Consumer complaint received 2017-09-10
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
-Mother owned home, went bankrupt approx. XX/XX/XXXX, did not include home/property in bankruptcy. Was told by Bankruptcy Lawyer to stop making payments on home equity loan with JPMorgan Chase Bank until bankruptcy proceedings commenced. Last mortgage payment on home equity loan : XX/XX/XXXX. 
-Mother XXXX XX/XX/XXXX. I am Executor. Had to go through Executor process before pension was released, which was XX/XX/XXXX. Calls were made EVERY MONTH informing Chase Bank of situation. 
-I called Chase XX/XX/XXXX to make back mortgage payments. They would NOT accept my payment, would not discuss anything with me, and referred me to their lawyer, told me not to worry and gave no further info. I called Chase 's lawyer, left weekly voice mails requesting communication. Finally, on XX/XX/XXXX XXXX XXXX 's office informed me they would NOT speak with me, all communication must go through my lawyer but promised they would document my call. 
-I called Chase Bank themselves and requested Reinstatement Letter. This was agrred to and received XX/XX/XXXX ( attached ). I called both Chase Bank and their lawyer as to how to make this payment. No communication was received. I then asked my lawyer to communicate. No communication received from Chase. 
-Process Server shows up at my home as well as my siblings homes on XX/XX/XXXX with foreclosure papers! I still had no communication from Chase as to Reinstatement! My lawyer responds within 30 days complaining of no communication and the facts thus far. Still, no communication from Chase. 
-It is now XX/XX/XXXX and I have STILL to receive ANY communication, assistance or advice from JP Morgan Chase . It is my belief that they must write off this home equity loan in my deceased mother 's name, and rescind foreclosure papers! 8 people ( including 2 toddlers ) live in our home, we have owned it 50 years. My mother wanted her children to keep the family home for generations! I am frightened. I have NO INTENTION OF SELLING MY MOTHERS HOME! This can not be the only option! I was told by Chase and their lawyers office ( when I called crying ) that " we do n't want your property, do n't freak out, we 'll get it all figured out ''. How is anything going to be figured out when NO ONE WILL TALK TO ME?? 
-JP Morgan Chase has apparently paid property taxes and insurance on our home without our knowledge or consent. On XX/XX/XXXX I instructed my lawyer to write a letter to Chase lawyers offering to pay any monies they paid out in this regard, and to be allowed to satisfy the Reinstatement offered to me back in XX/XX/XXXX. It is now XX/XX/XXXX, and I have heard nothing. 
-They now want me to pay almost $ 100K on a XXXX balance! Interest is compiling. These practices are UNFAIR, DECEIVING, and they have NO RIGHT to transfer my mother 's home equity loan onto her children. They must rescind Foreclosure immediately! I live in fear that someone will pop up any day and demand we leave our family home. 
-I am attaching the only correspondence I have received from JP Morgan , which is the reinstatement letter ( which I was never given an opportunity to pay, and the foreclosure notice received on XX/XX/XXXX. I also attached the letter I sent to my lawyer in XXXX, NY asking him to contact Chase 's lawyers about satisfying the reinstatement letter. I have never received a response.

Company response to consumer: Closed with explanation