JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Conventional fixed mortgage Settlement process and costs New Jersey

Dear Consumer Financial Protection Bureau, JP Morgan Chase Bank , N.A . together with its ' representatives - -, - -, and - - attempt to steer husband and wife away from the benefits of the - - Harp Re-Finance Program and the 60 day, 4 % signed Lock-In Agreement dated - -, 2015 by the delay in service, the delay of a well-timed Close '', the entry to record of an errored appraisal, the withhold of information by not providing the disclosures of the Good Faith Estimate Settlement of Charges in a timely manner ; and the withhold of information by not providing the disclosures of the Truth in Lending Statement in a timely manner. As a result, we write this complaint to the CFPB against JP Morgan Chase Bank N.A . together with its representatives - -, - -, and - -. Herewith are the details : On - - 2015, we verbally began the process to enter into the - -


is entered into the record which indicates the address of interest has a fourth illegal unit and kitchen. This is false information because the fourth floor does not exist. Though the 60 day, 4 % Lock-In Agreement is dated - -, 2015, JP Morgan Chase Bank , N.A . Representative - - did not email the document until - -, 2015 ; delay in service. In response to the - -, 2015 email from JP Morgan Chase Bank N.A . representative - -, on - - we signed and returned by email the 60 day, 4 % Lock-In Agreement dated - -, 2015 together with the additional documents requested. Meanwhile, we did not hear from JP Morgan Chase Bank N.A . representatives - -, - -, or - - until - -, 2015 ; delay of a well-timed close. Lastly, on - -, 2015, we received from JP Morgan Chase Bank , N.A . Representatives - -, - -, and - - an Approval Letter '' that is a Counter Offer '' at the increased interest rate of 4.125 % ( 4.5 % APR ), even though the 60 day, 4 % - -, 2015 Lock-In Agreement remained in place ; delay in service. Finally, without the disclosures of the Good Faith Estimate Settlement of Charges and without the disclosure of the Truth in Lending Statement, is an attempt by JP Morgan Chase Bank NA Representatives - -, - -, and - - to withhold information and prevent a timely close. In conclusion, we wish to:1. Complete and finalize the - - HARP Re-Finance Program ; ( attached ) 2. Secondly, to maintain the 60 day, Lock-In Agreement dated - -, 2015 at the interest rate of 4.0 % ; ( attached ) 3. Thirdly, to Close '' on or before the end of business day of - -, 2015 because the 60 day, 4 % - - of - -, 2015 has the expiration date of - -, 2015 ; -. Fourthly, because of the delay in service, we expect an extension of the 60 day, 4 % - -, 2015 Lock-In Agreement if the - -, 2015 date of close can not be met. 5. Lastly, we again request and seek the disclosure of the Good Faith Estimate Settlement of Charges document, never issued but, requested by email on - -, 2015 ; 6. Finally, we again request and seek the disclosure of the Truth in Lending Disclosure Statement never issued but, requested on - -, 2015. ( attached ). 7. Equally important, we seek a correction of the - -, 2015 error appraisal provided by - - , -, Appraiser - -, and hired by JP Morgan Chase Bank N.A.. ( error page attached )