Consumer complaint received 2020-03-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Filed attached Complaint on XX/XX/XXXX, alleging that JPMorgan Chase and Company operated an illegal, unsanctioned subprime lending boiler-room from XXXX to XX/XX/XXXX in a XXXX Branch Office located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX. Chase Lending Specialists employed at this clandestine direct-marketing boiler-room " created '' XXXX conventional home mortgage loan applications and seven FHA/VA/FSA-RHS home loan applications, resulting in 175,497 non-conforming subprime and Alt-A home mortgage loans to financially-distressed consumers ; many of which resided in high-poverty, inner-city MSAs/MDs. In XX/XX/XXXX, the remainder of the 175,497 consumers who had not had their " Toxic Mortgages '' foreclosed, or had been to accept short-sales, or had not abandoned their homes ; were further scammed and/or disenfranchised by Chase by being denied their rightful share of the $ XXXX Consumer Relief Provision which was to provide " restitution '' to consumers who had been harmed by the fraudulent and/or criminal actions of JPMorgan Chase Bank, N. A. This " restitution '' was part of the DOJ 's Settlement of the $ XXXX Chase RMBS Trust Certificate Lawsuit XXXX in which JPMorgan pled guilty. XXXX XXXX XXXX was only one of the XXXX consumers " Harmed '' by the Predatory Lending, Mortgage Loan Fraud, Racial Discrimination/Racial Profiling practices of JPMorgan but since XX/XX/XXXX both JPMorgan Chase Bank, N. A. has refused to acknowledge that she was just of the victims in what was undoubtedly the greatest fraud/scam in United States history. CFPB Complaint Number XXXX included a complete description of the alleged criminal actions against all XXXX consumers victimized by Chase, however, the response to this complaint only reference six previous letter for JPMorgan that was the basis of Chase 's response to this CFPB complaint. On multiple occasions, we have requested copies of these " smoking guns '' letter via Email but JPMorgan Chase Bank, N. A. has block our Email address since XXXX and is rejecting our request for copies of these six letter. See more below : The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 
1. COMPANY 'S INTERIM RESPONSE Two Weeks Later : XX/XX/XXXX Chase Interim Response : Were still working on your request and will send you a letter as soon as we complete our research. Thank you for your patience. 
2. COMPANY 'S RESPONSE Five Weeks Later : XX/XX/XXXX Chase Final Response : We understand your inquiry is of great importance and you wish a particular outcome. We are committed to service excellence. We have reviewed this matter multiple times and sent you several responses on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We have not enclosed copies of these letters, but they are available upon your request. We consider our position to be reasonable, accurate and final. 
3. Email Message Sent by Consumer to Member of Chase Executive Office Requesting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Dear XXXX XXXX, Chase Executive Office, I apologize for imposing on your busy schedule ; however, you were the last contact Chase assigned to this long-standing complaint. 
As you can see by the attachment entitled : Block Email Message Sent to Chase Executive Office - Mortgage Escalation Department ( Regard CFPB Complaint XXXX ), the Chase Email server has blocked all Email messages from me, and it is critical that the Email message shown below be delivered to the manager of this group ASAP. ( Urgent : Pending Foreclosure Action Schedule XX/XX/XXXX. ) 4. Rejected Email Message from Consumer on XXXX XX/XX/XXXX ( Requesting Promised corroborating evidence for Chase Response to CFPB XXXX ) XXXX Undeliverable : RE : Request for Assistance from Mortgage Servicer of XXXX Loan Number XXXX, and Chase Loan Number XXXX. Sat XX/XX/XXXX 5 Rejected Email Messages on Six XX/XX/XXXX ( Requesting Promised corroborating evidence for Chase Response to CFPB XXXX ) XXXX Undeliverable : RE : STILL AWAITING FOR PROMISED RESPONSE FROM CHASE TO CFPB COMPLAINT : XXXX ( XXXX  Loan Number XXXX, and Chase Loan Number XXXX. ) Tue XX/XX/XXXX 6 Rejected Email Messages on Six XX/XX/XXXX ( Requesting Promised corroborating evidence for Chase Response to CFPB XXXX ) XXXX Undeliverable : FW : LONG AWAITED RESPONSE FROM CHASE TO CFPB COMPLAINT : XXXX ( XXXX   Loan Number XXXX, and Chase Loan Number XXXX. ) XX/XX/XXXX 7 Rejected Email Messages on Six XX/XX/XXXX ( Requesting Promised corroborating evidence for Chase Response to CFPB XXXX ) XXXX Undeliverable : LONG AWAITED RESPONSE FROM CHASE TO CFPB COMPLAINT : XXXX ( XXXX Loan Number XXXX, and Chase Loan Number XXXX. ) XX/XX/XXXX

Company response to consumer: Closed with explanation