Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
CONSUMER COMPLAINT UPDATED AND SUPPLEMENTED REQUEST FOR INVESTIGATION Subject : Wrongful Refusal of Payment, Improper Loan Acceleration, Unverifiable HELOC Balance, and Deceptive Servicing Practices Complainant : XXXX XXXX Successor in Interest to XXXX XXXX XXXX ( Deceased XX/XX/XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX ] XXXX Against : JPMorgan Chase Bank , N.A . ( successor to Bank One, XXXX. ) I. PURPOSE OF COMPLAINT This is an updated complaint requesting immediate investigation into the lenders conduct in connection with a home equity line of credit ( HELOC ) secured by : XXXX XXXX XXXX XXXX, XXXX, Illinois The lender is attempting to enforce and foreclose on the property while refusing to accept payments, adding fees, and failing to provide documentation necessary to verify the debt. XXXX. LOAN HISTORY ( CONFIRMED DOCUMENTS ) XXXX. A promissory note dated XX/XX/XXXX reflects a revolving credit line ( HELOC ) in the approximate amount of {$25000.00}. XXXX. A loan modification agreement dated XX/XX/XXXX reflects : o Unpaid principal balance {$20000.00} o Fixed interest rate 9.400 % o Monthly payment {$160.00} XXXX. Transaction history provided by the lender confirms : o Regular payments over many years o XXXX of payments to principal and interest XXXX. EVENTS FOLLOWING BORROWERS DEATH XXXX. The borrower passed away in XX/XX/XXXX. XXXX. In XX/XX/XXXX, I notified the bank, provided a death certificate, and advised I would continue making payments. XXXX. When I attempted to make payments : o I was refused in person by a bank teller o I was refused again by telephone XXXX. No lawful explanation was provided for refusing payment. IV. REFUSAL OF PAYMENT AND ACCELERATION XXXX. Despite my willingness and ability to pay, the bank refused to accept payments. XXXX. Shortly thereafter, the bank : o accelerated the loan o initiated foreclosure XXXX. The alleged default was directly caused by the banks refusal to accept payment. V. IMPROPER FEES AND FORECLOSURE ACTIVITY The banks own transaction history shows that after refusing payments, it began adding : Attorney fees Inspection/property maintenance fees Other foreclosure-related charges These fees were added while preventing payment, creating a manufactured default. VI. FAILURE TO VERIFY HELOC BALANCE Although the lender has now produced a promissory note, it confirms that the account is a revolving HELOC, not a fixed loan. However, the lender has failed to provide : Any draw/withdrawal history showing funds actually advanced A complete accounting from origination to present A breakdown of interest calculations A reconciliation of the current balance Because this is a revolving account, the balance can not be presumed and must be supported by a complete transactional history. XXXX. ACCOUNTING IRREGULARITIES XXXX. Original loan {$25000.00} XXXX. Modified balance ( XXXX ) {$20000.00} XXXX. Payments continued for more than a decade after modification XXXX. Total payments appear to exceed the original loan amount Despite this, the lender continues to claim a significant remaining balance. This raises serious concerns regarding : Misapplied payments XXXX interest calculations Excessive or unauthorized fees Inaccurate loan balance VIII. VIOLATIONS ALLEGED The conduct described constitutes potential violations of : Federal mortgage servicing regulations Failure to accept payments from a successor in interest Wrongful acceleration of loan Enforcement of an unverified debt Improper fee assessment Unfair and deceptive practices XXXX. ONGOING HARM Risk of wrongful foreclosure and loss of family home Financial harm due to inability to make payments Continued enforcement of an unverifiable debt Emotional distress following borrowers death X. REQUEST FOR INVESTIGATION AND RELIEF I respectfully request that the agency : XXXX. Investigate refusal to accept payments XXXX. Investigate the basis for loan acceleration XXXX. Require production of : o Full HELOC draw/withdrawal history o Complete accounting XXXX origination to present o Detailed explanation of balance calculation XXXX. Require removal of improper fees XXXX. Require suspension of foreclosure activity pending investigation XXXX. Determine whether restitution or correction of balance is warranted XXXX. CERTIFICATION I certify that the above information is true and correct to the best of my knowledge. XXXX Signature : XXXX XXXX

Company response to consumer: Closed with explanation