Consumer complaint received 2017-12-10
Company: JPMORGAN CHASE & CO.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As the following email exchanges of "Wed, XX/XX/XXXX at XXXX XXXX," with Chase demonstrate I tried my best to resolve the issue of missing a couple of months payments around seven or eight years ago. Then once again at the end of XX/XX/XXXX, I tried to resolve this issue with XXXX XXXX XXXX XXXX XXXX, wherein my account number is: XXXX. 

In both cases after I submitted these institutions demanded documents, I received cookie cutter letter. In XX/XX/XXXX when I tried to resolve this late or missing payments issue with Chase, I exchanges many emails with Chase staff. By their demands of documents that I had sent them more than once and by their misleading statements, chase staffer seem to be trained making people sick of the run around. I just did not want to go to this unpleasant experience with any financial institution anymore. And meantime I kept sending around $100 extra payment with my monthly mortgage for compensating the couple of my missing payments seven or eight years ago. Despite this fact, both Chase and now XXXX keep alleging me for late payment that according to their calculation amounts to thousands of dollars. 

I recently decided to get my mortgage company changed. Last Friday, I went to XXXX XXXX XXXX with my mortgage statement.  I was told that both Chase and XXXX have been reporting to credit companies that I have been late paying my monthly mortgage for several years. And until XXXX clear this blemish from my record by writing off thousand of $ interest and late charges and get my record straight with the credit companies, the XXXX XXXX XXXX can't help me out. I hope you could help me out before I file a law suite against XXXX in XXXX Superior Court. Thanks a lot.        

---------- Forwarded message ----------
From: XXXX XXXX 
Date: Sun, XX/XX/XXXX at XXXX XXXX
Subject: Re: I received a letter from Chase written on XX/XX/XXXX stating documents needed Re: Please be my advisor on the request I had already filed with the Chase regarding my Account # XXXX
To: XXXX

Dear Mr. XXXX.

I was wondering if you are still with the Chase? XXXX XXXX XXXX

Re: I received a letter from Chase written on XX/XX/XXXX stating documents needed Re: Please be my adviser on the request I had already filed with the Chase regarding my Account # XXXX

On Wed, XX/XX/XXXX at XXXX XXXX, XXXX XXXX  wrote:
Dear XXXX XXXX,

On Wednesday, XX/XX/XXXX, you told me that I have submitted all the needed documents, but I received a letter from Chase written on XX/XX/XXXX stating documents needed: Property 
completed XXXX, Properly completed hardship Affidavit, Income Documentation.  Please drop me a line stating what you told me on the phone that the Chase has all the needed 

documents from me and I do not need to submit any other paperwork. Thanks a lot.  

Very Sincerely,


XXXX XXXX XXXX     


On Fri, XX/XX/XXXX at XXXX XXXX, XXXX XXXX  wrote:
XXXX XXXX XXXX  XXXX
Advisor, Chase Homeownership Center
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 

Ph XXXX
Fax XXXX

Dear Mr. XXXX,

On Wednesday, XX/XX/XXXX, I met you at your office and then I faxed you the copy of my tax return about my account or loan # XXXX. As I told you in our meeting that calling Chase XXXX number could lead me to long hold and eventually cut off, if I do not hang up. I request you get my folder and work on it. At least, I can reach you by phone  
and/or see you, as well, if I have to. Please let me know if you could be my advisor on the request I had already filed with the Chase. ... Please drop me a line about my request, if you can.

Thank you very much for your help.

Very Sincerely,
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX

C XXXX
H XXXX

Company response to consumer: Closed with explanation