Consumer complaint received 2017-08-15
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This journey started in XX/XX/XXXX my wife company laid her off due to she could no longer perform her duties at work due to XXXX. 1. XX/XX/XXXX ( notice of intent to foreclose ) 2. XX/XX/XXXX ( defendant of platform modification of {$2300.00} monthly mortgage note due to being terminated from job in XXXX 3.XX/XX/XXXX XXXX XXXX XXXX ( defendant )  passed due to XXXX. ___________________________ XXXX 1.XX/XX/XXXX ( home loan may be eligible for modification program/notice of intent to foreclose ) 2. XX/XX/XXXX account turned over to plaintiffs assistant program defendant receives letter. 3.XX/XX/XXXX ( notice of trustee sale ) 4. XX/XX/XXXX ( XXXX XXXX XXXX makes requests to postpone sale date XX/XX/XXXX ) 5. XXXX XXXX XXXX and defendant faxed to plaintiffs 31 page modification package of required documents for home modification for defendants own at XXXX XXXX XXXX, XXXX, TN 6 XX/XX/XXXX modification plan is changed to forbearance plan sent to defendant XXXX XXXX 1. XX/XX/XXXX request for modification and affidavit ( RAM ) filled out and sent plaintiff 2. XX/XX/XXXX plaintiff since defendant a modification requests confirmation ( MHA ) from their making home affordable program. 3. XX/XX/XXXX neighborhood assistant program ( XXXX ) is requesting defendant to send all information for ( RAM ) to be sent to plaintiff. Defendant confirms everything is been sent to plaintiff also defendant signed documents of defendant from plaintiff. 4. XX/XX/XXXXplaintiff sends letter to defendant that making home affordable modification trial. Plan had expired because the defendant did not send in all the required documents with the defendant had sent in all documents to plaintiff that was request.
5. Duing this time starting all this XXXX to XXXX XXXX defendant sent in required payments into modification plan of {$1100.00}, sent to plaintiff after 10 months of making faithful payments on time I was not allowed to make any more payments even though I requested to continue to pay the {$1100.00} but their reasoning was I did not get all required paperwork in on time. 6. XX/XX/XXXX plaintiff since defendant response to requests for loan modification and requests a noble set of documents sent in for a mortgage modification through making home affordable ( MHA ) program 7. XX/XX/XXXX making home affordable ( MHA ) program since defendant confirmation letter. 8. XX/XX/XXXX sends letter confirmation of authorization for neighborhood assistant program ( XXXX ) to have access of records. 9. XX/XX/XXXX plaintiff requests for additional documents ( a ) recorded death certificate of deceased defendant ( b ) power of attorney for deceased defendant, information was sent in. 10. XX/XX/XXXX another set of documents sent in by defendant to plaintiff for requests for modification and affidavit ( RAM ) _________________________________________________ XXXX 1. XX/XX/XXXX, Plaintiff sends Statement of Ineligibility for loan Modification to Defendant. 2. XXXX XXXX, Plaintiff sends Defendant Letter for consideration for Home Affordable Foreclosure Program ( HAFA ) 3. XXXX XXXX, Plaintiff sends information once again for Making Home Affordable ( MHA ) Program 4. XX/XX/XXXX Plaintiff sends letter to Defendant they will no longer pay Home Owners Insurance. 5.XX/XX/XXXX Defendant sends letter Documents needed to complete Making Home Affordable ( MHA ) Program 6. XX/XX/XXXX, Plaintiff sends letter to Defendant that stated : During a recent review of accounts, we discovered that the letter advising you of your ineligibility for a modification contained certain incorrect Net Present Value ( NPV ) information ( input values ). We apologize for this error. We are enclosing a letter with the corrected NPV input values 7. XX/XX/XXXX Plaintiff sends Defendant, Corrected information for your Records letter which stated : Please note that our denial of your request for a modification was valid and the NPV input values used to conduct your original evaluation were correct. Due to our communication error, however, you now have 30 days from the date of the attached letter to contact us regarding the information provided. If you have any questions, please call us at the telephone number listed below. 