Consumer complaint received 2018-03-20
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I ASK THE BANK TO CLARIFY ANY AND ALL OF THIS COMPLAINT. STATEMENT LIKE " WE TOLD YOU WE CAN NOT ACCEPT THE FUNDS '' IS NOT AN ANSWER. 
XX/XX/XXXX ... Applied for Home Equity. Approved for {$50000.00}. To date, no title search can be located. My income was {$630.00} per month. Value of home by County Auditor was {$66000.00}. No inspection of the home. No termite inspection. My Mother was legal owner via life estate. Major termite damage was found in XX/XX/XXXX. I did not live in the home until XX/XX/XXXX. 
XX/XX/XXXX ... My mother created a life estate making me the remanderman. She would remain in the home until her death at with time I would become the legal owner. The legal description at this time was flagged by the County Auditor as in adequate by today 's standards and needed to be surveyed and a new legal descripion before next transaction. Other than family. 
XX/XX/XXXX ... On the advice of an Attorney, I sold a portion of the property. The Attorney said it was free and clear. Although the deed was notarized on XX/XX/XXXX, it was not recorded until XX/XX/XXXX. In XX/XX/XXXX I had signed my Mothers name and the Recorder said I had to sign my name POA for and then my Mothers name. I went to the Attorneys Office XX/XX/XXXX and added this to the deed. Ohio law does not allow to add to an already notarized document. This wold require a new deed. The Attorney also included a deceased person on the deed. Therefore, a Probate action is required to have the person removed from the deed. 
XX/XX/XXXX ... Foreclosure action filed. A Preliminary Judical Report filed by Banks Attorney. The preceeding information is included in this report. The Bank continues to say that it was unaware of the sale. There were three Attorneys invloved in this Court action and the issues still exist. At least the Bank Attoreny should have made the bank aware of all. The foreclosure was dismissed due to an agreement of The Hardest Hit Fund ( Save The Dream ) The Bank was offered {$25000.00}, to bring the loan current and a modification. The Bank denied. The Bank states they have explained to me many times why that could not accept the offer. The only explaination is The Bank could not accet the funds. This is not an explanation. The Bank accepted the offer of making 18 months of payments. The only relief from this offer was not having to make a payment for 18 months. After the 18 months, not able to make a high payment still exist. 
Prior to the Foreclosure and until the present a modifiction was always denied. I was told once by a Bank Rep that I could not be approved for a Mod because I was behind on the payments. 
XX/XX/XXXX ... Request for modification. I have a letter from the bank dated XX/XX/XXXX, requesting Quitckaim or Warranty Deed, to be received by XX/XX/XXXX.

XX/XX/XXXX ... Approved for a Trial Payment Plan for my loan. I made three payments of {$230.00}. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was advised to be sure to make the payments and a permenant modification would be made. I never received any information after making the last payment. 
XX/XX/XXXX ... Letter from the Bank, XXXX XXXX, mortgage assistance is canceled because they did not receive information about the title to the property. 
XX/XX/XXXX ... Letter from XXXX XXXX. Request for mortgage assistance. Nothing mentioned about property Title. As stated above XX/XX/XXXX, Same person tells me that my assistance is camceled because of the title. 
I only spoke to XXXX XXXX one time. Im tried to explain my situation to her but she would talk talk. I have asked for this call to be reviewed. 
XX/XX/XXXX and XX/XX/XXXX ... Survey estimate. The Bank says I objected to a survey.. Not true XX/XX/XXXX ... Letter to the Bank requesting assistance for the survey Myself and XXXX XXXX had a conference call to the Bank and discussed the requested concerning the survey. 
XX/XX/XXXX ... Email from XXXX XXXX concerning a call from XXXX XXXX at the Bank. This person had no authorazation to contact anyome or speck to anyone concerning my account. 
XX/XX/XXXX ... Assistance application to County Corp, HUD approved counceling. 
XX/XX/XXXX ... Another letter requesting Title information. 
I was approved for another trial of 3 payments but was told that if the title issue still remains that I would not be approved for a permanent Modification. Also this trial payments is only a few dollars les that an actual payment. 
XX/XX/XXXX ... Received a call from XXXX XXXX advising the the Bank would not assist with the cost of the survey. He stated that the Bank transferred iot to their Attorney and the Atorney would get the survery done. I called the Attorney on XX/XX/XXXX and was told they ask the Bank for funding and it was denied. 
The Bank is treating me very unfairy. I am constantly being told that I sold a portion of the property with notifying the Bank, how many months I am behind and there is not a sale date..HOW CAN THERE BE A SALE DATE WITH GOING THROUGH THE COURT PROCESS??

Company response to consumer: Closed with explanation