that point on I very little progress was madeI've made another complaint three weeks later with little or no progressAfter two months I contacted [redacted] again, and he reviewed the file and stated to me at least three times that they had dropped the ball on my loanHe informed me that at that time that if the loan was not closed by December I would be penalized and charged a higher rate than was originally quotedI have been in contact with him several times, and nev
Chase bank is incapable of accepting my mortgage payments and does not respond or make their services available via electronic communicationHave been trying since October to resolve Its its negligence or criminal activity
I filed bankruptcyChase gave me an amount to pay, which included back payments and fees, to make the loan currentI paid the amount in fullIn July I pay off my mortgageChase is trying to charge me fees again because of the bankruptcyI made a series of calls and have had many conversations with the customer centerOn or about March 17th, I had a conversation with Veronica C***, escalation managerShe verified, after checking with legal, that I in fact had paid all fees do to the bankWe agreed that I owe, and am willing to pay $to cover payments that were shortI did not request for Chase to make up the shortageThe shortage was approximately $that accumulated to $I requested an invoice so when I went to pay the bank would know the reason for the payment and I had a recordUpon requesting an invoice Donald M [redacted] on April 13, stated that Veronica was wrong and I owed more than $I requested an invoice and a delineation of what he spoke
I received a letter from Chase Home Equity company stating that for my last maturity payment, their records indicate that I still owe $3,for my equity loan My first maturity date was September but I extended my loan times which moved that date to March I do not agree with this amount because I paid the additional months as requested and my loan should have been paid in full as of March My loan was for payments and I paid payments to dateI requested copies of their statements and found that when I extended my loan and paid the extension fee my payment for the next month was posted only to interest instead of interest and principle I am disputing the over payments, partial payments,posting of my loan payments to interest, as well as some late payments Example: At the end of September when the October payment was due, I requested an extension I was asked to pay a dollar extension fee That amount does not show in your system as paid until
My name is [redacted] I purchased my home with Chase Mortgage address [redacted] ***, and I had to recently request an insurance claim due to the fact that my roof was damaged by a tornadoMy insurance company sent me a check for $7,that include my name and chase nameI have never experienced an insurance claim so I contacted someone at chase to see what the procedures wereThe girl told me that if I send the check in unsigned then chase could sign the check and send it back to me with no issues since the repairs were under $10,I did not know that the rules were different for delinquent accounts I am taking full responsibility for delinquent account and my intent is to keep my home I wasn?t told that me being delinquent was going to make them not sign my check or I would have waited until the account was current to send the check and that now they are going to only release 25% of the check to get the roof process startedMy contracto
I purchased home which was new construction The mortgage was originally held by [redacted] Mortgage who sold it within the first couple of months to Chase Mortgage There was an escrow account for taxes and insurance that transferred to Chase I was instructed to mail my tax bills to Chase which I did every time I received one When Chase did their escrow analysis they determined that there was an overage in the account and refunded the overage to me I contacted them at that time and explained that the original assessment which the taxes were based on was on the land only and that the reassessment would be done and all the amounts would go up They advised met that I had two options and that was to deposit the check into my personal account or use it to pay down my mortgage balance I asked about the escrow shortage that would occur once the house was reassessed and they told me that when they did the escrow analysis again that it would all be adjusted Following that I continued to
[redacted] Summary of actions of events between myself and JP Morgan/Chase Mortgage IJP Morgan/Chase bought my mortgage in Septof In April of I received notice from Chase that I had not paid my property taxes and that I should call them I called them by telephone and I told them that as a citizen of years old that I have a Deferral from the state of [redacted] and have had it for ten years aMy Deferral excuses me from paying my taxes until such time as I die or sell my house and that my taxes cannot be bought nor sold They asked me send them a copy of my Deferral which I did I was on vacation much of June and JulyWhen I arrived home there were several letters from ChaseThese letters insisted Chase was buying my taxes against my wishesAgain I called them to tell them that I have a DeferralThey told me that they do not "do" deferralsI called again later and after getting no
I've had a mortgage with Chase for approximately years I've never had a late payment and usually pay a month in advance with additional principal payments My mortgage includes several Block and Lots I pay my property taxes through an escrow account My main complaint is this: Over most of the life of the mortgage, Chase randomly chooses which property taxes it wants to pay but not all of the agreed property taxes listed on the escrow account I've called and tried to resolve this on many occasions and now know why this company had to be bailed out by the government They are terrible at anything financially related
