Consumer complaint received 2023-08-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX chase Manhattan Bank USA, / chase Today, the assistance of CFPB is requested for this matter. My heloc charges could ONLY occur via my writing of chase supplied personal Draw Checks. Yet, incorrect account balances, overcharges massive, and ongoing fraudulent activity on both accounts. Despite LEGAL evidence presented to chase they continuously ignored it. Even telling me once, If you dont like it, sue us! 

KEY : This CFPB claim involves two chase heloc lines of credit. Each account had Draw Checks bearing my account numbers ( # XXXX and # XXXX ) on them while open. Had fixed interest rate freeze option. No pre-payment penalties. Never merged. Never open simultaneously. Never paid late. Had identical terms. Had pre-approved lines of credit. Charges only by DRAW CHECK use. NO cash advances. 

Since XX/XX/XXXX, ( almost 20-years now ) I been paying chase over {$500.00} monthly for two ( 2 ) PIF heloc Home Equity Lines of Credit. In XXXX, chase had the audacity to extend the term totaling 54 years ( from XXXX to XXXX )! The problems vary : My first Lines of Credit ( account # XXXX ) was opened in XX/XX/XXXX ). Contentiously, chase kept on adding illegitimate charges to my account and without proof.. So, on XX/XX/XXXX, I just PAID chase {$39000.00}. See my receipt via Docs 3 and D1. Considering that any chase heloc held a small collateral interest on my home. My plan was payment stopped all chase charges ; granted opportunity for balance correction ; and allowed chase to refund me for payoff overpayment. However, chase never complied. 

Meanwhile, my security was backed by proof of payment in multiple forms. 
First heloc, the county courthouse filed Satisfaction of Mortgage ( Instrument # XXXX ) in XX/XX/XXXX for my account # XXXX for my Home Equity Lines of Credit ( approved for up to XXXX ). See Doc 5. Second, my credit reports that showed PAID. Never Late. Closed. See Doc 7 and 8. However, the request to report my status for almost 14-years ( from XX/XX/XXXX until XX/XX/XXXX ) concerned me ( double the 7-year reporting status ). See Docs 2, 3, 4, 5. The chase processing payoff document is attached. See Doc C. Also, Third, chase letter confirming I Paid in Full account # XXXX. See Doc 6. So, PIF and closed! 
Second heloc, my new account Home Equity Lines of Credit that was approved for charges up to {$70000.00} after I paid off the XX/XX/XXXX ( satisfied above ). My new line of credit checking account number was # XXXX. This account was opened with a XXXX balance. See chase Transaction History - Doc 4. 

In XXXX, chase started harassing and threating me saying you either refinance or we will foreclose on your house! For years, I kept close record keeping, paid by checks, branch bank visits, customer service calls, mailing Qualified Written Request /QWR letters for correction, researching consumer rights, balancing, and saving my receipts. Very aggressive foreclosure harassments started with denying acceptance of my timely monthly payments at the bank. Again, stating that I had the call the XXXX chase number and refinance. But, I refused. So, chase started taping bright neon colored large print foreclosure warning notices on my garage door. This embarrassing tactic still did not force me to refinance because as I told them I do not owe you. You owe me, my helocs are PIF. 

Regarding my homes chain of title positions with loans, wells fargo mortgage held the first position. And chase held the second title position. Again, chase practiced refusing my on time payments unless I refinanced. Then turned around and started foreclosure procedures against me for non-payment. Considering that XXXX XXXX XXXX ( XXXX ) had been actively putting many of my mortgage payments into their UNAPPLED FUNDS account ; plus, reporting me late or behind ; I was able to making multiple payments and prove them incorrect. Thus, my wfm on time status was reset. Bottom line, XXXX XXXX XXXX could not foreclose on me. Instead, chase foreclosed on me. 

In court, chase filed a Motion to Dismiss. Then, while out of court, chase extended a loan modification with a reset payoff in XXXX vs XXXX for their false helocs balances. As you can see, multiple RESPA and TILA, etc. violations were violated by this bank institution. 

Below, I request a FRAUD investigation. Since chase added {$17000.00} approx. onto their new false loan modification. Ironically this new chase loan modification amount is {$79000.00} with interest, fees, tips, etc. added onto their chase # XXXX account. Previously, chase identified this account as being # XXXX ; all while collecting payments from me during XXXX to XXXX. 

