Consumer complaint received 2017-06-25
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to deal with JP Morgan Chase of NA numerous times, I previously had a trial modification in XX/XX/XXXX-XX/XX/XXXXwhereas I was wrongfully treated and I declined a Bogus offer of a permanent modification offer with wrongful accounting and numbers. Then I went through XXXX with XXXX XXXX on behalf of JP Morgan Chase of NA in XX/XX/XXXX whereas XXXX XXXX initiated another bad modification offer, I never initiated it instead a XXXX XXXX of XXXX XXXX deceitfully dropped it. I recently ( XX/XX/XXXX ) lost a Superior Court case against this bad loan ONLY because I have no monies for an attorney to properly ( lawyer like ) present my case to the judge. This leaving me in danger of JP Morgan Chases bad and abusive tactics and practices to take my home from me using Fraud and emotionally terrorizing tactics to get my home away from me for profit and also to hide the wrong and illegal practices within this bad ARM loan. I am presently also looking into my options to deal with this abuse legally! I am still also, presently be overcharged interest with this low interest cap ( 5.5 % ) on this ARM loan, see all attachments. While also last summer three of my mortgage payments were rejected to be sure it looks like I missed payments when in fact they were then rejected. There are three different mentions in writing from JP Morgan Chase of NA one stating 120 days missed another stating 6 months missed then still another letter stating up to date. JP Morgan Chase of NA is nuts and its accounting is beyond insane.. These are also in addition to 2 yrs ago the terrorizing note left on my door I already filed complaint with the CFPB on. The bottom line is that JP Morgan Chase of NA states in writing that XXXX XXXX owns this ARM loan when in fact XXXX XXXX does NOT own this loan. The representing attorney XXXX XXXX XXXX XXXX has copy of page 6 of the Office of the Inspector Generals Report showing that this is NOT a GSE loan. This fact in of itself proves JP Morgan Chase of NA not only can not foreclose on me " LEGALLY '' but also proves the existing attempts to commit fraud by ignoring this fact.. XXXX XXXX does NOT own this loan!! Please read all attachments by ignoring these documents further proves intentions of fraud to wrongfully foreclose on me!! I pay my own escrow whereas it is stated that JP Morgan Chase of NA does!! I do out of my own pocket! Also, the drive byes have started up again! causing me enormous duress that I could have a XXXX XXXX XXXX or another XXXX. In XX/XX/XXXX I sent in a Cease and Desist which is being ignored. These drive byes are being called " inspection costs '' further adding ( {$14.00} per month ) to this bad accounting but being listed as " Corporate Fees ''. This is a bad loan with too many wrongs and illegal practices to list causing this attempt at fraudulent foreclosure with bad wrongful accounting to try and terrorize me out of my home so that this fraud can happen by ridding of me. I am also concerned that another terrorizing door notice like the one already I filed complaint of in XX/XX/XXXX may be put on my door again, only this time I will take it to the local police dept if this occurs again. I am presently looking into my legal options to fight this attempt of fraud foreclosure before I am harmed not only financially but also emotionally and physically. This court decision I again will be taking legal recourse of by doing it in a more lawyer like fashion causing me enormous strains in many ways, even though it is very difficult as a XXXX yr old XXXX  XXXX woman with little to no financial resources to fight it, this also proving the abusiveness of JP Morgan Chase of NA. It is within my legal rights to fight for justice no matter how ugly the threat on me and the possibility of loss of life due to the excessive stresses and damages created by it to obtain justice and compensations.

Company response to consumer: Closed with explanation