Consumer complaint received 2020-02-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In the initial questionnaire the company has been issued multiple qualified written correspondences to validate the debt, produce documents since 2016 under Title 15 USC 1692, 1 and 2 and TILA and RESPA in which they have failed to answer. Furthermore, Chase is not the original so called lender. JP MORGAN AND CHASE BANK has filed a fraudulent Notice of Substitution of Trustee, Notice of Default as a foreign entity with the XXXX County Recorder attempting to " FORECLOSURE '' on a " MORTGAGE '' that does not exist and where there was no legal binding contract that was signed by me. There is now third party activity who is attempting to foreclose on a Home Equity Line of Credit that was initially established with another bank that went bankrupt. The parties listed have no agreement with me and have used deceptive tactics to steal my property. This has been occurring for twelve years but have been disputed with qualified written requests to CHASE concerning the facts about the transaction and they have continued to conceal and fail to disclose any and all pertinent or material information in replying to my requests. CHASE has continued to violate my consumer rights through threats and unfair business practices and continued to fail in imparting correct information. 
Under FRAUD all suspects in their fiduciary capacity, breached their duty and care of me, XXXX XXXX XXXX XXXX. Where there was a duty to speak, the disclosure was not full and complete with the opportunity to answer, challenge or cancel the contract or rescind my signature under the aforementioned acts. JP MORGAN 's wilful concealment of material and qualifying facts is evident based on their actions up to this date and was a true statement to my inquiries and requests which was a misrepresentation. Through their wilful acts to conceal and suppress such facts in leading me to believe that the matters regarding the Home Equity Line of Credit that was established with another bank being a mortgage was made me obligated to pay or have my home taken from me was fact and truth and nothing but the truth, JP MORGAN has committed fraud against me and are using third parties as debt collectors and lien holders to file fraudulent notices and requests in the County Recorder of XXXX. In closing, JP MORGAN and all of their third party accomplices have been equivocal, evasive, and misleading, where being calculative in order to convey a false impression of the truth. Notice and filings are under a false erroneous name that is not me - ( XXXX XXXX ) ; Also the account number has been changed from XXXX to XXXX. 
AS A NOTE LOOKING UP THE DEFINITION OF FRAUD : FRAUD is defined in BLACK 'S LAW DICTIONARY 6th Edition on page 660 " An intentional perversion of truth for the purpose of inducing another in reliance upon it to part with some valuable thing belonging to him or to surrender a legal right. A false representation of a matter of fact, whether by words or conduct, by false or misleading allegations, or by concealment of that which should have been disclosed, which deceives and is intended to deceive another so that he shall act upon it to his legal injury. Anything calculated to deceive, whether by a single act or combination, or by the suppression of truth, or by suggestion of what is false, whether it be by direct falsehood or innuendo, by speech of silence, word of mouth, or look, or gesture. Delanty v. First Pennsylvania Bank, N.A., 318 Pa. Super. 90, 464 A. 2nd 1243, 1251. A generic term, embracing all maltofarious means which human ingenuity can devise, and which are resorted to by one Individual to get advantage over another by false suggestions or by suppression of truth, and includes all surprise, trick, cunning, dissembling, and UNFAIR way by which another is cheated. Johnson v. McDonald, 170 Okl. 117, 39 P.2nd 150 " BAD FAITH " and " FRAUD " are synonymous, and also synonyms of dishonesty, infidelity, faithlessness, unfairness, etc. ''

Company response to consumer: Closed with explanation