Consumer complaint received 2018-10-03
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX, XXXX my husband and I refinanced our house. It was with XXXX XXXX XXXX with payments going to XXXX, XXXX. Sometime in XXXX (? ) the payments started being made to Chase Bank. In XXXX we moved and rented out our house. The person we rented to did not make payments. It took us 6 months to get her evicted from our house. We tried to sell our house several times, but either the buyer did not meet requirements, or the bank took too long to get paperwork done and they bought another house. In XX/XX/XXXX my husband passed away. I was still working far away and again tried to sell the house, but the bank delayed the paperwork and it did not go through. In XXXX my circumstances had changed and I wanted to move back to the house. The loan was in my husband 's name and we co-owned the house on the deed. I contacted the bank and they said they would take it out of foreclosure and would send me the paperwork to begin the process. 
In XX/XX/XXXX I sent in the paperwork for the loan modification that they had sent me to fill out. The paperwork was in my husbands name, and once they received it they said I had to fill it out in my name. The end of XXXX I had not heard from them and called Chase Bank to see what was happening. The house had a foreclosure sell date of XX/XX/XXXX at the time. I confirmed that the foreclosure sale would not happen on the XX/XX/XXXX and they assured me that it was stopped. 

In the mean time I had called and asked them who owned the loan and what bank serviced the loan. The first time they said Chase Bank just serviced the loan, but that it was a FHA loan. When I called back they said that Chase Bank actually owned the loan and also serviced the loan. I was hoping that I could reach the actual bank that owned the loan to work with them. I am still not sure who owns the loan. 

Once I received the new package from them I sent the new paperwork in on XX/XX/XXXX. It was faxed to them from a Chase Bank in XXXX. On XX/XX/XXXX I received another letter stating that the house was in foreclosure and the new sale date was on XX/XX/XXXX. I called and they said they did not receive any paperwork. I again asked for paperwork so that I could be added to the loan, have the loan changed to my name or do a refinance to get the payments as low as I could. They said they would have to send me a new packet to fill out. I received the paperwork a week or so later and sent them the paperwork back by certified USPS mail on XX/XX/XXXX. When I called them on XX/XX/XXXX to confirm that the paperwork was received they told me that was not the paperwork that I needed to complete ( this is what they had sent me to fill out and return to them! ). They sent the paperwork by overnight mail, which I noticed once I received that they had put a date of XX/XX/XXXX on the letter that was included with the paperwork. 

My XX/XX/XXXX statement from Chase Bank had added on the foreclosure cost ( which I understand ), but they had added property maintenance charges of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. When I called to find out what these were for, as I had been living in the house since the end of XXXX, and the only thing that had been done was the trees and some brush around the garage trimmed and cleaned up. They said they would have to look into it and it could take up to 20 days, depending on how long the mail took to get to me. I still have not heard back on what all these charges were for. 

I have asked about making a payment and they said that they could not accept it until the paperwork had been completed. Any help that I can get to get this completed would be greatly appreciated.

Company response to consumer: Closed with explanation