JPMorgan Chase Consumer Loan Complaint

JPMorgan Chase Consumer loan department,

Installment loan Problems when you are unable to pay Indiana

My wife and I acquired a home equity loan in -/-/-, the payments of which were on an automatic deduction at a specified date of each month. The last payment in this cycle was current at the end of -/-/-. In - of this year, I stopped the deductions from my primary account which raised the interest rate the loan was figured with. By -, this note was six months delinquent. I was blessed with spousal support to help remedy three months of payments. A total of 3 months payments, combined with 3 months of late fees was paid. The lending institution credited the account with an amount of one month plus $57.00 of the second month, the balance left from that was taken for interest charges, no credit issued for late charges. Is this fair?? On - occasion, I questioned them about why the interest payment credited was more than the interest payment of the previous month, they just gave me the runaround about it, their answer did not set well, as I knew I was being cheated into paying more than the loan was for. The accounting method used by this bank, as well as others, needs to be explained every month to the borrower as to how the payments are calculated. I know they will get their interest first. The loan originated at 6.9 % ( .069 ), the interest on my primary account, the bank was paying me was .01 % ( .001 ).