Consumer complaint received 2021-02-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

this is a combination of various problems ; had applied for modification to lower interest rate, Filed Bankruptcy Chapter XXXX and discharged XXXX, also filed BK-XXXX  and Court paid & released XXXX foreclosure process was not processed or closed correctly. I was never notify of sale until after the fact which was XXXX my home was declared uninhabitable federal disaster on XXXX, I had flood insurance which funds were issued to JP Morgan Chase and myself for total of {$42000.00} which Chase informed me that was put into a restricted escrow account on XXXX until I could get final from XXXX adjustment for lifting house. I did follow instructions removed flooring, wall, fixtures etc. I did not start improvements as waiting for final adjustment as home. I was rescued on XXXX with only my medication a pair of underwear and my pets. I was placed in hospital ER as XXXX XXXX as well as XXXX  and XXXX  XXXX. Still waiting for response from Chase regarding modification. My home was never abandon. I can provide emails from Chase, myself, Bkruptcy attorneys and now my attorney XXXX XXXX  between XXXX flood insurance attorney to increase flood insurance to raise home. on XXXX XXXX attorneys, my attorney called Chase so can go into home and do a follow-up to increase funds. Still at this time Chase never informed of sale or foreclosure. sent to foreclose property address. etc. Chase was always informed of my current address and my phone never changed, neither did my employment. On XXXX sent in my new application per Chase instructions looking for now modification, deed of lieu. Received on XXXX call from XXXX saying I did not qualify, home has foreclosed. My first question was how were funds disbursed? Second questions where are my personal items in back storage?? most from XXXX XXXX XXXX, XXXX  American pottery etc.?? She advised that you will be getting a 1099a showing the disbursement. I did received but it was for {$72000.00}??? what happened to the {$42000.00}, why was I never notify of sale and where was my personal belongings in back shed with Native American pottery, beads clothing, electric items etc.??? I called Chase Foreclosure on XXXX # XXXX, XXXX XXXX  spoke to XXXX ; she stated that I will be getting a Misc or 1099B for year XXXX. The escrow funds of {$42000.00} were applied on XX/XX/XXXX to my loan supposedly with Chase. House foreclosure XX/XX/XXXX, settlement statement received XXXX for buyer XX/XX/XXXX my loan closed permanently XX/XX/XXXX. I received from Chase the same1099a for {$72000.00}, will not change. My questions are where are the escrow funds? and if applied to balance why isn't stated on the 1099a or b??? Why did not Chase call to tell me to get my personal property??? and Now I have a agreement of increase funds for insurance. Check made out to JP Morgan Chase and me and my attorney. JP Morgan attorney XXXX XXXX of Foreclosure dept. informed my attorney at Pandit law that Chase did not want funds as no longer has home, he needs to get a letter of satisfaction signed so can have funds release to me and my attorney this was on XXXX. Now on XXXX Mr. XXXX ( JP Morgan Chase ) is saying USDA  wants their money??? I and XXXX have never paid USDA  where is this coming from. On XX/XX/XXXX received from Pandit law ( my attorney ) rec 'd an email from XXXX XXXX on XX/XX/XXXX and he said, " back in XXXX he heard from the USDA  saying that they usually dont let the borrower walk away with money in these situations but recognizing that this is money that only came because of the actions of the borrower and agreeing to take a closer look at it. '' I know this is long, but there are so many irregular items in this whole process. Questions can USDA  get these funds?? never have been paid by me or XXXX insurance any funds for this house. Where is my Escrow funds for my house?? never received settlement statement etc. as 1099 a shows full loan amount and not decreased by the {$42000.00}??? I need to know as this whole process has been going on for years and now the home is not even JP Morgan Chase or mine. Also I need closure as in XXXX started repaying the first time homebuyer {$6900.00} credit claimed from XXXX I have repaid {$460.00} every year since XXXX. Do I still need to claim even though home was declared uninhabitable in XXXX? I did in fact pay including up to XXXX. Thank you for your time and assistance. I hope you can get some answers as I have not been able to for the past years plus. JP Morgan Chase response regarding restricted escrow it does not have bearing on balance of foreclosure, when in their response to me in writing the funds would go towards my balance outstanding which 1099a does not reflect.