Consumer complaint received 2024-08-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: JPMORGAN CHASE & CO. (CT)

In XX/XX/XXXX I had been behind on my mortgage payments to JP Morgan Chase. I attempted to make a payment to bring myself current ; however, by that time I had been served with foreclosure papers. I then immediately contacted the bank to see if I would/could be able to qualify for mortgage assistance. They indicated they would start the process ; however, since service was made by attorney/marshal they would have to contact the attorney 's office to get the full reinstatement figure. They indicated it takes XXXX days to get said information and I would receive it via email and XXXX mail XXXX I did ). In that email & letter it stated that I needed {$9300.00} to get current and he reinstatement timeframe would end on XX/XX/XXXX ( XXXX  ). On their documentation, it stated I had a few choices to send said amount ( ( a ) wire transfer, and ( b ) certified funds, cashiers check or money order. Unfortunately, the checking account I have is not set up for wire transfers so I chose to do a certified check as it was an approved option to be sent via overnight mail to the XXXX XXXX XXXX, XXXX, OH address. The branch manager of Chase Bank ( where I have checking account ) and I spoke with a customer service employee at the call center and asked if I were to send out the cashiers check overnight for XXXX  morning delivery before the deadline of XX/XX/XXXX if that would be okay to do. He indicated yes with the caveat that if not received by XX/XX/XXXX they would send it back to me asap because it would be considered late and I would need another reinstatement figure. I requested that he start the process of the reinstatement figure paperwork and send the check. Accordingly, I went to XXXX with the address in email and on paperwork armed with my cashiers check and a copy of the document that needed to be sent with my full name, address, property address, etc. 

I would soon find out that, according to XXXX, the facility was closed due to a holiday and the package was undeliverable and it would be shipped out again for XXXX, XX/XX/XXXX delivery for first AM delivery time. I called JP Morgan Chase to follow up on them receiving package ( even though I had the XXXX  receipt stating they had received it and package was signed for at the Reinstatement Processing center on XXXX XXXX XXXX, XXXX, OH. They couldnt find check, package or anything and asked that I call back on XXXX  to give them XXXX  days of wait time ( week ending XXXX ). I did that, and no one found check or package. They then suggested I call back the following week to ask again about status ( week beginning XXXX ). Still unable to locate anything. This went on for another week and finally ( week of XXXX ) someone said they would start an internal investigation to track check and package to see if it were cashed and applied to another account. I waited XXXX more days to reconnect with them and was told to call back next week ( week of XXXX ) because it will take at least XXXX  days after initial investigation date to potentially conclude their investigation. We concluded that I should check with my banking institution to see if it were cashed. I did, it wasnt and now I have missed the second reinstatement deadline of XX/XX/XXXX. On or about XX/XX/XXXX I spoke with customer service again and requested they reach out to see if I can get another reinstatement figure with an extension of XX/XX/XXXX. 

The issue now is with every extension the original figure of {$9300.00} ( due XXXX ) has gone up to {$10000.00} ( due XXXX ) will now be, who knows ( due on XXXX ). I am now ( a ) in default of appearance with the court system because I was unaware of needing to file an appearance if I were working with the bank ; ( b ) at a higher risk of losing my home that I raised my kids in from XXXX ; ( c ) most definitely unable to relocate. At the time of submitting this document there is no foreclosure date scheduled ; however, that may change. I am in the process of trying to find an attorney to represent me pro bono, but if not I will need to hire someone, at a financial detriment to myself and family. 

Once I put a stop payment on the cashier 's check, it may take up to XXXX  days to receive my funds back. I need to know why and how this got lost when I have receipts that it was delivered and received by their Reinstatement Processing center at XXXX XXXX XXXX, XXXX, OH. I just need and want answers and some relief for their mishandling of the situation.