I contacted JP Morgan Chase Bank in May by phone, requesting removal of my ex-husbands name from the mortgage title. I was informed the easiest way toresolve this was to apply for a refinance loan. I spoke with Kathryn Powell (800-850-3735, ext. 43655), who startedthe loan application, who then transferred it to Liza Ortega, LoanProcessor (877-483-3528, ext. 9152).inever heard from Kathryn again, despite several calls I made to her withquestions. I therefore wish to file a complaint with Chase as I believeI was denied the loan on a discriminatory and biased technicality. After more than three months of submittingrequested documents and being told that my loan would most likely be approved, I was denied because I was not able to show that I made mortgage payments on myown for 12 months prior. The reason forthis was because I was still married and had not been divorced longenough. I explained this to Kathryn inthe beginning and was not made aware of the type of program she had submittedthe loan under. The original loan was conventional and I assumed thisrefinance would be as well. I also paid $750.00 up front for an application fee, ofwhich $350.00 has been refunded. Had Ihad the least doubt that this loan would not be denied, I would never havepaid this fee; I was assured that the loan would go through with noproblem throughout my correspondence and was even given an estimated closingdate. I have more than adequate income, a very high FICO score (over 800) and no credit card or any other debt. After being denied, I still needed to have myex-husbands name removed from the Chase mortgage title, despite his name beingremoved via Interspousal Transfer Grant Deed (Quit-Claim). I was told I would need to file for anAssumption loan and, once more, submit $900.00 to start the process. I do not feel that I should pay anyfurther fees to have my ex-husbands name removed.
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