JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Florida

I was approached by Chase, which is my current mortgage company to refinance my mortgage loan. I was sent the paperwork to sign. The document package stated that it was time sensitive ; stating the signed Authorizations to Disclose Information documents should be return by -/-/- 2015 ; the stated expiration date being - - 2015. However, I had not received these document until - -. These were signed and shipped in the pre-paid envelope provided on Friday - -. Additionally, Chase required certificates of insurance for flood and property. When I spoke with the designated Mortgage Banker - - - - by telephone call - located in -, AZ -, I informed her that I would require an email address, since I did not have a fax machine. She stated that she would provide that shortly because she had to send me additional paperwork. I never received any emails from - -. I spoke with her again to request an email address in order to submit the COIs and any other documentation. I also informed her that I had never received any paperwork from her. She stated that she had sent me many emails. At which time I reviewed


COIs were pending her email information, which - - never provided. And as per the Chase document, the expiration date -/-/-. Chase sent a follow up letter dated - - 2015. It states that Unfortunately, we could n't approve the loan because we did n't receive the additional information we requested. As a result, we cancelled your application. Based on the way this was handled by Chase and - -, there is no reason for Chase to approve this loan. Since it is not in their best interest, the interest rate would drop.