Consumer complaint received 2016-01-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (PA)

* ( Please see the complete description letter uploaded ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX or XXXX XXXXXXXXXXXX or XXXXXXXXXXXX XXXX XXXX, 2015 Consumer Financial Protection Bureau XXXX, Iowa XXXX C/o XXXX XXXX XXXX Loan # XXXX Bankruptcy # XXXX To the interested parties : JP Morgan Chase Bank , in the specific case that is referring of & referring to XXXX XXXX ; have knowingly and willfully committed significant procedural errors in the real-estate acquisition process, to such an extent that the aforementioned JP Morgan Chase Bank , due to their fraud, greed, and negligence have violated numerous principals in the federally regulated field of lending for the purpose of acquiring housing. I am responding to the disputed facts and moral controversies of the latest submission by JP Morgan Chase Bank, letter dated XXXX XXXX, 2015. On XXXX XXXX, 2015, XXXX XXXX received a very disturbing phone call at XXXX at night from JP Morgan Chase representative XXXX XXXX XXXX XXXX the Executive Office, which XXXX XXXX found to be very odd and morally bankrupt. With a psychologically harassing and verbally threatening tone XXXX XXXX XXXX stated that XXXX XXXX found no issues in their processes and the aforementioned JP Morgan Chase Bank would not accept our " offer in compromise ''. XXXX XXXX XXXX from the Executive Office proceeded to delve into numerous interrogatories by questioning XXXX XXXX ethical conduct and moral sensibilities. XXXX XXXX XXXX in one of her inquiries remarked, " Who told you to fill out a new loan modification application? '' XXXX XXXX XXXX claimed to be unaware of procedural request made by prior representatives of JP Morgan Chase Bank. 
This is XXXX XXXX, empirical data, that the major ontological principal, at work is that JP Morgan Chase Bank knowingly and willfully committed significant procedural errors in the real-estate acquisition process, to such an extent that the aforementioned JP Morgan Chase Bank, due to their fraud, greed, and negligence has violated numerous principals in the federally regulated field of lending for the purpose of acquiring housing. XXXX XXXX XXXX claimed that she did n't realize that a new loan modification application had been completed. 


XXXX XXXX gave evidence in that particular instance and in prior, that JP Morgan Chase Bank, of which XXXX XXXX XXXX own Executive Office representative, XXXX XXXX XXXX and several others of XXXX XXXX XXXX associates had on several occasions instructed XXXX XXXX to file a new loan modification. They not only told XXXX XXXX to file a new loan modification but they also went as far as sending XXXX XXXX the loan modification application forms and were monitoring the process of the loan which XXXX XXXX sent on XXXX XXXX, 2015 and confirmed received by JP Morgan Chase on XXXX XXXX, 2015. The loan modification was confirmed and received by JP Morgan Chase, and it has been 2 1/2 months and we still have not received any correspondence concerning the status of our application. Dual tracking laws state that we are required to receive a response via writing. This is again creating another dual tracking situation. This shows continued lack of communication within JP Morgan Chase Executive staff and administration that has caused the problems in the very beginning. 

It is again, very disturbing and very evident that our questions and concerns about their protocols, tactics, and business ethics concerning our loan modification continue to be diverted and go unanswered. The responses lack specificity and there is no clear narrative as to what person, what office or what entity committed such actions. There h