Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (NJ)

I refinanced my home in XX/XX/XXXXthrough my bank Chase Mortgage. Prior to the refinance, I was the sole borrower on the loan. This was my intent on the refinance as well. Upon Chase coming to my home to sign the final finance documents, they insisted that my recently new husband sign in an area ethe contract. As the borrower I was very concerned adding him to the mortgage. Chase representative explained he must sign it because he lives here but that he is under no financial obligation for the loan. Reluctantly, I had him sign as I was desperate to lower my interest rate. Around XX/XX/XXXX, my husband filed an individual chapter XXXX. Shortly after filing I was notified by Chase mortgage via mail that someone file Chapter XXXX and to please call Chase to discuss plans for the property. I went to my computer to check my online mortgage accounts and I was locked out. I immediately called Chase and told them that I was locked out of my online banking options and they said it was because of my husband 's filing bankruptcy. Chase further explain that not only with my online bill pay option be locked out but that they would also stop reporting any payments made to the mortgage to the credit bureau. I was so upset! I was n't the one filing bankruptcy, I did n't do anything wrong. I explained I had nothing to do with this and that he is not on the loan as a borrower. They told me that I should go check my local township clerks office ( records office ) as he was on the deed. I did that, and sure enough much to my surprise, my husband was on the deed. I called Chase countless times to understand and have them explain to me what happens next. I even confirmed that I was being recorded on the phone and made it clear that I am the sole borrower and have no intent to default on this mortgage that has no late payments. Chase explained that once the bankruptcy is dissolved, they would begin reporting my payments to the credit bureau once again. The bankruptcy attorney my husband used encourage me to be very careful with making payments to chase until the bankruptcy was dissolved. He encouraged me to mail certified checks using USPS with signature verification. I did that for two months, but made my third payment over the phone using my checking account. On XX/XX/XXXX my husband received his bankruptcy discharge notice in the mail. Finally we were done! I called Chase XX/XX/XXXX first thing in the morning and asked Chase will they reactivate my online account. They said no. I asked them if I could fax or email over to them the discharge of the bankruptcy to expedite things and they said no. They explained that I have to wait for the chase bank to be notified through the proper channels and that I could not assist. I was explain something new on that phone call, that the mortgage was not reaffirmed! I was told because the bankruptcy was discharged we missed the window to ever have future payments be reported to the credit bureau on my behalf. I repeat it back to the customer service representative " so for the next 20 years of my loan any payments I make will not be reported to the credit bureau? ", and she said yes. She told me the mortgage reaffirmation was to be done prior to the bankruptcy being discharged. My attorney indicated he would have my husband reaffirm The debt prior to discharge, but Chase mortgage never provided a reaffirmation statement. The attorney indicated it is the responsibility of the lender to supply reaffirmation papers. Attorney further indicates Chase mortgage is holding me hostage and controlling me through my husband borderlining blackmail. I am a non-involved debtor Who seeks to have my remaining mortgage payments reported to the credit bureau as well as access to my online bill pay as I have been doing since the loan was refinanced in XX/XX/XXXX. I ca n't believe I 'm going through all this and I did n't even file bankruptcy. I am being prejudiced against for my husbands bankruptcy. Please help in anyway you can. I call Chase mortgage at least 10 times since XX/XX/XXXX to make sure payments were received, ask for specific directives on how I should handle this situation and they told me all these calls were being recorded for quality assurance and can validate all that I have said. <P/>I will be including my mortgage refinance paperwork, the first five pages. Please note on page 1 the name and address of borrower is only myself and my home address location my husband is not listed. On page 5 there is an area for my husband to sign. As related to page titled " Owners & Seller Affidavit ''. I am assuming it 's referring to # 6 ) " as to marital status : that the undersigned is single or married ( if married and spouse is joining in subjectdeed/deed of trust, spouse must join herein ). This was the only area my husband needed to sign and we were told it 's because he lives here but is in no way financially responsible for the stu this was the only area my husband needed to sign and we were told it 's because he lives here but is in no way financially responsible for this debt. The first page of the mortgage refinance only reflects me.