Consumer complaint received 2015-08-13
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I have a Loan second Loan with chase bank andI have a Insurance policy XXXX XXXX XXXX XXXX including XXXX Full and Partial ) Bronze Package with Chases Since XXXX with a face value of $ XXXX Which originated from Chase in XXXX/XXXX/XXXX and was removed automatic from my mortgage account as optional insurance {$6.00} per month on my monthly statements since XXXX/XXXX/XXXX today XXXX XXXX XXXX is still being paid for the Policy. XXXX Policy Holder is name is Chase for Face value {$33.00}. balance on the account is {$16.00}. 
Oringinally with XXXX Bank XXXX than Purchased by Chase Bank some XXXX/XXXX/XXXX There are two year of payments missing not posted to this account, between ( XXXX through the first payment of XXXX/XXXX/XXXX ofn Chase Bank Schedule of payments. 
In XXXX, I was ask to purchased to purchased this policy by Chase Bank and never asked for a medical exam, medical records to forward. I raised may concerns regarding the policy, I was informed, the mortgage would be covered if you became XXXX and or pass. 
In XXXX XXXX, XXXX, I was informed By the XXXX, I was decleared XXXX. I did nothing wrong, I did not purchase this policy when I was XXXX. I am not a mid - reader, Social Security could have told me that no. XXXX XXXX XXXX did not ask for medical records, medical exam. I was in two additional XXXX XXXX, XXXX, which never taken into consideration. My doctors have supplied more than enough medical evidence to support this XXXX. XXXX XXXX XXXX policy is vague there a 90 day waiting period. due to the fact that social security has such a long period of waiting time and pro rate this is not my issue, Chase and XXXX XXXX XXXX are responsible for the payout for the XXXX policy. At the time I was not decleared XXXX by Social Security in XXXX this policy stand good through form XXXX/XXXX/XXXX to date regarding the total XXXX. 
At one point XXXX Chase Bank was starting foreclose proceedings, knowing I had this insurance policy in place and never called me to use it for coverage XXXX partial XXXX ). I had to borrow the monies and hire an attorney to deal with in order not to lose my home. Chase bank was well aware of the insurance policy it was in my monthly insurance statement. Chase Bank never recommended the XXXX policy to me. I never thouth of it. It was not until XXXX XXXX Chase sent me a letter stating chase would stop removing the XXXX and partial and Life Policy did I remember this policy, so I called, It been nothig but a hassle, scam, and XXXX XXXX XXXX I was not covered at the time, Chase Bank they have nothing to do with it. Chase Bank Signed me up with XXXX XXXX XXXX and Chase Bank is just as responsible. I hae been paying a 7.4 % interest rate to high due to the XXXX. Chase has been make a fool of me since XXXX/XXXX/XXXX. and XXXX people with the selling of these insurance policies and XXXX XXXX XXXX along with them. there is not reason I should be still trying to get this paid after 2.5 years and they are terms and agreement they will not follow. No bank should be a vacuum to XXXX people. I sure ther are law that are in place for such this Insurance companies and banks. this Bank and insurance company feel they do not have to comply. I beg to differ. Chase XXXX XXXX XXXX XXXX have sucked the life out of me and I have suffer enough damage and emotional distress over this. I have any an all documents you may need.

Company response to consumer: Closed with explanation