Consumer complaint received 2015-08-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I hope you can understand my predicament my initial complain was case # XXXX it was submitted XXXX XXXX that was what i thought i was up against but i was wrong I got a call a couple days ago from Chase stating that during the investigation of my initial claim they found out that i had a outstanding balance with Chase for XXXXXXXXusd consequence of the short sale of the property i owned. This was news to me and I told them that i had the settlement and it did not show any debt on my part. They argue that they had sent me a letter back in XXXX which when the sale happened, and i dont recall receiving such letter. Anyway I made sure back then trough my broker and the company doing the short sale XXXX XXXX XXXX that after the short sale i would not have any debts whatsoever. The people doing the short-sale were dragging their feet and i kept paying the mortgage and every 3 month i would get a note from them asking to renew all the papers that i had sent 3 month earlier, this went on for a while and my house was not even listed, my attorney advise me to stop making the payments and sure once that happened it took them about 6 months and the house was sold, that tarnished my credit but the house was sold. This happened in XXXX in XXXX I wanted to get a credit card and upon my application it was denied so i thought it was due to the initial case with Chase that they have not notify the credit report institutions, called my lawyer and he received a letter from Chase making reference to the initial case ( insurance being forced on me while i had the house insured ) so i did not pursue the credit card and forgot about the deal thinking that everything was ok with my credit report. Until this year that i decided to purchase a house and got the same surprise from the financial institution saying that my credit report was fair not good enough for a loan, so i got into my credit report and what i found scared me and confused me. Report XXXX/XXXX/XXXX shows all XXXX reports account # XXXX CLOSED, account balance XXXX, amount past due XXXX and report XXXX/XXXX/XXXX shows ACCOUNT OPEN, account balance XXXX amount past due XXXX, so same report XXXX different dates and situation changed, how is it possible if as they say i owe XXXX they allow 4 years to go by with me not paying a dime and there are no complains no notifications, no phone calls or no default accounts or anything. And it only surfaces now that im complaining about what i thought was my problem. I do not know how to proceed they ( Chase ) told me on the phone that they will be sending all the documentation to my mailling address, here is the problem I live in XXXX, XXXX have a US mailing address that picks up my mail in FL and brings it to XXXX without having to go through the XXXX mail, but some times it takes a while, I work in XXXX and will be going out of XXXX next week for 1.5 months, I think I need a lawyer but now i do n't have XXXX and have no idea were to start looking for XXXX, whats happening to me should have never happened I still curious to see what letter Chase is talking about because i do not recall it, and what is even more surprising to me is how i was able to sell the house without showing my debt in the settlement, this was suppose to be a Obama program to help us guys that got screwed with the housing debacle, I do n't see how this is helping me. 
I need your help, please let me know if i can get in touch with someone on the phone to see what can be done. This should 've never happen. 
ThanksXXXX XXXX

Company response to consumer: Closed with explanation