I have written permission from my Friends, victimized by an unsuitable + predatory JPM XXXX mortgage, as an authorized XXXX Party.When my Friends applied for a loan of approximately XXXX, JPM gave them a XXXX mortgage, and simultaneous XXXX Variable Equity loan. My friends had to refinance the XXXX loan a few years later into a fixed rate,9.68 % 2nd mortgage with XXXX XXXX After struggling for almost 10 years to stay current on XXXX Loans, XXXX of my XXXX friends had a pay reduction and increased costs of her XXXX Father 's care, making it impossible for them to continue making their current payments. When my Friends confided in me this financial difficulty, knowing that I had helped XXXX Friends + family Members XXXX get loan Modifications under XXXX + @ XXXX, they agreed to allow me to represent and negotiate with JPM and once obtaining a Modification, approach XXXX XXXX under XXXX to achieve relief from yet another predatory loan given to them by XXXX. On XXXX/XXXX/XXXX, after JPM received the " Authorized XXXX Party '' Forms allowing me to speak on my Friends ' behalf, I initiated a call to JPM to start discussions. After reviewing my Friends ' notes on their contact with JPM prior to me getting involved, I informed JPM that JPM was violating the " single point of contact '' rules required under the XXXX mandate, because they had been contacted by multiple JPM Reps instead of a single point of contact. I insisted back in XXXX that I was to be assigned XXXX Rep to discuss this loan with, received an apology, and assurances that I would have XXXX JPM Rep to talk to. Since XXXX/XXXX/XXXX, I have spoken to exactly XXXX JPM Reps -- the Names + Dates will be provided at a later date, and can be confirmed by the JPM recordings as well. Ultimately, after giving JPM all information requested foe Modification consideration, JPM mailed an " offer '' dated XXXX/XXXX/XXXX, to my friends offering to reduce the amount of the payments from {$1900.00} presently, to {$1900.00} -- outrageously insufficient to relieve my Friends ' burden. In XXXX, when the Banking Industry in general, and JPM in particular, provided " Unsuitable Loans '', " Predatory Loans '', " No Doc Loans '', " Liar Loans '', etc, etc, countless American Families were permanently damaged. The games XXXX XXXX + the Banking Industry played during the days of rising Real Estate values resulted in a Global Economic Crisis that needed hundreds of Billions of dollars in bailouts paid by us the American Taxpayor. Thanks to XXXX XXXX, the Banks were forced to pay XXXX XXXX into the XXXX, intended to help Americans stay in their homes. My Friends want to keep their home, and are in dire need of XXXX relief. I file this complaint with the CFPB to start the process of appealing the totally inadequate " offer '' by JPM. My friends need real relief, not the insulting token offer by JPM after Months of good faith effort on my part to get a just settlement. as an example of what I expect, my last Modification achieved for Friends of mine in NY resulted in the primary Mortgage being negotiated as a 27 year Mortgage at 2 % the XXXX 5 years, 2.5 % in year XXXX, and 3 % for the duration, with a lump sum payment after 27 years of the arrearage of non payments during the negotiations. the XXXX Mortgage was forgiven under XXXX after my Friends complied with the primary Modification for 3 months. I believe my Friends are entitled to similar relief, and ask for your help.