Consumer complaint received 2017-04-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

To Whom It May Concern : This has been our home since XX/XX/XXXX at the location listed in the personal information section. There was a period of time when we were behind in our mortgage payments, but never to the point of foreclosure. We filed for bankruptcy in XX/XX/XXXX.The property was never abandoned at any period of time. <P/>I recently refinanced my existing loan with another lender. My new loan has closed. Several issues that I had no control of came to light. Chase Bank my pervious lender at closing added additional monies to the existing loan. The amount they added was listed under a heading called corporate advance with an explanation for the cost of paying a water and sewer bill. The bill totaled {$3600.00} this is where the problem arises. I contacted Chase Bank by going to their local office in XXXX, CA at XXXX XXXX XXXX XXXX XXXX, CA XXXX. I was able to talk with a banker and they called their corporate offices. Expressed my concerns about those charges and asked if I could get information about those charges. Listed below are the questions I wanted answered. <P/>1. Who ordered this work? 2. What company did the actual work? 3. When did this work start and the completion date? 4. When did Chase pay this bill? 5. Name of company. <P/>The banker on duty said Chase Bank would send a letter from corporate offices with an explanation of the charges. I received a three page letter from Chase Bank dated XX/XX/XXXX with the date they paid the bill. You will find this information on page three. The bill was paid on XX/XX/XXXX in the amount of {$3600.00} listed as the cost of paying a water and sewer bill. Returned to their branch located at XXXX XXXX XXXX XXXX XXXX, CA XXXX again talked with a banker about getting an answer on my request for information on the corporate advance that was added to my loan. The banker again called Chase Bank corporate offices and relayed my request for information. The bank said I would be getting a letter in the mail with an explanation. I received another letter datedXX/XX/XXXX only stating they had the right under their rules to withhold monies. <P/>After reading the letter I returned to the XXXX Branch on XXXX XXXX XXXX XXXX XXXX, CA. Did not get a chance to voice my concerns a banker was not available at that time. I traveled in my car to another location of Chase Bank located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. After talking with a banker about my concerns they put a call into Chase Bank corporate offices. <P/>I was told it would take about three weeks to get an answer. The person on the phone at that time told me to check with the county recorders office and they could tell who put the water and sewer lien on the property. I received a letter datedXX/XX/XXXX again not answering my questions about this corporate advance. The new letter states corporate advance balance now totals {$7300.00} with a {$3600.00} credit. I have another question why are the new corporate advance charges now total {$7300.00}. This new amount really was a surprise. I think these corporate charges are bogus. This has been my residence for twenty eight years and we have never had any water or sewer work on the property. <P/>Listed below are the public utilities I contacted and they have no record of any water or sewer lien on the property. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 3. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Your help in this matter would be greatly appreciated.