Consumer complaint received 2015-04-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
File a mortgage complaintWe made an attempt to do a refinance XXXX XXXX, XXXX. Rather after learning the terms via the notary whom was present we decided to rescind and act on our right to cancel. The documents are dated XXXX XXXX, XXXX. Approximately XXXX this day mentioned I drove to the offices of XXXX office in XXXX XXXX CA. We signed the right to rescission form called Notice of Cancelation within 72 hours on that first day/night. The documents where delivered to XXXX DBA XXXX in XXXX XXXX CA Lender address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Fax : XXXX. My business and home have been ruined. They have contacted my neighbors as well placed a lien upon my home for a credit card debt being that they are the servicer. As well no docs for court for such was served. Due to this I have lost out on buying a new home within the past year due to Chase slamming our credit with false information. We have notified Chase Bank as well WAMU on many occasions and the failed to hear the facts. We have faxed emailed and mailed documents to them. In fact WAMU before becoming the new Chase Bank mailed us the original documents with out right to cancel Aka right to rescinded in XXXX XXXX XXXX XXXX. We shared this information with Chase Bank. Chase forced us to sign a bandaid mod giving us 5 days to vacated the premisses. As well we have contacted the Attorney general and XXXX county Consumers and that seemed to make matters worse. Since XXXX we had started rebuilding our credit and was able to buy a car in XXXX and was just about to purchase a new home out of state or in state for business purposes and Chase was trying to force us into a new loan modification one that would take away all rights at this point to rescinded the loan as it was done in the presence of the notary in XXXX XXXX XXXX. This has hindered not only business but jobs of employment. As well created a rip in our community by contacting our neighbors back in XXXX, and XXXX. Claiming we where dead beats bums whom did not want to pay their mortgage. Chase WAMU would also call our jobs at the school and medical offices I worked at. It was embarrassing. This became so stressful that I had XXXX miscarriages in XXXX and XXXX. We tried on many occasions to make this right with Chase. Rather all they would do is an internal credit check and fraud check and never gave us the conclusion in writing nor over the phone. They would just keep hitting our credit reports. Reporting that we where derogatory and was derogatory. We have faxed mailed and emailed them Affidavits of truths notarized XXXX times this year disputing their new so called loan mod that we told them we were not interested in due to trust issues with Chase for slamming our credit in the past. We have retained legal representation on this matter and are awaiting a request I have made as well my husband has made for a litigation and if not to have our day in court. This is ridiculous to have to go this far to get their attention when we have provided them the proper documentation over and over again. When we have asked them for the original note for years ( 6 yrs ) they would tell us via letter by USPS that they are researching the matter. Finally we got tired and told them we are no longer making payments for a mortgage that does not exist. We are only paying taxes and insurance. As well Chase alluded the question Where is the note? and send us a letter claiming that XXXX the treasure would have that information. Attached is a copy of the professional opinion report for the documents forged by either Chase Bank USA NA / WAMU or the so called Investor. When I spoke to the " Handwriting Expert " whom stated via phone that the signature on the not known document that alleges a

Company response to consumer: Closed with explanation