I have been a chase customer for years as well as had my mortgage with Chase for those years My payments have NEVER been late, delinquent or even used the day grace period I refinanced my mortgage in October with [redacted] Home Loan in Phoenix, AZ and the loan closed on October and was recorded by title on October This I have no control over and I did my diligence through the entire process with signing forms and making myself available for a smooth process I have submitted a dispute through Chase on several occasions and it has always came back as no amendment needed It's not like I was a bad customer and this was a regular thing In fact I was told on my many calls that if it was done by October it wouldn't have been reported day, really????? The norm in the refinance business, as I have talked to different lenders trying to figure this out, is if the refinance closes by month end or before next payment is due then it is considered not delinquent and
The prospective buyers on our home went to see Mortgage Loan Officer Cedric B [redacted] the buyers told us that they gave him a check for $1,to be used as a deposit for the contract on our homeThe contract indicated that the check was delivered to *** ***The buyers backed out of the contract and *** *** says they have never received the checkMrB [redacted] is saying he does not have itI would like to know what happened to the $1,check
Hello, I purchased my house in [redacted] **, back in June Things went well at signingChase requested that I would pay impound tax + insurance of $704.63/month and they’ll pay the property taxes for me, to relieve heavy burden of semi-annual tax paymentsI agreed Chase collected $during closing cost + $from Aug 2016-Mar This equates to $ In Nov 2016, Chase only paid out $for the first installment of property taxChase did not pay the supplemental taxes of $I did not find out until Mar I asked them why they did not, they said they’re not obligated to, but they can pay as a one time courtesy, using my escrow money $9605.80, already set aside I had to pay the first supplemental property tax of $+ $penalty feeAnd the second installment property tax of $1206.97, while my money of $were stuck in escrow Chase only paid $1206.97, the first installment + $that I requested them to
Chase took over a loan for my property in [redacted] and they applied automatic withdrawn from my bank account without my permissionThe outcome was I paid my monthly payment twice several months in since I was not aware of the automatic chargeI asked Chase to return the extra payment I did for about $14,and they refused to do thatI asked them to show the document where I authorize the automatic payment and they don't have it
In early April 2016, in an attempt to refinance our home from a year to a year mortgage we contacted Karen W [redacted] at Chase for assistance as a repeat customerBased on verbal conversations, it was our understanding that this should be a 4-week processOn 4/11/we received a packet of documents with "MORTGAGE CONDITIONAL APPROVAL"In response to the packet, all required documents and supporting documents were submitted without delayOn 4/20/2016, an EFT was posted to our account in the amount of $to "CHASE HOME LEND RETAIL"Since then, we have continually been delayed from setting a closing date and have been requested to provide the same information on more than one occasionOn 7/27/we received a new LOAN ESTIMATE that indicated a rate lock until 7/26/at p.mThe notice was dated 7/22/On 7/29/2016, we received a letter dated 7/22/with a list of additional items that were required and would need to be provided by 8/5/Due to the ongoing
Chase paid our property taxes late which cased me interest and late fees Numerous phone calls later, I am nowhere We have our taxes in an escrow account Chase began paying our property taxes late (even though we had more than enough money in escrow) which cost me interest fees and penalties I made numerous phone calls to Chase (Jan5, 2018, Feb, 20, 2018, April 6, 2018, April 9, 2018, April 23, 2018) Unfortunately each time I call, I get someone new and no follow up as he/she promises Each time I call, I also receive conflicting information I am still waiting for an explanation as to why the payments were late and why my account is still not updated with the correct parcel number, etc I continue to get the run around from Chase and this is not right The funds are there and available I am unable to get any clarity from Chase as to why this is happening, nor are they being helpful in getting this taken care of They are keeping me in a blizzard of obscurity wit
I recently had a Mortgage with Chase from to April 2018- I was never late once on my Mortgage or my credit cards with Chase the account # was [redacted] I recently refinanced my home and the loan was supposed to be funded by March 15, when that did not happen on the I called to inquire if I should make my payment or if the could wait till the loan funded, I which time a very nice representative told me that she saw their was a transaction pending and I had been an excellent customer and told me she would waive the late fee and not too worry about making the payment Subsequently the loan funded April 4th at which time Chase took back the late fee in Escrow and reported a day late on my credit report which knocked my credit score down pointsI have written letters to the Credit Research department but they have not bothered to look into my claim and have sent me the sane form letter twice that the payment was late and that is thatThey have dismissed my request t
