CHASE (JPMORGAN) COMPLAINT:
Submitted: November
2014
Reported By: dlib in USA
I am in the same boat as the lady listed above. I
paid 2,000.00 to my mortgage and chase has been unable to help me. I have sent
them copies of my bank statements and told several times by different chase
employees that they can see my mortgage was paid to a different account. There
was supposed to be a reversal from someone else's account to mine, but instead
chase closed the request and didn't notify me. I got a notice in the mail and
called them back to find out the request had been closed. I opened a new
request and sent more bank statements and a new case was opened, but they
opened the wrong kind of case. I called again today and had to be told I had to
start over from the beginning and it would be another 5-7 days. I have told
many reps there that 5-7 days is unacceptable and that I'm very frustrated but
nobody seems to care. None of them will give me a direct number, and like the
lady above-every time I call they give me a full speech about losing my home
and ask what the condition of my home is, I am stressed out and loosing sleep
like crazy and nobody there seems to care. I finally contacted my original
lender through first mariner mortgage and asked him for advice, he said you
could report lenders to www.consumerfinance.gov, on the first page you can
submit a complaint-he says this will "stir things up". Good luck to
all of you,
(Prior
Complaint Posted for Reference Only)
I have several complaints; recently I received a
letter stating that I'm in default. Over 8 years of on time payments and now I
am two behind. Some confusing facts about chase, they mail their tax info with
there payment stub, hence one late, also they do not generate a new payment
until they receive prior months payment, hence second late. Then they will
generate two letters, the statement comes showing two late payments, and a
default letter then comes. Returning the payment as soon as I realized the
mistake, beating the second letter to my home. I called chase and couldn’t find
anyone to talk to, suggestion use 0 to get a live body on other end even if
cold, rude and despondent. I believe Debbie said my payment made it in on time;
I will let you know how many charges I receive. The second complaint, I hold a
home equity account with them, they can generate massive amounts of charges
with this account. Several years ago I went to an outside mortgage company to
refinance this account, they stated that it would be a no fee loan, I told them
I DID NOT WANT CHASE TO HOLD THIS. Guess who holds this loan now, the loan then
cost me 3000 dollars to complete. So basically paying chase 6000 for the same
loan. The second loan was for 60000, the first was for 30000 and that is when
this became interesting, I received a letter from chase that my loan had been
reduced to 32000, and I was not reimbursed anything on the closing costs. I
believe this would be considered theft in most cases. I am currently pursuing
legal action against chase. My suggestion is to not use a chase product, I know
that is easy to say and hard to do since they are a mega bank. Maybe they will
use my 3000 dollars to contribute to Vice President Joseph R. Biden’s campaign
(Wikipedia) funding. Our government is in bed with this bank.
END
CONSULTING ADVICE:
While I find it downright criminal that JPMorgan
Chase and other mortgage servicers routinely engage in unfair and abusive, if
not illegal, business practices; rectifying these issues are extremely easy if
you do two things:
1. Assert
your consumer rights using a QWR
2. File
a complaint with the appropriate regulatory and government agencies that
enforce your rights
We routinely look for posts to answer in hopes
that it will not only bring optimism to those homeowners and borrowers in
distress but also some basic information to assist in fighting the banks like
Chase that are "too big to fail" but yet don't appreciate the bailout
that we provided in their time of need. The debt collectors like SPS,
SLS, Green Tree, Ocwen and Nationstar are simply just piranhas but they can be
beat at their own game too just like the big banks can be defeated. You
CAN win this fight!!!
Thank you for shedding light for homeowners and
borrowers in your situation with regard to the fact those consumers can go to
the CFPB (www.consumerfinance.gov)
to file a complaint. With that said, you
have overlooked the key aspect to your fight, which is putting your objections
in writing in the form of a proper QWR
and attaching proof of your consumer and constitutional rights; they have
certainly been violated in this case since Chase has not only refused payment
but also lied about the status of your payment.
A QWR is an integral tool in getting what you
desire and all of the aforementioned mortgage lending and debt collection
companies MUST answer your Qualified Written Requests (QWR); if they refuse then
you take your fight to all the regulatory agencies outside of SPS that assist
in fighting for your rights like the CFPB; it’s a shame that these more than
profitable and previously bailed-out companies engage in this type of consumer
abuse.
My firm and me would be more than happy to educate
you as to how to fight for your rights. My firm routinely seeks out complaints
online so that we can educate as to how to fight back on our weekday show
called "The
Daily Complaint” where we review a complaint and how to tackle it
successfully.
We reviewed your complaint on the show if you
would like to listen, visit www.TheDailyComplaint.com
In the event you have further questions, you can
contact me via email at Dana@ConsultingEND.com or via the website at
www.ConsultingEND.com or via phone (my full contact information is below) as me
and my staff would be more than happy to contact Chase on your behalf or with
you to determine the status of your loan as well as what options exist for you
as a borrower/homeowner!
Every new beginning comes from some other
beginning's END
Respectfully,
Dana Shafman
Managing Member
END Consulting
(888) 234-7006 Ext 101
