Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My research project ended in XX/XX/XXXX at a state university, so I got my last paycheck on XX/XX/2016. I use my retirement fund to pay bills. 
1 ) On XX/XX/XXXX, I applied for Chase mortgage assistance since we can not pay {$1900.00} mortgage for a long time. In my application, I listed monthly gross wage {$1000.00} XXXX wife 's salary ). 
2 ) In a letter on XX/XX/XXXX, Chase had a ). question on my income in XX/XX/XXXX, I said I did n't have income after XX/XX/XXXX. b ). another question on my IRS tax return form on our rental home income, but this home was sold. 
3 ) On XX/XX/XXXX, Chase needed my XXXX form in XX/XX/XXXX. Before my application, I had a mortgage assistance checklist. Why did n't Chase list this document in the checklist? I feel Chase intentionally delayed our applications, while every applicant was suffering the income loss/reduction. Chase needed an income/loss statement for my company, while I did n't earn any money. So, I faxed XXXX documents to Chase on XXXX. 
4 ) On XX/XX/XXXX, I received another letter : XX/XX/XXXX ) They asked the same question -- what was the rent income in your tax return? XX/XX/XXXX ) They asked for my current paycheck stub since the " document they had has expired ''. Again, I told Chase I did n't have income after XX/XX/XXXX. They asked us the same questions again and again -- sound we 're providing faked information. XX/XX/XXXX ) On my income/loss statement, Chase stated it must be signed and dated by all persons. Why did n't they tell me in the previous letter? 
5 ) In a letter on XX/XX/XXXX, or after 3 months of my initial application, I was informed my application was declined due to high income. I received this letter in the end of XX/XX/XXXX, but found my appeal deadline was XX/XX/XXXX. 
6 ). HOW CHASE FABRICATED MY INCOME. In the decision letter, our monthly gross income was {$3400.00} -- Chase fabricated it and used this faked income to decline my application ( I only listed {$1000.00} ). I called Chase mortgage many times and they sent me a letter on XX/XX/XXXX to explain their decision. They used my " gross income '' in my XX/XX/XXXX XXXX form {$45000.00} ( fraud information # 1 ). In my XXXX form box XXXX, my gross income was {$40000.00}, while box XXXX was my social security wag {$45000.00}. A Chase staff did n't know the difference? No, they fabricated my " high income ''. They decided my gross monthly income in XX/XX/XXXX as {$3800.00}. Chase " invented '' a formula : my CURRENT monthly income= {$3800.00} ( XX/XX/XXXX income ) - {$1300.00} XXXX from my company loss ) + {$1000.00} XXXX wife 's salary ) = {$3400.00} XXXX fraud information # XXXX XXXX. I calculated many times and I have a Ph.D. degree, but my result is {$3400.00}! Chase staff 's math is so POOR because their professional ethics is poor. 
7 ) MORE FAKED INFORMATION : Chase claimed I " was expecting a new grant in next XXXX months '' ( fraud information # XXXX ). But in my application, I wrote " could not get any new grant in next XXXX months. Or no salary situation will last at least XXXX months. '' Indeed, from XX/XX/XXXX to XX/XX/XXXX or 6 months, I did n't get any research grant and it 'll last at least another 5 months! 
8 ) A DISCRIMINATION CASE OR SYSTEMATIC FRAUD TO ALL APPLICANTS? An applicant applies for mortgage assistance due to income reduction or loss in THIS year. But Chase used last year 's income, so no one can get assistance since last year 's income was always enough, otherwise we applied in last year. Chase 's " income invention '' also contradicts scientific principles since today 's income is mainly determined by last year 's income. I believe from long application delay and inventing an income formula, Chase systematically denies most applications. Because if we get mortgage assistance, Chase will lose mortgage interests right away. I request you 'd get all Chase 's applications with the same time with my application to determine 1 ) Chase 's systematic fraud or 2 ) A special discrimination case to me, since my name is a typical foreign and XXXX name. Thank you.

Company response to consumer: Closed with explanation