Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AR)

i missed a payment from that point on it been down hill, it was cause from medical, but this is where i can't get CHASE to understand, they back track ever payment, In XXXX i made a payment XXXX that got returned to my bank for unsificant sunds, so i broke the payment down XX/XX/XXXX DD : CHASEHOMEFINANCE-LN PMT Funding Reversal - {$220.00} XX/XX/XXXX DD : CHASEHOMEFINANCE-LN PMT Funding Reversal - {$300.00} XX/XX/XXXX DD : CHASEHOMEFINANCE-LN PMT Funding Reversal - {$600.00} that what i did pay for XX/XX/XXXX the XXXX payment should of XXXX should have gone to XXXX payment and the XXXX should have went for XXXX payment with some in suspense, my payment history shows all the payments on my debit card, XX/XX/XXXX DD : CHASEHOMEFINANCE-LN PMT Funding Reversal - {$480.00}, this is copy of my payments Date Description Amount Unapplied Open information dialog : Unapplied funds Balance XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$68000.00} XX/XX/XXXX PAYMENT {$600.00} {$600.00} {$68000.00} XX/XX/XXXX Inspection/Property Maintenance Cost - Disbursement {$15.00} {$0.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$68000.00} XX/XX/XXXX PAYMENT {$300.00} {$300.00} {$68000.00} XX/XX/XXXX RETURNED ITEM {$0.00} {$1200.00} {$68000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$480.00} {$68000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$480.00} {$68000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$68000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$480.00} {$68000.00} XX/XX/XXXX NSF FEE ASSESSED {$0.00} {$0.00} Not available XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$68000.00} XX/XX/XXXX PAYMENT {$220.00} {$220.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$0.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$960.00} {$68000.00} XX/XX/XXXX PAYMENT {$1200.00} {$1200.00} {$68000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$7.00} {$0.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$68000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$0.00} {$69000.00} XX/XX/XXXX LATE CHARGE WAIVED {$31.00} {$0.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX LATE CHARGE ASSESSED {$15.00} {$0.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX LATE CHARGE ASSESSED {$15.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$0.00} {$69000.00} XX/XX/XXXX RETURNED ITEM {$0.00} {$500.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$480.00} {$69000.00} XX/XX/XXXX NSF FEE ASSESSED {$0.00} {$0.00} Not available XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$480.00} {$69000.00} XX/XX/XXXX PAYMENT {$500.00} {$500.00} {$69000.00} XX/XX/XXXX LATE CHARGE WAIVED {$15.00} {$0.00} {$69000.00} XX/XX/XXXX LATE CHARGE ASSESSED {$15.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PRINCIPAL PAYMENT {$0.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$480.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX MISAPPLICATION REVERSAL {$0.00} {$0.00} {$69000.00} XX/XX/XXXX PRINCIPAL PAYMENT {$0.00} {$0.00} {$69000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$69000.00} XX/XX/XXXX PAYMENT {$480.00} {$0.00} but this is what they say i owe XX/XX/XXXX Amount due This doesn't include any late fees or other charges that may have accrued on your account. This doesn't include any late fees or other charges that may have accrued on your account. 
{$960.00} my monthly payment is XXXX my interest on my home is 3.75 after i did a modification but i checked today XXXX i am paying more my interest on the home when i did my modification come down to 3.75 fixed, in XXXX how come i paying more than they said XXXX in interest,., they say i am behind two payment and i can not get them to work with me and understand that i am only behind one and i only owe XXXX for XX/XX/XXXX my payments should have been lower at 3.75 fixed so CHASE is charging me a higher interest than what was a fixed rate after modification, and some the balance on the home goes down and then back up, how can they raise your balance Loan number, XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX phone XXXX this payment was returned to my bank for insufficient funds, XX/XX/XXXX PAYMENT {$1200.00} {$1200.00} {$68000.00} but in XXXX i came back and made three payment XXXX XXXX and XXXX so that should have covered the the fund insufficient funds and put be me for XXXX for XXXX from payments in suspense fund, CHase has got my account messed up and living on XXXX this is killing me and be overcharged in interest doesn't help me any