Consumer complaint received 2017-01-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sent JP Morgan Chase a QWR/Notice of Error/Information request on XX/XX/XXXX via Certified registered mail. 

The following documents were requested from my loan file : Sr No Request for Reason for request 1 Any/All MHA loan assistance Applications ( including any attached documents ) sent in by me between XX/XX/XXXX and XX/XX/XXXX. Attempts to modify loan 2 Any/All MHA loan application Denial Letters sent by Chase during all of the period of this loan. Receipt of Chase responses 3 Any/All Credit Reports and any other information ( e.g., property valuations, asset valuations, US Treasury requests, account verifications, worksheets, notes, etc ) used to determine denials of ( 2 ), above Information used by Chase to determine denials 4 Any/All MHA loan application Appeals/Reviews/Reconsiderations ( including any attached documents ) sent in by me between XX/XX/XXXX and XX/XX/XXXX My follow-up attempts 5 Any/All information ( e.g., Credit Reports or any other information ) used by Chase to send any other refinancing offers ( i.e., non-HARP refinancing ) during the whole the life of this loan. Information used by Chase to send promotions 6 Any/All copies of all HARP Refinancing Promotional letters mailed to me via USPS Priority Mail during the years XX/XX/XXXX till XX/XX/XXXX. Chase refinancing attempts or contacts with me 7 Any/All Credit Reports or any other information used by Chase in determining that the above promotional letters in ( 6 ) above be sent to me. Information used by Chase for promotional offers 8 List of all dates & times that I made contact with Chase personal over the phone or personal visits to seek loan assistance, during the period of XX/XX/XXXX through XX/XX/XXXX Record of non-written attempts made by me to modify my loan due to hardship 9 Any/All information used by Chase in oral/verbal denials of loan assistance made by me in ( 8 ), above. Record of non-written denials made by Chase 10 Any/All other loan assistance options considered by Chase for this loan during the life of the loan. Options considered by Chase 11 Any/All information used & reasons for disqualifying me for loan assistance in ( 10 ), above Inputs & decisions considered by Chase On XX/XX/XXXX I sent a second QWR request for the following : Sr No Request for 1 Copy of Mortgage NOTE of XX/XX/XXXX 2 Recording/Transcript of phone call between me and XXXX XXXX of XX/XX/XXXX 3 Recording/Transcript of phone call between me and XXXX XXXX XXXX of XX/XX/XXXX I called the executive office of JP Morgan Chase last week and also followed up with an email request on XX/XX/XXXX. I have not heard back and neither have I received the above documents I have requested. 

Even though JP Morgan Chase is of the opinion that an error has not occurred. I disagree because there was no property valuation done XX/XX/XXXX and I was never sent any worksheet or any other inputs/outputs of their review XX/XX/XXXX. 


I need all the above information requested to determine the process followed XX/XX/XXXX to educate me on how and whether I should proceed with a new loan modification XX/XX/XXXX, if any.

Company response to consumer: Closed with explanation