Review and analysis of over 873 Home Equity Loan Or Line Of Credit complaints against JPMorgan Chase
JPMorgan Chase consumers have reported over 873 official complaints related to Home equity loan or line of credit. Out of the 873 consumer complaints against JPMorgan Chase, 28% were disputed by the consumer (i.e. the consumer was not happy with how JPMorgan Chase responded to their complaint) and 100% were processed in a timely manner. 6% of consumer complaints against JPMorgan Chase resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 3% resulted in non-monetary compensation.
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JPMorgan Chase Mortgage loan modification,collection,foreclosure November 19, 2015 - I took line of credit from washington mutual on -/-/2015 for the purchase of second home that was supposed to be investment property.I had given - as down payment for the purchase of that second home and that money was given to me from washington mutual as heloc.due to crisis in real estate the value of that proprety went down and I could not keep up with a payment.House went on short sale, chase took house.At that time due to all my hardship I applied to modify my line of credit that was only interest rate loan.Chase never wanted to modify my loan but always prolonging the process as... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure November 19, 2015 - At this time I 'm in a trial Modification loan with Chase that started -/-/- ending -/-/- when I tried to first check my Hamp status account -/-/- it showed I did n't have a Hamp account.So I just went in on my regular account to make sure my payment posted and it did. On -/-/- I went online trying to check my account to see if there were any changes and it stated " Issues with your account are limiting your access. Please call Customer Service at - for more information. Or, find out how to resolve these issues online. Note : If you have a construction loan, please call ... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure November 18, 2015 - -/-/- My Husband - - -, the primary mortgagor for Chase account # -, passed away. Immediately we took action to ensure that - servicers for the 1st mortgage - - -, and the 2nd Mortgage ( referenced account ) were properly notified. Unfortunately my husband passed away without a living will or a designated executor of his estate, and as a result, Chase refuses to authorize me ( the spouse ) as the successor in interest. Since -, Me, my son - - -, and our advisor - - have made numerous phone calls and sent numerous faxes to Chase in an attempt to ... |
JPMorgan Chase Mortgage application, originator, mortgage broker October 26, 2015 - I have - mortgages. -, - - and Chase. I was refinancing with - and incorporating - into the loan. It was approved and we were waiting for Chase to sign a subordination which they do not want to do. If they do't i will surely not be able to afford paying them. Chase was a equity line with a 10 yr draw interest only and 10 year repayment period which we just entered. If they dont approve the subordination, I will not be able to make their payment. The money I am saving from the refi with - and - was going to Chase. The payment with chase went from $300.00 to over $900.... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure October 23, 2015 - We are filing a complaint against Chase. We have been misled and given a complete runaround for the past 12 months. Chase has not processed the claim with any integrity or professionalism. We have provided the same documents over and over, only to have the bank reassign it to numerous representatives that are not current on the application status. It 's a basic stall and delay technique to not provide help or modification options. Our first mortgage was modified and we are current with payments. Our family needs the 2nd loan modified so we can continue paying our loans and stay in our home. T... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account October 20, 2015 - this is a Home Equity loan taken out in -/-/- the lender is Chase Bank. I have other major issues with the primary loan ( handling separately ) I also have, but this complaint is for this one ( Equity Loan line of credit ). My due date on this loan is the - of each month. First let me explain when I took out this loan in -/-/- the person signing me up ( no attorney or consumer rights acknowledged ) the only question that I had to answer to a bank employee at my home was if he thought my home was worth the value of the loan also NO questions about my monthly living expenses, he at ... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account October 15, 2015 - Attn : - - and - - - E-ECUTIVE OFFICE I am writing as a follow-up to my initial complaint # - to tell you Chase 's resolution '' of its error concerning calculation of our escrow did not solve the original problem we faced, and its continued failure to address the error in its escrow calculation for the months of -, -, - and - as set forth in the -/-/- letter admitting its error has resulted - despite numerous phone calls and letters to and from the Executive Office - in our receiving a notice of intent to foreclose DESPITE being in escalation mode. We 've bee... |
