Consumer complaint received 2017-01-24
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am requesting complaint # XXXX be escalated and to have the CFPB take a more active role into my situation as it 's getting worse. Chase continues to mistreat me by allowing my situation to get worse, and they are unwilling to communicate with me, with exception to their form letters saying that they " need more time ''. I have an FHA loan, they 're not allowing me a fair review for all FHA hardship options, and I 'm being subject to wrongful discrimination. Since the beginning of my hardship, Chase said they were there to help, and I believed them and did everything that was asked of me, but it turns out, all the rumors that banks mistreat homeowners are true, and I began to believe Chase was purposefully making my bad situation worse, and I felt that I needed to fight for my rights in a court of law, and I filed a lawsuit against them, but the only thing Chase did was implement their big bank tactics, and had their attorney drag things out. I could n't even get Chase 's attorney to call me back and I could see that their despicable corporate tactics was only making my problem worse, so I dropped the lawsuit, and again try to work with Chase, after all, I have an FHA mortgage and their supposed to follow FHA rules and guidelines, right? The lawsuit was dismissed on XX/XX/2016. Chase knows this, because it was their Attorney who coordinated everything. Additionally, I 've sent a copy of the dismissal to their executive office multiple times ( attached ). During my lawsuit, I received a loan modification trial payment plan, which I accepted under duress and started making payments. The terms of this trial payment plan was for 3 months, and I made every payment on time, and i was still making these trial payment plan for 6 months and never received a permanent modification. I reapplied for a modification after the lawsuit was dismissed. However, on XX/XX/2016, I received an email from Chase 's Attorney, for another FHA trial payment plan, only this letter was dated XX/XX/2016 and allowed me only 20 days to appeal the terms, but because I did n't get it until XX/XX/2016, I really only got 5 days. I appealed the decision, because I questioned the results of trial plan, as the trial payment increased from the prior trial plan, and does n't conform with the FHA-HAMP guidelines which are available to the public. All of the written correspondence I receive from Chase states that I should contact the executive office to discuss my situation, and I have tried to contact and speak with them on several occasions and often met with rude, and unprofessional representatives ( the worst of which was XXXX XXXX ), who claim that because of an open lawsuit, they ca n't talk to me. Additionally, I understand that, XXXX XXXX, in Chase legal department is the person I need to speak with, however, she refuses to speak with me and said she would only speak with my Attorney. However, I have always represented myself and now Chase is requiring that I need to go and hire an Attorney, so that I may have the privilege to speak with them. Since when was it a requirement to hire an Attorney? I 've been in law enforcement most of my adult life, and the fact that I am being told that I must have an Attorney to speak with a bank, is ridiculous! Additionally, Congressman XXXX XXXX has agreed to help me with this unfair treatment, and has reached out to Chase, only to have his inquiries ignored as well. Why does Chase get to treat people like this? Chase got a bailout of XXXX in taxpayer funds, and is still committed to receive XXXX more, and according to SIGTARP reports to Congress, they are also one of the largest violators in the way they are supposed to treat Homeowners. They 're even so brazen to ignore calls from members of Congress!

Company response to consumer: Closed with explanation