Consumer complaint received 2015-07-29
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
this is a complaint I also filed with the XXXX whereas XXXX is the owner/investor : I have been for over 2 yrs fighting with Chase/XXXX XXXX and recently had XXXX XXXX Office request the " audit '' that XXXX did last XX/XX/XXXX. Her office was denied not only a copy, but denied awareness of its existence that would prove that I am being robbed ( predator loan ) by Chase Bank ( servicer/lender ). I just days ago requested again the same request through Senator XXXX XXXX office and am waiting for a XXXX response. Yesterday at approximately XXXX I received a call from Collections Dept at Chase ( XXXX ) the representatives name I think was XXXX? Anyway, during the conversation he instilled a considerable amount of emotional terror ( XXXX yrs old and legally XXXX ) in me!!. Among his questions were the following : Are you alone in the house? Is there anyone with you living there? Do you live in the house everyday of the month? He made Many comments including, " I would hate to see you loose your home over {$58.00} '' ( escrow conflict and ETC ..., I am refusing to XXXX time pay it, while Chase stole $ XXXX and are denying it ). " I have seen cases where the homeowners also refused to pay and many of them were foreclosed on without any notice, sometimes they can be outside your door while you sleep at night '', they can come in while you are out, etc ... .. He told me that sometimes " without any notice to the homeowners, the properties can be sold out from under you, until the sheriff shows up at your door, to give you 30 day eviction notice ''. I am here requesting the XXXX retrieve this phone conversation call. I argued with him for maybe XXXX minutes and by the end of the call I was barely breathing, with extreme FEAR!!! to not leave my home- I may be locked out when I try to get back in. I also put many NO TRESPASS signs around my home, compelling my neighbors to question my " mental state ''. I am not only living in pure anger/fear for XXXX XXXX Chase banks attempts to get away with cramming down my throat a bad/predator loan that THEY owe ME a fortune on, but in constant fear of being discretely silently denied access to my only home. I am here again at the public libraries with my sickly 17 yr old car, no monies for gas, with no monies for my XXXX medication, XXXX yrs old-legally XXXX, XXXX and humid, no home AC and none in my car, with no chance of trying to take care of myself without feeling XXXX, financially XXXX/abused as well as well as damages esculating from all of this insane abuse. I no longer want their ( predatorial ) assistance on this loan. Their last offer did not accomodate the wrongful accounting, monies/ abuses etc.. wrongs, but was a modification offer on what I do Not owe!!!, for a 3 month Only term, ( with a monthly payment amount, forcing me to continue to borrow from those close to me, as I have been doing for years, now causing problems to them financially ). I am totally confident that if I can find an attorney to help me ( $ $? ) with the appropriate expertise, I can sue not only Chase Bank, but also XXXX for their also horrible ( I can prove ) behaviors towards me for XXXX of dollars in damages, as well as abuses both financially as well as punitive pain and suffering, etc ... .. This is Chase loan # XXXX in XX/XX/XXXX among Many other things. I did NOT have my own attorney. The realtor told me to use the sellers attorney.. My XXXX loan ( equity credit line ) with Chase ( only ) will end up costing me 75 % interest!!! if I go the whole 30 yr term. Chase Bank as well as XXXX should be run out of the country and not allowed to continue business as usual. I have met and spoken to many with similar problems like mine with both of these same " businesses '' .Also, filed XXXX complaints w/CFPB sinceXX/XX/XXXX

Company response to consumer: Closed with explanation