Mortgage -- Trouble during payment process -- Complaint #7851959
Complaint Overview
Complaint ID: 7851959
Company: Jpmorgan Chase & Co.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Sub-Issue: Payment process
State: Colorado
ZIP Code: 80111
Date Received: 2023-11-14T12:00:00-05:00
Date Sent to Company: 2023-11-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Effective XX/XX/, the servicing of my primary residence mortgage note ( XXXX mortgage ) was transferred from XXXX XXXX to Chase ( XXXX XXXX XXXX, XXXX, XXXX, LA XXXX ). Prior to the transfer, I made a payment to XXXXXXXX XXXX for the XX/XX/XXXX payment due XX/XX/. Upon Chase taking over as servicer of the mortgage, I set-up an auto-draft for the full monthly payment, effective XX/XX/ for the payment due XX/XX/, and on the 8th of each month thereafter. Despite this, and without my permission, Chase attempted to debit my checking account on XX/XX/ for the payment amount already paid to the prior servicer ( XXXX XXXX ). I called Chase and informed them of their error. They refused to reverse the unauthorized draft but said I could just allow my bank to refuse the draft, which I did. On XX/XX/, my bank was debited for the proper mortgage payment, which was credited on the Chase website. But, without my permission, on XX/XX/, Chase again debited my checking account for the same amount as my monthly payment ( a second charge ). This is unauthorized in any way. I called Chase, and they incorrectly claimed that the charge was authorized, but I affirm this is untrue. I asked them to reverse this charge, which the representative said she would do. However, this has not been done, and my bank is demanding funds from me to cover this unauthorized double charge to my checking account.
Frequently Asked Questions
What is Complaint #7851959 about?
Complaint #7851959 was filed against Jpmorgan Chase & Co. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2023-11-14T12:00:00-05:00.
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.