Consumer complaint received 2016-05-06
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XX/XX/XXXX, I called Chase Bank to inquire about the bank stopping my PMI payment, since the bank automatically deducts the mortgage payment out of of one of my bank accounts I was under the impression that it was being done. 
XX/XX/XXXX, I started taking a look at my bank transactions and found out that that I was still making PMI payments, so I called the bank again to inquire about the PMI payment and was told by a bank representative that the bank would not stop the PMI payment because I was delinquent in my mortgage payment, so I told the representative how could that be since the I signed up for automatic payments to be taken out of the bank account, not did I set up automatic payments, I also authorized the bank to take another extra {$100.00} out automatically to applty towards my principal every month so that I could pay the mortgage off faster. Well I asked the representative to send me a copy of my mortgage history, in which she did. When she sent me the the mortgage history, I discovered some fiqures with a negative sign in front of some of the payments, that 's what made me to go over my whole mortgage co contract. When I decided to do that, is when I found out that Chase bank had done some shady things to the account. First when I contacted XXXX XX/XX/XXXX, I had a mortgage with XXXX company. I had a Mortgage note for {$63000.00}, and an equity line of credit for {$10000.00} which brought the total that I owed to {$73000.00}, since I was already a con- sumer at bank one I decided to allow them to refinance my property to a 30 year fixed mortgage, so instead of two separate payments, I could combine the two to one mortgage payment. this is what I thought, but low and behold about 2 months after I closed on that transaction after paying all closing costs and fees, I find out that the representative had set me up with an equity line of credit. I returned to the bank and told them of their blunder and assuming that they would do the right thing, they ended up refinancing my mortgage once again and charging me closing cost and fees for their blunder. Not only that, I depos deposited a check for {$18.00}, XXXX into a checking account, now this was my own commission check that I deposited with them, but they set this transaction up as though it was a check that they had loan me. I have all the documenta- that I need in order to prove this, they can not come up with any evidence say- that they loaned me anything, I wrote the office of attorney general XXXX XXXX and they were trying to help to resolve this matter, but Chase bank refuses to acknowledge their blunder and pay me back what they owe me. 
They also said that the automated payment of {$100.00} towards my principal bal- ance that I had authorized them to take from my bank account, they said that I au told them to stop the payment, well I would like to see proof of that as well because I have the proof where I authorized them to start it, but I never gave authorization for them to stop this payment. I need help to stop these banks banks from abusing and taking advantage of XXXX or maybe they like people are so uneducated that they just would n't notice, so that 's why I started investigating into this, and I know that they should be reprimanded for actions such as this, and believe me I know for a fact that I was n't the first and I wo n't be the last, I have all my documentation, I was directed to you by the office of the Most Honorable XXXX XXXX, and I 'm glad that they did.

Company response to consumer: Closed with explanation