Consumer complaint received 2016-12-16
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello - I purchased my home XXXX, XXXX. The father of XXXX little boys passed away XXXX, XXXX and I got laid off in XXXX, XXXX. In XXXX, XXXX, I was asked to come back to work with a promotion so I did. I remarried in XXXX XXXX, XXXX, and my position was abolished due to XXXX budget cuts along with XXXX other XXXX employees XXXX, XXXX. After that, it was very difficult to find a job. It was like because I had worked for the XXXX I had a " XXXX '' following me around. I still kept applying for employment until I finally found a part time job in XXXX, XXXX. My husband started being mean, hateful, and abusive to my XXXX boys so I kicked him out and after I found out his was stealing money out of our bank account and purchasing larger expensive items behind my back I ended our marriage. At that time, he left me with {$200.00} for pay bills and feed XXXX children. He took all of our money out of the accounts and closed them. It was honestly the best decision of my life, because he did n't ruin my boys. But he was out to ruin me and " make my life XXXX so I would beg for him to come back '. He tried to fight in court to get custody of all XXXX of my children which did n't work because he had no XXXX rights to my XXXX sons. My daughter he did get shared parenting with her. In XXXX, XXXX, I found a job at XXXX where I could work full time and received benefits. Financially, I lost {$70000.00} after my divorce was said and done. I was going to use that money to pay off my house. Yes, I have struggled. Yes, I have been late on payments but I still made them in order to keep a roof over my kids head. I have n't stopped applying for jobs that make more money but I have n't gotten anywhere. I have had XXXX interviews and am praying I get XXXX of them. 
The problem I am having this year is that in XXXX, XXXX I mailed a four full payments ( {$2800.00} ) that I was behind on due to having to pay for my son 's graduation from high school. Chase bank rejected it and send them back saying I could n't send four separate checks. So I wrote one big check ( for the past due amount of {$2800.00} and I sent a separate check paying for XXXX for {$600.00} again a full payment of past due and for the current month as the bill showed ) and mailed it right back to them. Then in XXXX, XXXX they rejected that full payment and said I needed to send a cashier 's check. So I went up to the bank and got a cashier 's check in the amount of ( {$3400.00} which was a full payment and I would have been up-to-date with my payments thru XXXX, XXXX. XXXX XXXX, XXXX, I received my cashier 's check back in the mail saying they rejected it because XXXX, XXXX payment was now due. Then Chase bank started foreclosure proceedings the very next day. I contacted a HUD housing agency to help me and Chase rejected the modification which would of helped me a lot right now. They said my options are 1- quick sale, 2- pay in full up to date 8 months plus all of the legal fees, etc. or 3- let them foreclose. It 's XXXX and I need help. I do n't want to lose my house I need it for my children. Please help me.

Company response to consumer: Closed with explanation