Understand that the principle holds that 10,000 hours of "deliberate practice" are needed to become world-class in any field.

US bank national purchased the mortgage from JP morgan chase a while ago.

I use JP Morgan new platform by the name of Chase Story.

.$300M Huntington Place Renovations & New Detroit Hotel https://www.crainsdetroit.com/real-estate/huntington-place-renovations-new-hotel-deal-reached$200M Chase Investment in Detroithttps://www.axios.com/2023/09/28/detroit-rebound-jp-morgan-investment$44M Investment, 237 New Jobs: Bollinger Motorshttps://michauto.org/bollinger-motors-plans-44m-metro-detroit-investment/$21.5M Investment for Detroit west side Dexter Neighborhoodhttps://www.clickondetroit.com/news/local/2023/11/01/neighborhood-on-detroits-west-side-receives-more-than-215m-in-investments/$20.6M Investment, 186 New Jobs: BorgWarnerhttps://www.crainsdetroit.com/auto-suppliers/borgwarner-invest-206-million-create-186-jobs$11M, 200 New Jobs: Volkswagen Scout Brand Investment in Detroithttps://www.teslarati.com/volkswagen-scout-11-million-detroit-investment/New Detroit Developments to Be Excited Abouthttps://www.metrotimes.com/detroit/15-new-detroit-developments-to-be-excited-about-photos/Slideshow/32734721/327353923 International Companies Choose Detroithttps://www.detroitregionalpartnership.com/international-investment-comes-to-detroit-region/6 New Residential Developments in Detroithttps://detroitisit.com/6-new-residential-developments-in-detroit-to-know-about/Contact us with any questions you have.

For personal, the only one I know of is the JP Morgan Reserve Card. 

That's fine, but who is deliberately being obtuse and/or ignorant for the sake of this argument?

Didn't do anything deliberately to interfere with house purchase. 

Some people make deliberate decisions, knowing it will cause them problems.

Take your time, learn as much as you can and then create a deliberate plan.  

This action is deliberate bad faith because it limits the escrowed amount agreed contractually and intended as security against damages.Good luck collecting it, because even if you win the judgement there's no way to enforce payment except through credit reporting and the possibility of settlement to clear the reported bad debt.