Consumer complaint received 2016-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (MA)

XXXX attmpd a mod w/Chase divorced. Denied 2x 's & with the help of a XXXX advsr advsd Chase I was within the means & was apprvd immediately spring XXXX. However, Chase does not have the correct date of mod documented as they lost paperwork & I had to resend it causing the eff date to be XXXX XXXX. XXXX XXXX my company closed after decreasing work hrs since XXXX XXXX. My son had XXXX on XXXX/XXXX/XXXX which was an unexpected expense & brought me in rears for the XXXX month eff XXXX/XXXX/XXXX. I tried to make paymnt to chase & get back on track but they denied it wanting the full amnt. this forced me to contact a realtor XXXX XXXX for a Short sale due to foreclsr notices upon living in home for 22 years. I tried to work w/chase & inquired about programs. the BIG mistake they made ... I ONLY SPOKE to a rep who explained the uneplymnt prog & told her I would follow up if I could do. I applied for this program in the spring of XXXX with appropriate forms reqrd only to be advsd by Chase I was alreay apprvd In the fall?? To this date, they have NEVER been able to provide documentation that I sent in to apply for this in the fall of XXXX as I NEVER DID. What brought me to this was XXXX unsuccessful Short Sale attempts from XXXX XXXX - XXXX XXXX. The problem was the value of the home. My realtor worked diligently with Chase with appraisals, photos etc to show them the XXXX diff & the value no greater than XXXX. XXXX short sale Chase Denied, the XXXX the potentl buyer backed out/which I have emails from their realtor. backed out due to the home insp showing {$50000.00} of reprs. However, my realtor did not contact Chase as we were getting no where w/the price differential. Chase DOES show they approved the sale and I DENIED IT. again, not true. continued to work with Chase from XXXX thru XXXX asking them to provide an appraisl on the home as it was not worth more than {$220000.00} & ignored. in the XX/XX/XXXX someone finally listened. recvd a call from XXXX XXXX in the exec office sending out an apprsr. which came back @ XXXX the amount my realtor & I expressed since XXXX. On XXXX XXXX XXXX I spke with XXXX XXXX who advsd me of this & stated this qualifies me for a great mod.She stated that chase is going to revw my entire file and wave all fees, atty fees, etc going back to the date that I reqstd this.She stated that the underwriters would like to get there hands on this Mod or would I prefer to wait for the revw. I am sure this was recorded & I stated I want to wait for the entire revw as I want to know exactly what I owe chase. Within a month I recvd a package for a trial mod?? I sent XXXX letrs to XXXX expressing I DO NOT WANT TO LOSE THIS MODIFICATION, however I am still recvng lertrs from chase they are still revwing & I want to know the exact amnt I owe. This continued till XXXX XXXX. I recvd docs that I ignored the mod. Then recvd the revw from Chase. I can argue each & every response but did not as I was told to just resubmit my documents as I am still eleg for this revw which I did. XXXX had someone call me in XXXX XXXX to say my mort was being place w/XXXX. I attempted to contact XXXX & did not hear bck. I contacted chase reps making sure they had my mod. I recvd paperwork it was all complete from Chase as well. I had to advs the cust serv reps about the mort being transfrd. Late XXXX XXXX returned a call to chase as underwrntg need addtnl info? .On this day the rep & I discussed the transfer of the mortg. I was advsd that day that I could just wait to hear from XXXX as my mod wld go straight over to their undwrters & offrd the same mod. This has not happned & again an addtl 7 months delq. It never went to their undrwts as I was promised nor are they aware of any waived fees, eleg mod, etc. & again or history of this. Chase dropped the ball. Filing a sep complt w/ XXXX.