Consumer complaint received 2016-04-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to finalize a mortgage modification since XXXX 2014 with Chase Mortgage from filing a chapter XXXX bankruptcy. Chase has filed my home in foreclosure after telling me numerous time not to make payments and then make payments to only certain representatives. I had to come up with funds to pay to get it out of foreclosure due to their specialists advice to me on how to make payments. They keep asking for a Quit Claim Deed of which XXXX XXXX no longer allows to be filed. I was told that I had to draw up the document and get my Estranged Ex Spouse to sign it and file it to submit to them. After telling them the judge in my divorce hearing said I only had to file my recorded decree at the county to show ownership of the property. Their specialist called XXXX XXXX Clerk to confirm this, and then called XXXX XXXX XXXX and they said they do accept Quit Claim Deeds, she informed me to go file it in XXXX XXXX? My property is in XXXX XXXX?? After numerous attempts we finally got a trial period set up. I was told to make a payment once I signed the documents to only find out I was kicked out the trial period because of making that said payment. I filed a complaint and they arranged for another trial period. Now I have made the payments on time, and now no modification documents. I am being asked for the same documents required for the trial period. My recorded divorce decree has been on file with them since XXXX 2014. And they are asking for a Quit Claim deed still?? I believe Chase and its investors are just trying strategies to take my home for resale value. I was told once you come out of a trial period, the modification documents should be drawn up to process and sent out to me. That is not happening with Chase. No one can tell me why its taking so long - just either to make the trial payment. And then others say not to make the payment to hold off. The same scenario over and over - NO one knows what they are doing at Chase Mortgage. I am so frustrated at this point. The Escalation managers call you back only to say they will find out what is going on and investigate. Last year after investigating all they sent me was copies of letters that were sent to me regarding my payments. But never sent me the Recorded Line conversations with their specialists giving me the wrong information. Now every conversation I let them know I have their names and dates of every conversation. Today I was told they will go back and listen to the last week conversation of specialist telling to make the trial payment even though the modification documents had not been processed. And then turn around and say hold off on doing so, because if I make the payment, it will only go into a suspense account and be applied to the principal after the modification payments are made. So I would be making payments back to back without a 30 day break. So I went ahead and made the payment today - and finally my specialist calls me back after numerous messages to inform me that it is still in process and holding due to my ex spouse name still on title????

Company response to consumer: Closed with explanation