Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I never received assistance or information regarding the Chase RMBS settlement or any resources the settlement entitles me as a struggling homeowner. 
I have been denied a loan modification and other loss mitigation resources due to discrimination because all or part of the my income derived from any public assistance program and my customer assistance specialist, XXXX XXXX, spoke those exact words to me in a conversation over the phone in the month of XX/XX/XXXX. and discriminated on my Familial status regarding my child and my own mental impairments and obtained a refusal to permit, reasonable modifications of existing premises occupied or to be occupied by such person if such modifications which is necessary to afford us full enjoyment of of home and property, while also refusing to make reasonable accommodations in rules, policies, practices, or services, which is also necessary for us to afford equal opportunity to use and enjoy our dwelling and property which is our primary residence. 

My mortgage servicer/lender has no true valid ownership or beneficial interests in my existing mortgage and is unable to provide me with a chain of title, promissory note, and a valid, legal assignment of mortgage. 

J.P. Morgan Chase Bank N.A has violated my rights by also calling me numerous times at XXXX and numerous times after XXXX, most of these calls were from an automated message stating " Chase is A debt collector, this is an attempt to collect a debt, any information obtained will be used for this purpose, failure to bring your account current will result in a pending litigation lawsuit, wage garnishments, negative credit report and the loss of your real property which will make it impossible for you to own another real property in your future. You must make a payment in full to bring your loan current immediately & failure to accommodate this request will bring you under scrutiny and cause financial damages upon yourself. '' This was indeed a robo-call, while threatening my financial sate, future, and reputation while violating the truth in lending laws and wrongfully denying myself a loan modification on several different occasions not to mention sending me in foreclosure in XX/XX/XXXX after 15 days after missing my mortgage payment. 

J.P. Chase Morgan Bank, N.A. violated the Truth in Lending Act in Regulation Z. with failure to establish policies and procedures for providing myself and to connect me with continuity of contacts with their servicer personnel that we capable of performing certain functions and failed their obligation to manage my escrow accounts, including abiding by certain restrictions on purchasing force-placed insurance for myself, since I have an escrow account. 

J.P Morgan Chase Bank N.A. failed to follow the Final Servicing Rules and did n't adequately provide me with Periodic billing statements ( XX/XX/XXXX TILA Servicing Final Rule ). My Creditors, assignees, and servicers did n't provide a periodic statement for each billing cycle containing,, information on payments currently due and previously made, fees imposed, transaction activity, application of past payments, contact information for the servicer and housing counselors, and, where applicable, information regarding my past due amount and failed to meet the timing, form, and content requirements provided in the rule. 
J.P Morgan Chase Bank N.A. violated the Federal Trade Commission Act by making false statements. 
In XXXX

Company response to consumer: Closed with explanation