Consumer complaint received 2018-11-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

My name is XXXX XXXX, my property address is XXXX XXXX XXXX XXXX XXXX, NJ I am XXXX years of age, I have lived at this property since XXXX I have been paying 8 % interest rate since my late husband and I purchased the property. My husband became ill and for over three years I dedicated myself to his medical care and needs. Over the course of his illness I tried multiple times to make arrangements with our mortgage holder in regard to payments to no avail. I made several payments as I could however, they stopped declining my payments as they wanted all the past due amount which I was unable to pay. As the years went by I kept up with my efforts to make arrangements and apply for the Hamp Modification and was denied each time. I did receive many offers from companies willing to help for a price, I did use some of those companies and trusted, to find they only took my money and no assistance ever came. I have tried many ways to ask for assistance from Chase Bank, my mortgage holder to no results. 
I recently encountered a company whom has helped me without having to pay for the Modification, they have been extremely helpful and wrote a letter to Chase Bank on my behalf to no results as well. They also submitted my complete package for the modification assistance and they too were denied from Chase. The bank refuses to admit their refusal to assist me through out these six years is what has me now in this horrible situation where I am about to lose my home. AT times when I submitted my own application for assistance the bank representatives themselves told me not to make the payments as they would jeopardize my chances of obtaining assistance. However, they never told me why the denial on all the times I applied for assistance. 
U currently have {$330000.00} in equity I have to believe this is what motivates the bank to foreclose on me. 
Please see the attachments, where they have placed my property on auction scheduled for XX/XX/XXXX at the starting bid of {$100.00} they entered this on XX/XX/XXXX and scheduled the auction three days after! After paying 8 % INTEREST RATE ON MY LOAN SINCE XXXX I believe I may have paid this property over and over! 
I will have no other choice but to file for a chapterXXXX Bankruptcy to save the property, however I am not comfortable with this choice, but I see there is no other way to preserve my property. I filed Chapter XXXX in XX/XX/XXXX I was making payment through that avenue until the bank refused the payments and the attorney told me not to continue making those payments. I have lived in this property for 53 years I do not see myself in any other place than living the rest of my days here where my husband passed. 
The property is in great need of repairs which I can not afford, however it holds many memories of my life and family which I can not give up. It seems the bank has no need for my property other than selling it to make more money. They have no pity on humanity! All I asked for was for assistance, so I could continue paying it, assistance that has never given to me in the 53 years I have lived in this property. 

I am attaching the notice to foreclose which was entered on XX/XX/XXXX and the actual Auction Date was scheduled for three days after! I am also attaching letter to Chase Bank sent on XX/XX/XXXX on my behalf, Chase refused to grant me assistance again. I have also reached out to my Congressman and My senator in hopes of obtaining help! 

I have no other recourse for assistance other than what you can do for me. I live on a fixed income and have now acquired tenants to rent rooms from me so that I can survive. Please contact me and let me know what you can do for me. 

Respectfully, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, New Jersey XXXX XXXX