Consumer complaint received 2015-06-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Dear Consumer Financial Protection Bureau, JP Morgan Chase Bank , N.A . together with its ' representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX attempt to steer husband and wife away from the benefits of the XXXX XXXX Harp Re-Finance Program and the 60 day, 4 % signed Lock-In Agreement dated XXXX XXXX, 2015 by the delay in service, the delay of a well-timed " Close '', the entry to record of an errored appraisal, the withhold of information by not providing the disclosures of the Good Faith Estimate Settlement of Charges in a timely manner ; and the withhold of information by not providing the disclosures of the Truth in Lending Statement in a timely manner. 
As a result, we write this complaint to the CFPB against JP Morgan Chase Bank N.A . together with its representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX. Herewith are the details : On XXXX XXXX 2015, we verbally began the process to enter into the XXXX XXXX HARP Re-finance Program with JP Morgan Chase Bank , N.A . representative XXXX XXXX ; thereafter, JP Morgan Chase Bank N.A . representatives XXXX XXXX and XXXX XXXX joined the process. 
Then on XXXX XXXX, 2015 XXXX XXXX XXXX, performed an appraisal ; thereafter, the submission of an error report is entered into the record which indicates the address of interest has a fourth illegal unit and kitchen. This is false information because the fourth floor does not exist. 
Though the 60 day, 4 % Lock-In Agreement is dated XXXX XXXX, 2015, JP Morgan Chase Bank , N.A . Representative XXXX XXXX did not email the document until XXXX XXXX, 2015 ; delay in service. 
In response to the XXXX XXXX, 2015 email from JP Morgan Chase Bank N.A . representative XXXX XXXX, on XXXX XXXX we signed and returned by email the 60 day, 4 % Lock-In Agreement dated XXXX XXXX, 2015 together with the additional documents requested. 
Meanwhile, we did not hear from JP Morgan Chase Bank N.A . representatives XXXX XXXX, XXXX XXXX, or XXXX XXXX until XXXX XXXX, 2015 ; delay of a well-timed close. 
Lastly, on XXXX XXXX, 2015, we received from JP Morgan Chase Bank , N.A . Representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX an " Approval Letter '' that is a " Counter Offer '' at the increased interest rate of 4.125 % ( 4.5 % APR ), even though the 60 day, 4 % XXXX XXXX, 2015 Lock-In Agreement remained in place ; delay in service. 
Finally, without the disclosures of the Good Faith Estimate Settlement of Charges and without the disclosure of the Truth in Lending Statement, is an attempt by JP Morgan Chase Bank NA Representatives XXXX XXXX, XXXX XXXX, and XXXX XXXX to withhold information and prevent a timely close. 
In conclusion, we wish to:1. Complete and finalize the XXXX XXXX HARP Re-Finance Program ; ( attached ) 2. Secondly, to maintain the 60 day, Lock-In Agreement dated XXXX XXXX, 2015 at the interest rate of 4.0 % ; ( attached ) 3. Thirdly, to " Close '' on or before the end of business day of XXXX XXXX, 2015 because the 60 day, 4 % XXXX XXXX of XXXX XXXX, 2015 has the expiration date of XXXX XXXX, 2015 ; XXXX. Fourthly, because of the delay in service, we expect an extension of the 60 day, 4 % XXXX XXXX, 2015 Lock-In Agreement if the XXXX XXXX, 2015 date of close can not be met. 
5. Lastly, we again request and seek the disclosure of the Good Faith Estimate Settlement of Charges document, never issued but, requested by email on XXXX XXXX, 2015 ; 6. Finally, we again request and seek the disclosure of the Truth in Lending Disclosure Statement never issued but, requested on XXXX XXXX, 2015. ( attached ). 
7. Equally important, we seek a correction of the XXXX XXXX, 2015 error appraisal provided by XXXX XXXX , XXXX, Appraiser XXXX XXXX, and hired by JP Morgan Chase Bank N.A.. ( error page attached )

Company response to consumer: Closed with explanation