Consumer complaint received 2015-11-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I recieved letter from chase on XX/XX/XXXX. Regarding a letter I sent honorable XXXX XXXX ny attorney general and Consumer Financial Protection Bearu dated XX/XX/XXXX case number XXXX. 
Chase claims they looked at ordinations of loan and there was nothing wrong. The originator of loan was with XXXX. XXXX told me my payments would be XXXX escrow and XXXX principal. Due to my low income I did not qualify for loan. XXXX lowered the escrow amount to qualify me for loan. Latter when my payment was raised to XXXX I asked XXXX why. They said they forgot XXXX lease payment. Not True. XXXXlease is written on my original papers. Chase stated in their letter dated XX/XX/XXXX that this was due to fee and late payments. 
Chase refers to foreclosure court in XXXX county Judge XXXX as judgement was in their favor. Chase did not present note instead some papers they put together. I was told I was not allowed to go in. I never saw these papers. I asked chase in multiple letters to consumer finance to grant mea copy but near recieved one. During this time with judge the FTC ruling prohibiting chase from starting foreclosure until all disputes were settled.judge XXXX seen court ruling was in Texas and did not apply here. There also where XXXX modifications chase presented to court and chase misrepresented why they happened. 
I never recieved anything about XXXX lease not being paid in three years and now collecting interest daily. When I called the executive office of Chase they said the XXXX lease was never paid out of escrow. Chase stated they did not have to follow FTC ruling because there were no disputes when they filed foreclosure. When I sent proof of this I still have heard nothing of this issue. I asked for amount of modification fee and lawyers fees that were added to escrow and again no response. 
I was denied modification. And no one from that dept. has called me in months. 
I sent documentation of tax sale certificate where I was charged all penalties and intense Chase simply says did n't happen. 
In this letter dated XX/XX/XXXX it states I have been trying to dispute payment increase since XX/XX/XXXX. But referencing the FTC ruling against EMC servicers that chase says they do n't have to follow because there were no disputes at the time. 
In XX/XX/XXXX EMC stated they would not foreclose on me I did n't owe enough money. EMC stopped paying taxes and I took over paying taxes for 3 years until Chase took over loan. Do n't know if the taxes I paid were also added to escrow chase wo n't answer me. 
Chase has refused to respond to any disputes or paper work I needed. Chase has misrepresented the truth in court. I ask and ask and Chase ignores all my request. The executive office at chase that I can call with questions does not know anything about my mortgage. Is this what the guilty banks do? Do n't answer, say it did n't happen, show bogus papers to a judge and hope he accepts them as owner ship of my note. I have sent fact based complaints and have recieved nothing they did n't do it or chase just ignores me. I can not consider a modification unless chase works with me to settle these and other disputes. The amount that chase says I owe is crazy outrageous. Chase continue to misrepresent to Judge XXXX, ignore FTC, and letters sent to consumer financial burea.

Company response to consumer: Closed with explanation