Consumer complaint received 2015-07-15
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
DATE : XXXXTO : Consumer Finance Complaint Protection BureauXXXX. XXXX XXXX XXXX, XXXX XXXX FAX : XXXXCC : XXXX XXXX Chase Customer Assistance Specialist FAX : XXXX : XXXX XXXX XXXX FAX : XXXXFROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX E-Mail : XXXXXXXXXXXXRE : Chase Mortgage Account # XXXXThanks to the AARP Foundation Reps regarding my Chase Home Finance Mortgage I was directed to the FHA, FTC Consumer Finance, phone XXXX in which I spoke with XXXX, who explained what I should do. AARP Foundation Reps instructed me to find out what kind of loan do I have? They also told me Chase CSR 's should be able to explain the options available of REINSTATEMENT, FORBEARANCE, REPAYMENT PLAN, LOAN MODIFICATION, REFINANCE. The AARP Foundation has my asked permission to do an advocacy follow-up/outcome article regarding my experiences with finding the right resources to help me. Please note that I have not given them permission until I find out more about it. 
I 've spent the last 2 weeks trying to find out whether or not my home loan is a XXXX, XXXX XXXX, HUD or even if it exists. I did, no loan record, HUD instructed me to FHA. 

I have confided in several of Chase 's Home Finance customer service reps in my pursuit to catch up on my mortgage. My last payment of {$950.00} on XXXX XXXX, XXXX was not recorded. 
I have a history of getting the wrong information since the inception of my loan on XXXX XXXX, XXXX. Recently with the last 6 months I received XXXX notifications XXXX XXXX told me that I was going to be getting some kind of increase on mortgage payment, the XXXX XXXX told me to disregard the XXXX XXXX and they made the corrections but they did n't explain what happen why what was corrected. Nobody at the Chase Bank XXXX understands the mortgage that I have. Apparently I was one of the first of Obama 's " Making Homes Affordable ''. My husband and I had our IRA 's account balances depleted over XXXX % in XXXX and forward. I 'm XXXX retired and in ill health. 
I truly appreciate XXXX 's help and especially her patience with me as for almost 40 years I was in customer service. However, after asking if I could submit it verbally, she informed me that doing so I would not be able to submit any of my documentations either by mail or internet to be looked at by the FHA just a claim number. Nothing after a verbal submission could be submitted to support the claim. So, with the help of my son and XXXX voice we are faxing the documentations. 
Thank you for any consideration you might have for my current circumstances. I have a lot of important things that are going on especially with my husband upcoming emergency XXXX on XXXX XXXX and I am exhausted but must get some answers before Chase takes further action and because of my circumstances, illness, fixed income, and an overwhelming medical expense debts in which I implore you to help me for fear of being taken advantage of and losing my home of almost 30 years. Also, I have been in contact with HUD in XXXX, " Home Repair Services '', a XXXX XXXX ; phone XXXX. 


Sincerely, XXXX XXXXThe am listing current pertinent communications, ( though I can provide more documentation if necessary as I haven in contact with Chase Home Finance since the inception of this loan ), I have had with Chase CSR 's especially XXXX XXXX, ( who has been of great help to me ) and I have tried to keep all written communication in date descending order : XXXX XXXX, XXXX : Called XXXX XXXX a XXXX XXXX. Message office closed return call during Mountain Standard Time. 

XXXX XXXX, XXXX : Received VM from XXXX XXXX XXXX call to her however got same recording office closed.

Company response to consumer: Closed with explanation