I received an [redacted] s from Chase on January 1, advising that my new payment would be $1,beginning on 02/01/ Fast forward to 04/01/and I make a payment for the amount of my statement/coupon in the amount of $1, A few days later, I receive a letter dated 04/18/stating that my mortgage payment was short $of it's "contractual amount" Please note that I've never received a contract letter stating that my monthly payment had increase and on top of that I made the payment based on my 04/01/statement with the attached coupon in the amount of $1, When, I tried calling Chase about this matter, I was given the run around and finally told by a "Senior Specialist" that they could not explain what was going on and they would look into the matterIt's been two weeks and still no call back In fact, the last person I spoke to said that my monthly payment would increase again on 06/01/due to interest rates but no one can explain w
In November 2016, Chase, our mortgage lender made an unauthorized withdrawl from our external checking account, after I previously scheduled our Novemeber monthly paymentOn November 23, 2016, I realized what happened and contacted them to have the unauthorized payment returned to our account, as there were overdraft fees associated with the withdrawl; the funds were returned to our account on November 25, I began the dispute process with my credit union for the overdraft fees on November 23rd, and the fees were later overturned by my credit union, as Chase had returned the funds When making our Decemeber payment, I noticed it showed that we still owed for November, so I contacted Chase and they advised, both payments were returned to our credit union accountI let them know that we only received one returned payment and they began to investigteOn December 9, our credit union provided us a provisional credit, for the dispute, but the funds have been on hold,
I really don't know what area to post this under, but I'll let you decide Chase Bank offered to customers affected by hurricane Harvey the option of deferring mortgage payments from September to December They said there would be no penalty, late fee or negative reports to the credit bureaus I accepted the offer and although my payment automatically paid on September 1, the bank reimbursed my payment within a week That, in my legal opinion, created a binding contractTwo parties agreed on a beginning and ending date and consideration (money) exchanged handsYesterday I was contacted by Chase to tell me that on December the account, and all accounts with deferred payments, must be made current or all the penalties, late fees and negative reports would be appliedI asked them if they are now telling me that on DecI would be responsible for months of mortgage payments? They said that I wouldI stated that was never stated or even hinted at when this offer was made
Escrow analysis was completed on my property February 6th with a surplus of 7,to be refunded with DISBURSEMENT TO MORTGAGOR completed on February 7th On February 9th called to check status and see if they could direct deposit the funds into a chase checking account was told yes would be there in few days On February 21st funds were reabsorbed by Chase called and was given explanation account under review with no reason as to why Called back multiple times was told originally day SLA then then day SLA for ticket created Was given Monica U [redacted] as an escalation manger day ticket time frame has breached and still no update or refund on funds as of 3/14/over a month since original date of disbursement
I paid online mortgage on July 27th as to post for August 1st of this yearWhich would have made the payment on timeHowever, several days passed and the payment didn't postI called Chase and got the run around..first they couldn't see my posting, then the second person couldn't then the third person found it....couldn't explain why it was not posted..and put me on hold againI called again and again and after a good hour of my time wasted I was promised a return phone call and they would be able to tell me what happened and resolve it....This person [redacted] never called me back, but two other phone calls from Chase....neither fixing the problem and they wanted me to make a second payment...this could leave my bank account overdrawn with many bounced checks and other overdraft fee's........because they cannot fix or their mistake I will not make a second payment in lieu of having the problems mentioned aboveWhy should my credit report be affected by the incompetence of Chase mo
On or about October 1, I contacted Chase to acquire a home loan [redacted] was the loan mortgage Banker, and provided him all of the information that he requested by October 7, At that point he submitted the loan for processing, and I received a tentative approval on October 5, From that point on the processing of the loan appeared to be assigned to a loan processorAfter a month of no requests and no apparent progress I contacted and complained to [redacted] the mortgage managerFrom that point on I very little progress was madeI've made another complaint three weeks later with little or no progressAfter two months I contacted [redacted] again, and he reviewed the file and stated to me at least three times that they had dropped the ball on my loanHe informed me that at that time that if the loan was not closed by December I would be penalized and charged a higher rate than was originally quotedI have been in contact with him several times, and nev
Chase bank is incapable of accepting my mortgage payments and does not respond or make their services available via electronic communicationHave been trying since October to resolve Its its negligence or criminal activity
I filed bankruptcyChase gave me an amount to pay, which included back payments and fees, to make the loan currentI paid the amount in fullIn July I pay off my mortgageChase is trying to charge me fees again because of the bankruptcyI made a series of calls and have had many conversations with the customer centerOn or about March 17th, I had a conversation with Veronica C***, escalation managerShe verified, after checking with legal, that I in fact had paid all fees do to the bankWe agreed that I owe, and am willing to pay $to cover payments that were shortI did not request for Chase to make up the shortageThe shortage was approximately $that accumulated to $I requested an invoice so when I went to pay the bank would know the reason for the payment and I had a recordUpon requesting an invoice Donald M [redacted] on April 13, stated that Veronica was wrong and I owed more than $I requested an invoice and a delineation of what he spoke
