Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CO)

I have been trying to get a loan modification for more than 6 years. I have worked with nearly XXXX different representatives who work for, are associated, or affiliated, with CHASE. This is merely a smoke screen, bait and switch, pass the buck, shell game. 
This most recent episode, I was told I had to make XXXX trial payments without ever seeing any contract, or agreement. I began making the trial payments in XXXX XXXX. I made XXXX more trial payments in XXXX and XXXX. I 've made XXXX more trial payments since XXXX. Back in XXXX XXXX, a liaison associated with CHASE who I was working with finally received a loan modification agreement that she was supposed to forward along to me. I received the agreement several days later. I was given 7 days to review, agree to, and sign a XXXX page loan modification agreement that contained vague terms, unverifiable amounts, capricious number of years added on to my loan term and terribly perplexing and possibly fraudulent details that CHASE refuses to explain. I sent all my questions immediately and none have been answered or received a response. 
The reason CHASE and the other banks get away with what they do is because they target low income people who ca n't afford to hire an attorney. Any suggestion to do so, whether from the White House, the Colorado Attorneys General Office, or CFPB is disingenuous, and ridiculous. If I could afford an attorney to stop what is going on, I would n't be wasting my time contacting the White House, the CO Attorney General, or the defunct CFPB. 
In XXXX, I was referred to my local Housing Authority for assistance and became involved in the EHLP. Part of my complaint has to do with the confusion concerning how, what, and how much was paid to whom and by whom for what with the EHLP. I learned that this program is somehow affiliated with the State of Colorado. Then, according to XXXX XXXX 's HUD liaison, who acknowledged my assessment concerning the documentation I received from EHLP regarding my loan, XXXX agreed EHLP and the XXXX have some atrocious record-keeping practices, which by the way, so does CHASE. So, now I 'm in to EHLP, whatever that is, for {$26000.00} and no one can tell me how, what, and how much was paid to whom and by whom for what. Yet, I 'm sure if the opportunity arises, I will be located and tapped for every single red cent. 
Uninformed borrowers with subprime loans were blamed for the collapse of the economy in XXXX. For fear of sending the economy into another spiraling downfall, I ca n't, in good conscious, sign any loan modification that I do n't understand. Without CHASE explaining to me the questions and concerns I have regarding the agreement and my account, I do n't want to be an ignorant borrower and responsible for another financial institution meltdown ( all facetiously stated, of course ). I have a right to know what CHASE is expecting of me, and what they are basing their expectations and demands on concerning my account and program details, in no uncertain terms. I also have a right to know what I can expect of CHASE when it comes to handling my account. The CHASE liaison wants to discuss finalizing the loan modification. I told her I want to meet with someone of authority from CHASE who can go over their figures and documents and compare them to all my figures and documents ( not really all, because I have boxes and boxes of CHASE and Washington Mutual documents, and correspondence, and applications and ... ). Right now I simply want to confirm facts and figures from the past 4 years to determine what of those figures and documents are legitimate. I 'm fatigued of dealing with all of this. I do n't mean to take anything out on whoever is reading this. This just needs to get straightened out after 7 years of this back and forth with CHASE and 3 years prior to that with WaMu. It 's simply ridiculous.