Consumer complaint received 09/28/2015 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/XXXX I had XXXX and was out of work for two weeks using up my PTO time. I went back to work until XXXX/XXXX/XXXX at which time I was informed that my XXXX was being audited which put me out of work through XXXX/XXXX/XXXX putting me a month behind on my bills. I was able to just about catch up with my tax return. I then contacted Chase to do a refinance to lower my interest rate. In XXXX or XXXX they told me I had {$50.00} to much debt to income ratio. I have applied for every XXXX of their programs and have gotten no where with them. 
The final straw was when they contacted me on XXXX/XXXX/XXXX informing me that my mortgage was XXXX payments behind. I told them I was tired of dealing with this and they were probably tired of dealing with me so I told them to put it up for a short sale. I contacted a realtor and put it on the market on XXXX/XXXX/XXXX. In XXXX I put new carpet in the main part of the house per realtor request. The realtor contacted chase through their XXXX website informing them of such. XXXX responded with an email stating " this is a short sale to be sold as is ''. In XXXX they requested I fill out the same paperwork I have filed with them at least XXXX times before. When I contacted them on XXXX/XXXX/XXXX about doing a deed in lieu of foreclosure I was told my paperwork was not in order and I had not been cleared for a short sale. I was sent to my specialist voice mail and asked her to call me back. She did not call me back until XXXX/XXXX/XXXX and I asked her to fax me the documents she still needed. No fax was received so I contacted her on XXXX/XXXX/XXXX at which time she forwarded me to the escalation department and I spoke to a XXXX XXXX. He said he would research my case and get back to me within XXXX days. HE called me back later that day and told me my file had been closed on XXXX/XXXX/XXXX and I would have to refile all my paperwork. I get back in touch with my specialist XXXX XXXX after faxing her the paperwork she requested and she said my file had not been closed and all the paperwork was now in order and my file had been sent to the underwriter on fast track and I should get an answer in 7-10 days. I contacted them to get the answer on XXXX/XXXX/XXXX and was told by XXXX that it still had not been sent to the underwriter. ON XXXX/XXXX/XXXX was told the appraisal which was done on XXXX/XXXX/XXXX had not been uploaded to my file yet. On XXXX/XXXX/XXXX I contacted Chase to find out what the appraisal amount was and was told by XXXX XXXX that it was {$77000.00}. My Realtor contacted Chase and was told that was a mistake it was {$130000.00}. So the appraisal was done. They have refused to send me a copy of the appraisal. Finally on XXXX/XXXX/XXXX XXXX contacted me and stated that I have a surplus of funds and therefore they were n't going to do anything for me. On XXXX/XXXX/XXXX My realtor was contacted by email and told my house had been cleared for shortsale and the price could be reduced into the {$130000.00} 's. I just contacted my specialist to find out what had changed and why I needed to File the same paperwork yet again. She said on her computer it did n't show as being cleared for a short sale. I have gotten nothing but the run around for the last 19 months.

Company response to consumer: Closed with explanation