JPMorgan Chase & Co. Mortgage Complaint

JPMorgan Chase & Co. Mortgage department,

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

I attempted to pay off a mortgage loan with Chase. The loan number is -. I sent - personal checks to Chase to pay off the loan. - was for $13.00 and the other for $41000.00. Chase should have received these checks on - -, 2016. On - - I called my bank to determine if the Chase checks had cleared and found out the smaller of the - checks had been paid by my bank. I called Chase to determine why the larger check had not been presented for payment and was informed since this was a pay off they needed a cashier 's check. I then went to a Chase branch here in - to see if they could assist me in getting Chase to present the check to my bank and the Chase brance was told a cashier 's check was needed. When I first talked with Chase I was also ; told Chase would mail back tome the larger check and the Chase employee at the - branch was told the same. I then went to my bank and obtained a cashier 's check and took it back to the Chase branch in ; - and


I obtained the cashier 's check. I then called Chase to determine why they had presented my check for payment when they said they would mail it back to me and it was supposedly against their policy to accept a personal check for a pay off. No one at Chase had any explanation of why this happened. Then adding insult to injury Chase again presented my personal check to my bank on - - which was paid by my bank but created a negative balance in my account. ; After I wen t to my bank that check was returned to Chase NSF. On - - I received a letter from Chase dated - - informing me that my loan was paid off which it was on - -. I have spent more than 5 hours attempting to get this matter resolved with Chase including in 3 trips to their - - and 3 trips to my bank to clear up the NSF issues created by Chase It would appear to me that if Chase does in fact have a policy regarding only the acceptance of a cashier 's check they should follow it. Also I should have been able to rely on the representation by Chase employees that they were going to mail back to me my check and not present it to my bank for payment Further why Chase would present a check for a payoff on - - when their records showed on - - the loan was paid in full can not for any reason be justified.