Consumer complaint received 2016-04-11
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed Chapter XXXX bankruptcy which was discharged in XXXX XXXX with specific treatment of claim issued by the courts as it relates to the mortgage note with Chase. 
Having been notified of by Chase the case file being assigned XXXX XXXX on XXXX/XXXX/XXXX for an accelerated foreclosure proceeding on the mortgage note, a letter was issued by me to Chase and served via certified mail which followed up on my email dated XXXX/XXXX/XXXX to both Chase and XXXX XXXX, the law firm representing Chase in the matter. Both parties were advised of this being a wrongful foreclose proceeding which damages myself as the property owner. There were numerous issues with Chase 's prior attempts to foreclose on the note, all of which have been brought to Chase 's attention as well. This is the fourth attempt by Chase to damage me with this wrongful foreclosure procedure, them having retained XXXX law firms inclusive of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX prior to retaining XXXX XXXX, all of whom noted issues with the request to foreclose by the bank and sought a path to just resolution before being removed from handling the file by Chase. Though I have continued to tender payments to Chase throughout and based on the treatment of claim in the bankruptcy case, this while working with attorneys for Chase in resolving the matter, Chase recently pulled the case file from XXXX XXXX midstream them working to resolve the matter by correct boarding of the treatment of claim under the chapter XXXX case and processing a loan assumption and simultaneous modification from current note bearer to myself, me being the only party to the deed via divorce and the ensuing marital settlement agreement. I have fully cooperated with XXXX XXXX, attorneys for Chase, in their effort to process the loan assumption and modification, returning the note 30 year term per the treatment of claim, submitting all documentation requested by Chase, yet the bank is seeking to foreclose on the loan, ignoring the protections afforded me under the law. The discrepancies with Chase arises partly from payments made through a Chapter XXXX payment plan that have not been credited to the account by Chase, in accordance with the bankruptcy payment plan and judge 's court order. Please refer to chapter XXXX case, CLASS XXXX CLAIM # XXXX. In addition, in XXXX XXXX and immediately following the discharge of the Chapter XXXX case, Chase altered the term of the note for 30 years to 15 years, contrary to the treatment of claim and the overall intent of the Chapter XXXX reorganization, essentially doubling the payment on the note. The treatment of claim calls for continuation of the note for the remaining 22 years of a 30 year term. There were XXXX other banks holding mortgage notes related to the chapter XXXX reorganization, all of whom have boarded their respective treatment of claim, consistent with the case requirements and resolved the matter. Chase remains the only entity not having addressed the treatment of claim and continuing to pursue a path that would damage me. Having spoken Chase Bank Escalations team member XXXX XXXX, XXXX XXXX in Chase 's Executive Office and all entities referenced herein were notified of the issues and that any foreclosure activity jeopardizes my interest in the property and damages me. Chase has yet to address the concern, instead issuing a letter of accelerated foreclosure. I ask that you office intervene on my behalf requiring Chase to legitimately address the concerns.

Company response to consumer: Closed with explanation