Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

I wanted to get a XXXX for my house payment so that I could better be able to afford a new roof for my property. I was advised by a chase agent when I called about it in XXXX that I would not be eligible for that kind of assistance unless my mortgage was at least six months behind. I contacted Chase after receiving a letter from them that was date for XXXX/XXXX/2016 to try to get the process started so that they would not proceed with foreclosure on my home. The woman I spoke with told me stick to the original plan to try and get some type of modification once the loan was 6+ months behind to help with the new roof. Then, the third week of XXXX I received a letter from the attorneys that my loan had been referred for foreclosure. I called the attorneys to see if there was anything I could do to start the process yet and I was given a website with forms that I could download and fill out to start the process. I filled out the forms and called to find out if there was a way to submit them online as I did not have money to fax them and wanted to get them there as soon as possible. I told them I was concerned that they would foreclose on my home while XXXX me around with receiving the documents. I was given an email address and asked to email all the forms with the required proofs. I did this on XXXX/XXXX/16. Then, I received a phone call from Chase in the second week of XXXX telling me that they needed me to resubmit my email as well as to fax it as soon as I could afford to since they would need a hard copy of my paperwork. I sent the email again on XXXX/XXXX/16. When I called to verify they had received my email, I was told that they had received it and that they would be updating my file as well as putting in a request to stop the foreclosure process. I was told not to worry and that they were not going to sell my home since I was working with them. On XXXX/XXXX/2016 I also faxed the documents as well. Then, on XXXX/XXXX/2016 I came home to find a notice on my door that there was a sale on my property for XXXX/XXXX/2016. I once again called Chase and was told that I could disregard that notice as they were not proceeding with the sale on my home since I was working with them. Then, on XXXX/XXXX/2016, I was informed by a family member that the sale of my home was listed online and dated for XXXX on XXXX/XXXX/2016. I called Chase again. This time, I was first told that they did n't receive my paperwork. I told them I had submitted it more than once already. Then they said there were documents missing from my application so it could not be processed. I told them that was n't possible because I had already called and verified that everything was submitted that they needed. I demanded to speak to a supervisor and the supervisor said that there was nothing they could do to stop the sale as the sale date was too close to the date that they received the paperwork. I explained that I had been keeping in constant contact with them to see to it that I had done everything that I needed to do. She told me the only way to stop the sale was if I was able to give them the payoff amount ( which she could n't even give me the exact amount ; she said it would be roughly {$5000.00} ). So on XXXX/XXXX/2016 at XXXX, they sold my home in a sheriff 's auction. Then, on XXXX/XXXX/2016 I received an email saying that my application and documentation had been received. This company has lied to me time and time again about how to handle this issue. And now they have sold my home.