Consumer complaint received 2017-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CT)

JP Morgan Chase  continues to act in bad faith as it relates to intentional evasion of factual material that I have submitted to their CEO,  XXXX   XXXX  and other representatives  of Chase. This is a matter of public record in documents sent and also in corroborating statements made to Chase Representatives and the CFPB. All n ecessary actions mirror that of the recent   XXXX   XXXX   XXXX   XXXX   Fraud Case recentl y settled in court.    1. This California couple and I had the same problems : For over two years of filing, faxing from JPMorgan Chases bank nothing would ever reach the bank in its entirety. Always a page or two missing. THIS WENT ON FOR TWO YEARS!!! Battle-fatigued demoralization is truly an understatement.    a.  XXXX   XXXX   XXXX  of the  U.S. Bankruptcy Court in    XXXX  said the bank 's mortgage modification process and mistaken foreclosure on  XXXX  and  XXXX   XXXX  's home left them in " a state of battle-fatigued demoralization . '' 2. All I did was tried to lower my interest rate in a down economy since the Government had provided funds to the banks to help consumer lower their c osts or help out those in need. Challenging Experience think of sleepless nights and lots of tears.  XXXX  and  XXXX  another understatement as I went through o ver 24 repres entatives fro m JP Morgan Chase : and everyone had the same mantra Who told you your home was in foreclosure? Who told you how much to pay? Your file is empty, we have nothing. Send the papers again. For Two Long Years this went on!! More filings than I could ever imagine, more charges piled u p by a corrupt system, more mails ( sent by regular post ) of possible new mortgage rates almost everyone had different pricing. Never a contract! ALL VERBAL!   b.   XXXX   XXXX   XXXX   XXXX  spokesman  XXXX   XXXX  said Tuesday that the couple 's troubles began before new loan processes were established and called some of  XXXX   XXXX  's findings " unprecedented and unsupported. '' He declined to say whether the bank will appeal. " Regrettably, the customers had a challenging experience, '' he said of the Sundquists. A bankruptcy judge issued a {$45.00}  XXXX  fine against   XXXX   XXXX    XXXX   XXXX , calling the bank 's treatment of a California couple who fought to save their home " brazen '' and " heartless.  '' 3. In the case of JP Morgan Chase they created in-house incentives to their employees in the mortgage division, for every  home you foreclose on you get a commission. Think of putting  XXXX  in charge of th e Blood Bank. Cor porate culture : no restraint, free money and a bastion of legal help to crush any dissenting voice. Confirmed by their own employee.   C. '' It is apparent that the engine of   XXXX   XXXX   XXXX   's problem in this case   is one of corporate culture ... not rogue employees betraying an upstanding employer, '' he added.
4. I lived this scenario for over two years. Twentyfour+ Representatives was assigned to me to help. I kept the names   of everyone and recently submitted them as evidence. Response from the bank : We have no records that there was any call to the bank. This statement alone call  s for JP Morgan Chase to be tried by a jury of our peers, and this is a day I look forward to. A very dishonest, lying, idiotic statement coming from a member of their legal department. Chase continues to operate in bad faith.
d. modification requests " routinely either lost or declared insufficient, or incomplete or stale or in need of resubmission or denied without comprehensible e   In   XXXX  ,   XXXX   XXXX   XXXX   XXXX  and other top mortgage servicers promised to provide {$17.00}  XXXX  worth of breaks to homeowners to settle accusations of sloppy foreclosure and mortgage practices.    5. As far as I am concerned, JP Morgan  is again embarking on another stonewalling campaign.   e. " It 's appalling, '' said   XXXX    XXXX ,  executive director  of the nonprofit  XXXX   XXXX   XXXX   XXXX   XXXX . " You would think after all this time and all the fines that have been paid already that  [ mortgage compan ies ] might actually try to get it right. '' " What we 're seeing here is courts questioning how sophisticated businesses, all of which have computers, ca n't manage to keep track of basic facts, '' said  XXXX   XXXX , a law professor at the   XXXX   XXXX   XXXX   XXXX   XXXX .