Consumer complaint received 2017-08-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
NOTICE - MOST IMPORTANT - XXXX XXXX Trustee has contradicted the fact that JPMorgan Chase Bank claims of being the investor and or having such investing information from XXXX XXXX XXXX d.b.a XXXX XXXX XXXX whom where forced out of business XX/XX/XXXX - XX/XX/XXXX by the California Corporations Commissioner. More over how was our personal identity stolen from banks involved? XXXX XXXX XXXX and XXXX XXXX former employees of XXXX XXXX XXXX XXXX XXXX is alleged to be formerly of XXXX XXXX XXXX XXXX IL.Both are employees currently with JPMorgan Chase Bank USA NA and Co. When we spoke with XXXX XXXX concerning their position within this mortgage assignment fraud, fraud no contract, fraud inclusion, and fraud in the concealment, they XXXX XXXX representative stated that they are only the TRUST of the Trust and JPMorgan Chase Bank the SERVICER of alleged mortgage assignment has the information of the alleged investor XXXX or XXXXXX/XX/XXXXHE which of the two are relevant seems to be the case here! See attachments.
Attempts to seek a resolution with SERVICER JPMorgan Chase Bank whom fraudulently claims there is a Mortgage and a alleged investor without proof has been going on since XX/XX/XXXX, well after the Payoff of EMC has taken placeXX/XX/XXXX As well XX/XX/XXXXa payment in form of MONEY ORDER shall be submitted to JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Beneficiary  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA [ XXXX ] XXXX to make a final attempt to settle this debt. If the Fraudulent Mortgage Assignment is not removed we shall pursue legal action within the proper jurisdictions agains all banks involved and personnel.
XX/XX/XXXX 1 BOND XXXX Notice the Hall Release Mortgage Assignment is title RELEASE from XXXX whom was paid by JPMorgan Chase and or XXXX XXXX XXXX to file this fraudulent document dated XX/XX/XXXX recordedXX/XX/XXXX with the LA County Registrar. This is a fraudulent document due to its nature and lack of information therein. There is no dollar amount owed, there is no date to which the third party debt collector JPMorgan Chase acquired loan, its titled RELEASE!
t is believed that this loan was created inXX/XX/XXXXthereafter XXXX XXXX XXXX  obtained investments within the XXXX XXXX XXXX XXXX XXXX Which is now or have been acquired by JPMorgan Chase NA as of the yearXX/XX/XXXX The Documents where prepared by XXXX XXXX XXXX of JPMorgan Chase Co NA she is also the alleged Secretary for XXXX? As well the Beneficiary and Nominee for XXXX XXXX/ WaMu address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX phone number XXXX XXXX she prepared this fraudulent document on XX/XX/XXXX and had paid XXXX  XXXX XXXX XXXX XXXX to record it with XXXX XXXX County Recorder Registrar onXX/XX/XXXX. Ten ( 10 ) years after the alleged acquisition of WaMu/JPMorgan Chase Bank well after again 10-12 years after XXXX XXXX was no longer in business within said county of XXXX XXXX and the State, Of California. This document was not mailed to the halls property thereafter the recording of this fraudulent document nor was it on record as of XX/XX/XXXX when both XXXX XXXX XXXX and XXXX XXXX XXXX visited the XXXX XXXX XXXX County Registrar office. This was the first time the XXXX made an appearance to do a property title search since owning and living on and in their home property of XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX. Now was any permission given for anyone to record such documents on the halls behalf during such time.
It is also stated that XXXX XXXX XXXX alleges that XXXX XXXX XXXX and XXXX XXXX XXXX recorded alleged said deed of trust on XX/XX/XXXX. This is completely false. Further more as stated on 99 % of mortgage assignments there is an amount owed to the assignee rather on the alleged assignment there is no amount recorded. I believe its is due to no amount recorded therein there is no amount owed.
