Consumer complaint received 2015-09-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NY)

In 2007 I refinanced my house from a {$190000.00} mortgage to a {$250000.00} mortgage. I went through a third party mortgage agent XXXX XXXX of XXXX XXXX in XXXX, NY. At that time I was earning XXXX per week and had grown children who were living at home and were going to help with the payments. We used their income as well. It still was n't a ton of money but the payment would have been doable at the original agreed amount of {$1500.00} per month. The day after my approval I got a call from XXXX. He informed me that the payment has gone up and the new amount would be {$1700.00} but it included my taxes. The mortgage was through XXXX. We were fine with that. When it was time to sign the mortgage paper we met at XXXX in XXXX. XXXX told me there that my mortgage was now through Chase. The woman flipped through the pages for me to initial the bottom of each. I signed all the way through believing my payment was {$1700.00}. When I got to the last paper the total amount was shown to me. My monthly payment was {$2500.00} per month. There was no way my family could afford it. I looked at my mortgage broker and refused the check. He told me to keep it and he said he would fix it the next day. He did not fix it. I was never issued a rescinder paper that I did n't even know about. A few days later he put me on a three way call with who he claimed was a " Chase representative ''. They told me there is nothing they could do for me. XXXX XXXX actually passed the comment " What did you do to Chase? They do n't like you. '' I spent hours of having myself, my daughter and a friend on the phone with them trying to get help. They would not help. I paid the {$2500.00} per month as long as I could using the {$60000.00} I originally refused. In order to get help I had to stop paying my mortgage. It took 2 years to get a modification on top of fighting, having stress, crying, borrowing from my parents and ruining my credit. II was verbally abused by Chase employees who told me to just get a job. They yelled at my neighbor who answered my phone because they thought she was me and it was n't. At the time my friend worked for XXXX XXXX XXXX. I had her get on the phone, she was appalled by their behavior. I finally modified with the help of XXXX XXXX from Chase for a trial period at {$1500.00} per month. I successfully completed those and then had a payment of approximately {$1700.00}. I was doing well until my son in law which lives with us lost his job. I fell 2 months behind. I went to make the payment to Chase and was told that they no longer had my mortgage. A company XXXX bought it and sold it to XXXX and that I will be getting a paper in the mail. I then called XXXX to make a payment they informed me that I was a hundred and something days late. They would not accept my payment. They said I had to come up with {$7000.00}. I did not have it. I went back and forth with my loan specialist XXXX for months. When it got to XXXX I finally thought to mail a check anyway to see what happens. They cashed it. From then on I kept paying it as much as I could while I went through another modification. My original mortgage was {$190000.00} then refinance brought it to {$250000.00} then not being allowed to pay and incurring late fees from Chase and XXXX it is now {$300000.00}. I am again in a situation where I was late and my payment was refused and sent back. We live in New York and winters for a XXXX are tough. I fell behind and as soon as he went back to work, I paid. Now I am being told I need to pay {$13000.00} by this month to not go into foreclosure. I have asked everyone to borrow from them but no one has it. My credit is shot, I cant't get a loan. I am not going to lose my home of 30 years for {$13000.00}. I have XXXX and my daughter is XXXX and XXXX from this. XXXX and XXXX are out of the business. Please help.