I received a letter from Chase Home Equity company stating that for my last maturity payment, their records indicate that I still owe $3,for my equity loan My first maturity date was September but I extended my loan times which moved that date to March I do not agree with this amount because I paid the additional months as requested and my loan should have been paid in full as of March My loan was for payments and I paid payments to dateI requested copies of their statements and found that when I extended my loan and paid the extension fee my payment for the next month was posted only to interest instead of interest and principle I am disputing the over payments, partial payments,posting of my loan payments to interest, as well as some late payments Example: At the end of September when the October payment was due, I requested an extension I was asked to pay a dollar extension fee That amount does not show in your system as paid until
My name is [redacted] I purchased my home with Chase Mortgage address [redacted] ***, and I had to recently request an insurance claim due to the fact that my roof was damaged by a tornadoMy insurance company sent me a check for $7,that include my name and chase nameI have never experienced an insurance claim so I contacted someone at chase to see what the procedures wereThe girl told me that if I send the check in unsigned then chase could sign the check and send it back to me with no issues since the repairs were under $10,I did not know that the rules were different for delinquent accounts I am taking full responsibility for delinquent account and my intent is to keep my home I wasn?t told that me being delinquent was going to make them not sign my check or I would have waited until the account was current to send the check and that now they are going to only release 25% of the check to get the roof process startedMy contracto
I purchased home which was new construction The mortgage was originally held by [redacted] Mortgage who sold it within the first couple of months to Chase Mortgage There was an escrow account for taxes and insurance that transferred to Chase I was instructed to mail my tax bills to Chase which I did every time I received one When Chase did their escrow analysis they determined that there was an overage in the account and refunded the overage to me I contacted them at that time and explained that the original assessment which the taxes were based on was on the land only and that the reassessment would be done and all the amounts would go up They advised met that I had two options and that was to deposit the check into my personal account or use it to pay down my mortgage balance I asked about the escrow shortage that would occur once the house was reassessed and they told me that when they did the escrow analysis again that it would all be adjusted Following that I continued to
[redacted] Summary of actions of events between myself and JP Morgan/Chase Mortgage IJP Morgan/Chase bought my mortgage in Septof In April of I received notice from Chase that I had not paid my property taxes and that I should call them I called them by telephone and I told them that as a citizen of years old that I have a Deferral from the state of [redacted] and have had it for ten years aMy Deferral excuses me from paying my taxes until such time as I die or sell my house and that my taxes cannot be bought nor sold They asked me send them a copy of my Deferral which I did I was on vacation much of June and JulyWhen I arrived home there were several letters from ChaseThese letters insisted Chase was buying my taxes against my wishesAgain I called them to tell them that I have a DeferralThey told me that they do not "do" deferralsI called again later and after getting no
I've had a mortgage with Chase for approximately years I've never had a late payment and usually pay a month in advance with additional principal payments My mortgage includes several Block and Lots I pay my property taxes through an escrow account My main complaint is this: Over most of the life of the mortgage, Chase randomly chooses which property taxes it wants to pay but not all of the agreed property taxes listed on the escrow account I've called and tried to resolve this on many occasions and now know why this company had to be bailed out by the government They are terrible at anything financially related
I have been a chase customer for years as well as had my mortgage with Chase for those years My payments have NEVER been late, delinquent or even used the day grace period I refinanced my mortgage in October with [redacted] Home Loan in Phoenix, AZ and the loan closed on October and was recorded by title on October This I have no control over and I did my diligence through the entire process with signing forms and making myself available for a smooth process I have submitted a dispute through Chase on several occasions and it has always came back as no amendment needed It's not like I was a bad customer and this was a regular thing In fact I was told on my many calls that if it was done by October it wouldn't have been reported day, really????? The norm in the refinance business, as I have talked to different lenders trying to figure this out, is if the refinance closes by month end or before next payment is due then it is considered not delinquent and
The prospective buyers on our home went to see Mortgage Loan Officer Cedric B [redacted] the buyers told us that they gave him a check for $1,to be used as a deposit for the contract on our homeThe contract indicated that the check was delivered to *** ***The buyers backed out of the contract and *** *** says they have never received the checkMrB [redacted] is saying he does not have itI would like to know what happened to the $1,check
