Consumer complaint received 2016-03-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

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 XXXX 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 JPMorgan Chase Bank National Association has again failed to obey basic banking and mortgage regulations on far too numerous occasions to mention. However, we are merely enumerating one more such instance 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. 

JPMorgan Chase Bank National Association is the primary factor that has caused our family to engage in the filing of bankruptcy protection, from the unsafe business practices of such an irresponsible fiduciary institution. The level of overall contempt for governance and rule of law includes " Dual Tracking '', illegal foreclosure, illegal transfer of Deed, and mortgage fraud. JPMorgan Chase Bank National Association has failed to provide original documents to give proof of ownership our property to our attorney of record. JPMorgan Chase Bank National Association does not now, nor have they ever, had ownership of our property. We have submitted ; as have many families, definitive proof in the form of documents and letters that substantiate that we are victims of " Dual Tracking '' and mortgage fraud by JPMorgan Chase Bank National Association intentionally misleading us through the loan modification process. 

Summary timeline : We originally fell behind on our mortgage payments due to financial debt created by the rising cost of health care. Like many families complications with health issues lead to loss of full time employment. We were told that our home could go into foreclosure and JPMorgan Chase Bank National Association in turn requested that we apply for loan modification, which we responded to immediately. We also requested to utilize other options that were being offered nationally to US citizens through the Obama administration. We were told on several occasions that we must go through JPMorgan Chase Bank National Association " Loan Modification '' process first and if we were denied then we could qualify for other national programs, and that JPMorgan Chase Bank National Association would have the final say to determine the right program. We complied and submitted all documentation to XXXX XXXX XXXX, our representative at JPMorgan Chase Bank National Association. Our last official written correspondence was XXXX XXXX, XXXX. We received the letter enclosed that stated that all documents have been received for the loan modification and that JPMorgan Chase Bank National Association would give us a " RESPONSE IN A TIMELY MANNER ''. At this point our understanding was that we had completed the documentation and application process and were waiting on JPMorgan Chase Bank National Association response. We called several times to get status of the submitted documents because we kept receiving letters of foreclosure from the City of XXXX. Every time we called the JPMorgan Chase Bank National Association Representative XXXX XXXX XXXX told us to " WAIT FOR a FORMAL RESPONSE and DO NOT CALL. '' XXXX XXXX indicated that ; we were being pre-approved for credit and the foreclosure would be halted & nothing further was required for us to do. 

That was our last verbal response from XXXX XXXX XXXX. From XXXX XXXX, XXXX we did not receive any communication nor a formal letter of approval nor disapproval of credit and new terms on the loan modification process. It was not until XXXX XXXX, XXXX