Consumer complaint received 2015-11-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been disputing this matter for several years and I am tired and frustrated with dealing with it and desperate to receive a satisfactory resolution. 
Please see the following for my storyThe XXXX XXXX XXXX was the law firm that was representing me with my case against JP Morgan Chase Home Finance. There was even a case filed in the XXXX XXXX Court in MD against JP Morgan Chase regarding this property and matterBelow is my story that had taken me to the point of where I ended up with The XXXX XXXX XXXX representing me against the mortgage lender that erroneously foreclosed on our property and evicted me from my home. 
I have written to Chase Home Finance numerous times regarding a serious matter with our account and have yet to receive any satisfactory resolution. 
Going on approximately four years ago we initiated a request for a loan modification on the first mortgage of our home. The home is in my fathers name and I have complete authorization to discuss the account so that is why I am writing. Initially I attempted to proceed with obtaining the modification on my own since I was told that is was possible to do. Since I was not getting any cooperation and basically getting the run around about the request I had given up. I was told to send this and send that and do this and do that. I fully complied to all of the requests but never got any where. So in my disappointment with the lack of results that I was receiving I obtained a real estate attorney for assistance in obtaining the modification. It has still been several months and it seems as though even with the assistance of my attorney we are still just getting a run around. We were being asked for the same documents over and over again but once they get submitted still nothing gets done about the request. We have paid off the second note of over {$50000.00} and have even attempted to keep paying the " temporary payments '' but then was told that they can no longer be accepted because the loan was under review for a modification. Well, I thought that was why they were " temporary payments '' It seems that even though we paid the second note completely off and we are cooperating fully with the requests for documents ( over and over again ) it does n't count for anything. All we were asking for is a loan modification to reduce the monthly payments to make them more manageable and attainable. We were asking for the payments to be between {$800.00} - {$1000.00} per month. Since the second note has been completely paid off we do n't feel that this is a impossible request. 
It has gotten to this point where we were told that the house was going to go up for foreclosure/sale. On the morning of the scheduled sale date my attorney received a phone call from a representative at Chase Home Finance informing them that " the sale was stopped '', they even have this on a recorded at their law firm. Instead the sale went on and the house is being foreclosed on. I was simply writing to request that the foreclosure be rescinded and that Chase Home Finance will simply honor our request for a loan modification on our home. 
We even received numerous mailings from Chase Home Finance asking us to apply for a loan modification. Again, all we were asking for is that Chase Home Finance rescind the foreclosure and that they PLEASE honor this request so that we can resume our regular payments and be back in our home. 
I have written to JP Morgan Chase numerous times to try to get our request approved for a loan modification so we would save our home and all of our requests to either speak with someone or plead our case was ignored and all we received was computer generated letters and then denial letters without having all of the details. We did n't receive any real contact until I wrote a letter to our local congressman, XXXX XXXX. That is the time that they basically accused me of lying ....

Company response to consumer: Closed with explanation