Friday, September 17, 2010


Readers of my most recent post on Huffington know that the intransigent turpitude of Chase Home Finance, the bank which holds our mortgage, has driven me to consider legal options, but only in a blue-skying, dreamy sort of way. In practice, my main outlet for expressing my vengeful loathing for that gang thieving suits is referring to them as Chase Home Weasel whenever possible, a tactic about which my wife is understanding but tired.

Now it's coming up on four weeks since creamy-voiced JoAnne of either the Tax Department or Chase Customer Care--it wasn't clear which but she was much smoother than the usual Customer Care thug--led us to believe that our situation was about to be fixed.

Unfortunately, nothing has been fixed. Every day since our mortgage payment was acknowledged by email, we've received an email saying our payment has not been received.

So yesterday we sent certified letters, return receipt requested, the whole nine yards, to Chase Home Weasel Customer Care, the Tax department and Jamie Dimon, CEO of JP Morgan Chase and by extension, King of the Weasels. Here's what it said:

We have made repeated attempts to get Chase to correct the errors it has made and continues to make with respect to our taxes and water bills. Chase has thus far failed to respond. Our efforts have been time-consuming and expensive. We make this final effort in the hopes of resolving this matter. Once again, we point out the following errors:

  1. The property taxes you seek to escrow us for are not delinquent; they have been paid in full and in timely fashion.
  2. The water bill you seek to escrow us for is not ours. It is the water bill of our neighbor.
  3. Contrary to your assertion that our water bill was delinquent, it was and is not delinquent either.
  4. Contrary to your letter of June 28th, no correspondence has been sent to us by Chase Home Finance regarding “delinquent” payments for our property since December, 2009, the last time that Chase attempted to bill us for our neighbor’s water bill. (NB: All relevant documentation follows this note.)

These mistakes should not have been made by you in the first place. Chase’s failure to correct them promptly, Chase’s failure to respond to our repeated attempts to address this situation and Chase’s frequent reiterations of these same mistakes (Chase has attempted to collect our neighbor’s water bill from us every year since 2006), evidences something beyond negligence. Such behavior evidences bad faith. Please rectify this matter no later than c.o.b. October 15, 2010 or we will be forced to take the following actions:

  1. Bring an action in Small Claims Court to seek compensation for the damages you have caused us in both time and expense. We will subpoena the appropriate Chase employees and documents.
  2. Report this matter for investigation to the New York State Department of Banking, the Office of the Comptroller of the Currency, the Better Business Bureau and the Attorney General.
  3. Continue to report this situation on the Huffington Post, as Alfred Gingold has been doing since July 29th, also on FaceBook and elsewhere.

We continue to make our proper mortgage payments (principle and interest only) in timely fashion. We hope that you will now act in good faith to resolve this matter quickly without causing us any further distress. In order to contact us before October 15th, our telephone number is blah blah blah, sincerely, etc.

Wish us luck...

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