JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Mississippi

We sold our house in - of 2015. We used an attorney, - - ( - - - ), to close our loan. He ordered a payoff, and we closed on our house on - -, 2015. A wire transfer was initiated by the - - - on - -, 2015 using the - - - System for the full payoff amount - per the closing attorney. We called Chase to inform them we were selling the house prior to closing. We asked them to note the sale on the account so we would have no negative marks on our credit. A Chase representative said this would not be an issue. We called Chase on - -, 2015 to confirm the payoff was being processed. A Chase representative told us it was listed as pending '', and it usually takes a day or - for the process to finalize. I pulled our Chase accounts on - -, 2015. I noticed the account was still listed under us. We called Chase again to see what was going on with our account and why it was


pending '', and it was set to be paid off on - -, 2015. On - -, 2015 we received a delinquency notice from Chase in the mail. We again called Chase to discuss our account. At this time, a representative told us that nothing was showing up for a payoff. We again explained our situation, and we told Chase we would be in contact with our closing attorney the following morning. We spoke to - -, our closing attorney, at - - on - -, 2015. He said he would look into the matter. He called us back around lunch, and told us they had wired the payoff, but it timed out for some reason. We told him he needed to fix it. He got a new payoff, and immediately wired the new payoff amount required by Chase. He said he would eat the cost in interest for those days, because it was his responsibility. We called Chase again on - -, 2015 and we got the same response. Chase said it was showing up as pending ''. Remember, they told us the pending '' story on - prior occasions. We had to get extremely ugly with the Chase representatives to simply get a confirmation of a complete payoff and a zero balance. They finally gave us this confirmation, and the representative also told us Chase owed us a little over $900.00 for the remaining money in escrow. Again, we inquired about our credit. We told chase we want that edited and taken off our credit history. The Chase representative told us to get the closing attorney to send a letter into Chase explaining what happened. The representative said they would take it from there, and it would be removed. - - faxed this letter, along with a copy of the HUD 1 closing documents signed by all parties. He emailed a confirmation to me with all of the attached documents as well. During this conversation, we asked about the wire. We were told by the Chase representatives that the wire was denied by Chase because the full amount was not included. We, as account holders, were not notified and neither was the closing attorney. On - -, 2015, I checked our credit score. Our score has dropped - points because of the delinquency posted by Chase. We called Chase, yet again, last night - - -, 2015. We went through several parties, and we had to get very ugly with the representatives to get any help at all. First, the Chase representative said the fax from the attorney could n't be read. I offered to send her a copy, and she responded by telling me they do n't have email. In the end, she lied. She read the entire document to me later in the conversation. She also told us that neither the attorney 's letter nor the HUD 1 did any good, because it did n't prove a wire was sent on - -, 2015. Let 's not forget that CHASE told us the wire was denied on - -. They have a record of the wire being attempted.