JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Conventional adjustable mortgage (ARM) Loan servicing, payments, escrow account Alabama

In - - I modified my mortgage. Written into the modification was a buyers incentive. " If your make your monthly mortgage payments on time, you will accrue a monthly benefit equal to $83.00. This amount will be applied yearly at the anniversary of your trial period plan, for 5 years. If at anytime during this 5 year period the loan becomes - or more full monthly payments past due, you will lose this benefit. This includes the loss of any accrued but unapplied principal reduction benefits and the eligibility to accrue additional principal benefits, even if you bring your mortgage up to date later on. '' My anniversary for this modification was - -. In - 2015 I missed a payment because my mother passed away and I had arrangements that needed to be made. My payments were made every month there after.


on -. In - I received - statements from Chase. The first was dated - due - which I owed $1000.00 with $2000.00 past due. - which I assume was because the - payment was late ). On - I received a revised statement stating that $1000.00 was due on - and - was past due, so the - payment was credited and I was again - payment behind. My - payment was made on - for - but was not processed until -. That payment was returned NSF due to a - reconciliation error. Still at this point I should have been behind only - payments and my - payment was due. - - was the maturity date on my modification and the $660.00 that I had occrued should have been payable by Chase as I was less than - payments late because I had paid extra on many payments to catch up with the - and make a full payment.. Chase sold the mortgage to - who claims that I have - in suspense. Chase will not credit me my the $660.00. Another payment was made to Chase in - - it was late but made - for $1100.00 and my - and the returned payment have been sent -. And all that should be due is the original late payment and my current payment. I tried to discuss this on the phone with Chase yesterday and they were just rude and unwilling to listen. Could you please help me? I have been counting on that $660.00 with the balance I have in suspense to make up the missed payment. Plus I am unsure what the $260.00 charge is from - and I can not get a response from them either other than charges to transfer my loan which I do n't understand why I am paying for Chase to sell my loan. Sincerely, - - -. - - - - - -, AL -