Since this alleged loan was created, to avoid and hide the investment funds XXXX XXXX was CUSIP Number CUSIP # XXXX worth $ XXXXMillion maturity dateXX/XX/XXXX, originated XX/XX/XXXX. The final maturity date for this investment is XX/XX/XXXX. Therefore XXXX XXXX XXXX [ XXXX XXXX ] owner and CEO of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the only recipient of said funds. Therefore the issue at hand is the alleged mortgage loan created documents, DEED Title instrument used to create illusion of the actual funds of CUSIP NUMBER CUSIP # XXXX. This is the issue at hand.
More over we have emails from JPMorgan Chase that indicates other forgeries that of family members and former friends or associates. The documents are doctored up some are newly created and are nothing but a false representation of banking should be to and for the people.
The fraudulent mortgage assignment was created 10 years after JPMorgan Chase Bank alleges to have acquired the note from XXXX XXXX XXXX dba XXXX XXXX XXXX thereafter alleged acquisition by WaMu. JPMorgan also contradicts itself by stating that they acquired the loan from WaMu XX/XX/XXXXa letter sent XX/XX/XXXX, and again inXX/XX/XXXXin form of another letter this year XX/XX/XXXX.
2 BOND XXXX Bill Of Exchange Act 34 of 1964 [ Assented to XX/XX/XXXX1964 ] [ Date Of Commencement : XX/XX/XXXX 1964 ] ( XXXX text signed by the State President ) as amended by Suretyship Amendment Act 57 of 1971 Bills of Exchange Amendment Act 58 of 1977 Finance Act 77 of 1986 Bills of Exchange Amendment Act 56 of 2000 Act. To consolidate and amend the law relating to bills of exchange, cheques and promissory notes.
Attn. XXXX XXXX XXXX homeowner liaison XXXX XXXX XXXX and XXXX XXXX XXXX Nominee Secretary Beneficiary XXXX etc, .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Corporate number - XXXX DissolvedXX/XX/XXXX, please advise how is it possible to file a corporate title lien when this corporation was dissolved as of XX/XX/XXXX and agains in Michigan via Delaware as of XX/XX/XXXX? XXXX XXXX XXXXXX/XX/XXXX company type is XXXX XXXX. Company Number assigned to this business is XXXX and state of formation is DE. This company business address is XXXX XXXX XXXX XXXX XXXX XXXX De XXXX. Mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX You can find this business by geo coordinates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are no public or private records of any agents or officers of this alleged corporation and its dealings at this time.
XXXX XXXX XXXX was incorporated on Monday XX/XX/XXXX, so this company age is twelve years, two months and twenty-eight days. Current company status of this company is Forfeited. XXXX XXXX XXXX agent is XXXX XXXX XXXX XXXX XXXX Of Md.. According to Maryland business register this business is not in good standing.
Definitions 46. Notice of dishonor and effect of falter to five such notice subject to the provisions of this Act, if a bill has been dishonored by non-acceptance or by nonpayment, notice of dishonor must be given to the drawer and each endures, and any drawer of endorser to whom such notice is not given is discharged : Provided that ( a ) if a bill is dishonored by a non-acceptance, and notice of dishonor is not given, the right of the holder in due course who became such a holder subsequent to the omission, shall not be prejudiced by the omission ; ( b ) if a bill is dishonored by a non - acceptance, and due notice of dishonor is given, it shall not be necessary to give notice of a subsequent dishonor by nonpayment, unless the bill was accepted in the meantime.
1. Proof of the existence of an account of the actual establishment of debt account but the actual Sentient human XXXX XXXX XXXX duly signed and written out by both parties and not any unilateral agreement. This would include but not limited to the actual agreement upon which the signature page has direct reference to the entire agreement XXXX XXXX XXXX is an artificial entity, a title, of the limited liability fictitious corporation which is legal trade mark, which constitutes valuable legal interest of which all right, title and interest are reserved and of which you have filed to knotty the Caretaker and acceptance agent and supply proof of claim against the limited liability corporation.
