Consumer complaint received 2017-09-26
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My family has a very serious problem involving a VA loan being serviced by JP Morgan Chase Bank that I would like to share with you. 
My father obtained a VA loan in XXXX to purchase a house after the death of his wife XXXX my mother ). He wanted me and my family to live with him and take care of him but he died unexpectedly in XXXX. I continued to make the monthly mortgage payments on my fathers VA mortgage as he had done because I inherited the house through his last will and testament. 
Unfortunately my brother, the estate executor, began interfering with our relationship with Chase and our efforts to assume the mortgage loan on the house. My brother changed our mailing address with Chase without our knowledge so that critical documents Chase sent to us went to him instead of our residence, and he did not forward them to us. Eventually he was able to stop Chase from accepting our payments, speaking to us about the mortgage, or doing anything for us since we were not listed on the mortgage and did not have the deed to the property at that time. However, prior to the end of our contact with Chase Bank, multiple representatives from Chase insisted that they were holding approximately {$18000.00} of mortgage payments we paid to them on behalf of my father in a special account which they would not credit to the mortgage until our loan assumption paperwork was processed and the deed to the property was received. 
In early XXXX, we were able to submit all of the required paperwork to Chase and were approved to assume the mortgage pending receipt of the deed to the property, which could only be issued by my brother. He refused to do so for personal reasons, so my wife and I have had to file bankruptcy to stop all foreclosure efforts on the property by Chase. 
Thanks to the efforts of our current estate attorney, we were finally able to obtain the deed to this property in XXXX of this year. Unfortunately, since it has been so long since we were approved for the mortgage assumption ( two years ), and Chase has refused to accept our payments for so long ( two years ), the deed no longer is enough for them and they are now wanting all {$45000.00} in back payments, without crediting to us or refunding the {$18000.00} in payments ( our money ) they previously said they were holding aside. 
Due to the tremendous stress these issues have created over the last three years, my health has deteriorated and I no longer have the high paying job that I held at the time we were approved for the mortgage assumption ( pending receipt of the deed ). However, my household income is sufficient at this time to pay the normal mortgage payment and even more, but my bankruptcy attorney is very concerned that my income level still might not be enough so long as Chase is unwilling to credit our {$18000.00} they said they holding to our mortgage balance and/or move at least some of the missing payments over the last two years to the end of the loan. 
I am reaching out to you now because it seems that I need additional help to save the home I inherited from my father, which is the only home I have and the only home for my family. If there is anything you can do, or if you can forward this matter to someone else who can assist us in persuading Chase Bank to work with us and place the missing mortgage payments that occurred from their refusal to accept them from us onto the back end of the loan, it would be an incredible help and blessing to us. 
I can provide additional information about Chase and my problem with them if needed. However, please be aware that I have a meeting at the United States Bankruptcy Court this Thursday, XXXX XXXX, XXXX and this latest matter with Chase was only brought to my attention by my attorney late last Friday afternoon. Consequently, I do not have much time to work out this matter before final decisions may be made affecting the ownership of our home. Any assistance you could provide in even postponing final decisions by the bankruptcy court until this matter is more deeply investigated would be most helpful and appreciated. 
Thank you for taking time to consider my problem and please let me know if you can help in any way.

Company response to consumer: Closed with explanation