Consumer complaint received 2019-06-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My XXXX and I got into a FHA mortgage in XXXX of XXXX the selling financial institution providing credit for it was XXXX XXXX  located in XXXX XXXX Fl . Subsequently our mortgage was sold almost immediately to JP Morgan Chase Bank to whom we started making The associated mortgage payments. We were successfully making our payments until the end of XXXX when we decided to ask Chase for a modification due to the high monthly payment, and the fact that we were experiencing financial difficulties, our application was denied five times until one of the bank 's employee suggested to us to get behind payments so we could be heard by the bank and get approved for a modification. Chase issued a foreclosure suit on XXXX and we requested the court to dismiss the case arguing JP Morgan lacked the proper documentation or standing on the property, this intention was promoted by a mailer advertisement flyer advising us the possibility of Chase committing fraud on our mortgage. We went onto hire an attorney to investigate the case and that is when Chase Bank sold the property to XXXX XXXX XXXX   alleging probably legal litigation issues. Its been 9  years since our property has gone through different banks including HUD, XXXX XXXX XXXX, XXXX XXXX, Chase, XXXX XXXX and the respective servicers XXXX XXXX of California and XXXX XXXX from Pennsylvania. ( All of them claimed at one point in this process to stand ownership, the fact is none of them were able to prove standing on the property ) The problem goes even farther and here is what I need your intervention or to enforce clarity and truthfulness to whom it pertains. In XXXX we filed for bankruptcy chapter seven in XXXX XXXX FL Seven circuit court, it was discharged and approved on XXXX XXXX XXXX. Two items were exempted or not included in the bankruptcy ( reaffirmation ) our house located in XXXX FL and a 2009 XXXX XXXX, To file the bankruptcy we hired a Bankruptcy lawyer by the name XXXX in XXXX FL. This process cost us {$2900.00} which included payment for the affirmation items referenced above, I must mention that I keep all the correspondent receipts and evidence of business done with the XXXX XXXX XXXX in XXXX FL. XXXX XXXX who's challenging the foreclosure now brought up the bankruptcy case in a clever move directed to promote the court to rule in their side, the good thing about it is that statute of limitations can prevent them from taking our house since state of Florida laws only allow for five years frame time. I asked XXXX XXXX and Chase Bank to provide documentation that proves paper work for the affirmation ( paid ) was submitted timely within the legal frame time ; Until now neither chase or XXXX have shown a satisfactory answer to my request. This is important to me because I can prove to the court I paid for the reaffirmation, that our house was never placed on bankruptcy and that someone did not submit our paperwork on time making us look bad, XXXX XXXX claims that since the house was included in the chapter seven bankruptcy, we lost our chances in fighting the foreclosure. We are trying to prove otherwise.

Company response to consumer: Closed with explanation