Consumer complaint received 2017-07-31
Company: JPMORGAN CHASE & CO.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
since being with chase bank, I had tried to modify my loan. They had me apply several times a year over the course of many years. The end result was always the same. I did not make enough money to do a modification. Approx. 2010, I contacted Senator XXXX XXXX 's office about this issue and what I could do, as interest rares were soooo low, I could modify for about 200.00 a month! He told me about a special program and had me meet with Chase Bank. I met with XXXX XXXX And XXXX XXXX, and they were awesome! After lots of hard work on their part, they called me with " The Best XXXX Present I would EVER receive! '' They told me to sit down, and said, from now on I did n't have to make another house payment as long as I lived in the house! Chase approved a " special program just for me '' which would charge me interest only on the principle of XXXX dollars left on the loan. Because I lived on so little money, the payment would go in to an account ( the payment was about 200.00 a month or less depending on the interest rate, and it would just be the interest, / XXXX, XXXX came to my house and met with me, my sister XXXX, her husband XXXX, and my mom was on the phone conference call as well. They explained that only the interest would be added to the account, and no extra interest would be charged to that account, as the interest was being charged every month on the principle. already. Because I had so much equity in the home, they felt this was a VERY safe deal for them and worked out well for me by not having to worry about paying it until I passed away or sold the home, in which they would be paid in full. It was explained so everyone understood. They were here for over 2 hours.. This has been in effect since approx. XX/XX/XXXX-XX/XX/XXXX. They had me paying XXXX a month for taxes and insurance, that went in to an escrow account for them as I was paying those myself. It set up an escrow acct for almost XXXX dollars. that they have. I have been paying the taxes and Ins myself, so the excrow money has not had to be touched.. Every couple years they send me paperwork, asking me if everything was the same, and I would answer yes, it is all the same, since we have not had a cost of living raise in ages.. THis past XX/XX/XXXX, they actually sent a man up ( my neighbors actually noticed hi sitting outside my house and approached him asking him what he was doing. My neighbors are very protective of me as they know I live alone and am XXXX, so thank god for them all. they take very good care of me! The man from chase bank finally came up to the door, when he saw me outside in XX/XX/XXXX. I introduced myself to him and asked him if he wanted to come in and see the house, which he declined. Then XXXX XXXX from chase bank called about a week later, leaving a message saying for me to call her at a number she left ... then added : nevermind, disregard this call '', as the man from the bank said everything was fine, since they knew I was living in the house, nothing had changed and everything was fine. Then last week, I received a phone call from chase bank, asking if I wanted to keep the house ( which I had just told them I DID a few weeks before?! ) I told them I had a special program they made just for me and gave them the list of all the people who I had worked with from XXXX XXXX to XXXX paycheck and the man who drove up from calif. who all just approvedit. Even though it does n't have to be pre approved unless there is a change in my income, which therehas not been because we have not received any XXXX raisings in a decade. XXXX XXXX said whe I called, that the program I was n did not exist, and I said it most certainly did as I had been a part of it for many years. She argued with me that it did not and that they wanted to offer me a modification of XXXX a month and was n't that great?! well yes it would be great, IF I made more than XXXX a month! Remember the whole reason they made this special program for me was because they said I did not make enough money to do a modify I had been trying to do for may years prior when interest was next to nothing and would have been like XXXX a month! I can not afford XXXX. a mnth and pay taxes and ins and buy groceries, my medications and pay my utilities! Thus the special program I am in. Chase bank reported me to the credit beurus and I tokkan awful hit, after working so hard to get my credit built up. They sent me back my payments back for years if I tried to make one, because I am on this special program. They know I am on this and the terms of it are as long as I live in the house or until I sell it. The severe stress of living like this has me so very sick! they know the deal they invented and implemented for my special circumstances, took the money from the GOVT to help me, yet have put me through XXXX time after time. In fact when I told my mom about this last Tuesday, she ended up having a XXXX XXXX!! The stress and worry she suffers worrying about me and the XXXX chase bank keeps putting me through is making us both sich! Chase needs to fix myt credit score by removing what they put on my account about not paying because it is not true under the infinite long term agreement we have had for the past several years. I can not keep going through thisas it makes me sick and my mother sick! and is not fair to us! With a XXXX  XXXX like I suffer, staying stress free is vital to my health. My XXXX was XXXX at the dr last week! they wanted to put me in the hospital yet again because of all this XXXX! PLEASE, just honor your own agreement that you came up with and let me live my life in peace. Remove the deroggotory remarks on my credit report and restore it back to wat it was. thankyou!

Company response to consumer: Closed with explanation