JPMorgan Chase & Co. Mortgage Complaint

JPMorgan Chase & Co. Mortgage department,

Conventional fixed mortgage Settlement process and costs California

This is in regard to the latest ( refinance ) of home loan with CHASE Bank, which was closed on - 2015. Loan # -. During the course of re-finance process, Chase had closed my prior MOrtagage with -Bank and HELOC as well. It has come to knowledge that - Bank has charged $500.00, penalty, for pre-closing the HELOC. I was told that Chase ( Mortgage ) has opted to pay in full and close this account and hence is the pre-closure penalty. Why was this penalty made aware to Me? I mean this penalty is not a choice form me? Chase Bank did not give me the choice and went ahead paying closing amount mentioned by -Bank, resulting in pre-closing penality of $500.00 to me. I was not aware ( and not educated ) of this penalty, which could be averted by just not closing, instead paying the amount in full. Per our tele conversation to Chase Loan Manager ( - - ), to my dismay, I was not convinced the replies I have got from the bank. It is almost prejudged that the penalty has to be paid from the customer ( who had no action but to pay the penalty. ). As customer of seeking re-finance from Chase was not a happy -, lacking transparency. It was unilateral actions from the bank that caused the penalty, without customer 's knowledge. This is complaint, that I would like to begin filing to Consumer Forum.