JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Louisiana

Last fall I began the process of being qualified to receive relief in my mortgage payments via the HARP Program with Chase Bank. There was a steady flow of information back and forth but what made it tough was that every 3 to 4 weeks I was assigned to a different Account Assistant. I seldom talked to the same person twice. So everything had to be repeated numerous times. Finally I was informed that I qualified for Harp relief by - -, who told me to keep paying and not to get behind while the agreement was being finalized. I was told that my mortgage payment was being changed from $1700.00 to $970.00. I sent this in on a timely basis. In the midst of this - - was removed as my assistant but I was not aware of the change - no one called. Then I got messages from someone from a collection group saying that I was expected to pay $1700.00 and the $970.00 could not be applied to my mortgage. I explained that there was an error and I was now under a different plan. Well l was charged $69.00 late fee. I protested. My case was


pay $69.00. In the meantime I had paid another payment of $970.00. I was told by the manager that I would be refunded the $69.00 which did occur. The manager told me that even though my payments were reduced to $970.00 and even though I did not have to pay the late fee but if I stayed in Harp every month my credit score would be challenged by a late payment. I did not accept this. I immediately sent Chase a check for $3400.00 to cover the - reduced payments and to keep my account current and to stay out of Harp. I asked Chase to remove the penalty statements from all of the credit bureaus so that my credit rating would not be adversely effected. Chase refused. I am insisting that Chase does the honest and right thing which is to inform each of the credit bureaus that I did not have a late payment. Chase should send me a letter confirming this.