Consumer complaint received 2016-04-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

My mortgage is held by JP Morgan Chase. I recently had a leak which caused over XXXX dollars of damage. XXXX was involved due to the size of the claim. They explained the process, that the initial check would be made out to XXXX us, that I would be required to send it in for endorsement, and that I would be required to have an independent inspector come to my home after completion of the project to verify that the repairs had been completed properly. What commenced was a pattern of harassment which was quite inappropriate. I submitted everything they asked for which included the estimate of repair which was over XXXX. They asked for it several more time although it was already downloaded to their website. This involved no less than ten calls with JPMC. So they finally got the estimate in their system. The initial check of XXXX was cut very quickly by the insurance company and sent immediately to JPMC for endorsement. It took a very long time to come back endorsed and in order for the work to start I had to borrow XXXX to pay the contractor to start the work and buy flooring material. The repairs commenced XXXX XXXX. I got the endorsed check from JPMC some time later and cashed it immediately. Then JPMC began harassing me about getting the inspection done. I told no less than XXXX different people that the work had just started. I got the final checks from XXXX Insurance the week of XXXX XXXX. The repair work was completed on XXXX XXXX. Those checks were endorsed by me and my contractor and final payment was issued to the XXXX XXXX XXXX. That SAME DAY I get a threatening letter from JPMC stating that although I had cashed the XXXX check in XXXX, I had not been compliant with their requirement that a final inspection be done and pictures submitted to JPMC. THE WORK HAD JUST BEEN COMPLETED THAT DAY. I have spoken to no less than XXXX supervisors at JPMC who tried to tell me that they did n't known that the XXXX was not a final check and that it in fact that it was only an initial payment. I verified with them that they had the copy of the repair estimate for XXXX, and when I asked why they were assuming that the project was completed based on the deposit of a XXXX check, they had no answers. I scheduled the inspection ( which by the way had already been done by XXXX ) as soon as the project was completed, and they still continued to harass me by phone, leaving messages that stated that this was the first of XXXX? messages to verify that the inspection was scheduled ( they already knew this as I had already notified them ) and that I intended to go through with it. 

This harassment was absurd and unnecessary. I have gotten through this project as quickly as was feasible and complied with each request made of me by the various vested entities. XXXX Insurance was FANTASTIC. JPMC harassed me nonstop. The extra burden of almost daily communication from JPMC while I was out of my house and trying to manage the repair process made it extremely difficult and in fact slowed the process down. I had to borrow XXXX to even start the project because of their difficulty in getting the initial check endorsed and back to me. And then I got to deal with protracted harassment when they somehow interpreted the deposit of that initial check as evidence that the project was completed, which it was n't for six more weeks, despite the fact that they had the repair estimate for XXXX. They claim that the laws made in 2015 required them to do this but I am quite sure that daily harassment is not what the law required them to do.