Chase Mortgage Reviews

**To:** JPMorgan Chase & Co. Executive Office / Customer Advocacy Team. **From:** Charles **. **Date:** April 30, 2026. **Subject:** Formal Complaint – Failure to Provide Hardship Assistance and Systemic Servicing Failures. To Whom It May Concern, I am writing this formal complaint to express my profound dissatisfaction and outrage regarding the treatment I have received from Chase Bank’s mortgage and credit card divisions. My experience over the past few months has revealed not only a complete lack of empathy for customers facing genuine financial hardship but also what appears to be a systemic failure in your institution's servicing and communication protocols.

My experience with Chase Mortgage was extremely disappointing and, frankly, one of the most stressful financial processes I’ve ever gone through. I chose Chase based on very specific promises that ultimately were not delivered. I was told I would receive a lower interest rate through the Net New Money program - that never materialized. I was also relying on the 21-day closing guarantee, yet my closing was delayed twice due to internal issues on their side, and I have still not received the promised $5,000 compensation. Communication throughout the process was poor and misleading. My lending officer, Nika, was often unresponsive to calls and messages, and the information I did receive was inconsistent and misleading. It felt like commitments were made simply to secure my business, without any real follow-through.

I paid down my loan every month with an extra principal payment. When Chase Mortgage assumed my refinanced loan, every month was a struggle. Chase would apply the additional principal payment to the next month's payment to try to stretch the loan out and capture more interest income for themselves. I would have to call Chase every month after my payment had been received and talk them through reallocating my additional payment to principal.

Chase contacted me about a lower interest loan. After months of providing paperwork they needed. I was approved for the loan and had the appointment for closing set for a Thursday. On the day before closing I get a call from chase letting me know my loan was not approved. No explanation about why. I was told it was already approved and had already set a closing for tomorrow. I was simply told they would have a talk with my loan officer about approving it. I went through a lot over the past couple months getting stuff they needed, and the paperwork they needed just be told that my loan was approved and a date set up for closing only to be told the day before closing that I was not gonna get the loan.

Chase promised to match competitive offers from other banks. They ultimately found a way to weasel out of the match when it was too late for me to return to the other banks. Chase didn't close my loan on time and wouldn't pay out the "closing guarantee." Safe yourself time, money and aggravation and pursue your home loan elsewhere.

Worst mortgage company. I was in the process of getting a lower interest rate program offered by the government. But Chase did everything they could to force me into foreclosure. Even though I was regular in my payments and had 20 days to pay the bill, they put me on hold for 6 months and transferred me to collectors. They failed to foreclose on my house, but they destroyed my family's credit scores and took over $15,000 from us. I managed to sell the house so they were left with nothing more what they wanted.

I had a bad experience with application process for my refinance loan with Chase. I felt like I was robbed $650 deposit fees by them. My loan officer was misleading and negligent. I was told that I had to deposit $650 and it was refundable if the loan proceeds didn’t come through. So I agreed to let them charge my Chase credit card and went through the process. Then they scheduled the appraiser to do appraisal on my house on very early stage of process which underwriter hasn’t pre approved the loan.

I’m very dissatisfied with the service — it is truly bad, irresponsible, and indifferent to customers. I waited more than a month for a power of attorney form to sign overseas, one that would supposedly satisfy their requirements. I called several times; eventually, they sent the form. After it was signed, we sent a copy to the title company, and they confirmed they would accept it. Once it was notarised, apostilled, and sent by express mail, I then received a message from Chase asking me to fill out a revised form.

Beware of Michael ** and Linn ** of the Flushing NY Chase branch, their associates and underwriters should be under federal investigation for fraud, forcing first-time home buyers into secondary home mortgages with extremely poor English skills. Caused me chaos when buying MY FIRST home, not second. I was told this was due to the location of my current job, which the underwriters felt it was a mandatory fit for a secondary home mortgage despite not ever owning a primary home before. Terrible business practices. Beware.

Chase Bank, Mt Sinai, Gavin **, intentionally deterred lines of communication, confiding information to leverage the bank against a private client over 25 years. This has caused massive disturbances in this loan in a personal and professional sense. This branch lacks experience and professionabilty in order to deliver timelines and show customer service.