JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Other mortgage Loan servicing, payments, escrow account Florida

- -My goal in this complaint is for Chase to correct our credit report and undo, or at least prevent further damage to our credit. As you can see they say were late on our payments in -/-/-, and we never were. The proof of this is that we were credited with - $5000.00 principal reductions for never being late on our payments since we entered the TARP program in -/-/-. In -/-/- after struggling with under and unemployment for over a year, I was unable to meet my financial obligations under my mortgage. About a week before my payment was due ( I must make my payment on or before the - of the month ), I knew I was n't going to be able to make the entire $1600.00 payment. I had heard about President Obama 's program and followed a link on the Chase web site, which led me to an office called the " - - - ''. My wife and I spoke with a man named


but it turns out that the program he represented was not the Federal program but rather a Chase internal program. It was extremely difficult to get a straight answer out of anyone. We thus began our troubled interaction with Chase and it 's plethora of contractors and divisions. We were on time for the - payment and per the instructions of - - we were late on our - payment but the next month, -/-/-, when I received my tax refund I paid two months payments, Later that month, in order to qualify for the TARP program I had to make a - payment. In order to do this I had to borrow money at 10 % per week rate of interest. I scrupulously followed the rules of the program and Chase never acknowledged this. I sent in my completed form for Phase one and it was returned executed by Chase. We had marked it up to correct a typo and to change payment due dates per our conversation with a " Chase '' representative. The reason I put Chase in quotes is that we spoke to so many people from so many entities claiming to be Chase that seemed to have no contact with each other that we could never be sure whom we were speaking with. Chase executed this agreement without comment. It took Chase almost a month to sign the Phase one agreement after we did, and another month to return it to us so we knew to expect very slow responses from them. Letters telling us we were in foreclosure and phone calls demanding payment constantly harassed us despite our constantly calling and saying we were in the program. We made payments as agreed and in -/-/-, when we received the Phase two paper work we signed it, but we also noted that we disputed some the charges as they seemed to have been levied after -/-/-, the effective date of the agreement from Phase 1. The note in question said : '' This amount reflects interest and other charges accrued after -/-/-Since this was supposed to be, per contractual agreement with Chase, the effective date of this agreement, we dispute these charges validity. '' We initialed and dated our comments. We did not cross out our or modify the amount and signed the agreement. For the next several months we heard nothing from Chase except the usual non-stop stream of foreclosure and by - we grew concerned and asked what the problem was. We began to receive a series of letters saying one or both of us had failed to either clearly sign or date the original Phase - form. This, as can be seen from the enclosed is untrue, We sent in another copy of the signed paperwork, this time without the note as we had resigned ourselves to the fact that Chase would never give us a straight answer or live up to their part of the bargain.