Consumer complaint received 2017-08-04
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I lived in my home for over 18 years when I was married in 2003. My mortgage company was XXXX XXXX XXXX. I received a letter in the mail from the CEO at the time who wrote me a letter stating that they had not been getting my payments and that my mortgage was over a year past due. He stated that since it was their error that they never detected that error ( which was not true ) that he was willing to not file foreclosure papers on me if I would be willing to pay him {$45000.00} since my house had over XXXX. dollars worth of equity in the home and my payoff was XXXX. He stated he would be willing to forgive the balance since I was going through a divorce and write the remaining balance off for me. He also stated that he would consider my mortgage paid in full and will send me the deed and title to my home once he received the check. I was very young, nave and confused because I was going through a divorce, but I did hire an attorney to help me with ( I thought ) was a blessing for me to have a debt free house so my daughter and me did not have to be homeless after the divorce with no family support. I hired a real-estate attorney who spoke to the CEO himself and they both agreed that this was a legitimate transaction for me to pursue. I was advised by my attorney to get a loan for {$56000.00} because his fee was {$10000.00} and the remaining {$1000.00} was for me and he would make everything happen for me and my daughter. I did get the loan, the CEO was cut a check by the lawyers office for XXXX, and the attorney received his money for XXXX, but I never received my deed and title in the mail within 7-to 10 days as promised. I went back to the attorney after a week, and asked him what was going on.. He stated to me that he had been trying to reach the CEO but he was not taking anymore calls. The attorney stated that It appeared that we had been scammed. XXXX XXXX had sold my account to Bank one and I had not been made aware of that until after this had happen to me. My attorney basically shut the door in my face and said he was sorry it was nothing else he could do to assist me and because I was so devastated and depressed, I ended up losing the home, moving out with my daughter, and became very sick and diagnosed with XXXX  XXXX for years because I nearly XXXX XXXX XXXX. But I thank God that I 'm back to myself again and I am ready to fight for justice. I did not even remember that this happened to me until I ran intothe attorney in the post office last year who remembered me and apologized again for the CEO taking advantage of me and that the CEO took advantage of him too. Because of the XXXX   XXXX that I suffered for all of those years, I blanked everything out of my mind because I had to stay sane for my daughter. I had to file bankruptcy and I lost everything. My name was ruined. I could not get anything in my name for years because of this tragedy. Can you please help me with this matter. The CEO and the lawyer both took advantage of an innocent person like me who was only trying to do the right thing by securing a home for me and my daughter to try and finally live in piece. I was bullied by collectors coming to my home from Bank One lawyers office. I was made to sign papers that my attorney asked me to do to try and satisfy Bank One also now that he found out that they were my current mortgage holder and not XXXX anymore ... I only did what I was advised to do by who I thought was a trusted and creditable council and I was just abused in every sense of the word. No one could ever imagine the XXXX that my daughter and me have suffered of the past years when I was being harassed and threatened. And now that this memory has resurfaced, I want to share my story in hopes that the CEO of XXXX and the lawyer who may have thought they had gotten away with over 55.000.00 will be served with papers requesting for them to repay with interest what is due to me and daughter for all of the pain suffering that we encountered at their unjust hands.

Company response to consumer: Closed with explanation