Consumer complaint received 2017-02-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

XXXX I most definitely do not agree with the statements made by the bank and its Executives. I have been constantly lied to by Chase and its representatives. Although only my deceased husband name is on the loan, I was required to sign the closing documents. Case in fact, Washington Mutual sent a fax at closing, indicating that if the wife does not sign, the loan ca n't take place. Under the XXXX act and the obligator, I should have been sent every piece of correspondence in my name that my husband received from the bank. This did not happened. I sent in financial information to the bank every time it was requested in order to satisfied requirements, I should have been offered a modification and not an Assumption. If the bank can use the deed to bring suit and my name is all over the closing documents and by financial information was used to secure the loan and modification, then why am I not offered a modification. Chase bank sent information to my lawyer indicating that since XXXX the law has changed and that I will be granted an assumption. In one letter the bank sent a statement indicating that I have to pay over {$53000.00} in order to bring the account current and in another letter they indicated that on XXXX XXXX, I will pay a little over {$1600.00} which includes escrow. And if I pay {$1900.00} then my payments will be {$1400.00}. This highly misleading and ambiguous. The bank also indicated that the foreclosure proceedings has been suspended. However, I just received a letter from the bank attorneys indicating that they need more time to respond to my lawyer letter. So what is it. Is it another lie. If not why is the bank attorney from XXXX XXXX who has brought suite still sending me correspondence. This is indeed breaking the law and misleading again. The bank has constantly broken the law on this account. My husband died of XXXX caused by XXXX from by the bank. Years of lies perpetrated by the bank has caused my family dearly. I have an attorney and the bank is aware of that, yet I receive correspondence from then. The bank attorney know that I have a lawyer, yet I 'm sent correspondence to my home. The bank and its attorney continues to break the law and nothing is done. I requested the hello and good bye letter from Chase bank back in XXXX and then again in XXXX and I have yet to receive what I have requested. Now the bank can offer me an assumption, although in XXXX my attorney was told that the bank was not offering a modification or an assumption. Once again, what has change and where is the documentation indicating that change took place, and who is now the investors and where is my hello and good bye letter. Please stop letting the banks and its attorney 's continue to skirt the law. The bank claims that they requested information and it was nit sent. My question to that is, why would the bank reps inform me that the file is with the underwriter back in XXXX, if the file was not complete. I paid an organization {$820.00} to complete the paperwork because I got tried of the bank requesting information over and over again. Now the bank hides behind, we offered her a modification and an assumption but the paperwork was not completed on time. The bank in essence has lied repeatedly and continues to this day. The law is the law and they should be held accountable. I 've requested numerous documents from the bank and they continue to request more time to review the documents, while they file for foreclosure, while I 'm filing an appeal. Then they serve me papers and then send information that your bank can help you, after the fact. Then have the XXXX XXXX send papers in your deceased husband name saying that the information was provided by the bank to offer remediation. Chase has trampled all over my rights and continues to break the law under the Dodd Frank Act. When will this end. Have n't the bank taken enough.