Consumer complaint received 2023-02-16
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was part of the XXXX and I filed my paperwork and fell under all five of the criteria for the class action lawsuit and I was sent something saying that I was going to receive a check for {$130000.00} and I never received it! The way my case went is my first mortgage company was Chase home mortgage and I was doing good financially my credit was excellent! That's when I switched jobs and I was able at the time to take a loan out with my bank for {$10000.00} no problem when I contacted my bank and asked them about taking a loan out because me switching jobs kind of set me back a little financially.He said well XXXX you know I have no problem loaning you Money but I can't because you were delinquent on a mortgage payment and I said no I wasn't he said well if you can get it figured out I will loan you the money but they can't just take something off your credit report!! So I called Chase home mortgage and I was talking to a lady and she said that I was late on the payment. So I said no I wasn't we actually sent in two payments for that month and if you look at the file you will see that so she did and she was saying how sorry she was and that it would be taken off my credit report. They sent a letter saying that they were going to and still didn't! So I called them and they said they sold my mortgage to another company XXXXXXXX XXXX so I was telling them what Chase had done and they didn't care so I was asking them if they could help me out with my mortgage and they ended up putting my back payment on the front of my loan bringing my mortgage from {$580.00} to {$1200.00} and the next month they made my payment even more and sold it to XXXX XXXX so now I can't make my payment so I filed for bankruptcy to try and save my house with XXXX XXXX XXXX and paid them gave them all my information and they said we would be fine that they were going to stop the sheriff sale and that we would be ok! Well the sheriff sale came and I was wondering what happened so I called XXXX and the woman XXXX XXXX said we're sorry but we lost your paperwork XXXX XXXX and I said what does that mean she said we lost it in our recent office move so it never got filed!!? I was like what? I told her I wanted my money back! She said im sorry but you don't get your money back and hung up! So I called back and said well I guess you are going to have to talk to my consumer law attorney and I hung up the phone on her! Well she called right back and said she was so sorry to come get my check well now they had a lot of my paperwork too and I didn't get that back! So I get a letter in the mail saying I have court in a week XXXX XXXX is foreclosing on me and I need to vacate the property and this is the first letter I received from them about foreclosure! So we go to court and XXXX XXXX 's lawyer wants us out right now and they never had a sheriff sale and it was never posted in the local papers!? So I said legally don't we have 6 months to vacate the property? He said nope if we go back in the courtroom and you try to ask for more than a month I will tell them that you need to go now and I can have you out of there in a week or we go in there and I will give you a month and that's it! So I didn't know what to do I had to at least have a month!! But that wasn't even close to the time I needed to get my stuff out of there! So I lost a lot of my belongings and that lawyer wasn't even with XXXX XXXXXXXX this guy was from a law office in town I found out later! So I went to the library and filed a complaint with the FCC and it must have hit a nerve with you guys because you sent me a couple of checks small ones saying it was to help out for the time being and I received more paperwork asking me the details of my case and you guys said that I fell under all five of the criteria of the law suit and I was going to get a check for a {$130000.00} or something close to that and I never received anything? It says if you were under certain mortgage companies that your money would be here and if it was with these companies that the OCC would be taking care of it and if you don't get it that it would go to the Minnesota department of unclaimed assets but I don't have a claim # or a file #? Could you please help me out with this? At least get me some help of some kind I've been on and off homeless since this has happened!! : ( My name is XXXX XXXX XXXX and my wife was on the mortgage with me her name is XXXX XXXX are address was XXXX XXXX XXXX XXXX XXXX MN XXXX thank you so much for whatever you can help me with! : )

Company response to consumer: Closed with explanation