Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Enclosed, please find the evidence now necessary to prove that XXXX XXXX co-conspired with her team to forge our promissory note. We just learned of this evidence which proves who was responsible for forging the note in our case. That note is filed in the official records of XXXX XXXX County. It can be found by looking at Case No. : XXXX. The note was used to assist in a foreclosure that will result in our loss of approximately {$630000.00} plus the equity in our home that could result from the forced sale at auction. That according to XXXX that is XXXX dollars. Therefore we are specifically damaged if and when our house is auctioned. 

In XX/XX/XXXX we knew the promissory note was forged, but had no clue as to the identity of the person or persons responsible. We learned the identity of XXXX XXXX and her team on or around XX/XX/XXXX. That statute of limitations for fraud and other acts do not accrue until we discovered the identity of the perpetrator. We now have that information. 

Here is the proof you need. 
1. Forensic report from our forensic expert that your office regularly uses, that proves the last page of the note, the signature page, was fabricated. Your review of the note will show that while the rest of the note is onion skin paper, the last page is later produced photo copy paper with a forged signature. EXHIBITS A. 

2. The note was used as the basis for obtaining a foreclosure judgment against us when in fact the note was destroyed or the last page was destroyed, and then fabricated by XXXX XXXX 'S TEAM who " CURED '' the note according to her sworn self-incriminating testimony. 

3. Second, we have a deposition of XXXX XXXX wherein she ADMITS that she has a team whose job it was to " cure '' notes. EXHIBIT C We only learned of the existence of this deposition on or about XX/XX/XXXX when we received a copy of the deposition from our attorney, who also just discovered it. 
We respectfully request a complete examination by your office of the subject document, then recommend to the appropriate authorities the ARREST AND PROSECUTION OF XXXX XXXX for conspiracy to commit fraud, commission of forgery, recording or causing to record in the official records of XXXX XXXX County a forged document, as well as discover her team 's identity and charge them as co-conspirators. Additionally, there are Civil Conspiracy and Florida Rico charges that should be brought. It is, as you are no doubt aware, a FELONY. 
As a citizen of the US, a victim of fraud and forgery, and am facing the loss of our home and considerable equity in the same, we respectfully request a complete investigation and the arrest of the individual who admitted, UNDER OATH to being the team leader who forged or caused the forgery of a promissory note, fraudulently endorsed the same, and then used that forged note to obtain a judgment of foreclosure on our property. 
We are suffering a loss of approximately XXXX dollars as a result of this fraudulently prepared and recorded document and we have irrefutable proof as to exactly how it was created and by whom. 

We respectfully ask for a complete investigation of XXXX XXXX and prosecution for this forged document that was recorded in the official records. 
Thank You

Company response to consumer: Closed with explanation