Consumer complaint received 2017-01-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
I was woken up by a call from Chase this morning at XXXX am XXXX. 

On XX/XX/XXXX, XX/XX/XXXX I have submitted XXXX separate loan assistance applications to JP Morgan Chase. My condo is located in XXXX, Illinois. 

I received an additional request for documents on XX/XX/XXXX from the Loan Assistance dept XXXX XXXX XXXX, my SPOC. I complied with this request. Since then they have been requesting for additional documentation to delay and deny assistance, every time a slightly different request only over the phone but without putting it in writing. 

I have sent the bank XX/XX/XXXX, XX/XX/XXXX Tax transcripts with full Schedules that indicate negative capital gains, negative negative rental income and negative business income on a business that has been disssolved as of XX/XX/XXXX. I have sent them my condo rental agreement. I have sent them my bank statements. I sent them my food stamp award letter. 

I have had no written request for any other documentation from XXXX since XX/XX/XXXX. On XX/XX/XXXX I sent XXXX a written request for forbearance, which she has ignored. I had informed XXXX in writing of my likelihood of default but she did not care. 

Via a letter dated XX/XX/XXXX from the Executive branch they requested the following documents : 1. Two months transaction history ( EBT ) for proof of receipt of food stamps. 
2. One month bank statement for all stocks and bonds. 
3. Tax return from the previous year, including all schedules or other proof of business failure. 

I believe I have submitted evidence of hardship. I have no net-income producing assets at this time. This is self-evident from my Tax transcripts. The request for 2 months of XXXX transactions is humiliating as well as offensive and discriminatory and a violation of my personal privacy. 

XXXX before XXXX California PST, I was disturbed by Chase calling about my loan. I spoke to XXXX XXXX who works in the loan assistance dept with XXXX. 

I asked to speak to the Supervisor and they escalated my call to XXXX XXXX. XXXX then transferred me to XXXX XXXX in the Collections Dept. 

XXXX told me that since I have not paid my mortgage payment for XX/XX/XXXX, I will keep getting harassed for payments. His conduct was very threatening and obnoxious. I told him XXXX had ignored my request of XXXX XXXX, XXXX for loan forbearance and he should follow up with her. He created Case # XXXX. 

I got a call back from XXXX this morning XX/XX/XXXX. XXXX once again is demanding documents but a completely different request from the one communicated by the Executive office on XX/XX/XXXX and she has a whole bunch of reasons for this request and a new request every time I speak to her. 

However, XXXX makes new demands for documents over the phone but she says that it is not the practice of the bank to put such requests in writing. If XXXX has a legitimate request for documents she needs to put that in writing. 






I sent a letter to Chase to my SPOC on XX/XX/XXXX requesting a forbearance. They have n't responded back to me.

Company response to consumer: Closed with explanation