Consumer complaint received 2017-07-26
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer Financial Protection Bureau Consumer Financial Protection Bureau   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  .
 XXXX , IA  XXXX   XXXX , D.C.  XXXX    XXXX     XXXX  Consumer Financial Protection Bureau Chase   XXXX   XXXX   XXXX   XXXX  . c/o   XXXX   XXXX     XXXX   XXXX  , D.C.  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   NY [   XXXX   ] JPMorgan Chase Bank NA 1 Chase Manhattan   XXXX   XXXX   XXXX     XXXX   XXXX   NY [  XXXX  ] EIN  XXXX  (  XXXX  )   XXXX   Account #  XXXX / XXXX  Alleged Balance $ {$460000.00} up to {$500000.00} NOTICE : Filing on behalf of   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX  , WaMu, JPMC illegally used my identity to create a Mortgage and said Instrument.
The banks have hindered me from renting selling my property and have disrupted my quality of life for the past 7-10 years.
The substantiated evidence and facts therein has been given to Chase aka the alleged owner and investor of said loan on multiple occasions. Chase stated to me for years that they are the owner of such a loan. I did not give none of the banks involved permission to use my Social Security nor my identity to obtain such a loan.
I do not have a credit history with   XXXX   XXXX   XXXX  WaMu  nor with JPMorgan Chase as well mention.
I have communicated with multiple agencies to investigate this alleged mortgage and find that they credit agencies have removed this alleged loan from my history in full.
Several Years ago I and my husband have filled this same complaint with the CFPB and no results so far this is why I and my husband are requesting that this be placed in the hands of the US Attorney General for legal due process.
A Securitization and Bloom Berg Report has been produced within the past two years and has shown multiple issues therein.
 XX/XX/XXXX  JPMorgan Chase Bank employee   XXXX   XXXX   XXXX   placed a Corporate Mortgage lien on my property which is 10 years later that the alleged acquisition they the banks alleged to have taken place on  XX/XX/XXXX  another date given by banks is  XX/XX/XXXX  and again  XX/XX/XXXX .
 XX/XX/XXXX  I and my husband filed a lawsuit against THE CEO   XXXX   XXXX   XXXX   and it was later dismissed  XX/XX/XXXX  for lack of personal jurisdiction therefore without the Bank providing any proof or legal connection to my property I and my husband are preparing to file within the proper jurisdiction against said person in the near future if this is not resolved within the next 15- 30 days.
CHASE LATEST RESPONSES As of XX/XX/XXXX , JPMorgan Chase mailed a letter requesting permission to release private information they should not be privy too nor where given permission to have to release this information to third party agencies. How can we allow this bank JPMorgan Chase to release such personal and private information that was never given to them by   XXXX   XXXX   XXXX   and husband   XXXX   XXXX   XXXX  .
RESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap.
Release Mortgage Lien on my private and personal name and property with the next 30 days.
A lawsuit Claim shall be filed thereafter this dispute has not been satisfied in the eyes of private citizens   XXXX   XXXX   XXXX   and husband   XXXX   XXXX   XXXX  .
Transfer Documents and claim complaint to US DOJ for permission to file federal law suit.
request from the FDIC for insured banking instrument information concerning loan.
IDENTITY THEFT Due to the fact that identity theft is tied to payoff and investments made on the behalf of my husband   XXXX   XXXX   XXXX    with Bear Stearns Co the complaint shall be in four parts with each position of each bank involved with full reports therein. That of 1. JPMorgan Chase Bank NA, 2.WaMu aka Washington Mutual Bank now acquired allegedly by JPMorgan Chase in  XX/XX/XXXX , 3.   XXXX   XXXX   XXXX  , d.b.a   XXXX   XXXX   XXXX  , now acquired allegedly by JPMorgan Chase Bank as of  XX/XX/XXXX  -  XX/XX/XXXX , 4.  XX/XX/XXXX allegedly acquired by JPMorgan Chase Bank  XX/XX/XXXX , for the missing CUSIP and Investments by said investor   XXXX   XXXX   XXXX   for   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .
HISTORY OF DISPUTE WITH BANKS On  XX/XX/XXXX  I purchased may home located at   XXXX   XXXX   XXXX     XXXX   XXXX   CA  XXXX . jam the original owner and the first owner of my home and private property.
On  XX/XX/XXXX  my home was paid in full Cc letter from  EMC mortgage pay off dept. This loan was not reassigned not was there a new servicer nor any other banking details just PAID IN FULL PAID OFF. This came about when my husband had secured a multimillion dollar investment deal with   XXXX   XXXX   XXXX   The amount owed to him as of  XX/XX/XXXX  was {>= $1,000,000} USDA for this was an investment BOND for {>= $1,000,000} that was for his clothing company   XXXX   XXXX   XXXX  .