Hello, I purchased my house in [redacted] **, back in June Things went well at signingChase requested that I would pay impound tax + insurance of $704.63/month and they’ll pay the property taxes for me, to relieve heavy burden of semi-annual tax paymentsI agreed Chase collected $during closing cost + $from Aug 2016-Mar This equates to $ In Nov 2016, Chase only paid out $for the first installment of property taxChase did not pay the supplemental taxes of $I did not find out until Mar I asked them why they did not, they said they’re not obligated to, but they can pay as a one time courtesy, using my escrow money $9605.80, already set aside I had to pay the first supplemental property tax of $+ $penalty feeAnd the second installment property tax of $1206.97, while my money of $were stuck in escrow Chase only paid $1206.97, the first installment + $that I requested them to
Chase took over a loan for my property in [redacted] and they applied automatic withdrawn from my bank account without my permissionThe outcome was I paid my monthly payment twice several months in since I was not aware of the automatic chargeI asked Chase to return the extra payment I did for about $14,and they refused to do thatI asked them to show the document where I authorize the automatic payment and they don't have it
In early April 2016, in an attempt to refinance our home from a year to a year mortgage we contacted Karen W [redacted] at Chase for assistance as a repeat customerBased on verbal conversations, it was our understanding that this should be a 4-week processOn 4/11/we received a packet of documents with "MORTGAGE CONDITIONAL APPROVAL"In response to the packet, all required documents and supporting documents were submitted without delayOn 4/20/2016, an EFT was posted to our account in the amount of $to "CHASE HOME LEND RETAIL"Since then, we have continually been delayed from setting a closing date and have been requested to provide the same information on more than one occasionOn 7/27/we received a new LOAN ESTIMATE that indicated a rate lock until 7/26/at p.mThe notice was dated 7/22/On 7/29/2016, we received a letter dated 7/22/with a list of additional items that were required and would need to be provided by 8/5/Due to the ongoing
Chase paid our property taxes late which cased me interest and late fees Numerous phone calls later, I am nowhere We have our taxes in an escrow account Chase began paying our property taxes late (even though we had more than enough money in escrow) which cost me interest fees and penalties I made numerous phone calls to Chase (Jan5, 2018, Feb, 20, 2018, April 6, 2018, April 9, 2018, April 23, 2018) Unfortunately each time I call, I get someone new and no follow up as he/she promises Each time I call, I also receive conflicting information I am still waiting for an explanation as to why the payments were late and why my account is still not updated with the correct parcel number, etc I continue to get the run around from Chase and this is not right The funds are there and available I am unable to get any clarity from Chase as to why this is happening, nor are they being helpful in getting this taken care of They are keeping me in a blizzard of obscurity wit
I recently had a Mortgage with Chase from to April 2018- I was never late once on my Mortgage or my credit cards with Chase the account # was [redacted] I recently refinanced my home and the loan was supposed to be funded by March 15, when that did not happen on the I called to inquire if I should make my payment or if the could wait till the loan funded, I which time a very nice representative told me that she saw their was a transaction pending and I had been an excellent customer and told me she would waive the late fee and not too worry about making the payment Subsequently the loan funded April 4th at which time Chase took back the late fee in Escrow and reported a day late on my credit report which knocked my credit score down pointsI have written letters to the Credit Research department but they have not bothered to look into my claim and have sent me the sane form letter twice that the payment was late and that is thatThey have dismissed my request t
I received an [redacted] s from Chase on January 1, advising that my new payment would be $1,beginning on 02/01/ Fast forward to 04/01/and I make a payment for the amount of my statement/coupon in the amount of $1, A few days later, I receive a letter dated 04/18/stating that my mortgage payment was short $of it's "contractual amount" Please note that I've never received a contract letter stating that my monthly payment had increase and on top of that I made the payment based on my 04/01/statement with the attached coupon in the amount of $1, When, I tried calling Chase about this matter, I was given the run around and finally told by a "Senior Specialist" that they could not explain what was going on and they would look into the matterIt's been two weeks and still no call back In fact, the last person I spoke to said that my monthly payment would increase again on 06/01/due to interest rates but no one can explain w
In November 2016, Chase, our mortgage lender made an unauthorized withdrawl from our external checking account, after I previously scheduled our Novemeber monthly paymentOn November 23, 2016, I realized what happened and contacted them to have the unauthorized payment returned to our account, as there were overdraft fees associated with the withdrawl; the funds were returned to our account on November 25, I began the dispute process with my credit union for the overdraft fees on November 23rd, and the fees were later overturned by my credit union, as Chase had returned the funds When making our Decemeber payment, I noticed it showed that we still owed for November, so I contacted Chase and they advised, both payments were returned to our credit union accountI let them know that we only received one returned payment and they began to investigteOn December 9, our credit union provided us a provisional credit, for the dispute, but the funds have been on hold,