Consumer complaint received 2016-11-18
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank has devastated my credit profile by falsely reporting " 30, 60, 90, 120 day lates, '' and " foreclosure started '', continually since XX/XX/XXXX. I had a XXXX " excellent '' credit score then. I have a 1st and 2nd/HELOC mortgage. I 've never missed a mortgage payment but Chase Bank continues to report late and past due payments. With proof of my timely payments, I recently argued with Chase customer service reps until they admitted they misapplied my mortgage payment to the wrong loan. I 've contacted the Chase attorney and customer service reps. I 've lost financial opportunities to grow my small business and to purchase a property I have the option on with over {$200000.00} in equity. No lender will finance me. Chase Bank has also trapped me in a HELOC interest only 8.5 % - 18 % by reporting false payment history to the credit bureaus. I ca n't refinance the property to get away from Chase Bank 's reprehensible loan servicing. In XX/XX/XXXX, Chase Bank constructed a false non-judicial foreclosure of our family home by falsely claiming I did not make mortgage payments for XX/XX/XXXX, XX/XX/XXXX. I was forced to file a lawsuit. In discovery, we obtained Chase records that prove that Chase indeed did receive my mortgage payments for XX/XX/XXXX & XX/XX/XXXX -- the bank is so financially powerful honest consumers like myself ca n't stand up to them. The XXXX fighting to keep my home for XXXX years negatively affected my health -- XXXX. XXXX All the attorneys I hired to help me fight this case ripped me off by taking the retainer and then made up an excuse to withdraw from the case. I want to trust my attorney but I 've learned you ca n't trust anyone who does n't fear any accountability for lying -- and attorneys are educated to " lie '' without batting an eye. The CA. State Bar does little or nothing to protect consumers from rip-off attorneys. I 've spent over five years fighting for our family home. On XX/XX/XXXX, about a week before a jury trial, Chase settled with me out of court. But then Chase Bank breached the settlement agreement and today continues to report false information to the credit bureaus that again stop me from obtaining any kind of reasonable credit. I ca n't purchase a newer used vehicle, ca n't rent or buy property, ca n't lease a vehicle and about a dozen more things only because my credit history with Chase Bank. My Chase Bank loan will adjust with the upcoming rate increase and then I 'll be unable to pay our bills and mortgage -- -my family and I will be in the negative and my credit will ruined further. I just turned XXXX years old. I do n't see any way out of this. Our politicians wo n't help. I tried to put out a press release but the PR agencies wo n't run them ( but they run others by big corporate clients -- not us little guys ) On or about XXXX XXXX, California Attorney General XXXX XXXX XXXX made a XXXX dollar deal for California consumers. That settlement agreement was to repay mistreated California homeowners for unjust foreclosure process by the banks -- Independent Foreclosure Review -- that truthfully -- XXXX -- I got a check for about {$700.00}. No one helps us. I ca n't fight & recover from my XXXX. I 've applied for a Chase Bank loan modification about three times and was denied -- one of the reasons " credit score. '' Chase Bank created this trap. Chase falsely reports to the credit bureaus & brings my score down to prohibit me from getting a reasonable loan from Chase or any bank. Chase Bank benefits by holding my credit hostage as the Chase Bank HELOC loan interest rate rises and I 'm forced to pay because no bank, not even Chase, will give me financing because of my credit history -- -falsely reported by Chase Bank . Is n't this XXXX FINANCIAL ABUSE? in addition to other wrongs?