Consumer complaint received 2016-02-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

Chase is sending a letter in their resolution to my complaint stemming over 5 years with them and now referencing regulation X as their reasoning when they have never mentioned before. I have reviewed regulation X and they have clearly violated. their documents submitted are altered forms and do not match my originals first off! noted reg X to try and hide behind it for their fraudulent foreclosure they did. they started foreclosure before 3 months on my account and the 3 months past due was due to their mistake. They took the lump sum pmnt made to the refinance dept used for them and removed from my acct made it look like escrow in default 3 days after new loan started. then XX/XX/XXXX put it back in and claimed at that point they accelerated foreclosure already so I would have had to reinstate acct at that time according to foreclosure review they made linked on old complaints of mine. just review their responses they are all over look at my other complaints CFPB! never disclosed this during process of taking my home and my documents prove they actually violated reg X!. they have sent CFPB XXXX copies of same harmon law letter but FAIL to include the one sent to me in XX/XX/XXXX from attorney at harmon law that threatened removal by sheriff where is the documents from harmon law as well stating in foreclosure while making pmnts to Chase and told loan was in good standing! how would I as a consumer know they were doing what they were doing if I had to call in my pmnts for new loan because they had n't began to send proper statements and disclosure to me yet and phone reps told me acct was fine. they continually fail to provide proper documentation to FCPB to my complaint. when rep couldnt get pmnt to post on XXXX pmnt said something is seriously wrong here. Chase has also stopped resolution each time I state a figure they request from me as they have NO intentions of settling with me yet state on letter I have not responded it is a blatant lie I have contacted all XXXX attorneys they assigned and each was told my responses. Also, the documents sent to me XXXX are the altered transaction compared to the originals I have direct from chase in XX/XX/XXXX and XX/XX/XXXX requested from them. They have removed the foreclosure fees, attorney fees, late charges and misc fees all charged during both pretrial and final modification timeframe. they also state on letter they never received a complete loan modification timely from me prior to foreclosure sale?!! they are seriously messed up in their depts. this whole issue is pertaining to XXXX depts within chase monitoring my acct XXXX had bad WAMU info following after their takeover other was monitoring my new loan with them. even their executive office cant get their act together! why has n't CFPB done an investigation at this point. the extent of errors on this XXXX loan is disgusting never mind what they must have done to so many other consumers such as myself. Chase offered resolution of XXXX conveniently close to amount they took from my acct as a duplicate deposit and was my money sent during pretrial to qualify for modification and go into escrow then removed the amount causing deficit that was the basis of their holding all my pmnts made in a suspense account in a loss mitigation dept while I was told all was ok with my account and no statements or disclosure sent to me only statements with bankruptcy info which I was not in!! I refused the XXXX settlement and asked by attorney XXXX XXXX ( as well as same process with other XXXX attorneys ) what did I want to go back to Chase with I stated same as before the amount they stole, value of my home last appraisal at XXXX!! they then sent letter stating i refused offer and find they have no fault. as I stated before I will continue complaints and CFPB should be doing reasonable investigations into their acts