Consumer complaint received 2021-11-12
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage lender is Chase Home Lending. I applied for a forebearance when I got laid off from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The forebearance was granted, however, I was still paying my mortgage payments trying to catch up and not let my payments get too far behind. I was in late payment status when I started with the forebearance. Had I been able to continue to work for XXXX XXXX XXXX I would have been able to bring my arrearages current. I lost my job because the XXXX XXXX changed my job description and sent me out in the field, as a XXXX XXXX. I asked for an inside job, since I was a high risk for Covid-19. They put me on a hold to see if I could find an inside job, but on XX/XX/XXXX I was laid off. I applied for unemployment but was denied because I filed the regular way and TWC told me I couldn't draw unemployment because I didn't have enough money in the account. I have since gone back to TWC and asked for a review of my unemployment because I filed under the wrong way. I have kept Chase current on my back payments and ask for a repayment plan but was told there is nothing that the mortgage company can do for me. I felt that the relationship manager denied to work with me on my loan because of a conversation I had with one of his team mates. He refuses to talk with me about my loan and trying to work out a solution to avoid foreclosuer. He sent me a denial telling me to deed the property back or sell it, and I had until XX/XX/XXXX to do it. I have filed a discriminatory complaint against the Chase mortgage department because of how I have been treated with no respect when I call in to talk to someone about my situation and their refusal to allow me to stay in my home. I am XXXX years old, XXXX woman and have owned my home for 20 years. I got behind on my mortgage due to increase in living expenses, but was paying twice monthly trying to catch up. I was two months in arrears when the pandemic hit. This Bank mortgage encouraged me to take the forebearance and told me I didn't have to make any payments for one year, but I kept paying what I could because I didn't want to get further behing, now the bank come back demanding that I pay all arrearages now or give my home up. I think it is deceptive when the mortgage company encourage you to take a forebearance and set you up later for foreclosure on your property if they can't pay all the arrearages. Chase Mortgage Lending need to be investigated for deceptive and racial disparities in their mortgage lending programs. I do not want to lose my home to foreclosure on XX/XX/XXXX because I cant get my relationship manager, Mr. XXXX XXXX to talk to me in finding a resolution to my mortgage problem. I am divorced, I purchased my home in XXXX when I retired from XXXX XXXX XXXX. I paid cash for my home with some of my retirement, now I stand to lose all that I have worked for during almost 30 years. Please help me keep my home. I worked out a loan modification with Chase back in XXXX. The agreement was for 40 years with no intent to foreclose. Chase acquired my loan from XXXX XXXX  in XX/XX/XXXX. My original loan was a Home Equity loan with XXXX XXXX. This mortgage company went out of business due to deceptive trade practices, then changed their name to XXXX XXXX  which also went out of business for the same reason. When XXXX lost their mortgage business, my mortgage was assigned to XXXX XXXX XXXX, which is a part of XXXX XXXX. Chase acquired my loan XX/XX/XXXX and changed the terms of the original loan and modified the loan in XXXX because I had so many problems with the previous mortgage companies. XXXX mortgage tried to foreclose on my home in XXXX, I filed a chapter XXXX to keep it, the company stop taking my payments before they went out of business, then assigned my loan over to XXXX XXXX  who never accepted a payment from me, they tried to foreclose on my home and I filed another chapter XXXX to keep from losing my home. then they lost their mortgage license, then my mortgage loan was sent to XXXX-XXXX XXXX  and this company tried to foreclose on me and stop taking my payments. I filed a chapter XXXX on them. Finally XXXX XXXX lost their mortgage business due to all three being predatory lenders and was sued by Consumer Protection Agency for predatory lending practices to XXXX and XXXX. Now Chase Mortgage acquired my mortgage loan knowing the previous events that had happened with my mortgage. I have written a letter to XXXX XXXX to give me the Deeds to my property because I believe he took over my mortgage to foreclose on it so that the bank can make money and leave me homeless. I have fought continuously to keep my home and will continue. I filed with the Commission on Currency because my original loan was a home equity loan and The commission informed me that I had a lawsuit against XXXX XXXX  for damages and I should pursue the lawsuit asap, but after filing all those chapter XXXX 's I had no money to hire a lawyer, I was XXXX  impacted from having to fight to keep my house and not knowing why I was being constanly foreclosed on by all these predatory lenders. I believe I am due monetary awards from all these lenders for emotional distress, mental anger, humiliation and XXXX  XXXX having to go through all this within a short time frame, beginning in XXXX, XXXX, XXXX, XXXX, and again in XXXX. Please stop my foreclosure with Chase so that I don't have to go down this road again. 
Thanks sincerely, Ms. XXXX XXXX XXXX Loan # : XXXX, Chase Mortgage Lending

Company response to consumer: Closed with explanation