, Chase product protector failure to pay in XXXX 2007 in fact illustrates how Chase merely created or marketed products which were nothing but consumer fraud. Chase product protector also increased risk of mortgage failure for Chase refused to consider XXXX demands for Chase help while Chase aggressively pursued collections on sums Product protector were in fact liable for and if not liable for were fraudulently marketed with Chase aid as product that did not meet advertising or marketing claims. Thus again Chase and Product protector were misleading XXXX as to benefits concerning products Chase advanced as PROTECTION paid for by XXXX. In fact product protector failure to pay claims for hospitalization stay of three months based on XXXX XXXX inability due to hospitalization to return claims mailed to address XXXX was not physically at due to hospitalization. Both Product protector and Chase stated in effect hospitalization was no excuse for not returning claim forms mailed to address XXXX was not at due to hospitalization. Fraud product representations both by Chase and Product Protector which Chase marketed by Chase checks to XXXX XXXX and through advertisement and US mail to customers across state lines. Product marketing of fraud in violation of Florida XXXX law, state insurance law and other Florida law in case of XXXX. Note failure of Chase product failure to pay hospital claim of XXXX and Chase refusal to assist XXXX XXXX When XXXX had product protector fraud protection and credit protection also was fraud denial of benefits XXXX had paid for and told he could expect from Chase. In fact Chase knows they did not provide and have stated same in correspondence to XXXX but did nothing to correct harm done to XXXX or investors. However Chase did falsely use credit reporting as excuse to decrease XXXX home equity account also fraudulent representations of material fact for real reason Chase reduced equity account is because account was based on fraudulent representations of appraisal fraud and in fact was a liar loan created by Chase. XXXX XXXX denied help to correct failure of product protector, fraud protector, and credit protector. Chase instead told XXXX regardless he was hospitalized and forms mailed to his unoccupied residence XXXX must pay which XXXX did pay as agreed by Chase collections representatives. Chase products ended up being nothing but fraud and activating product protector hospitalization ended up fraudulently not paying claim as promised prior to hospitalization. Reason given FORMS not return within 30 days. Well hospital stay was three months. Chase used this credit for credit reporting and for reduction in home equity account with fund available for use over XXXX XXXX XXXX to XXXX, without notice causing returned checks and great harm to XXXX. In fact the equity account was a offer made to XXXX to not cancel Primary note of XXXX 2007. Equity account created by verbal authority only. Only later in XXXX did Chase send XXXX Mortgage to sign twice then a letter stating Chase did not need XXXX to sign. All this while XXXX hospitalized out of state in VA hospital. In short Chase broke all agreements concerning mortages then aggressively attacked XXXX using many clauses in order for Chase to sale Primary note and close out risk of equity. Creation of both primary note and equity account in XXXX 2007 were base in fraudulent representations and warrants all so Chase could gain short term profits and externalize risk of XXXX dollar equity account to investors by means of sale to XXXX XXXX in XXXX XXXX allowing Chase to gain again by servicing account and charging fees and insurance premiums etc to XXXX account . XXXX has been swindled pure and simple from his home of over thirty years.