Consumer complaint received 2018-11-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

I am interested in getting approved for a short sale or deed in lieu to exit my home located at XXXX XXXX XXXX XXXX XXXX GA XXXX. I have tried and failed at obtaining a payment modification in the past because I could not afford the revised payment, which was higher than the original payment. Therefore, I only want consideration for programs where I can leave the home and minimize the affects it will have on me restarting my life. I have given up the fight for my home, and now I realize that the only option is to leave. I am good with this decision for I feel it will be best for me and my family. I am absolutely worn out with dealing with JP Morgan Chase over the years. and the many instances of falsities that I discovered. 

I have a foreclosure date scheduled XX/XX/2018 in XXXX XXXX Georgia. Apparently, JP Morgan Chase Re-App department will not even review my new application that I filed on or about XX/XX/XXXX. I got this information from speaking with XXXX, Chase Re-App Representative, on XX/XX/XXXX. Back in XXXX of this year, XXXX said that my case went to managerial review and the manager said not to proceed with reviewing my modification application. My only option is to reinstate or sale at full price. As Ms. XXXX put it, my subsequent application that I submitted in XXXX was not reviewed and my XXXX application will also not be reviewed. This was the first I heard of this especially after all Chase representatives telling me to put in an application when a change in circumstances occurs. Since I had a change in income and expenses, I believe that I was warranted for a new application I would very much like to speak with someone for reconsideration preferrable with FHA/HUD. Over the years, I have fought long and hard to try to keep my home and lower the payments I am sure you can understand this. But despite my best efforts, an affordable mortgage was not attainable. I was not ready to concede, but now I am. I kindly ask for one last  approval for a short sale or deed in lieu. I have hired a realtor since XXXX or XXXX to proceed on the short sale, but he said he is not getting a response from Chase. I have had a sign in my yard for a very long time, and I know there has been a lot of active interest. If a short sale is not appeasible, I am more than willing to do a deed in lieu. 

I realize that I haven't made a payment in years. Some of that is due to the false lawyers that I hired who was to help me and the misdirection they were taking me and also the constant lying and stale tactics by Chase. In the beginning, I was approved for a trial modification of {$500.00}, which I paid. I was supposed to be locked in at that rate, but for one reason or another, Chase kept telling me to reapply and reapply. I don't want to make this a gripe letter about Chase and what I endured. I want someone to help me ease my mind and turn this property over tto FHA/HUD in a mutually beneficial matter. I have faced XXXX  XXXX of my daughter, XXXX XXXX and divorce, job loss, and the brain bleed of my mother. I would like one less burden to deal with. 

I would very much like someone to reach out to FHA/HUD directly to obtain approval to proceed. I also would like my foreclosure stopped while this matter is under review. I do not want to resort to filing bankrupcty just to stop the foreclosure when my desire is to leave the property.