Consumer complaint received 2018-08-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To Whom it may concern, can assist, or have expertise in. 
My name is XXXX XXXX XXXX and my contact information can be found at the bottom of this page. I'm a native Californian, a XXXX Veteran ( XXXX ) for 37 years, and a XXXX for 30 years. I have no criminal record, never been arrested, and have a Drivers License and XXXX License that are unremarkable. I have always loved my country, respected all laws, and did what I could to enhance my community and help out the less fortunate. I am contacting You with a plea for help and a call for a legitimate investigation. 
I'm not asking for a hand out, any favors or gifts. I just want what's fair and right, and justice to be served. In less than a year, I have had all I've worked for, My home of 27 years stolen from me. The problem stems from multiple Predatory Loans, with the last one being Criminal. 
Here are the facts of the matter : I bought my home in XXXX and unknowing to me, was one of the first innocent victims to the Refinance Schemes of the early XXXX 's. I was always promised that the next Refinance would be better but that never proved to be the case. It just led to another Refinance. My first was in XXXX, second in XXXX, third in XXXX, and in XXXX the forth was the beginning of the set up by XXXX XXXX XXXX ( Fined and Disbanded by the State ) and XXXX XXXX ( Mortgage Fraud XXXX ). Six weeks prior to the XXXX Refi, XXXX XXXX and XXXX helped my Mother sell her house in XXXX XXXX, CA. and that's when they acquired Her financial information, so she could move out to the XXXX XXXX to retire. However, My Refi was so bad that I was promised another Refi shortly, with a better rate as they dropped. That brings us to XXXX and the last Refi that involved the defunct XXXX XXXX XXXX shortly before their downfall. That Refi was a XXXX  with no proper document signing or recording, especially the Deed. I signed the regular Refi documents, but was never informed that they drove to the XXXX XXXX to add her as a Co-signer because of her perfect credit. That is what I was told one month later when the first statement arrived. Chase Bank serviced the loan and refused to look into any improper actions by Mr. XXXX, XXXX, or XXXX. The scam started to appear when the loan was NOT indicative of someone with perfect credit. Hoping to work my way out of the loan that progressively got worse, I made every payment for 10 years in person, with cash, on time. But as the loan got worse, so did any communication from Chase. 
The Criminal Fraud came to my attention, when less than a year ago, attempting to make another payment in cash at the local Chase Bank, just like I had done for 10 years, I was asked for an ID due to a change in Bank Policy at Chase. When I produced my Drivers License to the Teller, I was informed that I was not on the loan and had to make " Special Arrangements '' to do so. That is when I became outraged and decided to look into the depth of the Fraud. A Consumer Whistle-blower Advocacy informed me that the last Refi was a XXXX, was Fraudulent, and that the Deed was never signed. My Mother is illiterate, in her mid XXXX 's, XXXX XXXX, and in poor health. She has never lived with me at the property, and I was told if she passes away, I would lose the house. So I stopped making regular payments after 27 years, and decided to protest until the property was in My name. 
I did not qualify for any assistance, or benefits because the property was not in my name, and my Mother has not worked in 20 years. Every Lawyer I contacted wanted to do their specialty, like Bankruptcy, instead of the proper fix, because it was too costly. I was also informed that every Judge that I could present this too, would side with the big Banks instead of the Middle Class because of Corruption and Special Perks they receive. How could my Local, State, and Federal Government turn a blind eye and abandon me? Especially after My service and Record. 
And the Fraud continues! They have postponed the auction of the property, two times, while they go back and " Rubber Stamp '' the delinquencies in the Original Documents. XXXX XXXX XXXX of XXXX, Texas and XXXX XXXX XXXX  XXXX should be included as Defendants, as the Conspiracy to cover up the original XXXX XXXX continues. 
XXXX XXXX was just assessed with a XXXX XXXX penalty for " Misrepresentation of Loan Quality '', and all I want is a Federal Law Enforcement Agency or an Expert in this field to give me a fair investigation. Here is XXXX Attorney XXXX XXXX 's account of how they are trying to hide the Fraud : XXXX If they continue to claim that no fraud occurred, then just refund me my payments for the last 10 years, because I was misled into believing that every payment I made was towards my property and would enhance my credit. Because of the scope of the Fraud, I'm pleading for the IRS, FBI, SEC, State and Federal Attorney Generals to do the right thing. 
This is not a Cyberspace/Faceless crime. The Original perpetrators were convicted in Arizona of Mortgage Fraud, and XXXX  was heavily fined and disbanded by the State of California years ago. Furthermore, on XXXX XXXX, the DOJ reached a XXXX XXXX Agreement with Five Largest Mortgage Servicers ( including Chase ), to correct servicing and stop abuses. This is clearly a violation of that agreement. XXXX I am almost XXXX XXXX XXXX and am way too old to start over, so this is a matter of life and death. Not to mention the decreased quality of life to my Family and Patients. 


XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation