JPMorgan Chase & Co. Mortgage Complaint

JPMorgan Chase & Co. Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Tennessee

I refinanced my mortgage last year and the mortgage was resold to Chase Mortgage. I now have 10 payments that have been misapplied. All 10 of these payments were made by check with written instructions on the check and with an attached mortgage coupon with written instructions duplicated on the mortgage coupon. My mortgage is a conventional mortgage and the governing deed of trust is a standard - form. Chase is not following the processes set forth in the deed of trust. I would be happy if the standard language in the - form were to be followed as it would have the same results as the written instructions that are not being followed. It is my understanding that Chase can only set rules about how they apply payments if I am late on my payments. I have never been late on a payment and some of my communications have been to get them to apply payments correctly before my due date. Chase keeps telling me that it is my responsibility to tell them when they need to make a correction, but the misapplied payments are routine and regular ( they have never gotten a single payment applied correctly ). I have approx. 30 contacts and communications with Chase mortgage and still have no resolution.