Consumer complaint received 2021-05-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe I am a victim of industry insider fraud, recorders fraud, and forgery. I have proof. JPMorgan Chase Bank , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX initiated these frauds targeting XXXX XXXX XXXX a XXXX homeowner by misusing the mortgage lending process, the mortgage recording process, and the mortgage foreclosure process to steal equity. JPMorgan Chase Bank , XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX used their specialized knowledge and authority to initiate, commit, and facilitate these frauds for their financial benefit. Each mortgage fraud scheme contains some type of " material misstatement, misrepresentation, or omission relied upon by a bank, court, recorders of deeds office and a homeowner and attorney used to threat bankruptcy/foreclosure to dupe homeowners of equity which is referred to as equity skimming. 


XX/XX/XXXX : JPMorgan Chase Bank , XXXX XXXX recorded a forged and fraudulent mortgage with the XXXX XXXX Recorder of Deeds. The recorded mortgage is missing page 3 of 16, page 4 of 16, and the last page my initial is forged on page 16 of 16. All true page numbers are in the lower right hand side of the recorded mortgage document. This mortgage was improperly recorded and improperly executed. 

XX/XX/XXXX : XXXX XXXX Notice of Foreclosure recorded with the XXXX XXXX Recorder of Deeds. 

XX/XX/XXXX : XXXX XXXX XXXX XXXX on behalf of JPMorgan Chase Bank , XXXX XXXX recorded with the XXXX XXXX XXXX XXXX XXXX an Affidavit of Scriveners. This fraud committed on XX/XX/XXXX to unlawfully, fraudulently alter a prior mortgage document and intended to unlawfully cloud the title of real property. The Affidavit of Scriveners included page 3 of 16, and page 4 of 16, this is an attempt to fraudulently add missing pages to a mortgage that was recorded on XX/XX/XXXX. The Affidavit of Scriveners attempted to modify the improperly recorded mortgage. This is clearly an intent to commit document fraud by alteration of the original document with an Affidavit of Scriveners. Since, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were attempting to foreclose on behalf of JPMorgan Chase Bank, they failed to obtain a court order to correct ( reform ) the mortgage which is fraud upon the XXXX XXXX XXXX XXXX XXXX XXXX and the Court of XXXX XXXX, XXXX XXXX XXXX Division. Therefore XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX deliberately violated the civil procedures of the XXXX XXXX XXXX XXXX XXXX XXXX and the Court of XXXX XXXX, XXXX XXXX XXXX Division for their financial benefit. 

According to https : XXXX  Prepare new or duplicate deed/conveyance instrument*, or duplicate loan instrument, etc., with all new signatures and all requirements, ( *35 ILCS 200/31-45 ( d ) Deeds or trust documents that, without additional consideration, confirm, correct, modify, or supplement a deed or trust document previously recorded. 
Prepare a simple scriveners affidavit ( with NO copy of previously recorded document attached ) Note : the scriveners affidavit is great for simple typos or errors that need to be clarified, Scriveners Affidavit Obtain court order reforming to correct the documents if you are already in court ( such as when in probate or foreclosure ) Utilize the new Corrective Recordings process. XXXX XX/XX/XXXX : Complaint to Foreclose Mortgage filed in the Court of XXXX XXXX, XXXX XXXX XXXX Division with the mortgage missing page 3 of 16, page 4 of 16, and the last page my initial is forged on page 16 of XXXX. JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed mortgage documents intentionally black out the lower right hand of the document where page numbers are found and where one of my initials is forged on page 16 of 16. This is clearly an attempt to conceal document fraud by alteration of the original document ( improperly recorded mortgage ). And fraud upon the court by presenting fraudulent documents ( improperly recorded mortgage ) in an attempt to proceed with foreclosure proceedings for their financial benefit. 
I have copies of all records.

Company response to consumer: Closed with explanation