Consumer complaint received 2017-02-22
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of XXXX I defaulted on my loan, jpmorgan chase appointed XXXX XXXX XXXX XXXX to foreclose, then XXXX is grantor with notice to grantee-Me on XX/XX/XXXX, sale completed XXXX XXXX XXXX. the mortgage loan had been sold to XXXX master particpation trust XXXX XXXX with jpmorgan chase listed as servicer, later assigned to XXXX in XXXX. county auditor records indicate no reconveyance or assignments after XX/XX/XXXX. Between XXXX, XXXX and chase all sending notices, letters of all types, late payment amounts to be paid, loan being sold, several postponements of the sale, refusal to provide answers etc I was completely confused as to who I was directly responsible to and again questioned if there was a legitimate note. XXXX is listed as the last lender and loan originator on foreclosure documents which confused me as I had refinanced with chase in XXXX which is not mentioned and then a HAMP loan mod in XXXX there are no documented reconveyances indicating either occured after that XXXX refi. I previously had an XXXX loan that I suspect when refinancing with that co. in XXXX had not paid off my loans as indicated which included a Heloc [ XXXX ]. the refi had an adjustable rate rider, and an adjustable rate note, however it appears the adjustable rate note is not included XXXX XXXX recording docs and only included in the many notices I received. after reviewing my loan documents I found evidence of robosigning, the documents being altered after signing, papers that indicated the both first and heloc were to be completely paid off and rolled into one which was my goal, that is to get rid of the heloc completely, a very exagerated original loan amount to name just a few. after they folded in XXXX my loan was assumed by XXXX. eventually the payments became to high. thus the refi with chase bank. The XXXX with I believe Chase home finance with the assistance of a XXXX XXXX XXXX. It appears that the heloc does not exist on these loan documents indicating to me it had been taken care of in XXXX. The loan amount originated with them is around XXXX. The change in interest rate and payment amount in the documents are reflected in mortgage payment statements and payments made by myself. It indicates it is a XXXX XXXX pool, A liability to chase manhatten bank for XXXX and other areas of false documentation. In XXXX I defaulted due to loss of job, I applied for the home affordable, after 6 months of getting the run around I was denied. I struggled along making partial payments, lump sum payments at their demand, I applied again and In XXXX, this loan modificationwent smoothly, the modification has a stated " new '' principal amount of XXXX. My last payment was made in XXXX XXXX the balance is around XXXX. The loan modification agreement is not very detailed. Somewhere I believe it states it is the first lienholder, again I question if the heloc was taken care of. The foreclosing papers state jpmorgan specialty bank as beneficiary. After XXXX refi bank statements said chase home finance, then chase mortgage then jpm chase bank changing at random. XXXX lists has XXXX listings, XXXX and XXXX-XXXX and jpm chase XXXX. I never made any payments to these entities in those years. I am unclear as to the happenings in sale, apparently it went back to the bank on sale date XXXX XXXX and then sold XXXX XXXX to us bank trust na, XXXX. Dates here to conflict. I believe sale postponements and other actions taken were attempt to get me to walk away from my home so abandonment could be claimed, or time needed to establish another scheme. I still do not know what or which bank actually existed when, what got paid who got paid. It is obvious that Chase never did have a proper or legal title, faked a loan which I can prove, is in collaboration somehow with successors and assigns

Company response to consumer: Closed with explanation