2. Proof of claim that You XXXX XXXX or Department Of Education are the original holder in due course, of the aforementioned original debt instrument, and that it is not being un-sold to another party.
3. A copy of the actual accounting, original ledger whereby XXXX XXXX/ Department of Education has incurred a loss as a result of the alleged debt.
4. An invoice ( not a Statement ), for any amount of money allegedly owed to XXXX XXXX or Department of Education XXXX XXXX XXXX for that matter has alleged.
3 BOND XXXX 5. Proof of claim that there is any money in circulation is backed by anything of value, by which any debt including this one that lends to the possibility XXXX XXXX or Department of Education might get paid by way of actual money, and that the value of the attached is not sufficient to the discharge this debt under the following laws ; Fair debt collection practices act ( FDCPA ), 15 U.S.C 1692 et., 1978 Title VII of the Consumer Credit Protection Act of 1978.
The Indentured Trust Act of 1939 HJR 192, 112 Statutes at large 48, and P.L., 73.10 of 1933 The securities exchange act of 1934 The fair credit reporting act public law No. 91-508 enacted in 1970 The Bankruptcy act of 1933 12 U.S.C. 411, P.L. 97-280 U.C.C. 1-103, 1-308, 2-221, 2-104, 3-415-419, 3-500-510 The aforementioned was done at the will of The administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All patients shall be presented to the Estate via prepaid debit card and or cashiers check only! If any attempt is made to provide payment in any other fashion and or form we must express that is must comply with title 12 U.S.C. 411, and 112 statute at large chapter 48.
6. Also provide these furt
her items if associated with this matter in any fashion and or form ... A. Federal Reserve form S3
registration statement, B. Federal Reserve form 424 ( b ) ( 5 ) prospectus, C. Federal Reserve for FR 2046 balance sheet ( s ), D. Federal Reserve for FR 2049 balance sheet ( s ), E. Federal Reserve form 2099 balance sheet ( s ), F. The Deed Of Trust.
G. Chain Of Custody This is al lawful request in accords with the aforementioned and the following : U.C.C. - Article 3 - Negotiable Instruments.. Part 5. Dishonor UCC 3-501. Presentment.
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
U.C.C. - Article 3 - Negotiable Instruments .. Part 5. Dishonor 3-501. Presentment.
A.
B.
Presentment means a demeaned made by or on behalf of a person entitled to enforce an instrument ( i ) to pay the instrument made to the drawee or a party obligated to pay the instrument or, in the case of a note or accepted draft payable at a bank, to the bank =, or ( ii ) to accept a draft made to the drawee.
The following rules are subject to Article 4, agreement of the parties, and clearing - house rules and such the like : ( 2 ) Upon demand of the persons to whom presentment is made, the person making presentment must ( i ) exhibit the instrument, ( ii ) give reasonable identification and, if presentment is made on behalf of another person, reasonable evidence of authority to do so, and ( iii ) signed a receipt on the instrument for any payment made or surrenderer the instrument in full payment is made.
By refusing to supply you will be violating the law and my rights under UCC. Once Again this is not a request for a verification or proof of my mailing address, but a request for a VALIDATION made 4 BOND XXXX pursuant to the above named Title and Section ( as well as another laws both federal and local ). It is respectfully requested that your offices provide competent evidence that there is any legal obligation to pay in accords with the aforementioned laws.
Please provide and or furnish the following : What money your say owed is ; Explain and show how your offices calculated what allegedly is owed ; Provide a certified copy of the original signed instrument that shows agreement to pay what is owed ; Provide a verification or certification copt of any judgement of applicable ; Identify the original creditor in this matter and the contractual agreement emptying your company.
Proof that the statute of limitation has not expired on this account Show that your licensed to collect in the state of California Provide verification of your license number EIN and registration agent.
It comes of necessity and obligation to inform you that if your offices have reported information to any of the credit agencies such action will be construed as fraud under both Federal and State Laws. Further if any negative marks are found on any portion of the credit files associated with this matter by your company or the company that you represent it will come necessary to bring legal action against you for the following : Violation of the Fair Debt Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character and may include any of the following means ; administrative reviews, SEC Hearing, Lien and or Law suit.
If you and your offices are able to provide the proper documentation ( originals wet signatures and or certified copies of verified documents with signatures and a copy of check payments etc, .. and such the like of all verified documents ) as requested in the forgoing Declaration, it will revive a prompt response, however at least 45 days will be needed to investigate and review the validity of the information prove and during such time all collection activity is requested cease and desist in good faith.
Further during this validation period, should any action be undertaken which could be construed as detrimental to any portion of the credit files related hereto, it will constitute a breach and will result in consultation with legal counsel and action thereafter. This includes any listing of any information to any credit reporting repository that could be inaccurate or invalid or verifying an account as accurate when in the there is no certified valid proof that is it so.
It is further requested, and you are now given notice that any alleged or old contract ( s ) adhesion and or otherwise are hereby terminated with your company. That n communication via telephonic, email or the correspondence, written correspondence, and or electronic as such shall be had between your company XXXX XXXX US Dept Of Education and a client, you are hereby commanded and ordered to cease and desist. Your or your company must communicate via written correspondence only to the following address under the following name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ]  BOND XXXX The aforementioned was done at the will of the administrator, no further solicitation for contracting will be permitted. This correspondence is produced under the full reservation of any and all secured rights, and without recourse. All payments shall be presented to the Estate via prepaid debit card and or money order cashiers check only if an attempt is made to provide payment in any other fashion and or form we must express that it must comply with title 12 USC 411, and 112 statue at age chapter 48.
REF : Your correspondence purporting to allege a debt claimed by : XXXX XXXX XXXX d.b.a XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] EIN?
BOND Loan Number XXXX Alleged Balance {$460000.00} Attn. XXXX XXXX XXXX Nominee Secretary Beneficiary XXXX XXXX, ..
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Corporate number - XXXX DissolvedXX/XX/XXXXJPMorgan Chase Bank & Co NA attn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] XXXX XXXX XXXX XXXX Attn. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL [ XXXX ] [ XXXX ] XXXX XXXX XXXX The legal offer to fully Discharge the attached alleged claim of debt on the condition that the claiming parties comply with this notice within 10 days of receipt of this correspondence such has not happened.
NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.
This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.
This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : The name and address of the organization or other governmental unit alleging a debt ; 6 BOND XXXX The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; A copy of a alleged promissory note that has been forged is not verification. Both signatures from both sides are a true verification of a debt.
The name of the actual creditor even if that is myself ; The origin of the funds used to create this alleged claim of a debt.
The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
Be advised that verification is defined ( XXXX Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
The person that prepares and swears to the validation of debt must describe : ( 1 ) your job description on a daily basis ; ( 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; ( 3 ) how long have you been in your position ; ( 4 ) when did you first come in contact with the alleged account/debt ; ( 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; ( 6 ) are you the person/employee who regularly works with the alleged account/debt ; and ( 7 ) do you have personal knowledge about the alleged debt and/ or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements 7 BOND XXXX of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 10 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work.
You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws.
Your enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : Debt Collector waives any and all claims against Respondent and Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to 8 BOND XXXX direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
As requested for payment ( s ) be in the form of a money order, in keeping with the governing regulations, laws, and loan agreements, this form of payment is expectable that which in the regarding format within laws and states regulate, as mentioned in the letter XX/XX/XXXX by or from XXXX XXXX Manager - Customer Care Communications, XXXX XXXX XXXX XXXX XXXX XXXX.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX
Done this XX/XX/XXXX I declare under penalties of perjury in accordance with the laws of the United States of America ( without the United States ) Title 28 U.S.C. 1746 ( 1 ) the forgoing is true and correct and is admitted when not rebutted, so help me.
XXXX XXXX XXXX ChaseXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX-XXXX

Company response to consumer: Closed with explanation