Consumer complaint received 2023-06-14
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
XXXX, XXXX, I applied for the state with the mortgage assistance with my XXXX and XXXX mortgage. They are both with Chase bank. 
Meanwhile I told Chase rep. on the phone, I am working with state of IL for the mortgage assistance. I need some time to wait for the state decision. Chase should had recording of my phone call. ( I doubt that they would provide ) State denied my application on XXXX. In XXXX I found the reason for denial was my first mortgage was original Jumbo loan. So on XX/XX/XXXX, I borrowed funds and went to chase bank branch to pay the late payment on the XXXX mortgage. I paid over XXXX  XXXX to make it current. But when I wanted to pay the XXXX mortgage, banker told me that it was on foreclosure. I can't pay there. I need go home and waiting the reinstatement letter in the mail and email. I finally got email, it was dated XXXX, for my late of {$2900.00}, Chase charged late fees of {$98.00}, plus legal fees ( they called Corporate advances ) {$1700.00}. of total {$4700.00}, more than 50 % the amount my mortgage total owed. I went to branch,XXXX ) asked the itemization of {$1700.00} fee and XXXX ) asked why Chase didn't foreclosure my XXXX mortgage which owed more than XXXX XXXX and just foreclosed my XXXX mortgage Which only owed {$2900.00}. and I never got any notice of this foreclosure. Rep. called the Chase legal department. Asked me to go home waiting for the phone call. In the later XXXX, XXXX from Escalation department called me. XXXX she gave me the reason is my XXXX mortgage was 1 month behind than XXXX one. that is why they foreclosed my XXXX one and not XXXX one. After I verified that they both paid in the same month. last payment for XXXX XXXX, for XXXX payment was made XX/XX/XXXX, and XXXX payment was XXXX XXXX, XXXX. They both paid up. I was late on XXXX that is why on XXXX XXXX I applied for state 's assistance. 

Then she said waiting for their research report. On XXXX. XXXX, Friday XXXX called me and told me research department found out. On XX/XX/XXXX, Chase got state notification that they got my XXXX mortgage application so that account was internally put in foreclosure protection. But state never notify Chase XXXX mortgage was also in the same application. That is why XXXX mortgage didn't get foreclosure protection as XXXX one. I told her we can call together on the phone with state to verify that I put application for both XXXX and XXXX mortgage in the same application on XXXX, XXXX. She promised me that once she got confirmation with the state, Chase will withdrawal the foreclosure for my XXXX mortgage. She called twice and phone was busy, then she hung up on me. 
Saturday, Chase rep XXXX XXXX called me about foreclosure. And after I explained to her my whole story, she referred me to talk to Chase XXXX department. 

Monday, XX/XX/XXXX, I called Chase XXXX department and found out XXXX had closed the case. I called the XXXX 's supervisor XXXX, After heard my story XXXX told me that XXXX was off that day and will reopen the case and ask XXXX to call me Monday. Today is Wednesday already, XXXX never called. Yesterday I also found out from other lawyer, on XX/XX/XXXX, Chase already filed foreclosure case. In the middle of Chase research, regardless Chase send me reinstatement letter and good to XX/XX/XXXX. Regardless I was working with XXXX to solve the problem. Just more legal fees for me. 

I am complaint about my case is I got sick of Chase Bank unethical practices. Dishonest and greed and lies. they don't care people lose their life saving in the house and had to live on XXXXhe street. They don't care!!! They should be punished for what they cause the hurts and damages on people. 

I had been very good customer with Chase, and had Chase mortgages over XXXX XXXX. By using cheating and taking advantage of my financial adversary ( had XXXX twice, lost job ). Chase knew that the foreclosure was a mistake and they didn't want to correct. 
I am XXXX XXXX XXXX now and my husband is XXXX XXXX. to be harasser constantly by Chase rep and I had so many nightmare and sleepless nights. XXXX constant XXXX me. My credit got shot. 
I had XXXX XXXX XXXX. The stress cause the XXXX pain again. I had to take XXXX XXXX constantly.

Company response to consumer: Closed with explanation