Consumer complaint received 2015-10-16
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I called Making homes affordable last night again I talk a housing councilor XXXX they said I do qualify for the HAMP PROGRAMI have a sale date XXXX. I summited another packet the last of XXXX looking for help on saving my home Chase has told XXXX that they never got it so I resent XXXX out again yesterday when I got home I have a notice that the sale date was still on for XXXX/XXXX/XXXXPlease I just was told on the XXXX/XXXX/XXXX that I had a sale date on XXXX/XXXX/XXXX it is a USDA guarantees loan they want to look in to itI have tried to reach out to everyone for help with my mortgage JP Morgan Chase for the last 4 1/2 years now im about loose my home because of chase playing game with me. I would like to find someone who will stand up for the home owners like myself instead of for the banks. This is my story. 

Hi my name is XXXX XXXX I have been trying to get a loan modification for the last 4 1/2 years. I have produced every document that Chase has asked of me. After filing bankruptcy in XXXX I called Chase about a reaffirming my debt with them. I was told by Chase 's bankruptcy department that I had a ligament hardship with my wife 's car accident that qualify for a price reduction and a modification. My XXXX daughters had moved back in with us to help me save my home. In XXXX XXXX I submitted all my documents. In XXXX XXXX I fell behind on my payment. I called Chase and told they that as soon as I got my income tax I would make XXXX payments. XXXX XXXX I had a payment and as soon as I got income tax check I would get caught back up on my payment. As soon as I did that I got a denial for being current on my mortgage. I called Chase to see what was going on this lady named XXXX told me that the XXXX programs were just for home owners behind on their mortgage. I just wish some would believe me and what I have done to save my home. I wish someone would step up and help me save my home. When I started this channel XXXX news reported that if anyone needed help with their modification packet to turn to their real state agent for help. I did she helped me. She looked over and made sure that everything was in order before I faxed it in. I clean for a bank at night and I am friends with the branch manager there. I told her what was going on and she told me to bring all my paper work with me and she would go over everything with me. This was back in XXXX. When she got done looking over my paper work she ok XXXX you everything you need to get this taken care of your packet done you have your pay stubs your bank statements showing your checks being deposited your XXXX XXXX form you have everything to get this done. After faxing in everything I did n't hear back from Chase so at this time I turned to XXXX for help they are from Maryland hope hot lineThis all started in XXXX of XXXX when I called to reaffirm my debt and was transfer me to the bankruptcy department a gentleman that asked me what caused me to have to file bankruptcy. On XXXX XXXX XXXX my wife, XXXX XXXX was involved in a car accident. She was rear ended by XXXX vehicles. Before her accident, she was working on average XXXX to XXXX nights a week at XXXX, in XXXX Maryland. After her accident, she was working XXXX to XXXX days a week. She tried to work but was forced to quit her job due to XXXX. Because of the accident, we have lost her income. This is why we had to file Bankruptcy. It is sad to see all of this has happen all over an accident that was not her fault. Her doctor thinks she has XXXX and wants her to have a XXXX done but without her being able to work and no Health Insurance we can not afford to get it done. I have thought about selling the house but I owe more than I could get for it. Because of the economy home values have dropped so badly in this area. Homes on the same street that we live on h

Company response to consumer: Closed with explanation