Consumer complaint received 2015-06-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Last XXXX, 2014, I was checking my Chase checking account balance online. To my surprise, I noticed a charge of approximately {$1500.00}, that was trying to be put through. Fortunately, it did not go through. I did not/could not identify who was trying to put the charge through. I called Chase, whom I bank with. I was told that they could not identify who was attempting to try to take money out of my checking account, without my knowledge. I assured them that I did not authorize the charge, and they assured me that the charge would not go through, and that they would reverse the service charge that I was charged. OK, problem resolved. Far from that. I have a mortgage, with my Father, on a piece of rental property that he owns. My Father is aging, and his XXXX, so I have been taking care of his personal/business affairs. To my surprise, I received the mortgage statement from the mortgage company that holds the mortgage/note on the piece of rental property. They were the ones that had tried to put through a payment out my account for a mortgage payment ; Chase Mortgage. I contacted them to see why they had tried to do this without my knowledge. They told me that they had contacted my Father, which my Father does not remember, and that he had authorized the payment, out of my account, that my Father does not have his name on, nor does he have any authority to withdraw any funds from. Chase Banking could not identify Chase Mortgage????? I contacted Chase mortgage to try to get this matter resolved amicably. I spoke with several representative from Chase mortgage, and requested that a resolution would be to forgive the approximately {$1500.00} that we were behind on our payments. They stated that they did not have the authority to do that, and to contact Chase corporate. They gave me the proper contact information, so I thought. XXXX, no response ; XXXX, no response ; XXXX, no response from Chase. I did receive a letter from a collection company in XXXX ; they said that they are an attorney 's office. If this is an attorney 's office, that explains a lot about our legal system. Over the next 2 months, they sent letters from numerous people, whom I tried to contact, with no response from them. Finally, I did get a call back, and was able to talk to someone, who assured me, that they were the contact person. I give him credit, Chase corporate, did get back to me. Their finding was that they did nothing improperly. Really ; the person that I spoke to in XXXX, after an investigation, stated that they acted improperly. The property is currently in foreclosure, which is a side issue. If Chase corporate had made an attempt to get this matter resolved, we ( us or Chase ) would not be in this situation. This explains a lot about why our banking system is in the shape that they are in. I do have all contacts, documentation, the contacts that I spoke with, and the dates. ( Chase, the collection company, and supposed attorney firm. ) How many other people has this happened to? How many other people have the means to pursue this? Worse then that, how many other people are not aware that they have been deceived?

Company response to consumer: Closed with explanation