JPMorgan Chase Mortgage application, originator, mortgage broker October 6, 2015 - This complaint is filed in addition to CFPB # - because Chase uses multiple account numbers. This is in regard to a Home Equity Line of Credit ( HELOC '' ) and is supported by a sworn affidavit based on firsthand personal knowledge. - has written several inquiries in the form of Qualified Written Requests ( QWRs ) to Chase ( JPMCB ) in an effort to ascertain information about the subject HELOC without success ( Attachment A ). Letters sent to Chase asking pertinent details were not answered in full as required by RESPA 12 USC 2605 -e. Evidence found in the public record and copies of c... |
JPMorgan Chase Mortgage application, originator, mortgage broker September 28, 2015 - This complaint is in regard to a Home Equity Line of Credit - HELOC '' ) and is supported by a sworn affidavit based on firsthand personal knowledge. - has written several inquiries in the form of Qualified Written Requests ( QWRs ) to Chase ( JPMCB ) in an effort to ascertain information about the subject HELOC without success ( Attachment A ). Letters sent to Chase asking pertinent details were not answered in full as required by RESPA 12 USC 2605 -e. Evidence found in the public record and copies of certain documents received from Chase ( JPMCB ) in response to requests reveal that ... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account September 24, 2015 - I had filed chapter - bankruptcy in 2008. It was disharged in - of 2008. In the bankruptcy we had initially reaffirmed a home equity loan that we had with. JP Morgan Chase. Our attorney recommended that we do not reaffirm the loan. We had origially reaffirmed on -/-/2008. My attorney then sent a a letter to Chase recinding the reaffirmation on -/-/2008. This is well within the 60 period to recind reaffirmation and well before the bankruptcy discharge date of -/-/2008. At this point it has been over 7 years since the bankruptcy filing and Chase should discontinue reporti... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure July 20, 2015 - In -/-/- we received an offer of settlement from Chase for the amount of $33000.00 to settle in full our second mortgage on our house. At this time we were in mediation with Chase for our - mortgage and chose to let the offer that ended in - lapse. On advice from our attorney, we sent this offer to the Washington State Attorney General because the form looked like a teaser - it used the words we may be able to release any Chase-held liens. '' In -/-/- we received an offer of settlement from Chase for the amount of $28000.00 to settle in full our - mortgage on our home. ... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account July 17, 2015 - jp morgan chase currently still refusing to reach suitable terms on fraudulent mortgage secured by a HELOC intrest only - line of credit we have remained 60 and 90 late for years nowthe bank should be investigated for fraud as well as truth inlending practices, violation of the national mortgage settlementwith each violation is now subject to fines in excess of $ - for each violation and any pattern of violations subjectto - in penalties we are now listing - violations all finesare to be inforced within 60 days of this complaint from thesettlement monitor.Please update us as to the... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure July 12, 2015 - To Whom It Might Concern, This is - - - and - -, we are owner of our home at - - - -, -, CA -. We have been divorced and still in contact to care of our children. Judge granted the above address to mainly be - - 's home. We have contacted CHASE quite a while ago to give us a final amount as a - time settlement because we pay CHASE monthly ( $400.00 USD ) and the payment does not go into the principal or affect the principal, and the principal is $160000.00. We are asking for $5000.00 as a - time payment. We have paid CHASE this monthly amount ... |
JPMorgan Chase Mortgage credit decision / underwriting July 10, 2015 - We refinanced our home with Chase bank in -. Instead of paying off our credit cards like we thought was going to happen. They did the refinance at more than our home was worth and gave us a line of credit adding another debt. We had a few hard times over the last several years. - was told she has - then I - and was off from work four months. After returning to work three months later was riding the bus home and the driver moves and stopped before I sat down and I -. The next year - fell and - and it needed to be -. u can see where we r now. ... |
