Consumer complaint received 2015-06-05
Company: JPMORGAN CHASE & CO.
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home loan through CHASE. I got laid off from work in XXXX. I received a loan modification XXXX, and laid off from my job XXXX, received unemployment from XXXX until XXXX. I was brought back to work XXXX making same amount, but working less than 20 hrs. a week. I notified CHASE re : my employment situation immediately. I was told I can receive assistant for being laid off. I was out of work and finance from XXXX until XXXX. I received a full-time job XXXX making more XXXX hrs a week with benefits. I re-applied for the Hardest Hit Funds here in XXXX in XXXX. This program gives assistance to homeowners that are struggling with their mortgage with Hardship. I was approved of assistant from them of XXXX debt free, as long as I stayed in my home for XXXX yrs, and meet their requirements. I was accepted in in XXXX XXXX with me owing less than XXXX dollars of my rearage on my mortgage payments. I 'm currently not in foreclosure, nor are their any Attorney fee 's. My only obligation was to bring the remaining {$4000.00} to total the {$16000.00} to get my mortgage current. CHASE has been sending me my mortgage statements saying I owe less than {$16000.00} for re-instatement, I talked to the escalation department with CHASE and I was told again by XXXX different reps. I only owed less than {$16000.00} dollars. Hardest Hit Fund contacted CHASE to get the re-instatement amount so they could wire them the funds of {$12000.00} to get my mortgage re-instatement. A CHASE rep told them I owed {$20.00} in payments. Hardest Hit Fund contacted me thru my counselor XXXX XXXX thru XXXX XXXX XXXX XXXX reports that I owed {$20.00} to get re-instated and I would need to bring {$8000.00} instead of the {$4000.00} to bring my mortgage current. Prior to this I faxed the CEO XXXX XXXX of CHASE explaining and pleading that they will place my rearage in back of my loan, or make affordable payments so I would n't lose my home. I offered my whole tax refund for XXXX, and XXXX. I denied for giving up all my tax refund, and placing the rearage in the back of my loan. Reason was I did n't make enough money, and I was ineligible for another modification. I explained to Hardest Hit Fund I was unable to come up with the {$8000.00}. I explained to them there was some inaccuracies with the correct amount. My statements says I owe less than {$16000.00}, and all the CHASE rep states I owe the same. I 've written down every person I 've dealt with CHASE. I called back to CHASE Corporate office in XXXX and spoke with a XXXX XXXX Executive in CHASE who order a balance of my late payments. XXXX XXXX called me two days later and reports she order a pay off, by mistake and she would need to order a lay payment reports. I explained to her the more the days goes by the more I 'll have to come up with in funds. I explained to her I 've been saving all my money compromising to save my home. I explained to her I 've been trying to give CHASE ALL my money, but they refused to take it. All or none. So I 've been saving all my money. XXXX XXXX called me XXXX days later after ordering the wrong report and tells me I still only owe less than {$16000.00}. I was relived because that gave me conformation that I can still get assistant thru Hardest Hit Fund. XXXX XXXX asked if there 's anything she can do to expedite her finding. I asked if she call, and fax over all necessary documents to my counselor XXXX XXXX and Hardest Hit Funds where I can get the assistance. XXXX days later I was told by XXXX XXXX she gave me the wrong amount of what I owed. She report I owed {$20.00} and my counselor from the XXXX XXXX XXXX will call me with the reasons : My heart dropped with agony. A XXXX later Hardest Hit Fund suspended my funds until CHASE figure out how much I owed. I was told I owed {$3500.00} in escrow, and XXXX in a corporate fee. I get a call from CHASE reps saying I still owe XXXX

Company response to consumer: Closed with explanation