Consumer complaint received 2015-06-20
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The Bankruptcy Judge stated that my house issue needed to be handled in my county 's superior court. In XX/XX/XXXX, I dismissed my Chapter XXXX case where the only debt in question was my home. The Bankruptcy Judge refunded the leftover of the alleged mortgage payments that I paid to the Bankruptcy Trustee back to me once XXXX was paid. The Bankruptcy Judge did not allow XXXX cent to be paid to Chase because Chase did not prove ownership of the alleged mortgage. XXXX got money because XXXX proved ownership of my car. 

In XXXX XXXX Court, I lost part of my Quiet Title litigation because I had a bad attorney who later got disbarred XX/XX/XXXX by the Georgia Bar. Given the urgency of time to file an appeal, I filed my appeal pro se with the Court of Appeals and lost my appeal due to my little legal knowledge. 

In XX/XX/XXXX, even though I knew that Chase is not the rightful owner of my alleged mortgage, I initiated a loan modification because I got so tired of being in limbo with my house. For many weeks thereafter, Chase lost documents that I faxed and I re-fax, then Chase demanded new ones. 

In XX/XX/XXXX, numerous Chase representatives told me that all documents needed for the Chase underwriter was received and complete. For weeks, XXXX XXXX, the Chase Customer Service Rep and XXXX XXXX, Chase 's Executive response team, asked me to write a letter without justification and not related to any of the documents that I submitted to Chase. I asked both to please put the new requirement in writing so I better understand what is needed. 

For over 6 weeks, I asked repeatedly by phone and fax for clarification from Chase to state the new requirement and was told that the requirement remains verbal. XXXX XXXX and XXXX XXXX told me that there is no way to generate a letter stating Chase 's new requirement. In XX/XX/XXXX, Profit and Loss statements that were shown complete since late XX/XX/XXXX in Chase 's correspondences now show incomplete. My request for an explanation has been ignored for weeks. 

I went to an event in XX/XX/XXXX and met an attorney who stated that all Chase has done so far, is Chase 's process before foreclosing on a house. He said that Chase has no intention of doing a loan modification and that Chase will continue to frustrate me by asking for irrelevant documentation through verbal instructions. Verbal instructions gives Chase the opportunity to claim that I did not submit required documents and that the verbal instructions documents that I submitted were not requested. 

In almost 3 weeks, I stated that I will be recording conversations with Chase especially since my last conversation with XXXX XXXX was a shouting match. XXXX XXXX and XXXX XXXX has not called me since then. The last correspondence from Chase states a XX/XX/XXXX due date showing Profit and Loss that were shown complete in XX/XX/XXXX, now incomplete AND no explanation from Chase as to what got the already complete Profit and Loss to be incomplete. 
I faxed numerous letters to ask for clarification and got silence. HELP! 
I look forward to your assistance.

Company response to consumer: Closed with explanation