Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX I submitted a complaint regarding the mismanagement of my mortgage and escrow account as well as several foreclosure attempts made by JPMorgan Chase on my home. I hereby DISPUTE THE PREVIOUS RESPONSE BY JPMORGAN CHASE BANK TO MY CFPB COMPLAINT # XXXX, as I was not given sufficient time to dispute Chase 's response. Their reply consisted of a string of dates listed wherein they claim to have corresponded with me, stating I did not respond, and suggesting I had not complied. They did not mention the fact that I had timely and fully completed their RMA application at least three times since my first application for a loan modification in XX/XX/XXXX. Nor did they mention that a couple weeks after my XXXX SPOC called and told me all of my docs were finally in the underwriters hands and I should have a decision soon, they turned around and informed me I needed to resubmit a new RMA and all the supporting documents yet again as they had been using the WRONG SET OF INVESTOR GUIDELINES. After this fiasco I complied yet again, while they continued to demand repetitive documentation requirements, while scheduling foreclosure sales. Being fed up, I filed the first CFPB complaint. 
This is a direct violation of the Dodd-Frank Act as well as the California Homeowners Bill of Rights. They deny this, but of course never have to prove any of their false claims. The burden is only on me to prove anything, which I can and have done multiple times, while the bank still gets a pass on their own illegal and reprehensible behavior. 
I also complained to the Making Home Affordable team, who intervened several times on my behalf requiring Chase to postpone the trustee sales. The letter Chase published in response to my complaint was the same letter they sent responding to my MHA complaint, which substantiates absolutely nothing. They do not address their wrongful actions and dual tracking, other than to claim they did not do it. 
My original CFPB complaint was primarily to address the ongoing dispute over the property taxes and their mismanagement of my Escrow Account from inception of their servicing, which violates RESPA laws. Chase refuses to recalculate their innacurate amounts required in Escrow. Their continual response is they do n't have to correct their erroneous numbers because I am behind in my payments. ( a position they forced me into by improperly servicing my loan from the outset, and refusing to correct their erroneous numbers. This behavior is well documented in the National Mortgage Settlement, for which the big XXXX banks were fined XXXX collectively. Later, JPMorgan alone was fined another XXXX for more of the same crooked behavior. I believe they need to use the correct values in order to offer me a proper loan modification based on accurate accounting values. Am I expected to sign an offer that I know is prepared using false or incorrect data? 
Another legal matter that JPMorgan failed to address in my prior complaint is that I sent a certified QWR letter to them in XXXX XXXX, which they have still never answered to this day. For several months they sent me a letter requesting additional time to research almost every two weeks, and then after XX/XX/XXXX, they stopped responding completely. To date they have still not complied or answered my QWR letter, willfully violating the Dodd Frank requirement to respond to my questions within 30 days. 
Yesterday, I received a letter from Chase notifying me that they have rescheduled a Trustee Sale of my property for XXXX XXXX. Today I received a letter from yet another 'new ' Single Point of Contact explaining why I did not qualify for any of the loan modification or loss mitigation offers. Will the CFPB challenge the bank 's improper behavior and blatant attempts to steal my property, or is this yet another exercise in futility?

Company response to consumer: Closed with explanation