Consumer complaint received 2015-05-08
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to apply for a modification for a long time. I have given Chase every document they asked for. I have sent the same papers again and again. But instead of a modification or an answer I just keep getting the run around. 

Now there is a foreclosure auction sale scheduled for XXXX/XXXX/15. Chase will not cancel or postpone the foreclosure even though I have a complete modification application and they still have not given me an answer about a modification. 

I am an XXXX woman and I just want a chance to stay in my home. XXXX so I am writing this with help. Foreclosing now would be unfair and cruel and I think it would also be illegal. 

On XXXX/XXXX/15, I talked to Chase representative XXXX XXXX ( reached at XXXX ) and she confirmed that my modification application was complete and nothing else was needed from me. At that point the foreclosure auction sale should have been postponed to make sure there was time for Chase to consider my application. But the foreclosure date was not postponed then and still has not been postponed now. 

Since that time, I have responded to every new request from Chase, even though that means I have sent in the same documents repeatedly. For example, I have now sent at least XXXX different completed versions of the XXXX or XXXX form ( XXXX on XXXX/XXXX/15 via XXXX with the modification package, XXXX more on XXXX/XXXX/15 via fax, and XXXX more on XXXX/XXXX/15 via fax ). I keep getting confusing and outdated letters from Chase but I always call to follow up and make sure they have what you need. 

On XXXX/XXXX/15, I was told by Chase representative XXXX XXXX, XXXX, that I needed to send bank statements again. I also received a confusing letter from Chase on XXXX/XXXX/15 that indicates I may need to resend bank statements. So I sent three months of bank statements right away, even though I already sent two months of official bank statements ( all pages ) with my modification package ( XXXX/XXXX/15 ) and then at Chase 's request I sent XXXX additional months of statements ( all pages ) on XXXX/XXXX/15 via fax. I also sent my Social Security award letter even though I previously sent it with the package on XXXX/XXXX/15. 

If these bank statements were needed, I do not know why Chase did n't say something before. On XXXX recent call, I was told by Chase that the ONLY thing needed from me was another XXXX form. I sent XXXX forms. Next, less than XXXX weeks ago, Chase representative XXXX indicated that the ONLY thing still needed was my 2010 tax return ( which I then sent via fax on XXXX/XXXX/15 ). Now all of a sudden they need bank statements again. 

This is ridiculous. Chase seems to be changing the list of what is needed again and again, making the process impossible and causing me so much stress. Each time I have sent the " one last thing '' Chase needs, a new requirement is added. This would not be such a problem if they would just postpone the foreclosure auction so there would be time for me to give them any other documents they ask for. 

Chase must postpone or cancel the auction immediately. I have done everything they asked. It would be unfair and illegal to do a foreclosure auction at this time. I want confirmation that they will cancel the foreclosure auction sale set for XXXX/XXXX/15.

Company response to consumer: Closed with explanation