Consumer complaint received 2016-10-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Dear Friends : Recently I had the good fortune to see Senator XXXX XXXX XXXX that XXXX from XXXX XXXX and my heart was lifted. I hope when you hear my story you might consider helping me in my ongoing battle with Chase Bank. 
I have been battling CHASE BANK for most of the last TEN years to restore my mother 's status as DECEASED and end years of exposure to identity theft and social security fraud. I 'll get to the bank fraud, malfeasance and wrongdoing. 
This " too big to fail '' bank has stonewalled me, my current attorney as well as XXXX previous attorneys, for the better part of the decade since my mother 's death. It 's evident they can not or will not grow a spine ( or a conscience ) and take responsibility for this egregious XXXX, one they have, in essence, perpetrated on my mother, her estate and me, personally. 
WHICH BEGS THE QUESTION : WHAT 'S IN THE KOOLADE AT CHASE?? 
My mother died from complications due to XXXX XX/XX/XXXX at XXXX in XXXX, XXXX. Lawyers at that time filed the appropriate paperwork with Chase Bank for both a name change and replacing Mom 's SS # with an EIN # for her trust. 
My nightmare began in earnest XX/XX/XXXX when XXXX had a series of typos on several mortgage statements from the XXXX XXXX, CA property my mother left me in XX/XX/XXXX. There was a flurry of correspondence requesting a correction without any response or action. 
By the following winter, I started getting mortgage statements with my Mom 's name on it but now her name was misspelled, with an extra " I ''. No matter what I did, said or wrote, nothing happened. I finally got someone on the phone said I should n't worry ; it was an internal Chase matter and they 'd handled it. 
Remember this was XX/XX/XXXX : who would believe what a bank representative says? 
The nation 's banks ( and this one in particular ) had amply proven their reliability, trust-worthiness and commitment to customers. So I thanked the nice representative, turned right around and filed a fraud claim with the Social Security Inspector General 's office. My next call was to the FTC where I filed a complaint against Chase for exposing my deceased mother to potential identity theft. 
With Mom 's new status as " a ghost in the machine '', alive in their computers and now on paper, my authority as trustee was nullified. I could n't refinance the mortgage. So at the height of the recession I could n't reduce our interest rate because these morons reanimated my Mom in their records. 
Now I had to address the issue of Mom 's resurrection. And it was a good thing I did so. Chase never did do anything. By XX/XX/XXXX, a XXXX identity emerged and landed on the INFO USA mailing list, one of the most widely sold and circulated in the free world. 
This was just what I needed. Now I 'm chasing XXXX identities associated with my mom 's social security number, when suddenly a XXXX is dropped right on me. 
When I got the fateful email that set everything off, I 'll admit I was suspicious from the start. I followed my reporter 's nose and discovered that Mom and I were victims, targets of a criminal hacker gang. As you might imagine, it was chaos for months. Eventually, investigators uncovered several disturbing discrepancies on both the light and dark net. The criminals had created a cloned XXXX XXXX, a virtual honey-pot, with Mom 's name, address and phone number. Oh yeah and a map, incase other criminals got lost on their way to our home in XXXX XXXX, XXXX! 
And what was the source of the breach of all this personal information, exposing my mother, her estate and me personally to social security fraud, identity theft and more? 
CHASE HOME FINANCE To date, I still ca n't tell if the rank-and-file of this bank ar more to come ..

Company response to consumer: Closed with explanation