Mortgage -- Trouble during payment process -- Complaint #4921546
Complaint Overview
Complaint ID: 4921546
Company: Jpmorgan Chase & Co.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Missouri
ZIP Code: 63501
Date Received: 2021-11-17T12:00:00-05:00
Date Sent to Company: 2021-11-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I closed on my new house on XX/XX/XXXX with a first payment due on XX/XX/XXXX. I made the first payment to my original mortgage company, XXXXXXXX XXXX, on XX/XX/XXXX, 7 days early. The mortgage was then sold to Chase Bank effective XX/XX/XXXX. I immediately set up autopay with Chase for the future payments after seeing it attach to my existing Chase account. Chase did not have the information about my first payment, and I received a statement saying that the payment was overdue. I spent an hour or two trying to reach a customer service agent who informed me that this happens when mortgages get transferred, and that it was likely nothing to worry about. He suggested calling the original company to verify that they had the payment and would be submitting it to Chase. I spent another hour confirming it. The collection calls from Chase started the next day. After waiting on hold to talk to an agent, and then a supervisor, they just want me to disregard their phone calls saying my mortgage is overdue. XXXX XXXX, a supervisor for the collections desk, tells me that these collection calls are part of standard policy, even in my circumstance. I'm 100 % certain those calls and the notice they sent will be used as evidence if they try to foreclose - how can I possibly " disregard '' them? I have paid my mortgage, and they're harrassing me for a payment. I had nothing to do with them buying the loan from the original company. I had no say in whether the information transferred correctly. They've made it clear that they KNOW that this happens in error. Knowingly calling to collect a debt that is not owed, particularly when my home is at stake, is harassment at best.
Frequently Asked Questions
What is Complaint #4921546 about?
Complaint #4921546 was filed against Jpmorgan Chase & Co. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-11-17T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.