Consumer complaint received 2016-04-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX or XXXX XXXXXXXXXXXX or XXXXXXXXXXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau XXXX, XXXX XXXX C/o XXXX XXXX XXXX FHA Loan # XXXX Bankruptcy # XXXX CFPB # XXXX To the CFPB Litigation Attorneys, *Response to JPMorgan Chase letter dated XXXX XXXX, XXXX Due to the lack of formal response to basic questions concerning the FHA Loan of XXXX XXXX XXXX XXXX XXXX we are requesting a Federal Adjudication on the matter suggested issues and the legitimacy of their documentation presented. JPMorgan Chase Bank National Association has again failed to obey basic banking and mortgage regulations on far too numerous occasions to mention. This letter is intended to merely enumerate several such instances that involves, a failure to supervise, Robo-Signing, deceptive issuance of credit, failure to uphold their fiduciary responsibility as a financial services provider, and an overall contempt for governance and rule of law, concerning our complaint case. 

We have received the same JPMorgan form letter with variations that never truly answer our questions but just cut and paste previous statements. No one ever signs the letter so we have no one to correspond to directly. 
JPMorgan needs to be held accountable for their many negligence 's. 
For the purpose of this complaint we have been on several occasions trying to get a response to the following complaints : In previous submitted letters ( please refer to case files ) in regards to unscrupulous foreclosure activities on XXXX XXXX, XXXX. JPMorgan openly admitted that they received our documents for initial modification. JPMorgan representative, XXXX XXXX XXXX had no one supervising his out call to a customer nor had JPMorgan Chase Bank National Association placed sufficient training safeguards so that their personnel had a rudimentary understanding of a process that they were a direct participant in regarding the fiduciary responsibility as a financial services provider. JP Morgan has openly admitted in several correspondence letters to contacting us, after previously stating they did not on XXXX XXXX, XXXX, ( one day before a foreclosure date ). After receiving written documentation a month earlier on XXXX XXXX, XXXX ( document previously submitted ) stated that all documents had been received and that, they would give us a " Response in a Timely Manner ''. Certainly this was Untimely. This now constitutes a failure to supervise and failure to uphold JPMorgan Chase Bank National Association fiduciary responsibility as a financial services provider, and an overall contempt for governance and rule of law also through " Dual Tracking '' with intentions to not servicing the modification and to Foreclose. 

Another issue never addressed : XXXX XXXX was supposed to be protecting XXXX homes that had slid into foreclosure, shoring up and repairing abandoned properties for those whom had a fiduciary responsibility and were responsible for tending to all real estate that had varying levels of legal dispute and financial disrepair. 

However, inside the offices of XXXX 's complaint department, the company 's has persistent allegations of incompetence, malevolence and larceny. People with legal title to their property called to complain that XXXX contractors had broken into their homes and carted off family heirlooms, valuable artwork and weapons, but XXXX was slow to act upon complaints. One such complaint came from people living next door to foreclosed properties, who complained that XXXX mixed up the addresses and locked them out of their own home. Complaints came in seemingly without end. XXXX is the largest player in an industry of property contractors tasked with the work of mainta

Company response to consumer: Closed with explanation