Consumer complaint received 2017-12-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Based on the HAMP guidelines and reviewing the acceptable hardships I meet seven out of twelve,  which are illness, loss of job, failed business, XXXX XXXX XXXX, reduced income, medical bills, natural and unnatural disaster. Why didnt Chase apply the HAMP program that reduces the interest rate down to 2 % and spread out the payments to 40 years to meet the 31 % threshold set out by HAMP. As you look in the exhibit 1 you will find the numerous hardship letters, SSI XXXX pending review, doctors statement XXXX XXXX XXXX profit and loss statement, and XXXX XXXX XXXX XXXX Clearly, I proved the hardship and the income was supported by XXXX XXXX the co- borrowers SSI and income property to satisfy the mortgage. 
I am writing to respond to Chase Home Mortgage, a bilateral transparency new complaint based on transparency of records. The inaccuracy report by Chase Home Mortgage to grant XXXX XXXX, grantor, further prove false promises and discrimination. Thus, Chase Home Mortgage action are identified under Deceptive Trade Act violation, alone with discrimination against a woman, age XXXX, gender female, and against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, pending XXXX, and XXXX XXXX in XXXX. Clearly, these citing violates my Fifth Amendment and Fourteenth Amendment of Due Process Clause vicious and capricious which has caused deliberate harm to grantor, result in a wrongful foreclosure, displacement, and loss of XXXX precious valuables and birth photos, memorable articles, and my life valuable. 
According to Chase Home Mortgage letter dates XXXX. XXXX, XXXX says, Weve Recd the information you sent, no additional request needed. XXXX. XXXX, XXXX, We need additional information to review your mortgage assistant request, says, call us right away at once of the telephone numbers above. all other requests are cleared. I am sure, I called the case manager. As  records indicates, I respond diligently as time is of essence. 
On XXXX XXXX, XXXX, letter received indicate We want to help you find a payment assistant option for your mortgage, per grantor, No visit ever happened. 
On XXXX XXXX, XXXX, another letter from case manager says, We want to help you find a payment assistant option for your mortgage, again per grantor, No visit ever happened. 
The last correspondence from Chase Home Mortgage, on XXXX XXXX, XXXX, a letter in regard to Weve rescheduled the foreclosure sale for your property, by XXXX XXXX, Case Manager. 
As you can see, the grantor file began as early as XXXX up to XXXX without delay in response. In my duress of grief, mental and physical illness, the importance to stay in the property shown an honest effort to comply with case manager requests. In fact,  in the end Chase Home Mortgage fail to hold up their end of the agreement to assist grantor with payment assistance option for mortgage and RMA re-files six to ten times with the same information. It was said, loan modification usually takes six months, however, in my  case it taken five years. 
My confirmation transmittal records from XXXX XXXX, Case Manager, XXXX XXXX, Case XXXX, and XXXX XXXX, and XXXX XXXX, other Case Managers on dates : XX/XX/XXXXXXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, Fab. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX and XXXX. XXXX, XXXX. XXXX. [ Exhibit 2 ] Here are Chase Home Mortgage correspondence to grantor : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Most of these dates had been responded by a fax and a follow up call and a few XXXX shipments. [ Exhibit 1 ] Enclosed is the correspondence from XXXX XXXX, Executive Assistance, Chase Home Mortgage, correspondence that says, we have completed our research are addressed in exhibit 1 & 2.

Whereas, Deceptive Trade Act Violation is  addressed in the law and should be taken serious and a protection to the American people. No citizen should loss their life investment when a tragic life financial situation arises or thrown on the streets because a bank considers the grantor a high risk. As a realtor and through paralegal research there are many false promises big banks make on a daily base. Big banks are getting away with crushing people lives because it does not affect their families. I demand return of property and value FMR and three times the loss, court cost, and damages. 
Your truly, I have attachment to be review with fact, finding, and conclusion of the review.

Company response to consumer: Closed with explanation