When Marine Capt. Jonathon Rowles was called to active duty in 2006, he never thought that his mortgage would be among his top worries.
But that's exactly what happened. Despite a federal law capping mortgage interest rates at 6 percent for most active duty members of the military, Rowles, 29, and his wife, Julia, say they were repeatedly overcharged by their lender, JPMorgan Chase, in the following years.
When the couple declined to pay more than they were legally obligated to under the Servicemembers Civil Relief Act, collections calls ensued, often coming multiple times during the day and at all hours of the night. The Rowles, who now live in Beaufort, S.C., were even threatened with foreclosure on their Colorado home.
"The collections department of Chase could find me any time of the day through numerous phone numbers — they called my mother, called me at work, at home, during dinner, while I was sleeping, while my children were sleeping," Jonathon Rowles said in an affidavit presented to the court. "No one was looking to help or fix it."