Consumer complaint received 2015-08-14
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase bank has abused my mortgage account since the inception of my loan in XX/XX/XXXX. I have documented the escrow account abuse since XX/XX/XXXX, loan modification abuse in XX/XX/XXXX, ongoing unapplied funds abuse, and invented fees all which are causing me financial injury. I asked that the escrow account be cancelled, due to fraud and abuse, over the years as well as the loan be recalculated. Each time they denied me. In XX/XX/XXXX, manipulations of this account ( overcharging $ XXXX/month ) pushed me into foreclosure. I filed chapter XXXX to save the house. They still collect while I am in Chapter XXXX. At one point, they OVER collected my escrow by {$8000.00} to pay approximately {$2400.00} in liabilities. In other years, they overcollected $ XXXX $ XXXX in exaggerated escrow fees ( see letter attached ). They invented XXXX missing payments of arrears and double collected on those made up arrears by collecting from bankruptcy court and then charging me arrears in my loan modification. They created {$31000.00} of arrears for which there is no paper trail. They also have fake and inflated fees rolled into my loan, created by XXXX and XXXX who was sued by the State of Colorado and ordered to close due to fraudulent foreclosure charges. Additionally, Chase rolled fees into my loan ( upon which I am paying interest now compounded over 40 years ) that they admitted were double billed or inappropriately charged. They tried to just refund me the face value fee amount, not reduce the principal balance or reimburse me for the compounded interest I have paid on those fees. So, I am still paying interest on those made up fees and I have not been reimbursed for the compounded interest already paid on those fake fees. 
In my loan modification, they rolled a {$900.00} " escrow advance '' fee into my loan ( amortized over 40 years ) when that account already had over {$1200.00} surplus. Plus, they were already billing me a monthly escrow amount that would create more surplus. So, the {$900.00} is just outright theft and also trying to collect while I am in Chapter XXXX. In XX/XX/XXXX, they received some sort of {$220000.00} payoff to my account that remains unexplained as well. They keep money in unapplied funds instead of reducing my principal balance, and try to make up reasons why not to refund the over collected amount in the escrow account. The abuses are many. This has created extreme wealth extraction and stress related illness. 
I have documented some of the abuses in a XXXX page letter that I attached. Also, not in the letter is years of phone calls and letters sent to Chase where they denied or ignored that there was a problem. I have found XXXX cases against Chase ( that they lost ) with similar torts to mine. So, Chase can no longer deny that they engage in practices that caused me documentable financial injury. I laid out the case with over XXXX pages of documentation. I just need help getting justice. Chase refuses to look at my documentation. They keep saying they did not get it ( via fax and mail ), they ca n't open the cd I sent them with documentation due to a virus risk, and their fax did not receive all of the pages I sent even though I have confirmation they did receive the correspondence. 

Lastly, during the most egregious account abuse, they stopped giving me mortgage statements. I have requested back statements and they only send me an aggregate account that lists transactions - not mortgage balance increases. They have refused to mathematically review my account to recalculate misapplied payments. I believe this would make over a {$200000.00} difference in the life of my loan.

Company response to consumer: Closed with explanation