JPMorgan Chase Mortgage settlement process and costs July 8, 2015 - I have been attempting to refinance my 1st position mortgage with Chase - formerly Washington Mutual - since - of -. Chase has been NON-responsive and refuses to remove an old lien item # - on the preliminary title report that I DO NOT OWE them. Chase - formerly WAMU - gave me a Home Equity line of credit ( HELOC ) in the amount of $95000.00 on - -, -, as indicated on the attached title report. They then increased the SAME HELOC to $420000.00 on - -, - as indicated on the title report as item # -. WAMU failed to REMOVE the original HELOC, item # -... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account July 6, 2015 - I was laid off in -, and was able to maintain my accounts, and sanity, until being forced into bankruptcy, - -. Neither my - with - or the HELOC with Chase were mentioned. - notified me they were required to cancel my auto-pay until discharge, and could mail payments until the discharge came through at which time the auto-pay would be re-instated. Chase notified me they would not accept any payments until discharge, even though I said I wanted to mail them in every phone conversation I had with a Chase agent. Each time, I was told Not until you 're discharged ''. By the time... |
JPMorgan Chase Mortgage settlement process and costs July 5, 2015 - I received a phone call and it said on my phone it was from a chemical company? i answered and they said what is your name. Never identified themselves. I said who is this they said Chase Bank. I said why does it say chemical company? She said what is your date of birth? then ss last - digits. I said you called me? you dont know my name? i said what is this regarding? They said your sobordination. Yes they must be chase then. I said i am telling a chemical company that didnt know my name nothing. I have already filed with you a complaint about this bank. They charged me in the past for a so... |
JPMorgan Chase Mortgage settlement process and costs June 25, 2015 - In follow up to the complaint-, I have asked Chase to provide me the Appraisal that was done on -/-/- which resulted in the amount shown on my original contract. I have paid for the appraisal and need a copy of it, they have refused to send me a copy or they did not actually perform the appraisal. Each time I request the -/-/- appraisal they will forward me an appraisal that was done on -/-/-. ... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account June 22, 2015 - As I told Chase Bank, this is not about my record of payment. This is about what I have paid over a period of - years. This was my complaint to the State of Ky. State Attorney General for unfair loan practices. As of this date, I have paid $45000.00. There remains a balance of $ - which will take about - more years to pay off. When this balance is paid off I will have paid $54000.00. Your charge to me is $29000.00 for the use of $25000.00. This is well over 100 % finance charges. I just want to the CFPB what myself and many other people are going through. This is a Home Equity... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account June 5, 2015 - - 2012 Chase Home Affordable Loan Modification and current reinstatement gone awry. In - 2012, we applied for modifications to our 1st ( a home equity ) and 2nd ( a LOC ) with Chase. The first was modified to - ( prin and int ) and - escrow for property, flood, and taxes. They did not withhold the escrow, and when we notified them, they said that it was set up like a balloon payment at the end of the loan. All this time we have seen a ( - ) escrow balance on our statement and they have paid our premiums and taxes automatically without any issue, so we thought things were fine. My h... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure June 2, 2015 - I have tried to contact JP Morgan Chase about a Home Equity Mortgage Loan that was opened on - and was part of a shortsale conducted in -. Chase has not responded to my request for them to correct their credit reporting to the credit bureaus. I have sent them - correspondence in writing, and also filed disputes with -, -, and -. All - bureaus have verified that Chase confirms their reporting, which is incorrect. To be clear, they are reporting I currently have a balance of $310000.00, which is an astronomical amount of money that i DO NOT owe. This property was short sol... |
JPMorgan Chase Mortgage application, originator, mortgage broker May 27, 2015 - In - my ex-fiance and I were purchasing a new home where Chase was the preferred lender that worked with the building 's sales team. During the underwriting process the onsite Chase representative asked us to provide a fraudulent lease contract for a home that I owned which we planned to lease upon moving. He said we could just get a friend to sign a lease so that underwriting would n't have to worry about that on my credit. We told him that we both have security clearances and would feel comfortable doing so, then asked to speak to the regional VP for chase to resolve the matter. The follo... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account May 23, 2015 - Please refer to original complaint # --Brief summary, I made final payment on HELOC on -/-/- in the amount of $45.00. On -/-/- more than 7 years later, I get a notice of a lien hold on my house in the amount of $36.00. So I submitted a complaint to you. On -/-/-, I get a call from - - at - xt - confirming that there was never any communication made to me about outstanding fees. She stated the only communication they sent me was dated - that the account was at a - balance and instructions on how to pull more money out. She advised that the $36.00 wer... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure May 20, 2015 - My husband died - years ago. He took a Home Equity Loan from Chase. After his death I continued to pay interest only as was the original agreement. As soon as the payments were converted to interest and amortization, it more than - the payment. I could not afford this change and was unable to continue my payments. I have made repeated attempts to contact Chase, without success. I even went down to a branch to show the Death Certificate and Estate docs, so I could speak to anyone who could help with a loan modification. Again, I was unsuccessful. I am trying to honor my husband 's debt, b... |