7. XX/XX/XXXX, Plaintiff once again sends Defendant Letter for consideration for Home Affordable Foreclosure Program ( HAFA ) 8. XX/XX/XXXX Documents was sent from Neighborhood Assistance Program ( XXXX ) to Plaintiff for Request For Modification and Affidavit ( RAM ) Program for Defendant 9 XXXX XXXX, Defendant sends mortgage loan assumption application package as requested by Plaintiff 10. XX/XX/XXXX Plaintiff sends Letter to Defendant, Ineligible for modification 11 XX/XX/XXXX, Defendant sends mortgage loan assumption application package as requested by Plaintiff 12 XX/XX/XXXX Plaintiff turns Defendants account over to Customer Assistance Specialist ( XXXX XXXX ) 13 XX/XX/XXXX Plaintiff turns Defendants account over to Customer Assistance Specialist ( XXXX XXXX ) 14. XX/XX/XXXX Plaintiff receives letter from Defendant which states : HOPE NOW is a partnership between mortgage companies and non-profit housing counselors. Our mission is simple : we reach out to and attempt to assist homeowners who may be having difficulty paying their mortgages. Your mortgage company, Chase is a member of this alliance. Through this alliance, you can easily find out about relief options that may include repayment plans, changes that can be made to the terms of your mortgage, and other alternatives for which you may be eligible. There is no cost to explore these solutions. 15.XX/XX/XXXX Documents was sent from Neighborhood Assistance Program ( XXXX ) to Plaintiff for Request For Modification and Affidavit ( RAM ) Program for Defendant 16. XX/XX/XXXXDefendant sends letter to Plaintiff Acceleration Warning ( Notice of Intent to Foreclose ) 17 XX/XX/XXXX Acceleration Warning ( Notice of Intent to Foreclose ) sent to Defendant by Plaintiff ____________________________________________________ XXXX 1. XX/XX/XXXX Plaintiff sends letter to Defendant that the request for a modification under the Home Affordable Modification Program ( HAMP ) has been received 2. XX/XX/XXXX Defendant sends letter to Plaintiff that states : A new Form is required for the Dodd-Frank Eligibility Certification they said at least one borrower signature was missing on form that was returned ( deceased wife signature was left off ) 3. XX/XX/XXXX Plaintiff turns Defendants account over to new Customer Assistance Specialist ( XXXX XXXX ) 4. XXXX XXXX and XX/XX/XXXX same letter Plaintiff sends Defendant letter that states : Send loan assumption package within thirty days to be considered for program because I ( defendant ) am not a borrower on mortgage loan. ( have letter from Assumption Dept.  they received information XX/XX/XXXX ) 5. XX/XX/XXXX Defendant sends list to Plaintiff of all requirements for loan assumption 6. XX/XX/XXXX Letter is sent by Plaintiff to Defendant for information needed to complete processing of file, 7. XX/XX/XXXX Plaintiff sends letter to Defendant that states Your Loan is currently in default 8. XX/XX/XXXX Plaintiff sends letter to Defrndant that states : send in missing information within 15 days 9. XX/XX/XXXX Plaintiff sends in Home-owners Information Packet that was requested to Defendant 10.  XX/XX/XXXX turns Defendants account over to new Customer Assistance Specialist ( XXXX XXXX XXXX ) 11. XX/XX/XXXX Request by Plaintiff to Defendant to send in another request For Mortgage Assistance Program ( RAM ). The deadline to get it in XX/XX/XXXX 12. XX/XX/XXXX Request by Plaintiff to Defendant to send in another request For Mortgage Assistance Program ( RAM ). The deadline to get it in XX/XX/XXXX 13. XX/XX/XXXX Letter from Plaintiff to Defendant that states : Your Mortgage Loan Has Been Refereed to Our Firm For Foreclosure 14. XX/XX/XXXX, Letter from Plaintiff to Defendant that states : Notice Of Right to Foreclose 15. XX/XX/XXXX Plaintiff request Defendant to send in another request For Mortgage Assistance Program ( RAM ). The deadline to get it in documents is XX/XX/XXXX 16.  XX/XX/XXXX Plaintiff sends update to Defendant for request for a loan assumption modification package which states they can not help but have other options 17.XX/XX/XXXX Plaintiff turns Defendants account over to new Customer Assistance Specialist ( XXXX XXXX ) 18. XX/XX/XXXX Plaintiff sends Defendant Acceleration Warning that states : Property at XXXX XXXX XXXX XXXX Tn. Is in default. XX/XX/XXXX 1. XX/XX/XXXX Plaintiff sends in another Homeowners information Packet 2. XX/XX/XXXX Defendant Declines Neighborhood Assistannce Corporation Of America Proposal for Modification for Plaintiff. 