Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding Chase Home XXXX mishandling of my mortgage application, illegal lack of disclosures, misrepresentation of fees, and failure to provide the required denial documentation under federal law. 

1. Loan Denied Without Required Written Adverse Action Notice Chase denied my mortgage three days before closing, yet I never received the mandatory written Adverse Action Notice explaining the reasons for denial. Chase now claims the notice was sent on XX/XX/XXXX, but I never received any such communication by mail or email. 

Under ECOA ( Regulation B ), this written notice is required within 30 days. 
Chases claim that the notice was sent without proof or delivery is unacceptable and appears to be a false statement to avoid compliance. 

2. Misrepresentation of Good Faith Funds & Email Evidence of Refund Promises I paid {$650.00} in Good Faith Funds at the start of the loan process. The Chase loan officer informed me clearly including over multiple emails that this amount was refundable if the loan did not proceed. 

I relied on that representation. 

Despite this, Chase is now refusing to return the funds. This contradicts what I was told, and Chase has refused to honor the information provided by their own loan officer.

3. Chase Provided Contradictory Fee Information to Justify Keeping My Money Chase XXXX XXXX called me last week promising to send : A denial letter An itemized list of charges An explanation for the refusal to refund the Good Faith Funds They never sent any of these documents. 

Instead, today, I was told the appraisal cost over {$700.00} and the application fee was {$80.00}. These amounts were NEVER disclosed to me upfront. This is a violation of : TRID ( TILA-RESPA Integrated Disclosures ) Federal fee disclosure requirements I was never provided : A Loan Estimate showing these fees Any written disclosure showing a non-refundable application fee Any document showing the appraisal would cost $ XXXX This retroactive fee explanation appears fabricated and non-compliant. 

4. Appraisal Was Not Ordered Through an AMC ( Illegal Under AIR Rules ) I learned that Chase did not order the appraisal through an Appraisal Management Company ( AMC ), which is required under : Dodd-Frank Act Section 129E, and Appraiser Independence Requirements ( AIR ) A lender can not directly select or engage an appraiser.

A non-AMC appraisal is not compliant and should not be used for underwriting or fee justification.

Chase is withholding my refund based on an appraisal that may have been ordered improperly and outside federal independence rules. 

5. Appraisal Played No Role in Denial Chase denied my loan for reasons unrelated to the property, meaning : The appraisal was not needed It did not impact underwriting It provides no valid justification to withhold my funds Ordering an unnecessary appraisal and refusing a refund is deceptive.

6. Chase Has Repeatedly Failed to Provide Required Documentation To this day, I have not received : The Adverse Action Notice The itemized fee breakdown The written explanation XXXX XXXX promised Any evidence of non-refundable application fees Any proof of the alleged $ XXXX appraisal charge Chases pattern of missing disclosures and conflicting statements indicates serious compliance problems.

Company response to consumer: Closed with explanation