Two PROBLEMS : Problem 1 : chase identified the XXXX account as # XXXX aka The Loan and chase totally ignored my plea that this was the wrong account for me. I shared that my line of credit account number was # XXXX. Second, chase assigned their new load modification number as being # XXXX and started collecting payments from me again on XX/XX/XXXX ( at {$160.00} for 60 months ). 

Problem 2 : my credit report ( XXXX - see below ) shows strange account # XXXX. This is NOT my account. But, it shows a {$79000.00} chase balance. This amount is IDENTICAL to chases new loan modification amount. Plus, it shows the same open date XX/XX/XXXX as mine. AGAIN, THIS INFORMATION USES A FRAUDULENT chase account number under my name. Then, chase arranged for me to pay their cost. Similar to # XXXX aka The Loan from chase XXXX Fraudulent account. Additional, examples of these Fraudulent account scenarios are identified below. See all Doc 14. 
______________________ My first account # XXXX ( after closed and second opened ) requests. 

1 ) Why does my credit report state : Keep this PAID, CLOSED. Never Late Account on credit reports until XX/XX/XXXX? ANSWER : TILA - The creditors intent is NOT relevant. Since XX/XX/XXXX was my projected mortgage payoff date. Sure enough chase started their planed foreclosure tactics ( see question 2 ). 

2 ) In XXXX, chase started very aggressive foreclosure harassments with me. For example, chase started denied acceptance of my timely monthly payments at the bank. Demanding me to refinance my XX/XX/XXXX heloc or face foreclosure! I refused. So, I mailed in my check payments instead. But, chase returned them to me in the mail. Stating refinance or face foreclosure. Constantly, chase would call and write me with demanding that I refinance or they would foreclosure and take my home from me. I stood firm that my two XXXX heloc loans were PIF. And that chase owed me money. Then they started taping bright neon colored large print foreclosure notice warnings onto my garage door as embarrassment. They ignored all of my LEGAL evidence presented to them. 
__________________________ ANSWER QUESTIONS BELOW My second account # XXXX ( after first closed ) requests. 

* QUESTIONS and CONCERNS ( from above chart ) : 1 ) Notice my Transaction History on XX/XX/XXXX had a XXXX balance. 
( See Doc 4 p.1 ). I am requesting all personal check copies posted from my # XXXX account only. 

2 ) My official loan records confirm # XXXX as being my loan number. ( See Doc D ; and Doc D1 ( bottom of p. 9 ) ). Therefore, I am disputing any association your # XXXX account that belongs to someone else. The information below in Chart C. via XXXX Credit report confirms it. 

3 ) My XXXX credit report ( dated XX/XX/XXXX ) reads As of XX/XX/XXXX, this account is scheduled to go to a positive status ( See Doc 8 ). What does this mean? It a 4-year gap. 

4 ) My XXXX credit report ( dated XX/XX/XXXX ) reads account previously in dispute. Now resolved ( See Doc 8 ). What was the dispute? How was did chase resolve the issue? 

5 ) Per chases Transaction History ( Doc 4 p. 1 ) on XX/XX/XXXX my balance was XXXX. On XX/XX/XXXX you posted my XX/XX/XXXX payment {$40000.00} on XX/XX/XXXX ( Doc 4b p. 3 ). Why was there a {$44000.00} Decr Uncollect on XX/XX/XXXX? What does Decr Uncollect mean? ( Doc 4a p. 2 ). 

6 ) What did chase use the {$68000.00} Decr Uncollect for on XX/XX/XXXX? See ( Doc 4b p. 3 ). 

7 ) Why does this {$68000.00} Decr Uncollect amount match to the dollar the FRAUDULENT revolving chase mortgage account ( # XXXX ) listed in Chart C below ( See line 14 a-d )? 

8 ) Via chases Motion to Dismiss, etc. your loan modification shows {$63000.00} of unpaid principal ( over 12 years from XXXX to XXXX ) including a {$40000.00} pay down. Plus, interest of {$16000.00}? Explain your math. ( See Doc 11 ). 

9 ) I claim FRAUDULENT CHARGES on all unknown accounts shown on my credit report via XXXX Credit Report ( XXXX ). My only two known heloc Draw Check ( XXXX ) accounts being # XXXX and # XXXX.

Company response to consumer: Closed with explanation