JPMorgan Chase Mortgage settlement process and costs May 16, 2015 - I currently have a Home equity line of credit, which is 30 years, first 10 years are for draw, remainder 20 years is to pay back line of credit. My bank contacted me to ask if i want renew credit line, but said i would have to pay filing of lean, which would come to about $240000.00. I asked the bank since there still is a lean for another 20 years, why would i have to pay. They said thats the way it is. My question is that necessary, or can they continue to use same lean. The home is located in New York State. Thank you- - ... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account May 15, 2015 - I paid off my HELOC with Chase Bank on -/-/-. I paid all final fees in the amount of $45.00. On -/-/-, - months later, they send me a letter stating they have placed a lien on my home in the amount of $36.00 for outstanding fees and I must make the payment to have the lien released. ... |
JPMorgan Chase Mortgage application, originator, mortgage broker May 14, 2015 - I have a HELOC with Chase in which the repayment period begins in - 2015 ( from interest only to amortizing ). Chase sent notices a year prior to maturity which is appreciated. My payment will more than double. I have attempted to be pro-active and have tried to refinance my HELOC. Since the value of my house is approximately the same as the balances of my - and HELOC, Chase and other lenders can not assist. My credit score and DTI are very strong. Chase offers mods but only if there 's a financial hardship and it will adversely affect my credit score. I would like to refinance both my -... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account April 27, 2015 - On -/-/- I received a letter from JP Morgan Chase that they had cancelled the Lender-forced Flood Insurance coverage policy on my home effective -/-/-, and refunded my account for the annual premium. However, on -/-/- and again on -/-/- CHASE assessed my Loan account a fee assessment in the amount of $48.00. I have spent more than - hours on hold, being hung up on, emailing, and faxing CHASE trying to find out why they keep assessing this fee amount on my account. I even got a ticket number from their CSR - on -/-/- who advised the amount would be removed in -... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account April 24, 2015 - I have a Home Equity Line of Credit ( HELOC ) with Chase Home Finance ( Chase ). The line of credit was frozen shortly after it was opened. According to Chase, the reason the HELOC was frozen was due to a diminution in value of the home securing the HELOC. In or about -, 2014, I received a check in the mail for $65.00 from Chase. I was instantly suspicions as Banks do not generally send unsolicited check to consumers. The Cover letter accompanying the check explained that During a recent review, we found that you are due compensation for valuation fees on your home equity account. We apo... |
JPMorgan Chase Mortgage credit decision / underwriting April 22, 2015 - Chase had reported my payments late to the various credit bureau reporting agencies, I disputed their reporting and then they reported I had filed bankruptcy and - was owed on my account, which is incorrect because I have been making monthly payments. Their reporting has harmed me and I am unable to secure home insurance at an affordable due to their harm. ... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure April 15, 2015 - - - was denied a modification on his home equity line of credit because Chase stated the loan is at an affordable payment. They have not offered any other alternative other than a short sale. - - has been paying his - mortgage on time which also is with Chase. There are IRS liens on the property. - - is on a payment plan with the IRS. The house is underwater. - - was simply asking to capitalize the arrearages. This is an interest only line of credit currently. - - is in residential construction and had suffered through the recession which affected the housing i... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure April 10, 2015 - I have a loan with J.P. Morgan ( Chase ). After we filed for bankruptcy Chase stopped sending our loan payments so we contacted them several times and they did not respond. - -, 2014 we received a letter from Chase that stated we are behind in our mortgage payment and we have to come up with $6800.00 the total amount needed to reinstate or bring the account current. The amount of the principal obligation under the mortgage is $71000.00. I filled out all of the papers they requested and they keep telling me it is in Escrow and it will take a few months. I am at their mercy because the... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure April 9, 2015 - I have been working with the mortgage servicer since - -, 2014 to get approval of the short sale of the home that I shared with my - wife. This loan was only in her name and I had to go to - court just to get a letter of administration to deal with the servicer ( even though I did not otherwise legally need the probate to handle any other matters ). The servicer has had a complete short sale file for over 3 months now. Before this time, - buyers had canceled though we continued to work with the bank towards the short sale processing. The servicer has now transferred my loan to t... |
JPMorgan Chase Mortgage settlement process and costs April 6, 2015 - I have reached out to your agency multiple time regarding Chase, fraudulent banking practices. Chase as agreed to comply with Texas - and violated the state laws but refuse to forfeit the HELO Principal & Interest, release the Lien as described by the law and reimburse the payment I made toward this HELO. ... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account April 5, 2015 - There was a court order payment of $260.00 to be split between my ex husband and me. I have maintained a regular payment of - to the mortgage lender, chase bank. However, my ex has not fulfilled his part of the payment but chase continues to report it as a negative or delinquent account on my part. This is taking an - on me as a single mom with - boys. I ' like the negative reports be removed and the previous negatives corrected as a true reflection. I 'm afraid this will affect my ability to secureany future loans on some reasonable terms. ... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure April 4, 2015 - I filed bankruptcy chapter - and it was approved in -/-/-. I then applied for mortgage modification with - Bank during bankruptcy but it was done in less then a few months by -/-/-. Immediately, after it was completed ( -/-/- ) I mailed in application for a mortgage modification to JP Morgan/Chase on my - mortgage. During time waiting, I never received calls or statement/information on what was going on. When I called in to get payment amount so I knew how much approximately I could pay, no one could give me an amount due each month. They told me just to wait for modifi... |
JPMorgan Chase Mortgage application, originator, mortgage broker April 3, 2015 - Chase sent me a letter stating my Home Equity payment is increasing by some 300 % from $980.00 to $2400.00 and to call to see if they can lower my payment. I have been a good customer never missing a payment for both the first mortgage I have with them as well as the Home Equity. When I called they said they needed $500.00 from me before they could start the process to see if they could lower my new payment. I spoke with -. He informed me that it looked like I could combine both loans into a new mortgage and therefore avoid the huge increase in the monthly payment but I had to pay the... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account April 3, 2015 - In -/-/-, we applied for the mortgage assistance program with Chase Bank, holder of our HELOC. Between - and -/-/-, we exchanged innumerable phone calls with our assigned specialists - - and - - in order to stay on top of the requests for documentation from us to support our application. Often we were contacted to provide duplicate documents because Chase processors misplaced our fax 'd documents. We even filled out the application twice at their request. It was unclear how long the process would take, but we persevered with the constant requests for more information f... |
JPMorgan Chase Mortgage loan servicing, payments, escrow account March 30, 2015 - In 1996 I bought a house for myself and - children. I was a single mother and was living on - for - -. Me and my children recently came out of a -. Finding this house and being able to buy it on land contract was nothing short of a miracle. I paid for the house in three years. The house was only 15,000 dollars which meant a lot of work needed done. I had yard sales and bought pipes and what I needed to fix the big issues. My youngest child was - years old and very delayed in speaking, walking, talking. Lead testing in children became mandatory. I took my son for his lead scre... |
JPMorgan Chase Mortgage loan modification,collection,foreclosure March 25, 2015 - This mortgage was aggressively marketed to us by Washington Mutual Bank in 2007. Over the past several years I have discussed this matter with them and many individuals, inside the former Washington Mutual and, now Chase, Bank 's. I have spent many many hours learning about the situation. I have had many real-estate and legal processionals look at the situation as well. I reluctantly, negotiated a loan modification with Chase bank. This modification resulted in - separate mortgages. A new principle balance '' of $380000.00 and a deferred principle balance '' of $170000.00. Language in... |