Consumer complaint received 2015-12-24
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (GA)

I am a senior of XXXX years old experiencing a SERIOUS HARDSHIP, as a consequence of reduced income, XXXX, and an ongoing, XXXX, NOT covered by XXXX. In 2015, I have applied for financial assistance with CHASE. My monthly mortgage payment was about $ XXXX/month. I have clearly asked CHASE to be considered/reviewed for each/every financial assistance alternative that I 'm eligible for. Initially, I 've had my application rejected by CHASE on a false premise, where CHASE stated that given the CURRENT STATUS OF MY TITLE, my application can not be reviewed any further. However, eventually, I was offered a Standard Modification ( SMod ), asking me to pay almost $ XXXX/month more than what I have previously paid. I am attaching to this Complaint, CHASE 's Review/Written Answer to the Customers ' Previous Complaint, opened in XXXX 2015. I am also informing CFPB of what happened to my Application For Financial Assistance ( AFFA ), ever since : 1 ) In XXXX 2015, I was told by CHASE that if I 'll NOT accept the Trial Payment Plan ( TPP ) offered, CHASE will accelerate the Foreclosure Procedure on me, if I am NOT PAYING IMMEDIATELY all the Past-Due Payments at once. 2 ) I was also told by CHASE that if I accept the TPP & start making the Trial Payments ( Tp ), during the Trial Period ( TP ), I will continue to be reviewed by CHASE 's Underwriting Department ( UD ), for any additional financial assistance alternative that I am eligible for, based on my most updated financial information submitted to CHASE/my current delinquency status. 3 ) During XXXX 2015, I have compiled additional documentation proving a SIGNIFICANT CHANGE in my financial situation and submitted it to CHASE, as required. Later on, both, XXXX XXXX ( my CHASE CAS ), as well as XXXX XXXX ( her Supervisor ), confirmed receipt of such documentation. Moreover, XXXX XXXX confirmed that my most updated package of financial information received by CHASE, has been forwarded to CHASE 's UD, & is currently ( as of XXXX 2015 ), UNDER REVIEW. At the end of XXXX 2015, I found out the followings, which were A COMPLETE SHOCK TO ME ( I am also attaching the documentation send to CHASE and received from CHASE, to this Complaint ) : a ) On XXXX/XXXX/2015 XXXX XXXX ( CHASE 's CAS ) advised me that my file/AFFA, has never been to the UD, after I was offered a XXXX XXXX SMod offer, on XXXX 2015. b ) Moreover, XXXX XXXX ( CHASE 's EO Rep. ) stated that according to CHASE 's notes on my file, The EO CLOSED my FILE/REVIEW on XXXX/XXXX/15, despite continuing to receive multiple Official Letters from CHASE ( even as I am writing this Complaint ), most of which are asking me submit additional documentation because my file/application is NOT YET COMPLETE. I can understand ( even though, I DO NOT agree with ), WHY XXXX XXXX is CONSTANTLY REJECTING MY APPLICATION for HAMP, since The Home Affordable Modification Program ( HAMP ) has been ONLY EXTENDED until XXXX XXXX, 2015. Even MORE SHOCKING is the fact that NOW, I AM TOLD by CHASE that because I have accepted the Trial Package, I can not be considered /Reviewed for anything, anymore. Last, BUT NOT LEAST, when I 've asked CHASE ( before making my last trial payment ), what my Modified Payment is going to be ( since it is currently almost {$300.00} higher than what my monthly payment used to be prior to asking for the current modification ), I was simply told that NOBODY AT CHASE IS BE ABLE TO KNOW, UNLESS and UNTIL AFTER I HAVE COMPLETED MY LAST TRIAL PAYMENT/TRIAL PLAN. I am asking CFPB to look into the serious claims of This Complaint, as this/these Governmental Program ( s ) has been designed to HELP CUSTOMER ( S ), NOT to ask them to PAY MORE. For many months now, CHASE denied me the right of obtaining a Complete Set of All Notes/Documents related to my application for financial assistance.