Consumer complaint received 2017-02-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I submitted my last request for mortgage assistance in XX/XX/XXXX, CHASE has done everything in their power to prolong the entire process to ensure they can take my house. In XXXX XXXX, they just requested my XXXX and XXXX tax returns. I filed my XXXX tax Returns in XXXX. CHASE purposely delayed my application. Between XXXX., when I submitted my application, and XXXX, I was asked to submit multiple sets of pay stubs. All of the pay stubs have me grossing over 3,000 every two weeks ( between XXXX and XXXX XXXX dollars a month ) as well as I have an additional XXXX dollars of boarder income. Based on this information, my application that normally takes two months for them to deny me went to ten months and then they requested a new application when they had everything that they required. When I actually qualify for the repayment plan, I could not get them to process my application. CHASE strategically stopped processing my application and has delayed everything because they know as a XXXX, I get less income over the summer and at the beginning of the school year. Even though I have sent in pay stubs on three different occasions, they requested a new application and pay stubs in XXXX. They know I just returned to work and my pay is extremely low. On the day my pay stub hit my CHASE account, they called me twice to request that I send in my pay stubs. From this behavior, I also believe that they have illegally accessed my personal CHASE account. What CHASE did was Unethical and should be criminal. I am a XXXX and all I wanted was help to keep my home. I increased my income, had a boarder income and did everything CHASE told me I had to in order to qualify for a repayment plan. CHASE on the other hand has been unscrupulous and purposely withheld my application and started the process at the end of the summer/beginning of the school year. Because of the delay, the documents I had originally sent in expired. They had all the documents and should have processed my application based upon the documents they had. Everything they needed, was sent in. If they needed something else, they waited months to request something that they could have been requested. This is my fourth request for a repayment plan. The other times, I was denied within two months. I was only making XXXX a month and did n't have the extra XXXX boarder income. The time that I do have more income, almost 7,000 dollars a month in income plus an extra XXXX dollars of boarder income, they have twiddled their thumbs and now want me to start my application over again. Initially, CHASE did not even tell me I was in foreclosure. They cashed my payment and then refunded it and stated I was in foreclosure without notice. CHASE is circumventing the rules and using multiple tactics to take my home. At this point, I have decided to stop fighting as it is clear that I will not win. Although even the attorney general, has questioned CHASE 's adherence to mortgage laws, which they have misrepresented themselves, and I do have the proof to show they did not act in good faith or lawfully/ethically with the handling of my last request for a repayment plan, I still feel as though the little guy never wins. I ca n't just sit and wait for them to take my home ; however, they need to be punished for what they did to me to ensure they stop these unethical and illegal practices. I cried many nights and want to ensure that policies that were put in place to help people are n't abused like me. Because of lawyer fees, taxes, interest, and mortgage payments accrued month after month and it is unfair that I am liable when they were just trying to take my home, regardless of what the law said. My documents and phone conversations that they record will prove that they willfully and unlawfully asked for things multiple times and sat on documents in order to ultimately take my home.

Company response to consumer: Closed with explanation