Consumer complaint received 2020-06-10
Company: JPMORGAN CHASE & CO.
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I received a letter from Chase stating that my previous mortgage was being transferred to XXXX XXXX  on XX/XX/XXXX. I immediately contacted Chase on XX/XX/XXXXand asked why this was happening since the property in question went into foreclosure on or about XX/XX/XXXX? They informed me that due to the Servicemembers Civil Relief Act ( SCRA ) they couldnt foreclose on the property back then in XX/XX/XXXX. After about an hour on the phone with Chase they looked over my account and found that the SCRA did not apply to me because the property was purchased after I joined the XXXX ( Which I already knew and tried to tell them repeatedly over the years ). I then asked that the account not be transferred to XXXX, since Chase has been at fault with the mishandling of the account. They informed me that the account transfer was a common practice and they couldnt stop the transfer in progress. At the end of the call the military chase representative told me that she would ensure that the foreclosure was processed and all the interactions I had with chase ( Phone calls, account notes and letters ) over the years to include my entire file would be handed over to XXXX. I was also told that she would call me back on XX/XX/XXXX to confirm that everything was in process or complete ( I did not receive a call ). 

On XX/XX/XXXX, I called chase but was directed to call XXXX instead. I explained the situation to the XXXX customer service representative and they informed me to call on XX/XX/XXXX because they havent received my file as of yet from chase. On XX/XX/XXXX, I called XXXX again and the customer service representative told me that my file looked incomplete and after explaining the situation with chase she advised me to write the XXXX research department. Which I did and the XXXX research department acknowledged receipt on XX/XX/XXXX. 

The issues with this property has been going on since XX/XX/XXXX. I have been dealing with chase off and on, and every time Im being told by Chase everything will be processed and closed out. Below is a rough timeline of the events with Chase and the property ; XX/XX/XXXXRequested a loan modification because of a Military Permanent Change Of Station to another country. 
XX/XX/XXXX After going back and forth with Chase about the loan modification ( Chase kept kicking back the packet and asking for corrections ) I decided to let the property go into foreclosure. 
XX/XX/XXXXProperty went into foreclosure XX/XX/XXXXBecause of the mishandling of my Chase mortgage account I received a cash settlement as part of the national mortgage settlement set forth by the federal government against Chase. At this time I thought everything with that property was complete. 
XX/XX/XXXX Received a letter from Chase stating that I could apply for a mortgage loan modification. I called Chase and sent them a registered letter with all the details listed on this letter. I also told them I wasnt interested in the mortgage loan modification and this property was already controlled by Chase. The Chase customer service representative informed me that in XX/XX/XXXXChase created a new section within their company that handles strictly military and my foreclosure may have been lost during that realignment. I then asked again to complete the foreclosure. 
XX/XX/XXXX My friend living in the area of the property told me that property was secured by a company hired by Chase. 
XX/XX/XXXX- Received a letter from Chase stating that I could apply for a mortgage loan modification and I told them, the property should be foreclosed. 
XX/XX/XXXX- Received a letter from Chase stating that I could apply for a mortgage loan modification and I told them, the property should be foreclosed. 
XX/XX/XXXX - Received a letter from Chase stating that I could apply for a mortgage loan modification and I told them, the property should be foreclosed.

2019 Received a letter from the Department Of Veterans Affairs ( VA ). They informed me that Chase notified them of the intent to foreclose on the home. I replied to the VA informing them of the situation. 
XX/XX/XXXX Received a letter form Chase stating that my loan was being transferred to XXXX. 
* XX/XX/XXXX - Received a bill from XXXX XXXX. The bill was over {$330000.00}. 
This bill list : Home balance {$170000.00} Interest {$110000.00} Late charges {$6300.00} Escrow Shortage XXXX Unpaid Expenses ( Property Rep, Lawn Care, Security ) {$23000.00} As you can see, this has been an ongoing and frustrating ordeal with Chase. I have not seen, lived or paid for this property since XX/XX/XXXX. A friend at the location informed me that property is still being looked after by Chase Mortgage. 

XXXX XXXX  has told me that they are still researching the matter with Chase and agreed with me that the transfer to them shouldn't have happened. 

In addition, on XX/XX/XXXX a realtor in the area contacted me through the military and offered to mitigate with Chase so that the property would be " Short Sale '' and they would ensure that the property was closed out from my name. Chase rejected their contact. The last thing I received from chase was this month about mortgage assistance. I'm assuming that Chase confused the Short Sale offer from the realtor as a mortgage assistance request.

Company response to consumer: Closed with explanation