Consumer complaint received 2021-08-26
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Today I Received both my CFPB complaint responses from this agency and both my complaints XXXX and XXXX have duplicate responses neither addressing the issues both different issues re same account. I am being denied RESPA requested documents and the other one is ignoring a law suit mentioning the non validity of the assignment to this account. I am being denied appropriate applicable answers to my complaints here with a same duplicate answer. see both here///////// COMPLAINT ending in XXXX response Your HELOC was originated with Washington Mutual ( WaMu ) Bank, FA on XX/XX/XXXX. Chase acquired certain assets of WaMu, including your account, and we are servicing the account based on the terms and agreements established at the time the HELOC closed. Your request for all records and transactions on this account since the origination date is vague, ambiguous and overbroad. Nonetheless, we have enclosed copies of the following documents for your reference : Home Equity Line of Credit Agreement and Disclosure Mortgage Deed Truth-In-Lending Disclosure Assignment of Mortgage Borrowers Affidavit Notice of Right to Cancel Payment Reconciliation These documents demonstrate that you have entered into a valid and legally binding credit obligation. It is our position that we addressed your correspondence in a manner that complies with the Real Estate Settlement Procedures Act and Regulation X. We are not required to produce the original documents, which will remain in our possession in accordance with applicable record retention requirements. We confirmed that we are accurately reporting your HELOC to the credit reporting agencies. Under the Fair Credit Reporting Act, we are required to ensure that our credit reporting is accurate. We can not change accurate credit reporting. This HELOC is closed to draws and is now in the repayment phase. The HELOC is currently due for the XX/XX/XXXX payment and all subsequent payments. 
ATTACHMENTS XXXX, XXXX Final Letter XXXX ( XXXX MB ) Feedback requested STATUS Feedback requested on XX/XX/XXXX FEEDBACK DUE XX/XX/XXXX and ' '' ' -- -- -- -- -- -- -- -- -- -- complaint ending in XXXX Your HELOC was originated with Washington Mutual ( WaMu ) Bank, FA on XX/XX/XXXX. Chase acquired certain assets of WaMu, including your account, and we are servicing the account based on the terms and agreements established at the time the HELOC closed. Your request for all records and transactions on this account since the origination date is vague, ambiguous and overbroad. Nonetheless, we have enclosed copies of the following documents for your reference : Home Equity Line of Credit Agreement and Disclosure Mortgage Deed Truth-In-Lending Disclosure Assignment of Mortgage Borrowers Affidavit Notice of Right to Cancel Payment Reconciliation These documents demonstrate that you have entered into a valid and legally binding credit obligation. It is our position that we addressed your correspondence in a manner that complies with the Real Estate Settlement Procedures Act and Regulation X. We are not required to produce the original documents, which will remain in our possession in accordance with applicable record retention requirements. We confirmed that we are accurately reporting your HELOC to the credit reporting agencies. Under the Fair Credit Reporting Act, we are required to ensure that our credit reporting is accurate. We can not change accurate credit reporting. This HELOC is closed to draws and is now in the repayment phase. The HELOC is currently due for the XX/XX/XXXX payment and all subsequent payments. 
ATTACHMENTS XXXX, XXXX Final Letter XXXX.pdf ( 1.2 MB ) Feedback requested STATUS Feedback requested on XX/XX/XXXX FEEDBACK DUE XX/XX/XXXX

Company response to consumer: Closed with explanation