JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account Georgia

- 2012 Chase Home Affordable Loan Modification and current reinstatement gone awry. In - 2012, we applied for modifications to our 1st ( a home equity ) and 2nd ( a LOC ) with Chase. The first was modified to - ( prin and int ) and - escrow for property, flood, and taxes. They did not withhold the escrow, and when we notified them, they said that it was set up like a balloon payment at the end of the loan. All this time we have seen a ( - ) escrow balance on our statement and they have paid our premiums and taxes automatically without any issue, so we thought things were fine. My husband is a - - vet and is currently unemployed. We fell behind again last year because of this, went thru the modification process, and were denied because my salary was too low. This took months. I found a better job in - and we reapplied and were denied again. They accepted - - payments ( - and - ) from us during this time. We opted for reinstatement and were told to come up with - to reinstate. I cashed in a retirement


Just as we are about to dig out, they changed the terms of the loan with no notice to us ( I guess to recoup ( - ) escrow that they set up ). We just reached a point where I can make the original payment. This will kill us. On - -, I sent a fax and letter to the specialist on our modification and mailed copies to her, - - ( who had called me from the Chase Executive Office because I escalated the matter ) and the Home Equity Servicing department. I heard nothing from anyone despite numerous messages to - and another payment overdue hit - they wo n't take anything partial from me now. On - - we got a - claiming that we could not be reached and asking that we contact - - by - -. I 've tried every day to do so and have spoken with others in the Executive Office who 've said they were emailing her and her supervisor. I found a fax number that I tried. SHE HAS NEVER TRIED TO CALL ME NOR HAS A SUPERVISOR. I do not understand how a change like this could 've been made without any notice or new documentation when the ( - ) escrow was set up by them in 2012. I want to pay the - we owed as late charges - - and begin paying the base and escrow ( - ) monthly that we owe under the modification instead of the $2100.00 monthly that they now want. We were drowning, pulling ourselves out of the water and they threw us a cement life preserver. I think they are doing this because the house is now worth almost the loan amount of our 1st and 2nd ( 2nd is current ) and they want to drive us out. I care for my - year old father, a - vet with - 's -. I work full time. This is affecting his health as well as mine AND I HAVE TRIED EVERY DAY TO GET IN TOUCH WITH THIS WOMAN or someone who could tell me what is going on. I 've said it before, but I ca n't believe this is happening. We were so close ; if there were any mistakes they were made by CHASE. We let them know. They 've been looking at this for a year and never raised the issue. Now they are pushing us out of our home and are n't even responding to daily attempts to contact them. HOW CAN THIS HAPPEN IN AMERICA? IS N'T IT VIOLATIVE OF THE CONSUMER FAIR CREDIT REPORTING ACT? Please help in any way you can. This is breaking our hearts and damaging our family.