Consumer complaint received 2015-04-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (AL)

XXXX XXXX, XX/XX/2015To Whom IT May Concern : Appeal RequestMy name is XXXX XXXX and I called in on XXXX XXXX, XX/XX/2015 around XXXX XXXX. and spoke with XXXX XXXX who is a Customer Assistance Specialist. I asked how was my income calculated and she advised me that I would have to send in a written request for that information. I asked to be transferred to a supervisor and I was transferred to XXXX XXXX in the Escalation Department. I asked him the same question how was my income calculated he placed me on hold came back to the phone and stated that he noticed the income was different from what was placed on the form. He advised he would research it and give me a call back in 24-48 hours. 
I never heard from XXXX XXXX. I received the repayment plan letter on XXXX XXXX, XX/XX/2015. The repayment plan letter was dated XXXX XXXX, XX/XX/2015. The letter states " to accept this agreement, within 5 days if receiving this letter I need to sign and date the acknowledgement of borrowers form. 
1 ) First, I disagree with the amount used for my gross and net income. 
2 ) Secondly, I request a review of this information and a detailed description of how this information was calculated along with my expenses. 
3 ) Thirdly, when I called back and spoke to XXXX XXXX I was advised that he could not provide me with his supervisors email address and he would give me a call back within XXXX hours. I have heard this before and no one has called me back. 
4 ) Fourthly, I thought someone would have called me to review over the financial information to determine that all numbers and figures were accurate. 

Today I called in today and spoke with XXXX who placed on hold for over 15 minutes and no one came back to the phone. I called back and spoke with XXXX I am unsure what department he works in. I explained everything to him and I was transferred back to the escalation department. This time I spoke XXXX XXXX who reviewed the notes in their system and advised the underwriter is still reviewing the file. He advised he was not sure how long it would take before the underwriter me with a response. I explained everything to him and I asked him if I had to sign the repayment agreement seeing that I had questions and concerns related to the financial analysis. He advised if I did not they could proceed with foreclosure became my account is 6 months delinquent. It was not my intentions to become 6 months delinquent. I love my home and I am willing to work with my Servicers but I do not feel the financial analysis is correct. I still can not understand why I was not approved for a loan modification. 

I asked XXXX XXXX to transfer to a supervisor he placed me on hold came back to the phone and advised the supervisor was on the phone. I asked him if there was another supervisor who could assist me he advised no. I asked him for the supervisors email address he advised he could not provide that to me. He took my number and advised XXXX XXXX the supervisor will give me a call back. 

I am signing and returning the repayment plan agreement I feel that I was forced into signing this because my concerns were not addressed. I do not feel that my case was handled or worked accurately and I am requesting an investigation pertaining to my mortgage loan. I feel that I was pressured into accepting this repayment plan because I was not given any other loss mitigation alternative to prevent foreclosure. The problems I am having with Chase has been going on for months. I feel they do not want to offer me a loan modification I feel they made this decision with consulting USDA. Chase continue to send out borrower packages asking for my financial information and even if i advise that I want to appeal their decision they advised me that I have to complete the entire borrower package over again.