JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Florida

My mortgage was sold to Chase approximately 15 years ago, and I have had nothing but issues with them since. First, my home was hit by a hurricane in 2004, and Chase held up insurance payments to me during rehab of the property, causing me to pay subs out of pocket, and waiting for months to be reimbursed. I know that was not the intent of the law that sends insurance payments to the lien holder. They only have one department that handles these disasters, and they are located in California, with no concept of hurricanes. Now, every year for the last five years, I get a threatening letter with regards to flood insurance. I pay the flood insurance, and have for the last 25 years, on the due date. Their corporate policy automatically sends the threatening letter out if they have not received the renewal by the due date. There is a reason it is called a due date, it is not due before then. Their policy places a unfair burden on the consumer, even though the consumer is in compliance. In discussing the issue with them, I was informed to pay the flood insurance before it is due. I have done that in the past, and I still get the letter, so I assume it is harassment because I would not refinance with them. The reason I will not refinance with them is because of these corporate policies. I 'm looking to refinance with local credit unions so I can get good customer service instead of harassment.