Consumer complaint received 2017-09-13
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted a complaint about my mortgage interest rate in XXXX of XXXX. 
I was at the end of my mortgage and Chase Bank never sent a letter about me owing additional funds when my loan met it 's maturity as of XXXX XXXX, XXXX. 
This complaint was investigated and it came to my attention that Chase did not own my mortgage but XXXX XXXX who brought it in XXXX and recorded it in XXXX. Chase refused to tell me who they were servicing the mortgage for because XXXX XXXX XXXX no longer exists. Chase owns no NOTE, no proof of ownership of my home. They did NOT record an assignment, Chase said it was not necessary ( from their lawyers ), for my mortgage and mentions nothing about who could write a satisfaction of mortgage upon payment. No signatures from XXXX or anyone else. I asked why 30-90 days prior to my maturity note ended did I not receive a letter of owing the balance on my note. 
Today XXXX/XXXX/XXXX, after months of waiting, I received a letter telling me in XXXX they sent a letter informing me of my mortgage amount due in full, which did not contain any vital information about amount due. This was BACK DATED by the bank and sent to the address not on file. This is a deceptive move on Chase 's account. Chase can not prove they sent the letter. There was no certification number or proof of this back dated letter. And the letter never stated the amount that was due. I had to send a request to get the amount the letter said. All the conversation with Chase 's employee and NO Mention of this letter that " I '' asked why I was not sent. My main concern was, If I paid this last amount off {$6200.00} which Chase can not prove I owe, will XXXX XXXX who is on my title and the last bank of record, could come later and request payment after Chase is paid off. I did not miss a payment or get a late fee. I was unable to get refinanced because Chase, for 16 years never paid the county of XXXX the fees required for recording an assignment, so my title does NOT show Chase on it. So, I was unable to refinance this crazy 13.70 % loan. I pursued this for years and decided to just pay this off. Now Chase refuses to prove ownership. Chase can not write me a satisfaction of mortgage because they can not take XXXX XXXX off my title, since they are not servicing my mortgage for XXXX XXXX. This I was told by XXXX 's representative. I am being robbed and I am going to do what is necessary to not be stuck with a mortgage satisfaction that does not remove any thing from my title. Chase is trying to backdate a mortgage assignment. They claim in XXXX XXXX XXXX gave them an assignment for my mortgage, but XXXX XXXX did not buy my mortgage from them until XXXX. How did they get it in XXXX. This is the question I asked and received no answer. Now Chase is trying to sweep the fact of ownership under the rug and just address the amount due them. 
It is apparent to me that Chase should not have been collecting money from me since XXXX, and they know it. The loan was originally from XXXX, Chase took over in XXXX it was sold to XXXX XXXX  in XXXX. Since I was paying Chase and not the party of title I could not get refinancing. This is predatory lending trying to keep me paying 13.70 % in a low precent enviorment. My credit union said they would refinance me, but my mortgage was clouded by Chase Bank because XXXX XXXX was on my title and NOT Chase and Chase was not the servicer for XXXX XXXX. By the way, I sent Chase a copy of a title search from my Credit Union with the company who did the title search, I gave them Proof of them NOT being on my Title search. Now they are asking again for more proof in this last letter. I brought 2 cars worth more than my house from my credit union for 5 %, why would I stay in a high mortgage if I was not FORCED to. My mortgage note has a maturity date of XXXX/XXXX/XXXX. 
No extension, no anything Chase turned my 15 year mortgage to 20 years.

Company response to consumer: Closed with explanation