3. XX/XX/XXXX Plaintiff sends letter to Defendant which states : your Property may be referred to foreclosure 4. XX/XX/XXXX Defendant sends Plaintiff another request For Mortgage Assistance Program ( RAM ). The deadline to get it in documents is XX/XX/XXXX 5. XX/XX/XXXX Defendant sends Letter to Plaintiff which states Your Mortgage Loan Has Been referred To Our Firm For Foreclosure 6. XX/XX/XXXX Defendant sends Plaintiff New Foreclosure Sale Date which is XX/XX/XXXX 7.  XX/XX/XXXX XXXXefendant Request Plaintiffs documents to be sent in within 30 days 8. XX/XX/XXXX Plaintiff sends Forms to Defendant for Name change request on loan 9. XX/XX/XXXX Plaintiff sends out another letter for documents from Defendant to be sent in within 30 days for a loan and assumption modification all documents including name change documents were sent in. 10. XX/XX/XXXX Plaintiff sends letter to Defendant that Defendant had put in a request for home at XXXX XXXX XXXX to be sold in a short sale. ( That was incorrect information that did not come from the Defendant ) 11. XX/XX/XXXX Plaintiff sends Defendant new foreclosure sale date XX/XX/XXXX 13 XX/XX/XXXX Another Homeowners Information Packet is sent to Plaintiff from Defendant ( m ) XX/XX/XXXX Plaintiff sends letter to Defendant ( notice of upcoming foreclosure ) also request for modification denied 14. XX/XX/XXXXPlaintiff request Defendant to send in documents within 30 days to be considered for a loan assumption 15. XX/XX/XXXX Plaintiff sends Defendant new foreclosure sale date XX/XX/XXXX 16. XX/XX/XXXX Plaintiff informs Defendant that escrow account has been cancelled 17.  During this time the Defendants representative XXXX XXXX XXXX had informed the Defendant that He had failed to send in all of the information requested. What she informed the Defendant was missing, was the Defendants home owners insurance information. And that was the reason I was turned down for an assumption loan. I reminded The defendants representative XXXX XXXX, the Plaintiff was paying the Home owners Insurance each month. She then told the plaintiff to resubmit the information with the insurance information in it even though the Defendant was not paying it. The Defendant sent the information right away. When defendant didnt get a response He called The Plaintiffs representative XXXX XXXX. She informed the Defendant that His information had been misplaced she could not find it. She informed the Defendant to call back the next day give her a chance to fine it. The defendant called the next day she would not answer calls or return any calls to let defendant know what was the status of the information She had misplaced. That is the Same day my home went into foreclosure for the final time. _____________________________________________ I had many options that I could have pursued during this time but I believe, know I know with no reservation that Chase dishonestly continue to lead me on into thinking they had a plan and they would transfer my name onto the loan which only had my wife 's name on it. They deliberately deceived me into thinking they had a plan until all of my options were eliminated and then they would take my home which I personally demolished 90 % of the existing home. Designed and built as my own contractor a new home which went from a XXXX sq. foot. house worth a {$100000.00} dollars in XX/XX/XXXXto a XXXX sq, foot house worth over XXXX in the XXXX market in XXXX. So they knew exactly what they were doing. I have tried to fight this battle without a lawyer its been in general court about five times I have been in XXXX court where a friend help me through this process but he did not show up for court or tell me of the court date so it was thrown out I got it in circuit court, I did a chapter XXXX and when the case was brought back to circuit court I was not notified by the Plantiff and it was thrown out of circuit court it is back in chapter XXXX I have not been able to afford a lawyer my court day is XXXX XXXX, for that hearing but on XXXX XXXX Chase has made a motion to remove the home from the Chapter XXXX because they filed the motion before I got all of the Chapter XXXX, paper-work in due to my own mistake of not being able to obtain a lawyer and not understanding the paper work that was needed. I have run out of options I live in XXXX if I loose this home there is no more options for me simply because of the crazy housing market in XXXX I have a XXXX year old XXXX son that will remain with me due to his XXXX. So I have run out of options dealing with a dishonest company with no resources to fight this dishonest and corrupt company in court.

Company response to consumer: Closed with explanation