Consumer complaint received 2018-03-28
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX, I was approved for an FHA Trial Modification with Chase. 

My payments were XXXX. I made my payments on XX/XX/XXXX and XX/XX/XXXX. 

When I mailed my XX/XX/XXXX payment, it was returned by Chase. I called chase and spoke with their single point of contact, XXXX and he told me I had been sent a PERMANENT, FHA Loan Modification. On XX/XX/XXXX, I executed the documents in front of witnesses and a notary ( see attached ) and returned it to Chase. Chase called me the following week to inform me that my signature was unacceptable. However, my signature was witnessed and notarized. 

In XX/XX/XXXXChase sent me another modification agreement, again I executed it as instructed and Chase again denied my signature. 

Finally, in XX/XX/XXXX, Chase once again sent me a loan modification agreement, I executed it and returned it, ONCE AGAIN CHASE DENIED MY SIGNATURE. 

I am an uneducated XXXX XXXX. I did exactly what CHASE instructed me to do, not on ONE occasion, but on THREE different OCCASIONS in an attempt to steal my home from under me. 

Additionally, CHASE violated 24 CFR 203.604 203.604 Contact with the mortgagor. 
( a ) [ Reserved ] ( b ) The mortgagee must have a face-to-face interview with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. If default occurs in a repayment plan arranged other than during a personal interview, the mortgagee must have a face-to-face meeting with the mortgagor, or make a reasonable attempt to arrange such a meeting within 30 days after such default and at least 30 days before foreclosure is commenced, or at least 30 days before assignment is requested if the mortgage is insured on XXXX home land pursuant to section 247 or XXXX land pursuant to section 248 or if assignment is requested under 203.350 ( d ) for mortgages authorized by section 203 ( q ) of the National Housing Act. 

( c ) A face-to-face meeting is not required if : ( 1 ) The mortgagor does not reside in the mortgaged property, ( 2 ) The mortgaged property is not within 200 miles of the mortgagee, its servicer, or a branch office of either, ( 3 ) The mortgagor has clearly indicated that he will not cooperate in the interview, ( 4 ) A repayment plan consistent with the mortgagor 's circumstances is entered into to bring the mortgagor 's account current thus making a meeting unnecessary, and payments thereunder are current, or ( 5 ) A reasonable effort to arrange a meeting is unsuccessful. 

( d ) A reasonable effort to arrange a face-to-face meeting with the mortgagor shall consist at a minimum of one letter sent to the mortgagor certified by the Postal Service as having been dispatched. Such a reasonable effort to arrange a face-to-face meeting shall also include at least one trip to see the mortgagor at the mortgaged property, unless the mortgaged property is more than 200 miles from the mortgagee, its servicer, or a branch office of either, or it is known that the mortgagor is not residing in the mortgaged property. 

( e ) ( 1 ) For mortgages insured pursuant to section 248 of the National Housing Act, the provisions of paragraphs ( b ), ( c ) and ( d ) of this section are applicable, except that a face-to-face  meeting with the mortgagor is required, and a reasonable effort to arrange such a meeting shall include at least one trip to see the mortgagor at the mortgaged property, notwithstanding that such property is more than 200 miles from the mortgagee, its servicer, or a branch office of either. In addition, the mortgagee must document that it has made at least one telephone call to the mortgagor for the purpose of trying to arrange a face-to-face interview. The mortgagee may appoint an agent to perform its responsibilities under this paragraph. 

( 2 ) The mortgagee must also : ( i ) Inform the mortgagor that HUD will make information regarding the status and payment history of the mortgagor 's loan available to local credit bureaus and prospective creditors ; ( ii ) Inform the mortgagor of other available assistance, if any ; ( iii ) Inform the mortgagor of the names and addresses of HUD officials to whom further communications may be addressed. 

( Approved by the Office of Management and Budget under control number 2502-0340 ) [ 41 FR 49736, XX/XX/XXXX, as amended at 51 FR 21873, XX/XX/XXXX ; 52 FR 48202, XX/XX/XXXX; 53 FR 9869, XX/XX/XXXX ; 61 FR 35019, XX/XX/XXXX ; 61 FR 36266, XX/XX/XXXX ] There are 218 Branches located within 200 miles of my home and yet CHASE never tried to set up a face to face meeting with me to discuss my loan. 

The closest branch to my home is located at XXXX and XXXX XXXX miles XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Driving directions XXXX

Company response to consumer: Closed with explanation