Consumer complaint received 2015-05-14
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I opend a mortgage with Washington Mutual in XXXX. Since then the loan has been transferred on several occasions and ended up with Chase. The experience with Chase was a complete nightmare and even though our loan was part of forgiveness due to the DOJ settlement, this mortgage continues to haunt me and my family. 

It is reporting on my credit report as settled for less than full balance as well as a charge off and it 's making it impossible for me to purchase a new home. They have threatened foreclosure on so many different occassions even though the mortgage was paid. They were applying the payments I was making to the escrow account rather than the mortgage. Also the balance has done nothing but increase. The original amount borrowed was only {$75000.00} and at the time of forgiveness ( 17 years after the mortgage was opened ) they claim the balance was {$95000.00} and that is why they are stating it was settled for less than full balance. I had a friend of mine working on this for me and she called an requested payment history on the account and from XXXX when the loan was with Washington Mutual, the produced payment history which is totally bogus, then Chase sent payment history from XXXX of XXXX and there is no principal balance anywhere on this payment history and it as well is totally bogus. There are times where it shows {$20.00} Fast Pay Fee and shows where it 's paid but then it shows the payment made for mortgage as {$0.00}. There are over {$20000.00} in corporate advances besides the escrow and taxes. Every time I turned around they were stating I had to {$4200.00} or {$3300.00} to prevent the house from going into foreclosure which had me very confused because after my Chapter XXXX Bankruptcy, I always paid my mortgage. I may have been a little late with it but I always paid it. Also, Chase completely left out all payment history for the years of XXXX, XXXX, and half of XXXX. Once my Bankruptcy was complete and discharged, Chase again, started foreclosure proceedings stating that I owed {$17000.00}. AGAIN THIS MAKES NO SENSE. Chase stated at the time that of transfer their was money missing and I was responsible for it. I had to come up with {$12000.00} again to prevent them from foreclosing on my home but this was in XXXX and of course they did n't include that payment history. Another thing that I noticed was in XXXX of XXXX Washington Mutual made a {$9700.00} which was added to my principal balance. Why would they suddenly add almost {$10000.00} to my mortgage? 

The same day I requested payment history back in XXXX I also requested copies of the note and all of my paperwork and they 've still yet to present any of this. The payment history they sent is completely inaccurate and it 's no wonder I owed {$20000.00} more than what I originally borrowed with all of the fees and advances they were giving themselves. 

The friend I gave written authorization to speak on my behalf, spent hours upon hours upon hours on the phone with Chase and was transferred to every department that exists including the Home Equity Line of Credit Department which I never had a Home Equity Line of Credit. The ladies response was " Oh sorry, here at Chase we are a little slow. '' I 'm having a hard time understanding how this account was forgiven by the DOJ due to the illegal activities that were taking place with this loan, but it 's still reporting on my credit report and preventing me from being able to move on with my life. I was always under the impression that fraudulent accounts where not allowed to report on the credit report but I guess I was wrong. 
I also requested a copy of something stating that this loan was part of the settlement and was involved with the DOJ but they stated they would n't be able to send me that either. Noone can answer any questions that I have and noon is willing to provide documentation.

Company response to consumer: Closed with explanation