Consumer complaint received 2019-08-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase and XXXX XXXX XXXX (pmt $XXXX) conspired and manfactured the evidences.  That Chase by not cashed regular pmt of $XXXX and requests over pmt of $XXXX a month of $XXXX, and falisfied claimed that they paid my property tax and insurance.  Which evidences that I made the pmts, also, sent the receipts to the Chase and requested to remove the Escrow Account. But Chase speeding the foreclosure without proper merit and causes, but by fraudulent the evidence and refused to remove the Escrow Account and falsfied my accounting to foreclose by illegal and immoral act.I received a loan mod via my lawyer at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. (SBN XXXX)XXXX XXXX XXXX. (SBN XXXX)XXXX XXXX XXXX XXXX XXXX XXXXXXXX, California XXXXTelephone: (XXXX) XXXXFacsimile: (XXXX) XXXXOn lateXX/XX/XXXX that the loan mod from Chase Bank offered on my property at XXXX XXXX XXXX XXXX XXXX, CA. and requestedi started making regular payments of $XXXX, i send in the payment ofXX/XX/XXXX of $XXXX per instruction by Chase Bank.  But my payment returned cited that i need to pay $XXXX instead to cover my insurance and property tax, i refused to have Chase involving inmy personal financial business, and repeatedly told Chase Bank thatI will pay my own property tax and insurance.  Chase threaten me thatif i don't pay the amount demanded, that my property will be up forforeclosure again. which my property was under the foreclosure sinceXXXX, when the Bank Bail Out, that Chase Bank insisted that i need todefault my monthly loan payment in order for a re-finance or loan-modI repeatedly requested.  After 6 month, that Chase still refused toaccepting my requests.  i finally had no option but defaulted my loanto allowed apply a loan-mod or re-finance.  It was a national scam by the banks to wipe out the middle-class's properties cross the states.Every since our life down the spiral to the hell never returned. SoI was very scared when Chase Bank threaten to foreclosed my propertyagain. I started make Chase Bank demanded payment of $XXXX v. my original scheduled payment of $XXXX, which is $XXXX  extra each month for total of 14 month from XX/XX/XXXX thru XX/XX/XXXX and Total of $XXXX over payments. At the same time, i always asking Chase Bank removed the EscrowAccount which I never agreed to beginning with. Chase asked meput in writing, i did in XX/XX/XXXX, Chase acknowledged my letterbut refused to make any changes, even Chase made aware byI sent Chase the payment of my property taxes. XX/XX/XXXX I paid  1st   property tax of $XXXX and XX/XX/XXXX I paid  2nd  property tax of $XXXX   My insurance XXXX and I also, separately sent the insurance policy to Chase Bank:Policy number: XXXX from XX/XX/XXXX to XX/XX/XXXX $XXXXPolicy number: XXXX from XX/XX/XXXX to XX/XX/XXXX $XXXXSo Chase didn't pay my property tax and insurance butcharges me excessive extra $XXXX a month to cover the tax andinsurance they didn't pay. Chase refused remove my escrow account, and keeping asked me still paying the extra $XXXX amonth according to their agents, every single phone calls thati am in default to have my home foreclosed, that the paymentis not sufficient to cover the property tax and insurance, andfraudulent my monthly mortgage statements. On XX/XX/XXXX statement there were $XXXX pmt due on XX/XX/XXXX. Which i owe0.  I continue making the proper monthly scheduled payment of $XXXXeach month from XX/XX/XXXX until present. However, Chase stopped cashed my check dated XX/XX/XXXX check #XXXX, and also, the check # XXXX for XX/XX/XXXX pmt also, not cashed. And starting threaten for foreclosure.  When i called on XX/XX/XXXX accused them offrame me and purposed not cashed my checks. They transferred meto many agents that I was on the phone for the whole afternoon until XXXX rushed to Chase Local Bank made 3 pmts.Eventually the last agent told me that i need to make 3 month pmts, and allowed me pay in the local Chase bank this time.  I immediately cut 3 Cashier's check of $XXXX each for total of $XXXX and flew to the Chase Branch Bank made the pmts. I starting make monthly loan payment faithfully as always, nevermissing one pmt ever, by knowing that i am targeted for the lucreequity of my home in California . That every bank tried to robHomeowner's highly yeast equity for illegal and immoral profiting.So i am extra alert not provides any vehicle for the Chase illegalforeclosed on me. But Chase has different agenda and motive as always, on XX/XX/XXXX i again first went to the Chase Local Bank making pmt, teller said they can't accept my pmt, I then called the customer service XXXXand was told that my home is up for foreclosure, or 1). I can make$XXXX  of short pmt. 2).  I Can pay off my loan. 3). i can pay outmy deferred principal balance of $XXXX V. statement statedamount of $XXXX.  I answered that Chase set me up and framed me for illegal foreclose. And Chase didn't pay me tax and Insurance.Every agents I talk to always insisted that Chase paid my tax and insurance by lying.  I asked provide the proof, they transferred me toChase Insurance Dept, and the agent can't fine any record, so he set a conference with XXXX agent name XXXX, XXXX and Chase agent was told that the insurance were paid by me, and also, immediately emailed me both the policies for XXXX and XXXX declarations. I also, asked proof of my tax pmts falsified claimed paid by Chase, they never provided me any proof. On XX/XX/XXXX I  registered mail  the XX/XX/XXXX pmt check #XXXX amount of $XXXX to: overnight payment:  Chase,  XXXX XXXX XXXX XXXX XXXX XXXX, Attn: XXXX XXXX, XXXX, KY XXXX.But the payment returned by Chase, and at the same time I receivedPOSTING at door registered mails, mailed, phone calls threaten for falsified foreclose from Chase, and was told that Chase is proceeding for the foreclosure.

Company response to consumer: Closed with explanation