Consumer complaint received 2025-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Over the course of my mortgage with Chase Bank starting in XXXX, the bank improperly did not include additional amount to lower the principal balance, although I made additional payments every month they were never properly applied in a way to lower the unpaid balance. Beginning in XXXX XXXX, there were problems with the quote automated payment system, I asked him did you receive my monthly payment? And they would always say no, but instead up to XXXX payments per month were being made from my checking account. I walked into the bank to pay these payments, sometimes XXXX times per month in XXXX the automated payment system, continue to have problems and they were unable to apply my payments in an orderly fashion, sometime in XXXX, the bank informed me that I was in default, so I Requested that the police department follow me to the bank, and I walked in there with the XXXX XXXX XXXX sheriffs department at various times on XXXX occasions, and the quote bank loan officer, stated that I had sold my account and refinanced it and that my original account number belongs to someone else now I have never refinance My Mortgage over the XXXX  years that I owned it. It was the same account number yet they told me that my account my loan was refinanced and that is not true so frustrated. They never applied any of my additional amounts to my unpaid balance in an attempt to pay off my mortgage quicker And speed up the amateur process. My account remained the same for XXXX  years and all they ever did was split it into XXXX equal payments. I once received a I requested a transaction print out of every transaction ever made on my account and it does not show the additional amounts ever paid over the course of the XXXX  years I believe Ive paid my Mortgage off at least XXXX times over. Somebody committed fraud on my account. I was approached by a stranger at my front door and they said that somebody owns this home and your trash paces in it right now so I called the police again the XXXX XXXX XXXX XXXX XXXX XXXX sheriffs department XXXX division who accompany me to the local Chase Bank in XXXX XXXX on XXXX XXXX at XXXX XXXX, and I demanded to speak to the loan officer the police asked the teller. Why cant XXXX XXXX pay a payment on his mortgage? His home is in default because he cant make a payment on it? And the loan officer piped in and said XXXX XXXX you have refinance your Home mortgage and you should know it! And I said I beg the difference with you, sir I have never ever refinance my home loan OK? And in fact, somebody else committed fraud on my loan when I reported it to chase bank all they did was just give me a new loan number and I started again paying payments to avoid losing my home in foreclosure and they never ever ever got to the bottom of it so Im asking this agency to please investigate every financial transaction ever occurred on my loan. I will give you the account number when you requested it stay the same since it was XXXX XXXX XXXX  in XXXX, then it became XXXX  XXXX, and then finally it became Chase Bank and over the course of those XXXX banks. My account number stayed the same for the XXXX  years that I own that Mortgage but over the course starting in XXXX, there became problems with the automated payroll deduction system, and they never ever were able to resolve it so I walked into the bank on several occasions in XXXX, in XXXX, in XXXX and the bag told me that there were payments made to this particular Account number that I owe the only account number. Ive ever know some bank tellers told me that in fact up to XXXX payments were made in XXXX month, and I did that repeatedly because I only used XXXX  source for my payments and that would be my checking account that I had with Chase bank each and every month I would walk in there and go did you fix the auto payment system?, And they said theres no payment posted to your mortgage payment so I made it by hand And each month. I was making a payment for my checking account so somebody was probably saying well thank you XXXX XXXX for making a payment on my checking account which my mortgage account now thank you XXXX XXXX. Youre a nice guy for paying my mortgage payment this month! But Ill tell you maam, sir I only intended to pay my mortgage payment and only my mortgage payment not someone elses payment and not XXXX times a month thats why I said I think I believe Ive already paid my mortgage job at least XXXX times and they owe me hundreds of thousands of dollars back and I tend to get it back if I have to hire a lawyer! Ive tried this so many times I was exhausted but during XXXX  I succumb to XXXX  and almost XXXX XXXX XXXX  so during the time when I was in a XXXX XXXX, somebody fraudulently attempted or was successfully refinancing my my my account and the bank tried to cover it up and all they did was just Resume my loan with a different accounting number a different mortgage number, because the loan officer said that he told the XXXX XXXX XXXX sheriff department XXXX XXXX should know that he refinanced his mortgage payment because thats why he does not have that mortgage number anymore. That mortgage number owns is owned by someone else now and XXXX XXXX refinance. It is his mortgage and he should not so somebody fraudulently Attacked. My mortgage took out took out thousands and not hundreds of thousands of dollars and cash out and then I was only left with nothing to deal with but my XXXX mortgage, which was a new mortgage number and all the bank ever provided to me was a print out of XXXX equal payments paid over a XXXX  year. And thats not what happened I did receive XXXX  print out but it XXXX XXXX XXXX XXXX XXXX XXXX XXXX back in XXXX I believe OK so somebody committed fraud on my mortgage took XXXX of XXXX  of dollars with hundreds of thousands of dollars and a cash out but I continue to make payments For my checking account and only from my checking account so I have someway to to file the money trial OK and only until now and Ive been able to get all the XXXX XXXX  and physically able to attack this problem again, and I pray in the mighty name of XXXX that you folks help me out XXXX XXXX I pray that you help me out and youre mighty name to square up with a XXXX  XXXX XXXX, XXXX, city of XXXX  I pray your mighty name XXXX XXXX that you help me unravel this mess so I can be returned all the monies that were fraudulently stolen from me from Chase Bank, the loan officer, who fraudulently helped some criminals refinance, my home which Ive only owned and Ive lived in for XXXX  years! Nobody can kick me out of my home and I pray in your mighty name XXXX XXXX, did you help me unravel this mess in your mighty name XXXX XXXX I pray amen Thank you XXXX! And thank you, men and women of the XXXX  XXXX XXXX XXXX that you help me out I know theyre supposed to be a big case, but Ive tried to do it to success over the years. I even called the police department on XXXX occasions! And they accompanied me in my XXXX  to the chase bank on XXXX XXXX XXXX XXXX XXXX in the city of XXXX XXXX so help me XXXX. This is the truth, the whole truth and nothing but the truth so help me XXXX!! Thank you, XXXX that you unravel this mess for me in your mighty name XXXX XXXX! Thank you XXXX  XXXX XXXX XXXX. I know that you can do this for me and I pray that your families are protected because the work you do you you people do XXXX  work! In my opinion, I hope this makes it to the front page of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, newspaper! Thank you, XXXX in your mighty name I pray amen!

Company response to consumer: Closed with explanation