 XX/XX/XXXX    XXXX   XXXX   attempted to trick us into a refinance for {$510000.00} once the good faith estimate was done the deal began to change to a basic refinance to a arm balloon deal and the offer for {$510000.00} was changed to {$460000.00} by   XXXX   XXXX   XXXX  .
Thereafter we decided not to do a refinance and just keep the loan we had  with EMC Mortgage T X. So on XX/XX/XXXX  I and my husband signed the right to cancel document only and placed a copy in the mail as well faxed and delivered a copy of the RTC or rescission documents stating that we had 72 hours to cancel and we did within 24 hours.
  XXXX   XXXX   of   XXXX   XXXX   XXXX   d.b.a   XXXX   XXXX   XXXX   sent confirmation letter that the right to cancel was excepted on  XX/XX/XXXX , as well that there was not hard hits on our credit reports. For at the time i and my husband was very concerned because we where rebuilding our credit scores which fell below   XXXX    ratings. We received the letter on thereafter  XX/XX/XXXX  with this date and it was mailed USPS metered mail with tracking and we kept both the letter and the envelope.
I continued paying EMC mortgage until  XX/XX/XXXX  received the payoff notice paid in full. As of  XXXX   XX/XX/XXXX  to XX/XX/XXXX WaMu began calling and harassing my family friends in other states and as well my neighbors stating that we did n't pay our bills and a list of other lies which did and was embarrassing at the time. WaMu claimed that they where the owner of the note or mortgage rather they never placed a mortgage assignment on the property, nor was there any written notice that they acquired servicing rights or note! they also claimed that they the investor was WMMCO located in North Carolina but we spoke with and received a letter via email that this was a fraud discovered by the FTC in  XX/XX/XXXX / XX/XX/XXXX . They later then changed the alleged Investor information to a WMBAS  XX/XX/XXXX .
JPMC [ JpMorgan ] Chase also began stating that they owned the mortgage note and stated on three occasions that they acquired it from WaMu as of  XX/XX/XXXX . The first time they stated this they claimed they acquired it  XX/XX/XXXX  Then another statement or letter claimed they JPMC acquired the note on XX/XX/XXXX  and another claim for acquisition by JPMC was for  XX/XX/XXXX  sent to me on  XX/XX/XXXX . Three different dates which are false.
We my husband and i noticed that there where some fraudulent issues being reported, JPMC claimed that i was paying them through EMC mortgage as of  XX/XX/XXXX . This is impossible because I was sending my payments to EMC mortgage Co located in Texas. No relations to JPMC until EMC was acquired as of  XX/XX/XXXX  by JPMC.
My husband received notice that a lien was placed upon his name and the house that was not in his name but my name as of  XX/XX/XXXX  for a JPMC credit card whom JPMC removed the lien XX/XX/XXXX . Very strange.
 XX/XX/XXXX    XXXX   XXXX   XXXX   former employee of   XXXX   XXXX   XXXX    WaMu and now currently employed by JPMC place a Mortgage Assignment on my property without notice as well on XX/XX/XXXX  I was at the local  XX/XX/XXXX  County Registrar office to record a document but never saw the Mortgage Assignment as I learned that upon doing a securitization analysis and a   XXXX    report. There are also over 10 banks breaking chain of title and more please see the   XXXX   report and the securitization analysis.
 XX/XX/XXXX  myself and my husband filed a claim against   XXXX   XXXX   XXXX   '' CEO and Chair of JPMC for fraud forgery identity theft and included was the missing USDA Bond fo  XXXX   XXXX   XXXX   XXXX   in the amount of $   XXXX   XXXX   XXXX   XXXX   USDA.
The case was later dismissed for lack of personal jurisdiction.
All this information concerning my home i.e. mortgage assignment is false we are requesting permission to file a law suite against JPMC WaMu and other banks involved. Please provide us such passage to do so. For they are claiming that we owe them JPMC {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. JPMorgan Chase Co Bank NA and such the like of a mortgage company has yet to provide any proof of this alleged mortgage assignment nor of any real living agreement or transfer of funds for said loan. No invoice or bank check for proof of funding just a forged note.
STEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by   XXXX   XXXX   XXXX   and husband   XXXX   XXXX   XXXX   with payoff and discharged options. This information was sent to the CEO Chairman/ CFO and their payoff departments as well their legal representative   XXXX   XXXX   whom writes a blog for the CFPB. Rather ignored by all parties [ the banks ] involved. Attached are all documents provided by the   XXXX    or   XXXX   XXXX   XXXX   and husband   XXXX   XXXX   XXXX   as discharged charge off and payoff information that is deemed legal, without recourse.

Company response to consumer: Closed with explanation