JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Florida

CHASE took over servicing my mortgage loan from - in - 2015. I originally set up the drafting of my payment for the - of the month when I refinanced with -, authorized by me on - of - 's loan closing papers. There were no problems with - servicing of my loan. When CHASE took over in - 2015, it drafted my payment on the - of - and - ; and, according to CHASE, this was done based on - records that CHASE had. I asked CHASE if it was looking at the document I executed as part of my loan closing papers ; and, CHASE said no, that it was looking at - account record of drafts. I believe that - is a " secondary bank, '' ( similar to federal credit unions ) and that in order for it to receive my payment on the - or thereafter, it would draft it on the - of the month - which would not be get to my bank to be deducted until no earlier than the -. CHASE is not a " secondary bank '' and when it drafts the funds on the - ; it is


not looking at the document ( actual or copy ) that I executed ; only - account history. I have spent many hours on the phone with CHASE and - - ( my bank ) in conference calls and CHASE has yet to get it correct. Now CHASE says it " can not '' draft the funds from my account unless I sign one of its forms and submit to them. I asked them then how is it that CHASE drafted the payments from my account in - and - ; to which they did not have an answer. I now have to make my payment via phone every month because CHASE refuses to honor the original documentation they say they do n't have from -. Gee, what documents does CHASE have regarding my loan? I am totally frustrated with CHASE and its refusal to get it corrected, putting the burden on me to fix it. CHASE and - - have removed all fees regarding this snafu because both banks acknowledge the errors were not my fault. Yet I still have had to spend hours on the phone explaining the same situation to more than - people ; and, I still have to make the payments via phone every month from now on because CHASE refuses to honor the original document I executed. I did not switch services ; - and CHASE did and I am paying the price. Please help! P.S. Prior to CHASE taking over my loan servicing, it never asked or told me that I would have to execute any new document attributable to its taking over servicing - mortgages.