Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO. (FL)

I am filing this complaint to express my deep frustration and to formally dispute the response provided by Chase Bank regarding my previous complaint # XXXX. The response, dated XX/XX/XXXX, is brief, inadequate, and fails to address the core issues that directly caused me to lose access to the XXXX XXXX XXXX XXXX XXXX XXXX  funds. 

Key Points of Dispute : Misleading and Inconsistent Communication : On XX/XX/XXXX, XXXX from Chase informed me that the funds were being accepted and asked for XXXX week to provide further details. 
On XX/XX/XXXX, XXXX from Chase stated that my case was still under review for the acceptance of XXXX funds. 
On XX/XX/XXXX, XXXX from Chase confirmed that nothing else was pending to accept the funds. 
These communications misled me into believing my application and funds were being processed, despite the closure of the Florida XXXX program in XX/XX/XXXX. 

Cancellation of Sale Dates and False Assurances : Since XX/XX/XXXX, I have been waiting for Chase to accept the XXXX funds. I also sent a error of resolution of the Corporate Advance fees that they have incorrect to be corrected since XXXX and as of XX/XX/XXXX they have not been corrected. The balance owed is not correct the promissory note when filing this foreclosure has been reported as they have the original note when they do not because I have a lost affidavit. They reply to the complaints filed and as of today Chase has repeatedly rescheduled and canceled sale dates reassuring me and the judge that they were working with me to reinstate my mortgage through the XXXX program. These actions led me to rely on their assurances and believe the process was progressing as promised. 
Loss of XXXX XXXX Due to Chase 's Actions : Chases mismanagement and false assurances caused me to lose access to the XXXX program. Despite their promises and repeated reassurances, Chase 's actions directly resulted in the loss of funds crucial to reinstating my mortgage. 
Foreclosure Sale Date : The foreclosure sale date of XX/XX/XXXX, is a direct consequence of Chase 's delays and mismanagement. Despite my continuous efforts and communications, the actions of Chase representatives have led to this detrimental outcome, causing significant financial and emotional distress. 
Additional Points of Concern : Chase 's Short and Inadequate Response : Chase 's response to my complaint was short and did not properly address the critical issues. Their mention of the HAF program being closed and lacking funds does not acknowledge that it was Chases bad faith actions, misleading communication, and unfair handling that caused me to lose access to these funds. 
Unacceptable Handling and Lack of Good Faith : Despite their supervisors and representatives repeatedly stating they were working with me, XXXX reps and even cancelling sale dates, their recent response is unacceptable. Chase 's actions have been misleading and have caused significant harm to me. They have assured both me and the judge in several hearings that they were working with me to accept the XXXX program. It is unfair and abusive that Chase has treated a consumer, an elderly person trying to save her home, in this manner.