Consumer complaint received 2015-10-04
Company: JPMORGAN CHASE & CO.
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase fraudulent foreclosed on me by stating I failed 2make my payments. Chase refused all my monthly payments from XX/XX/XXXX to XXXX XX/XX/XXXX saying theycould not accept my payments while in loan modificatioI was still in active loan modification when they foreclosedon me as I was waiting to hear a response to my " Noticeto Dispute the Dismissal of Loan Modification # XXXX and/orReinstatement of Loan Modification # XXXX. " Chase did notrespond to my " Notice to Dispute the Dismissal and/orReinstatement et al '' until AFTER they foreclosed on me. 
Chase offered the " Dismissed Loan Modification # XXXX '' to me AGAIN ( with the wrong figures in tact ) AFTER theyforeclosed on me.Chase did not follow loan & loanmodification rules, regulations, procedures, includingRESPA, Local, State & Federal Laws protecting thisconsumer including the Dodd-Frank Wall Street Reform & Consumer Protection Act. Chase also failed to giveme an itemized list of the fourteen ( 14 ) years they addedto loan Modification # XXXX in XX/XX/XXXX to include the amount & rates & also failed to explain to homeowner how theyderived at adding 14 more years to her loan when I wasnot behind in principal & interest.Chase simply put downa year of " XX/XX/XXXX '' which clearly was lost in translation & without any explanation as to how they derived adding14 years when homeowner was not behind in principal & interest. Chase told me escrow was not allowed to beadded to the end of the loan therefore homeowner wantedto know exactly what did they add to her loan to comeup with 14 additional years onto her 30 year fixed loan. 
If I was not behind & even it I were to be behind one ( 1 ) month that would have calculated to approx. {$460.00} asthat was my monthly mortgage note at the time asEscrow had not been included in my monthly note untilafter the Loan Modification was completed. I was alsorequired to make an additional lump sum EscrowPayment to Chase. So how did they come up with 14more years added to the loan? Homeowner fearsadditional fraud has been done to her loan in LoanModification # XXXX ( XX/XX/XXXX ) as well. Again, why is Chaserefusing to replace her data/documents from XX/XX/XXXX to XX/XX/XXXX much less the data/documents XX/XX/XXXX to XX/XX/XXXX for homeowner 's access. 
They have kept her data & documents from her accountsince the closing of her loan in XX/XX/XXXX.Homeowner & her housing counselor had no access to her accountdata/documents to work off of for loan modification # XXXX & Chase refused to return data/documents throughpresent day.They have now removed ALL her data/documents from her account so she has NO access toanything. Chase has left ONLY her name which is alsoincorrect as it does not show her complete legal lastname.Chase Executive Offices refused to change theincorrect figures submitted to the Underwriters statingthe Underwriter 's calculations were correct. Yes, thecalculations were correct BUT the figures given & usedby the XXXX Underwriters ( JP Morgan ChasePaid Employees ) were given to them by Chase 's EscroAnalysis which was incorrect as it did not reflect propercredits due to the homeowner since she paid off XX/XX/XXXXEscrow in lump sum in XX/XX/XXXX & continued to makemonthly over-payments including additional Escrow inher monthly mortgage note. Chase is being " sarcastic '' per se by continuing to back the Underwriters figuresas correct as calculated but had they been given thecorrect Escrow figures this would not have been anissue for homeowner. But Chase refused to give theUnderwriters the correct figures by easily running anew escrow analysis like XXXX XXXX planned. TheEscrow Analysis they used was XX/XX/XXXX & theModification was not done until XX/XX/XXXX. Seeletter to Chase Atty XXXX XXXX, Notice to Dispute theDismissed Modification # XXXX, Summary of Actions, Monthly Payment Details

Company response to consumer: Closed with explanation