JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Virginia

I called Chase to find out if I could move my due date. The guy I spoke with was very nice, he told me I could not change my due date but what he could do was set up payment arrangements to avoid that - $ late fee. I owe - $ a month and was paying $1000.00 every month before the end of the month, it was just after the - of the month causing me to have a - $ late fee. I was n't too worried about the late fee, just did n't like being late due to the way my paychecks fell. He proposed that I not pay - to give me time to save up the extra payment then for the next 6 months pay - $ that would end up covering the missed payment in - and my payments would not be due till the -. That sounded great. I said sure. I received an agreement in the mail that said no need to respond to continue on about this payment plan just make the payments as follows. I did and I paid the - $ on time like i was supposed to do.


making - payment. I was really really upset! Had I known this would effect my credit I would have continued to pay the - $ late fee. That was n't bothering me!! I paid up my mortgage to get out of this plan and so it would not be turned into the credit burrow anymore. I spoke with a representative who said he would look into this. He called me back and said unfortunately they can not do anything to fix what had been turned into the credit burrow, he could however send me a letter saying I am up to date. That does not fix my credit! That also does not matter to anyone trying to give me a loan! I have never missed a payment until I was told NOT to pay -. There is no way to go back and change this now, I would have never agreed to this payment arrangement that would save me - $ a month but ruin my credit.