Consumer complaint received 2015-06-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
During the process of applying for a home equity line of credit from the XXXX XXXX XXXX XXXX ( XXXX ) they found a lien filed by Chase XXXX XXXX XXXX ( now Chase Bank ) on my property located at XXXX XXXX XXXX, XXXX, NY XXXX. The details of the lien provided to me by XXXX from XXXX XXXX XXXX XXXX of their document are:XXXX. Mortgage made by XXXX XXXX XXXX to Chase XXXX XXXX XXXX for {$37000.00}, dated XXXX XXXX, XXXX, and recorded XXXX XXXX, XXXX, in XXXX XXXX of Mortgages, page XXXX. 
NOTE : Proof must be obtained that the above XXXX has been paid in full and the account blocked to further activity. 
XXXX. Mortgage made by XXXX XXXX XXXX to Chase XXXX XXXX Bank for {$13000.00}, dated XXXX XXXX, XXXX, and recorded XXXX XXXX, XXXX, in Liber XXXX of Mortgages, page XXXXNOTE : Proof must be obtained that the above XXXX has been paid in full and the account blocked to further activity. 
NOTE : The above mortgages were modified and consolidated so as to constitute a single lien of {$50000.00} and interest by agreement dated XXXX XXXX, XXXX, and recorded XXXX XXXX, XXXX, in XXXX XXXX of Mortgages, page XXXX. 
I called Chase Bank and asked their representative to help my remove the lien. The representative could find nothing related to the property address, my social security number or my name and suggested I visit a local Chase Bank branch in XXXX, NY. I visited the Chase Bank branch located at XXXX XXXX XXXX, XXXX, NY XXXX on XXXX XXXX, XXXX and met with XXXX XXXX. He too searched Chase records for the property address, my name and my social security number and, like the online Chase representative, found no reference to any of the searches. Since there was no reference to my property - let alone a lien on my property - in Chase records I asked him to write a letter stating that there was no lien on the property and to notify the XXXX County Clerk so their records could be updated and to give me a copy of the letter for my files. He told me that he could not do that. However, he assured me that he could get someone at Chase to file the paperwork necessary to remove the lien from my property. I provided XXXX XXXX with a copy of the page referencing the lien that XXXX sent me. 
I have contacted XXXX XXXX several times since XXXX XXXX and each time he has assured me that he was working on the issue and that it would be resolved within weeks. On XXXX XXXX I emailed XXXX XXXX pointing out that roughly a month had passed since our XXXX XXXX meeting and that I would like to know what the status of my inquiry was. He did n't respond immediately so I emailed him again on XXXX XXXX asking for a status report. He responded on XXXX XXXX and wrote that he had been working with " XXXX-Star '' ( I presume this is the title search company that uncovered the lien ) and they were not helpful. In that email he also wrote that " Chase told me the cost to do personally is high. I will be contacting XXXX XXXX to get more information and this process and then I will get back to you sometime this afternoon. " I have not heard from XXXX XXXX - or anyone else at Chase Bank - about this since then. 
I will attach copies of the PDF I received from XXXX referencing the lien and copies of the email exchanges I had with XXXX XXXX, if possible. 
Please advise.

Company response to consumer: Closed with explanation