Consumer complaint received 2015-12-19
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
dear sirs, I have owned my home, in XXXX, AZ out right, for 4 years and 6 months. I am on a fixed income on XXXX, social security. I have gone to XXXX or XXXX lenders, such as JP Morgan chase, XXXX XXXX XXXX XXXX, I have also inquired through lending tree.com and have had no luck in obtaining a Home Equity line or credit. I need a small amount of money to pay out my debt and this way, I can just have the bank to pay off, however, everyone wants to blame my credit scores, for which are not too bad, but although not as before my XXXX, I firmly believe that I should still be able to be approved for something. Everytime I discuss this with other people in the industry, I hear the same thing..illegal practices via discriminatory lending. Well, JP Morgan chase now also has taken my social security funds and have me on a XXXX right now because they keep insisting that an urgent care company insisted that I ran up a bill of {$150.00} for which I did not. I had my health insurance company also call their claims department to verify that I was wrongfully charged and that they were going to submit a cease and decist letter to the urgent care office which keeps dipping into my account without my consent. The bank clearly knows that my direct deposit comes directly through via social security and yet, they are not protecting my funds and also trying to accumulate interest and late fees on top of that too. I am furious, broke, I have bills piling up and now I have no more money for food for the rest of this month for XXXX. my son lost his job and we are in dyre need. Chase also was responsible for having me lose XXXX 3 years ago from an investment made to XXXX XXXX and never fully had any explanations for my losses. I am suffering with this because Now and rainy day monies I may have had, is completely gone because of them and now they are still doing this and getting away with it. Can someone please tell me who can help me with this problem and what are my chances on getting this dilemma settled.?? I pay all my creditors every month, with the exception of a few creditors because of this situation that has put me on the brink of unable to also being able to claim bankruptcy. I can not lose my home, which is, fully paid for outright just because of medical bills or creditors that were also conducting predatory lending knowing I was on XXXX but still sending me credit cards. I really need help with this. Why ca n't a XXXX single mother get a fair amount of a Home equity line of credit just to help me get back enough where I can breathe and sleep better at night? I can not file for bankruptcy because this state will force me to sell my house because they can only protect a certain amount of value of XXXX. My house has gone up in value, but I am in no position to move and I should not have to be put out just because of the unfairness of these lenders and these states that are failing to protect us fairly. please, please tell me where I can go for help? 
sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation