Consumer complaint received 2019-01-03
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
These particular facts and circumstances are detailed and involved. I try to summarize below the key facts and circumstances, and I will be happy to provide additional information. In particular, I would be happy to provide all or some of the written communications that I have provided to Chase representatives regarding these matters. 

In a XXXX written Durable Power of Attorney ( " POA '' ), my  cousin XXXX XXXX XXXX, now aged XXXX, named me and another cousin as his duly authorized power of attorney agents. 

Mr. XXXX is experiencing severe physical and mental problems. Among other things, Mr. XXXX is XXXX has XXXX XXXX, has had XXXX XXXX XXXX, and has been treated ( inside and outside of XXXX XXXX XXXX ) for  various XXXX XXXX issues. Since XX/XX/XXXX, my cousins and I have been trying diligently to assist Mr. XXXX with his physical, mental, living and financial circumstances. 

Mr. XXXX had been living in a single family residence in XXXX, XXXX that he purchased via a mortgage from Chase. I understand ( but I have not been able to confirm ) that the mortgage is a federally insured " rural housing loan ''. The home property address is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX   XXXX. The Chase account/mortgage loan number is XXXX. 

After his wife died, Mr. XXXX lived alone in the home. Based on alarming information that we received from a fellow church member of Mr. XXXX 's in XXXX, my cousins and I became concerned that Mr. XXXX may be unable, physically and/or mentally and/or financially, to live alone. We also became worried that Mr. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, one of my cousins and I travelled to XXXX to visit Mr. XXXX. For a variety of reasons, we concluded that a " family intervention '' was required. The home was in an appalling condition. 

With his consent, the family moved Mr. XXXX to XXXX  ( where key members of Mr. XXXX 's XXXX and XXXX  families live ). Mr. XXXX has been confined as a resident in a XXXX XXXX in XXXX, XXXX   He has received in XXXX XXXX XXXX XXXX XXXX XXXX. At present, Mr. XXXX is not able to live alone and/or manage his own affairs. 

This complaint relates to how Chase has handled Mr. XXXX 's home mortgage. For many months, Mr. XXXX had not made timely payments on his mortgage. Mr. XXXX, whose regular income only is a modest monthly payment from social security, has very limited financial resources. 

Beginning in XX/XX/XXXX ( when my cousin and I traveled to XXXX, XXXX to investigate Mr. XXXX 's circumstances ), I have engaged in regular oral and written communications with various Chase representatives. I provided to Chase, and Chase accepted, Mr. XXXX 's Durable Power of Attorney. Chase approved me to communicate with Chase personnel regarding these matters. I have explained in detail to Chase representatives Mr. XXXX 's particular facts and circumstances. 

My overarching efforts have been to resolve Mr. XXXX 's mortgage situation short of/without the need for foreclosure proceedings -- and short of/without the need for the time, efforts and expenses that are attendant to such proceedings. 

I have asked Chase representatives specifically and repeatedly, in writing and orally, to authorize a short sale or a deed in lieu of foreclosure. 

With Chase 's prior consent, the property currently is listed for sale by a local realtor. 

I learned today that Chase has initiated foreclosure proceedings and plans to sell the home at auction on or about XX/XX/XXXX. 

With due respect, I believe that Chase has acted callously, improperly, unfairly and unreasonably regarding my cousin Mr. XXXX and this property. Chase has failed to evaluate Mr. XXXX 's unique situation carefully and/or individually. Chase has bounced me around from department to department, from person to person. Chase continues to send Mr. XXXX form letters that do not account for his particular circumstances and my months of communications with Chase representatives. 

My request on behalf of Mr. XXXX is simple, straightforward and very easy to implement : permit the current efforts by the realtor to sell the property via a short sale, and if that is unsuccessful dispose of the property via a deed in lieu of foreclosure. 

Mr. XXXX should not be charged or assessed any additional costs, fees or expenses, whether associated with foreclosure proceedings or otherwise. I have proactively been trying since XX/XX/XXXX to resolve this situation in ways that are fair and reasonable to both Chase and MrXXXX XXXX. 

HELP PLEASE!!!!

Company response to consumer: Closed with explanation