Consumer complaint received 2020-10-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I sent the following Email message shown below to both JPMorgan Chase Bank, N. A. and XXXX XXXX XXXX XXXX XXXX, and since, have followed this Email message request with two identical Email requests. All Email request have included the legal : " TIME IS OF THE ESSENCE '', indicating that an urgent request was needed. 
Yesterday, XX/XX/XXXX, my wife and I received the attached letter from the US Chapter XX/XX/XXXXBankruptcy Court and it does not list either JPMorgan Chase Bank, N. A. or XXXX XXXX  XXXX as the owner of our mortgage loan. We would like the ownership and the amounts listed in this formal Bankruptcy Court Document but can not do so without a formal response to our request for clarification of ownership sent to both JPMorgan Chase Bank, N. A. and XXXX XXXX XXXX , XXXX **************TEXT OF EMAIL MESSAGE XXXX Dear Mr. XXXX XXXX XXXX and Ms. XXXX XXXX and Mr. XXXX XXXX XXXX Chase ; andXX/XX/XXXX Ombudsmans Office , It has now been more than three weeks since we last spoke, and I am still waiting for an Email or mail response from you are Mr. XXXX or Ms. XXXX or the Honorable. XXXX XXXX XXXX. 
I need an answer to the following question in plain English : WHO IS THE CURRENT OWNER of HOME MORTGAGE NUMBER XXXX! 
Is it 1. JPMorgan Chase Bank , National Association ( JPMCB ), as shown in the SEC Prospectus for XXXX Trust Certificate : XXXX XXXX XXXX-CH1? 
2. XXXX XXXX XXXX XXXX Inc., who initiated a questionably foreclose action on this mortgage? 
3. XXXX XXXX XXXX XXXX, who is the Trustee of the XXXX XXXX Certificate : XXXX XXXX XXXX-CH1? 
4. Chase Bank USA , National Association and/or it's non-FHA sanctioned : Chase-Direct Non-Prime Division who originated this Toxic Mortgage loan in XXXX ; before selling it ( without due notice to the mortgagor ) to JPMCBNA? 
5. Chase Home Finance, LLC ( now a subsidiary of JPMCBNA ) to which the mortgagor paid monthly payments for seven years  between XXXX and XXXX? 
6. Chase Manhattan Bank USA, National Associations Chase Home Loan Direct Mortgage Origination Center? 
As many as 171,201 other Toxic Mortgages such as Mortgage # XXXX were originated, sold and securitized from XXXX to XXXX, and we believe that these mortgagors, ( many of which are XXXX American Citizens ) would like to know the answer to the above question. 
TIME IS OF THE ESSENCE, so please respond ASAP! 
The following is snippets from http : //www.diy-carp.com are being sent without comments or commentary. 
************ XXXX Predatory Lending, Mortgage Loan Fraud and Racial Discrimination/Racial Profiling Claims against JPMorgan Chase Bank, N. A. on behalf of are described below ************ Previously-unpublished HMDA-LAR Raw Data Disclosures found in the Governments National Archives and Records Administration ( NARA ) Repositories show that from XXXX to XXXX, Chase Manhattan Bank USA,  National Association and its affiliates : JPMorgan Chase Bank , National Association ( JPMCBNA ), and Chase Manhattan Mortgage Corporation ( CMMC ) were guilty of Predatory Lending, Mortgage Loan Fraud, and Systemic Racial Discrimination/Racial Profiling in its Conventional Home Mortgage Lending Practices at their XXXX XXXX, Pennsylvania Mortgage origination Boiler-Room. The primary victims of these criminalities were tens of thousands of XXXX American consumers, but these wanton practices extended to other economically-distressed consumers as well. The Toxic Mortgages originated for these economically-distressed consumers by JPMCBNA during this period were immediately resubmitted to FFIEC via HMDA-LAR, cleansing them of all non-conforming mortgage characteristics ; and, then were securitized into fraudulent XXXX Trust Certificates by a third Chase affiliate : JPMorgan Chase Acquisition Corporation ( JPMAC ). In XX/XX/XXXX, during an elaborate plot to conceal the existence of more than two-hundred-thousand Toxic Mortgages originated by employees of these two National Banks, JPMCBNA along with XXXX XXXX XXXX , XXXX, conceived and executed an illegal Eleventh-Hour Outsourcing Maneuver to conceal these Chase-originated Toxic Mortgages from the Department of Justice Investigators during the discovery phase of the DOJs XXXX Trust Certificate Lawsuit against JPMorgan Chase and Company. Although the jettisoning of these tens-of-thousands of Toxic Mortgages was classified as outsourcing, its real intent was to transfer these toxic-waste assets to XXXX XXXX  XXXX, the Trustee of This illegal maneuver was so successful that in a legally-unprecedented ruling, It resulted in allowing the proverbially-Fox to Guard the Hen-House when the DOJ named JPMCBNA, the primary defended in the landmark Chase XXXX Trust Certificate lawsuit, as the Sole Administrator of the $ XXXX  Consumer Relief /Restitution awarded in settlement of this lawsuit. The role as the Sole Administrator of the $ XXXX   Relief/Restitution enabled JPMCBNA to select consumers harmed by the unlawful conduct of JPMorgan and award them a rightful share of the restitution awarded in the settlement agreement. More than one hundred and twenty-three thousand mortgagors received relief/restitution awards ; but serendipitously, none of the Chase-originated Toxic Mortgages outsourced via the XXXX Chase/XXXX   Eleventh-Hour Outsourcing Maneuver received relief or restitution, but an undetermined number of home mortgages held by JPMCBNA for investment purposes received undisclosed relief and/or restitution awards. ( As previously mentioned, many of the Toxic Mortgages outsourced during this illegal eleventh-hour outsourcing maneuver were owned by XXXX  Americans, and predictably, received no share of this restitution. In an even more deceitful, sinister maneuver, JPMCBNA may have received some of the restitution slated to be received by consumers harmed by its unlawful Predatory Lending, Mortgage Loan Fraud, and Racial Discrimination/Racial Profiling mortgage lending practices. ( The XX/XX/XXXX edition, Consumer Relief Report from the Monitor of the $ XXXX Consumer Relief/Restitution, included the following caveat : JPMorgan Chase Bank , National Association received incentives for certain relief conducted in the first year, in hardest-hit areas ; and on loans held for investment as opposed to loans serviced by others, e.g., XXXX XXXX XXXX , XXXX . )

Company response to consumer: Closed with explanation