Mortgage -- Struggling to pay mortgage -- Complaint #16011937
Complaint Overview
Complaint ID: 16011937
Company: Jpmorgan Chase & Co.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Foreclosure
State: Georgia
ZIP Code: 30309
Date Received: 2025-09-17T12:00:00-05:00
Date Sent to Company: 2025-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is my third complaint regarding JPMorgan Chase Bank , N.A . and its foreclosure counsel, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please link this complaint with my prior CFPB complaints XXXX and XXXX. On XX/XX/2025, Chase sent me a letter acknowledging errors with a prior vacancy posting and expressly stating my property at XXXX XXXX XXXX XXXX XXXX was not in active foreclosure. Yet Chase internally activated foreclosure the very next day, XX/XX/2025, while my complete XX/XX/2025 mortgage assistance application was still pending. A foreclosure sale is now scheduled for XX/XX/2025. This is dual tracking in violation of federal law ( 12 C.F.R. 1024.41 ( g ) ). In addition, Chase misapplied restricted insurance funds. Chase received multiple insurance checks totaling approximately {$44000.00}. On XX/XX/2025, {$33000.00} of those funds was internally applied to foreclosure-related expenses or arrears without my knowledge, consent, or accounting. When I asked Chases insurance department about these funds, the representative confirmed they were no longer held in restricted escrow but could not explain their application or provide a transaction history. This constitutes improper diversion of insurance proceeds and a servicing error. XXXX has compounded these violations by : * Sending foreclosure notices dated XX/XX/2025 by certified mail to my tenant-occupied property address rather than my mailing address. * Sending a XX/XX/2025 notice falsely marked certified mail but delivered without certification. * Refusing to provide a debt collector license or a full fee/accounting ledger despite my certified demands. These actions violate RESPA ( 12 U.S.C. 2605 ), Regulation X ( 12 C.F.R. 1024.35, 1024.36, 1024.41 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and Georgia foreclosure law ( O.C.G.A. 44-14-162.2 ). Separately, there is an ongoing insurance dispute with XXXX XXXX arising from the XX/XX/2025 storm claim. I am represented by Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, LA XXXX, XXXX, XXXX ). Because XXXX XXXX has refused to fully fund necessary repairs, including tree removal, my property remains unrepaired. Chase knows from my hardship submission that this dispute explains the stalled repairs. When stabilized, the property generates {$7100.00} per month in rental income- which is demonstrated over a period of years. This underscores both my ability to maintain the loan once repairs are complete and the harm caused by Chases diversion of restricted insurance funds ( {$33000.00} applied on XX/XX/2025 ).
Frequently Asked Questions
What is Complaint #16011937 about?
Complaint #16011937 was filed against Jpmorgan Chase & Co. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-09-17T12:00:00-05:00.
How did Jpmorgan Chase & Co. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Jpmorgan Chase & Co.?
Yes, visit the Jpmorgan Chase & Co. company profile at readthecomplaint.com/company/jpmorgan-chase-co to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.