Consumer complaint received 2017-01-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

XX/XX/XXXX, when the recession began, I lost my job as a foreman for a new housing construction company. We know now about the cause of the recession, the greed and fraud, the taxpayer bailouts and the " slap on the hand '' punishment, etc ... XX/XX/XXXX I signed my mortgage papers with J.P. Morgan Chase Bank ( # XXXX ). They caused my job to end through their fraudulent, greed-filled actions. They defaulted on the mortgage loan. XX/XX/XXXX, after exhausting all savings, I contacted Chase to pursue a loan modification. According to Chase, this required payments to be up to date, including arears, and one year of payments without being late. So, following the information from the ever-growing stack of " Act 91 '' foreclosure notices, I applied and received assistance from the Homeowners Emergency Mortgage Assistance Program ( HEMAP, # XXXX ) through the Pennsylvania housing finance agency XX/XX/XXXX. Although the state made my monthly mortgage payments, Chase said that I was late with a required monthly payment which disqualified me from the Home Affordable Modification Program ( HAMP ). The state said they paid on time and faxed me the payment history. Chase ignored and told me to continue making " on time '' payments. Then there are the " Statement of Ineligibility for Loan Modification '' letters that arrive telling me that I do n't qualify because my payments are current. At the same time they would continue to send " Act 91 '' foreclosure notices. ( I thought that they could n't send those if you were participating in the HEMAP program, I guess I was wrong ) This is a classic example of stupidity used as a successful tool. From XX/XX/XXXX to XX/XX/XXXX/XX/XX/XXXX I have had many " Relationship Managers '' that continually stressed our " relationship '' by managing to ask for duplicate ( Home Affordable Modification ) paperwork monthly! Another classic example. They made quite the fool out of me, and I have every copy to prove it. In order to keep my home, while making every effort to accommodate Chase, I used the Veterans Retraining Assistance Program ( VRAP ) money to live on while obtaining student loans to go to school for a year, possibly to help me acquire meaningful employment. I did acquire a XXXX degree in XXXX XXXX, or as commonly referred to, a piece of poor mans ' toilet paper. And a {$10000.00} student loan bill. XX/XX/XXXX I received from Chase a letter stating that I am ineligible for a loan modification because ; " The investor/guarantor/insurer who has the right to specify loss mitigation options with respect to your loan will not permit loan modifications. '' I wonder if that was part of the federal guidelines that Chase agreed to when they agreed to participate in the HAMP program? I decided that I can no longer afford to stay and that I am fighting a losing battle to keep my home. Now that the fine fraudulent folks at Chase have done their part in creating an " underwater '' real estate market, I wanted to attempt to short sale the property. Now, however, my dealings were to be with XXXX because the servicing, or the loan itself, was transferred to them ... maybe. I 'm not sure because I have conflicting paperwork from Chase. It seems as if they are trying to cover something. Maybe their hind quarters. In any case, XXXX ( loan # XXXX ) would not communicate with my broker to pursue a short sale and continued to send me additional " Act 91 '' valentines. I moved out after giving notice XX/XX/XXXX. My family moved in with my uncle until I could find work and a place to live. Seriously bad times and I blame it squarely on Chase. Not only did I lose a great job and my home, but now I 'm further in debt to the state ( {$26000.00} ), owe student loans for worthless schooling ( {$10000.00} ) and my credit now allows the parasites and vampires ( insurance, utility compan