Consumer complaint received 2016-09-06
Company: JPMORGAN CHASE & CO.
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Quick summary. 
I was n't aware your office existed at the time. If case qualifies, I can send supporting documentation. 
Here 's a brief timeline. 
I had a mortgage serviced by Chase mortgage, starting XX/XX/XXXX with an ARM. 
XX/XX/XXXX - refinanced to get rid of the ARM when I saw what was happening to others. 
Every month, i paid XXXX x my payment requirement, never a late payment, and by XX/XX/XXXX my 30yr mortgage was down to 21yrs remaining XX/XX/XXXX - I took a sabbatical leave from work out of state and roommate 's rent covered the mortgage. I was collecting $ XXXX/month rent and was paying {$850.00} towards mortgage. 
It is my belief that during this time Chase figured out that I was not employed and maliciously attempted to foreclose. 
My income was {$40000.00} in investments I had built up to plan for the sabbatical. 
Point is that " Foreclosure '' should have never entered the picture based solely on my availability of funds through this ordeal. 
Mortgage payments were always auto-drafted from a separate account opened specifically for house. Rent payments deposited on the XXXX, Mortgage scheduled for the XXXX. I received a text confirmation every month on the XXXX that payment had gone through. 
XXXX XXXX, XXXX - received text confirmation that mortgage payment was accepted. 
XXXX XXXX, XXXX - i posted a credit card payment to the account to cover fence repairs which left balance around {$800.00} XXXX XXXX, XXXX - received text saying XXXX mortgage was rejected for lack of funds. Late payment penalty marked on my record, charged late fee. 
XXXX XXXX, XXXX - {$1100.00} rent deposited into account and i transferred additional funds to cover auto-draft for XX/XX/XXXX and XX/XX/XXXX payments and late fee. 
XXXX XXXX, XXXX - {$1100.00} rent deposited, account balance unusually high. Realized automatic draft did n't happen in XX/XX/XXXX. Called Chase. They blocked my account from having online payment capability. Must pay by check by mail or at chase mortgage branch. Drove over an hour to address given. Branch closed a month prior. I mail a check ( over {$2400.00} ) to cover XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & late fees. Told my account is pre-foreclosure for 2 missed payments. 

XXXX XXXX, XXXX - automatic draft for {$850.00} goes through ( recall they had discontinued this service for XX/XX/XXXX ) covers XX/XX/XXXX payment. bank account drops to {$1600.00}. Check for {$2400.00} for XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/Fees bounces and is returned. Told to mail certified check to cover previous months disc. I do it. Technically still behind by 2 payments because additional late fees added and they only accepted payments that were for the entire balance, certified check returned. 
Told only option to stop foreclosure is to apply for loan modification. Complete forms ASAP. Told trial months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and can return to normal or keep modification in XX/XX/XXXX Never receive information about modification payments until after 1st payment was due. 
XXXX XXXX - mail check for XXXX XXXX modification amount to chase mortgage address. they return it because I was supposed to mail to loan modification address. Mail to that address. 

I am told that Foreclosure process has started as technical formality, {$5000.00} in legal fees appear on statement, but told I do n't pay that if account gets caught up. Restart modification trial XXXX XXXX to freeze foreclosure process. 
XX/XX/XXXX & XX/XX/XXXX modified payments mailed on time. 
XXXX XXXX - Chase sends Sheriff seizure notification to property, tenants freak, move out. 
I cancel modification because payment method too complicated. told I owe the difference plus full XX/XX/XXXX amount or lose house. Make a large lump sum payment, account caught up. 
XXXX XXXX - told mortgage sold to another servicer but not given new info. Balance now over XXXX b/c XX/XX/XXXX & XX/XX/XXXX not sent, & {$5000.00} ( Legal fees ). New people say pay full amount, but chase may delete legal fees, or lose house. 
XXXX XXXX, I sell house to end nightmare, Chase takes legal fees @ closing

Company response to consumer: Closed with explanation