Consumer complaint received 2019-01-21
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
JP Morgan CHASE RE : Loan # XXXX FHA Case # XXXX XXXX XXXX, 3rd Party User, called my lender on ( XX/XX/XXXX ) @ XXXX, spoke to XXXX XXXX , Loss Mitigation Department XXXX to confirm if my Authorization and the 49 pages of the FHA Pre-Foreclosure ( PSC ) documents were received to cancel the Sale. XXXX stated the documents were received on ( XX/XX/XXXX ) but ( 14 ) days were required to postpone the Foreclosure Sale. XXXX called again ( XX/XX/XXXX ) @ XXXX, spoke to XXXX XXXX , Short Sale Department was not allowed to give ID # ( why not? ) transferred me to XXXX XXXX, Supervisor, who also not allowed to give his ID # ( why not? ) XXXX requested XXXX to expedite my file for a short sale, XXXX stated that he would call XXXX, he did back called back the same day @ XXXX stating they were not moving forward with the short sale because of the [ delinquency of the loan ] and its [ marketability ] - XXXX stated to XXXX that the judicial process for a foreclosure in the State of Maryland is ( 21 ) days that CHASEs discretionary business practice contradicts violates FHAs Loss Mitigation Options, Handbook 4000.1, of a US Government-insured product that CHASE is required to obey, a ) FHA Loss Mitigation Options, Handbook 4000.1, Sections III.A.2.j ; III.2.I.i. ( A ) there is no sufficient days ( required ) before the foreclosure sale, b ) the Foreclosure was prohibited until the Mortgagee Letter 2010-16 pursuant to Mortgage Compliance Manager ( MCM ) and submission of the HUD-90041, Request for Variance ; Pre-foreclosure Sale Procedure was available to the  Mortgagee. 

Chases discretionary guidelines, argument, delay, tactic to ratify [ this ] Foreclosure Sale is an illegal foreclosure business practice to forbid disavow our foreclosure Rights or they were profiling XXXX ( minorities ) retired senior citizens to ( {$0.00} ) relocation money, ruin our credit and pursue a deficiency judgment. 

If our request for short sale is not rebutted by written response following your receipt of this Compliant, I will presume said above facts to be correct and will enforce my Rights against any and all Banks, Servicing Companies and/or persons who violate our Rights willfully or out of ignorance of the Law. 

A denial of Due Process will be deemed an act of conspiracy and conversion and will be escalated to the TV stations channels XXXX, XXXX, XXXX, and XXXX Investigations Teams, my State Delegates, Senator, Governor, State Attorneys General Office, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, etc. 

If the foreclosure sale and/or ratification occurs, CHASE and all XXXX said XXXX Parties involved will have committed a felony. CHASE can not be allowed to circumvent the XXXX XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay {$110.00} XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be hired to file this Class-action suit ( yes ) will cost CHASE more than {$110.00} Million. 

UNDER PENALTY OF PERJURY, I have examined the statements of fact presented in this letter with XXXX and to the best of our knowledge and belief, is true, correct and complete. All calls were monitored and recorded ( phone transcript ) will verify the conversation with the above Parties. 

Sincerely, XXXX XXXX XXXX and XXXX XXXX XXXX Homeowners

Company response to consumer: Closed with explanation