Consumer complaint received 2017-10-04
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Chase has committed multiple violations to the XXXX XXXX XXXX ( XXXX ) of XXXXOn multiple occasions we made attempts to bring our account current by utilizing the HAMP Tier II, mortgage relief program. This program is one of many designed specifically to help homeowners such as myself resolve delinquent mortgage balances specifically on our 2nd home located in Louisiana. We have been overlooked on every attempt to apply for loan modification assistance prior to HAMP being dissolved on XXXX XXXX, XXXX, to my knowledge this program does not exist anymore and our families loan servicing rights have been violated under Real Estate Settlement Procedures Act ( RESPA ), Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act, ( FCRA ) 15 U.S.C. 1681. Our family has been victimized for a majority of the duration of time that our loan has been serviced by Chase, in the form of countless unwarranted denials to modify our loan, coupled with countless foreclosure attorney fees which are erratic and inconsistent for the exact same foreclosure actions, within the same county and regarding the same property. These egregious acts of random charges are in violation to Dodd-Frank Wall Street Reform and Consumer Protection Acts ( Dodd-Frank Act ) prohibition on engaging in unfair, deceptive, or abusive acts or practices. These actions are also violations to the XXXX Code of Professional Responsibility, as it pertains to the law firms imposing the fees and Chase in turn enforcement of such illegal costs and fees. As the XXXX XXXX XXXX ( XXXX ) has stated, In fixing fees it should never be forgotten that the profession is a branch of the administration of justice and not a mere money-getting trade. The foreclosure fees are grossly exorbitant and disproportion to the service alleged to have been rendered, identifying these factors as fraud, misrepresentation and Moral Turpitude.LINE # 9- $ XXXX XXXX Fee LINE # 15- $ XXXX XXXX Fee LINE # 17- XXXX {$630.00} Attorney fee LINE # 18- XXXX {$200.00} Court fee LINE # 19- XXXX {$80.00} Court fee LINE # 20- XXXX {$500.00} Sheriff LINE # 21XXXX XXXX {$400.00} Title fee LINE ( XXXX ) # 22 THRU # 28- {$10.00} x 5 - As Misc. Fee Assessed -- -- Less than four months duplicate fees were assessed -- - LINE # 29- XXXX {$350.00} Attorney fee LINE # 30- XXXX {$670.00} Sheriff LINE # 31- XXXX {$120.00} Title fee LINE # XXXX XXXX {$50.00} Court fee LINE # XXXX XXXX {$150.00} Court fee LINE # 35- XXXX {$100.00} XXXX fee LINE # 46- XXXX {$10.00} Misc. Fee Assessed LINE # 47- XXXX {$10.00} Misc. Fee Assessed LINE # 53XXXX XXXX {$250.00} Attorney fee LINE # 54- XXXX {$88.00} Court fee LINE # 55- XXXX {$460.00} Court fee LINE # 87XXXX XXXX {$78.00} XXXX fee LINE # 89- XXXX {$400.00} Attorney fee LINE # 90- XXXX {$78.00} XXXX fee LINE # 97XXXX XXXX {$170.00} Attorney fee LINE # XXXX XXXX {$150.00} Attorney fee LINE # XXXX XXXX {$60.00} Misc. Fee Assessed LINE # 104- XXXX {$85.00} Misc. Fee Assessed LINE # 105- XXXX {$80.00} Misc. Fee Assessed LINE # 107- XXXX {$80.00} Misc.  Fee Assessed LINE # 122- XXXX {$350.00} Attorney fee LINE # 123- XXXX {$770.00} Filing fee LINE # 124- XXXX {$250.00} Title fee LINE # 125- XXXX {$270.00} for sale fee LINE # 126- XXXX {$150.00} Misc. Fee Assessed LINE # 132XXXX XXXX {$78.00} XXXX fee LINE # 138- XXXX {$78.00} XXXX fee LINE # 152XXXX XXXX {$130.00} Misc.  Fee Assessed LINE # 153XXXX XXXX {$270.00} Title fee LINE # 154- XXXX {$2800.00} Foreclosure sale cost LINE # 155- XXXX {$750.00} Foreclosure sale cost LINE # 156- XXXX {$1500.00} Filing fee LINE # 170- XXXX {$380.00} Attorney fee LINE # 171- XXXX {$75.00} Foreclosure sale cost LINE # 172- XXXX {$70.00} Foreclosure filing cost LINE # 186- XXXX {$300.00} Foreclosure filing cost LINE # 195- XXXX {$660.00} XXXX Misc. Fee Assessed TOTAL FORELCOSURE FEES OF {$14000.00} Furthermore this loan was originated as a predatory adjustable rate mortgage with Washington Mutual. Per the XXXX of XXXX, all of these predatory adjustable rate mortgages were to be eliminated from circulation by way of modification of these loans by Chase and this failure further support my argument while incriminating Chase in their years of abuse against my family.

Company response to consumer: Closed with explanation