Consumer complaint received 2016-05-20
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
This is my second complaint. Chase/XXXX denied any wrong doings in regard to my home modification/servicing my home modification. The response was expected since banks have paid billions in fines already. With that being said, I have documentation that Chase forgave over several thousands ( Dodd-Frank Certification ) meeting all criteria for the ( MHA ) signed by Chase. This reduction was never incorporated in my home modification. What is not clear is why Chase " deferred '' XXXX as part of the loan modification. Any intelligent banker reviewing my modification would respond " you call this a loan modification? During this period, I was informed by Chase/Seterus to quit making payments so I could qualify for some federal assistance program. Boy, was that a mistake. Every time I discussed my issues especially with Chase they gave different and conflicting info. They never provided their full name or phone number. I talked with several reps across the country and they never took notes or returned my phone call. Soon, that became the norm. I wanted to talk with the same rep on a regular basis who was familiar with my situation. I would like to see/verify the additional following responses : Who has the deed to my location? Chase filed a discharge in XXXX 2014 almost three years after modification..Why is that and does Chase still have any involvement or are they working with XXXX? What did XXXX pay for the loan transfer from Chase? Also, Chase utilized attorneys from XXXX, Michigan ( XXXX XXXX XXXX ) to strong arm me utilizing tactics to foreclose rather than make arrangements for me to keep my house. Again, the numbers from Chase/XXXX XXXX XXXX are completely different and do not match. Why is that? I went thru a modification and it ended up costing me more and destroyed any credit rating I could have obtained. Did XXXX review any of the loan modification paperwork prior to purchasing/servicing same? Since XXXX does not make loans, it is more convenient for them to foreclose and make more money. If XXXX does own the loan, why is Chase still on all documents? I am current on my payments presently but I can not guarantee that will continue in the near future unless I get assistance, a principal reduction and a lower interest rate. I retained an attorney to look into this matter but he was " stonewalled '' at all inquiries. He was also very expensive. I am thinking about notifying my XXXX to look into this matter and resolve these issues to my satisfaction and ensure that all processes were legal. I also want to inspect at least XXXX document from Chase in reference to my modification. XXXX had me fill out these apps in detail and always requested something else. With each app submitted the numbers always changed. The final document which was signed was under duress and with a sense of urgency by Chase. I never knew from one moment to the next if that would be expected. Again, I standby my initial accusation that both XXXX & XXXX ( active participant ) and Seterus ( passive participant ) both committed collusion/fraud and I can prove it. Thank you and I will be awaiting your timely response.

Company response to consumer: Closed with explanation