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

This is a situation of being ignored by Chase bank to try and make them see facts!! I have not missed any payments nor have been late. XXXX on XXXX XXXX, XXXX at XXXX I spoke to the rep that called me from Chase ( not catch her name ). She told me that I have until the XXXX to make payment, the actual loan due date is the XXXX ( not the XXXX ) with XXXX day grace period. See ( attached ) XXXX XXXX statement with due date. The issue of missing payments and or being late is also wrong!! please see attached showing my bank statements going back to XXXX XXXX, no missing payments nor late.. Also attached is a letter from Chase HAD Research XXXX XXXX Department ( dated XXXX XXXX XXXX ) apologizing for not posting this payment on time and also I am told that the late charges ( not being removed ) may have started Because of this. My present XXXX XXXX report page ( attached ) shows that Chase is telling that I am late since XXXX XXXX. I have also attached My bank statements showing all payments each month and on time since that time. I am outraged that no one is looking at my evidences. I am about to be fraudulently foreclosed on because Chase Bank is a ______________. I am at the public libraries with a XXXX yr old car ( in need of repair ) with no monies for gas and my days are spent here because I am being XXXX out of my home by a _________________, that calls itself JP Morgan Chase. I am requesting ( as told by the FTC ) to complain again, to the CFPB and supply all of my docs. I am about to try to do this. I am XXXX yrs old legally XXXX being severly abused by Chase being put through all of this. The executive offices of Chase are not doing their jobs or maybe they are doing as they are told ( wrongfully ) by not appropriately responding to my complaints, instead keep pressuring me to make more payments on a loan that is a full of wrongs and mistakes/ predator while denying me the documents I need to expose what is going on here. I also recently have complained to the XXXX about XXXX the owner investor of this ________ loan to have XXXX turn over the audit ( to XXXX office, XXXX did on XXXX XXXX ) ( and Chase docs from XXXX XXXX XXXX ) showing the wrongs with this loan and that I am owed big monies for wrongful accounting. MY statement to you is that I have not missed payments ( even though Chase told the credit bureaus that I did ) and I have not been late either and demand my Consumer Rights!! to prove myself, within my resources ( tiny fixed income ) and not tell me that I need to FAX or make and send copies ( can not afford to do ) to them. The CFPB has been kept updated on my payments from over XXXX yrs ago and current showing I am accurate, and Chase Is NOT!!! 
Please review all of the attached I am being XXXX out of my home. That escrow account that I paid into was between that same time ( XXXX XXXX XXXX -- {$3000.00} ) and Chase put it to the balance after hiding it into a suspense account. Once again to tell you that they are still double billing me for it at a pace of {$57.00} -- XXXX {$58.00} -- p/mn for XXXX yrs. This is also why they are saying I am late because I am not paying that {$3000.00} again being tacked onto my monthly payment which wrongfully also includes the principal and interest ( overcharged at 5.5 % ARM loan ) booting the monthly payment up to {$420.00} per month. Please examine all carefully, If I did not fully attach all of my docs please contact me at XXXX ( answering machine on while out- usually here! ). I never went to college and am seriously stressing out and am concerned Chase may push me into an XXXX XXXX or another XXXX, maybe that is their goal!!!!! XXXX XXXX previously of " XXXX '' Housing -- - XXXX, XXXX, is the housing counselor that I had whom also did banking and knows these loans, she told me it is a " True Predator '' loan and that the whole principal be forgiven