Consumer complaint received 2015-06-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On XX/XX/2015, I lost my job due to indefinitely due to budgetary cuts throughout the company I worked for. When this happened, I contacted JP Morgan Chase, whom which services my mortgage loan. I contacted JP Morgan Chase to educate them of my current job situation and access their mortgage assistance programs. I was sent a packet to fill out and return with all documentation and proofs that was provided with the packet and that my customer assistance specialist had told me to fax in.  I did so right away as requested. After about 5 business days went by, I then received another packet pertaining to the assistance I requested stating that all proofs hadn't been sent in, including forms I had most definitely already sent in. I then faxed in the additional documents and proofs as the packet said was "incomplete" and my customer assistance specialist also verified the application was incomplete due to the missing documents.  Another 3 business days went by and I recieved the same packet with the same exact issues with my application, including missing proofs and that the packet was "incomplete". I then called JP Morgan Chase and spoke with my customer assistance specialist and she verified that all proofs and documents needed have indeed been received and that she would forward my application to underwriting. A week went by and by this time it was XX/XX/XXXX and I received the same packet listed as "incomplete" XXXX again. I then called chase again and was unable to reach my customer assistance specialist whom had access to everything in my file so I left her a voice-mail informing her of the issues and her voice message said she would contact me within 24 hours. I then elected to speak with another representative, and that representative informed me that I needed to send additional documents in with information pertaining to the month of XX/XX/XXXX since it is now XX/XX/XXXX. So I retrieved the proofs and documents and faxed them into chase as requested. I never heard back from my customer assistance specialist. A week later I received the same packet listing "incomplete". XXXX again.   I called JP Morgan Chase and tried to reach my specialist and she was XXXX again unavailable, so I spoke to another Representative and that specialist told me I had turned in all required documents to send my application over to under writing and that the packet I received in the mail stating it was "Incomplete" was automatic during this process and she told me to get a hold of my specialist. This exact situation with the packet coming in the mail about ever week stating the application was "incomplete" and my customer assistance specialist : XXXX not getting in contact with me, all this preceded the exact same way for about 3 months longer.  At this time it was XX/XX/2015 and I haven't got an answer from JP Morgan Chase. 
In XX/XX/2015, I received a notice of default and was informed that my loan had been handed over to XXXX Law and foreclosure sale date was given. I did my research and found out that it is illegal for JP Mortage Chase or any other Mortgage entity to foreclose on my house while in process of my assistance application being reviewed. I contacted JP Mortgage Chase outraged and still couldn't reach my customer assistance specialist. I sent a complaint to the executive offices and again, never got answers. As my foreclosure sale date was approaching, I was experiencing a lot of distress during these unfortunate times. I received a notice in the mail from home advisers Legal guaranteeing a loan modification for $XXXX. I therefore retained legal counsel, and found out I was scammed. My mailing address is my former attorneys address and I haven't recieved any documents for Chase since XX/XX/XXXX. I now have a foreclosure sale date XX/XX/2015 and Im back where I started. I still haven't gotten any mail sent to me. HELP

Company response to consumer: Closed with explanation