Consumer complaint received 2020-10-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

Application for Mortgage Assistance was first completed on XX/XX/XXXX. I was informed that the application was not received. The application was resent 2x in XXXX and I was informed all of the information had been received and a determination would be made by XX/XX/XXXX. 

I was informed of several options including Deed in Lieu of Foreclosure. I indicated I wanted that option, I was told that as of  XX/XX/XXXX I would be notified of date to schedule an appointment for appraisal. That call never came. On XX/XX/XXXX, I was told that I would hear back by XX/XX/XXXX. Nothing was scheduled. 

I then received a phone call indicating the Loan was being transferred to another Servicer and the process with the current Servicer would be restarted after the new servicer was assigned. At that time XXXX XXXX the Relationship Manager lied indicating that JP Mortgage Chase was still the investor. However the loan had been sold to XXXX XXXX. In addition, the loan was approved for an address that did not exist. In addition, I received threats from the Branch Manager XXXX XXXX that my planned complaint to XXXX " was invalid and he had done research and I did not have a leg to stand on ''. Despite the fact that they were informed the address the loan approval had been attached to did not exist. They refused to make any attempts to address the issue and continue to make many attempts to mislead and lie about the loan.

In addition, Property tax payments were made without permission despite knowledge that I had a possible Homestead Exemption for  each tax year ( XXXX, XXXX, XXXX ). In addition, I informed the Homewowner 's policy insurer I was terminating the original policy prior to renewal and obtained and paid out of pocket for a new policy. Yet the first Homeowner 's Insurer chose to continue to bill and accept payment for the policy for 3 years following confirmation of the notice to terminate the policy.

Between Homewowners ' Insurance coverage and Property tax payments, over {$7000.00} was paid without permission. In addition, the bank Relationship Manager XXXX XXXX illegally required me to sign a W-9 IRS form under the guise it was needed to verify identity. According to consumer protection officials there is no reason for a bank to require such a document to verify identification after the loan had been approved and payments made. Despite ongoing efforts to gain the Deed in Lieu of Foreclosure, this process has never been completed.

Without permission of me as the borrower, the Deed in Lieu of Foreclosure process was terminated and a Mortgage Assistance Application was completed. This Assistance was approved and terms sent despite no such request nor approval of the change by me. Per the Mortgage Servicer JP Morgan Chase, I made the request by phone yet there was not call made by me.
I declined the Mortgage Assistance agreement and informed the Servicer, as I never made such a request. Not only has the Mortgage Servicer refused to proceed with any refund for property tax payments nor Homeowners ' Insurance policy payments have been made. In addition, the Mortgage Investor was never notified that the address for the loan approval never actually existed. The Investor also  recommended reports and complaints to HUD for health code violations by the Homeowner 's Association, Fraud and Disability Civil Rights violations.

I was notified by the US Department of Justice that a referral was made by to the Regional Office of US Housing and Urban Development. Despite the fact that this investigation was not completed, the HOA proceeded with Foreclosure proceedings. The
complaint against the Homeowners ' Association was based on Fraud, Harassment, Intimidation and Disability Rights violations under the Fair Housing Act. I was also subjected to false allegations and fines for violations of HOA Bylaws despite no evidence of those violations. I was stalked and harassed by neighbors and previous Board of Directors of the HOA Members, Management staff and others.
The most severe incident of harassment included false allegations of harassment which resulted in an " illegal '' arrest by the police for harassment of HOA Management staff members.