JPMorgan Chase & Co. Mortgage Complaint

JPMorgan Chase & Co. Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting Pennsylvania

I called Chase to refinance our mortgage since they currently held our existing mortgage. I received a rate of 3.875 % with no points. We started to receive paperwork, the initial disclosure documents the following week. The documents had 0.25 % discount points. I spoke with the loan officer who stated that the documents had to be signed to move forward as well as the discount points to be removed. As then process proceeded, I was told that the points were removed and showed - in the system. The week before closing, we were provided disclosure documents again with the discount points still listed. It was n't until the night before closing that the banker called back ( not loan officer ) because I wanted to postpone the closing due to this discrepancy. At this point we were told that the points had to be added because our appraisal came back lower than expected. We were informed that we could dispute the appraisal if we felt it was necessary but we did n't because we were never told that it could affect our rate or mortgage. Even though the appraisal was lower than expected, the mortgage was only - % of the value of the house. Plus we both had credit ratings above -. Our appraisal should not have affected the rate. We were never given any documentation stating the discount points were removed or increased for any reason.