Consumer complaint received 2015-11-10
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase Home Finance has been since XX/XX/XXXX, showing me behind on my mortgage payments. I bought my house XX/XX/XXXX, and made my first payment to XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX, I receive a statement from Chase home Finance stating that I am behind approximately {$3300.00} on a XXXX XXXX, XXXX statement. I start disputing this information not only with Chase but with XXXX XXXX XXXX. XX/XX/XXXX, I receive an apology letter from XXXX XXXX XXXX stating that I have not been behind on my payments, all payments have been made on time to date. I thought the issue was resolved. it was not. XX/XX/XXXX, I receive a statement from Chase Home Finance stating I am approximately {$3300.00} behind dated XX/XX/XXXX. XX/XX/XXXX, I receive a second statement from Chase stating I am approximately {$5400.00} behind, dated XX/XX/XXXX. One day later, 24 hours apart, both letters are in accurate. there is no way on earth, within a 24 hour period, could I be behind a difference of over {$2500.00}? I have paid all payments via XXXX XXXX and I have all original records. XX/XX/XXXX, I pay my payment, and later that month receive a letter from XXXX XXXX stating Chase Refused my payment. I sent in two payment in XX/XX/XXXX and again I receive a letter from XXXX XXXX stating Chase refuse my payment. I finally contact customer service XX/XX/XXXX or XX/XX/XXXX and THEY TELL ME they are taking me through a modification. I state " NO you are not, I have been paying my payments, I am not behind, leave me alone. I fight with them for two months, at which time I gave in and said fine. It takes Chase another 6 months or more to approve me, the modification took my payment from {$1100.00} to {$1000.00} and now I am behind because of Chase failure to accept my payments in XX/XX/XXXX and XX/XX/XXXX. 
I have went to the Nevada Foreclosure Mediation with Chase XX/XX/XXXX to no avail. prior to the mediation, I pulled all my original records and performed a complete financial audit of my entire account since day one, along with all statements associated with those payments. My accounting came within {$380.00} of Chase numbers, meaning, Chase has been debiting my account instead of crediting my account. For Example, XX/XX/XXXX, I paid a {$1000.00} payment to Chase, the very next month, my XX/XX/XXXX statement shows a credit of {$0.00}. XXXX Penny, they credited me XXXX penny, not the {$1000.00} payment, but XXXX penny??? Chase 's was suppose to do a complete financial audit of my account. I receive a telephone XX/XX/XXXX, from XXXX from the Executive Offices for Chase, and she said " XXXX XXXX, you are correct about the amount we said you owed, you only owe approximately {$8600.00} from XXXX XXXX to date, not the {$12000.00} we said you owed. '' That is one example, in a line of examples that I can prove with documentation that Chase has been fraudulently trying to foreclose on my home. I attach all documentation with the financial audit I did, the spreadsheet and all attached back up of all payments for your review. I need help with Chase because they just denied me a modification due to my other modification that I should not have went through to begin with. XX/XX/XXXX, I had a credit of over {$2000.00} when they refused my payments, stating I was behind and they were going to take me through a loan modification. I did not want that one, and it took them over 6 months or more, to approve it. meanwhile, I am getting further behind on my mortgage payments, due to no fault of my own. I attach all documentation for your review and have much more if you need it. thank you. 
Now, since XX/XX/XXXX, Chase is claiming I am behind in my mortgage payments of over {$48000.00}, and during my XX/XX/XXXX modification, place a XXXX lien on my home for over {$42000.00}.

Company response to consumer: Closed with explanation