Consumer complaint received 2015-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I have attempted to get a modification for six months with JPMorgan Chase financial. 

I have recorded XXXX calls with Chase in XXXX, which is a XXXX party notification state. 

Chase has been grossly negligent and potentially committed fraud in handling my modification. 

CHASE STATED DEFENDANT DID NOT NEED AN ATTORNEY FOR FORECLOSURE MEDIATIONOn a XXXX XXXX, 2015 recorded phone call XXXX, my SPOC ( single point of contact ), stated that Defendant did not need an attorney at the upcoming XXXX XXXX, 2015 mediation because an agreement was about to be reached for the modification. 

CHASE REFUSES TO MAIL OUT WHAT IS NEEDED FOR MODIFICATIONChase has repeatedly refused to mail out a specific list of what is needed. The auto-generated list often contradicts what is needed. [ Exhibit XXXX XXXX In recorded calls on XXXX XXXX XXXX XXXX admitted that she was unsure why the auto-generated list did not contain what was needed. Executive officer XXXX XXXX and her supervisor XXXX XXXX stated they would mail out what I need for the modification " within a week ''. [ Exhibit XXXX - XXXX conversation being transcribed ] As of today, XXXX XXXX, 2015, no list has been provided. 

The only list that Chase provided was an email to XXXX XXXX of XXXX XXXX XXXX XXXX office on XXXX XXXX, 2015, which matched what was required by executive office XXXX XXXX and her supervisor XXXX XXXX in recorded calls. [ Exhibit XXXX XXXX Defendant relied on this email and submitted all items. When Defendant turn in the required items on XXXX XXXX. Defendant called back XXXX the same day and she stated those items were never needed. XXXX Exhibit XXXX - being transcribed ] CHASE CONTINUES TO CHANGES WHAT IS NEEDED - SOMETIMES THE SAME DAYFor the past six months, other Chase employees contradict what my SPOC ( single point of contact ) at Chase XXXX XXXX and my previous SPOC XXXX XXXX states is needed. When I call and ask what is needed, often the same day, the list of what is needed changes. I created an exhaustive tally of what Chase representatives says is required, based on recorded phone calls. XXXX Exhibit XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ] CHASE STATES THAT QUITCLAIM IS NEEDED FOR MODIFICATION BECAUSE OF " CHANGING '' FHA GUIDELINES - FHA HUD STATES THAT QUITCLAIM NOT REQUIRED BY XXXX XXXX, XXXX XXXX XXXX my XXXX SPOC until it went to underwriting the XXXX time ), XXXX XXXX ( up until XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX, and presumably " XXXX or XXXX supervisors '' that XXXX spoke with on XXXX XXXX, all felt that a quitclaim deed was NOT needed and that the modification could be pushed forward without a quitclaim. XXXX Exhibit XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ] A day after the mediation, on XXXX XXXX, 2015, Chase representative XXXX XXXX called and stated that FHA policy had changed, and that Chase could not accept a modification without a quitclaim deed. He told Defendant that he would ask Chase attorneys and find out when this quitclaim policy had changed. 

On XXXX XXXX, 2015 an unsigned letter was sent to defendant from Chase entitled " We are researching your request '' regarding finding out when the FHA policy had changed. 
On XXXX XXXX and XXXX, 2015, XXXX XXXX, Executive Office, Research Analysis called defendant and assured him that she would go through the telephone call recordings and find out when the FHA policy had changed. 
On XXXX XXXX, 2015 an unsigned letter was sent to defendant from Chase stating that " we need additional time to research your request '' - " We will have an answer or status update for your by XXXX XXXX, 2015. 
Chase also contacted XXXX XXXX 's XXXX and said they would also have an update to her request by XXXX XXXX, 2015. 
As of today, XXXX XXXX, 2015, no letter has explained when FHA policy has changed. 

According to notes, on XXXX XXXX, 2015 XXXX XXXX, HUD, stated that " we do n't have anything to do with quitclaim deeds '' [ XXXX ]

Company response to consumer: Closed with explanation