Consumer complaint received 2022-11-09
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Complaint : I have been unfortunately entwined in unreasonably defective mortgage ( not legally binding attached to my home since its origination with Washington Mutual Bank in XXXX of XXXX. Along with the terms of the loan, which were misleading as evidenced, was also caused confusion by connecting my former wife XXXX XXXX XXXX XXXX XXXX 's name in care of certain loan documents addressed exclusively in her name only. She has been absent from the home since XXXX. JP Morgan was unable to correct this inherited mistake without attaching an unreasonable fee to correct the account into my name as the responsible party. It was adjudicated in our final divorce ( XX/XX/XXXX ) that I remain in home and she to provide a quitclaim transfer accordingly. Due to this transition I came across the documents presented here. 

The issues that I am needed to address are primarily the Mortgage and Agreement/Mortgage Release/Satisfaction from JP Morgan Chase, XXXX XXXX XXXX in interest by purchase from FDIC as receiver to Washington Mutual bank, XXXX and XXXX all associated assignments as listed in attachment note below. 

XXXX XXXX XXXX and Assignments Further more, addressing lastly, the assignments and attempts to have contractual rights to real estate to and from XXXX, XXXX, XXXX XXXX Residential and associated attempt for loss mitigation contracts. I mistakenly went into a trial loan modification with XXXX XXXX believing that they were acting as servicer for escrow. 

Despite struggles financially and otherwise throughout the years in regards to a loan/tax payments and expenses, I had not realized the unreasonable extent of the extended burden placed upon our names through blatant deceptive, misleading and unprofessional tactics of trickery used from the origination of the note or security instrument and the masking and falsification of documents used to cover the tracks of the defective loan agreement the individuals involved were knowingly party to. Our separation and divorce has added to the difficulty in resolving matters which and I mistakenly entered into another trial payment loss mitigation that was being sent in both of our names. 

I am attaching documents that show deceptive, fraudulent tactics that I have discovered and I ask for your assistance and diligence in the review, as your knowledge of tactics used will most likely reveal violations in mortgage lending practices other than those that I have introduced with limited experience. These attachments are provided to support the statements of my findings. 


XXXX Washington Mutual, XXXX acquired by JP Morgan Chase XXXX XXXX Mortgage and Assignments JP Morgan Chase through the FDIC receivership of Washington Mutual, XXXX acquired this mortgage within the first few years. Their was no Note filed as required per XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX This is the only recorded document pertaining to mortgage. Includes a false legal description per XXXX XXXX XXXXXXXX XXXX XXXX XXXX statues required. 
We were sold a lower interest rate and monthly payment that included taxes, insurance, and PMI charges that was XXXX XXXX XXXX XXXX than what was billed. 
Document filed only reflects purchase price with a due date of XX/XX/XXXX, no closing cost, down payments or other basic information required. 

XXXX JP Morgan Chase as FDIC Receiver Foreclosure and Loan Modification Rather than correct, admit flaws or rectify the situation spanning all aspects of shady mortgage origination of lost or mismanaged payments, signed contacts, closing statements, improper filing of/and fraudulent, misleading presentation, instead chose to add a band-aid to a bad loan modification ; under threat of foreclosure, with a 40 year term, on a property that they had no rights to foreclose on or continue to collect or transfer as a security backed Mortgage. 

XXXX XXXX XXXX COMPLAINT FOR FORECLOSURE Shows unsigned, unseen and unfilled documents as evidence. 
The right to the property evidently arise and a title opinion is paid for that includes another false survey. 

XXXX Loan Mod We were shown modification documents by court mediation avoiding foreclosure. 
Supposing to correct, AGAIN includes a illegally retyped Legal Description which includes several errors that are outside of the acceptable margin of error. 

XXXX JP Morgan Chase XXXX to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  which I had understood to be the servicer of escrow payments of the original loan assumed by JP Morgan Chase, in fact, now self proclaimed itself as granter for a property and a loan agreement undeserved within the laws of the State of Ohio and within XXXX XXXX. XXXX, XXXX a division of XXXX as shown with attachments. To my knowledge no agreement was signed with XXXX, XXXX as I had thought them to be a servicer and have been unable to provide me with any clarification regarding account records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that include the real Legal Description of land and Tax records to date. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX History I have included basics of resolution and /or restitution and provided information to the best of my knowledge. I would appreciate communication from the CFPB via telephone if further clarification is needed. XXXX XXXX XXXX. 

In regards to XXXX, XXXX and the other, the possibility that an attempt to foreclose is still hanging over me, legal or not, I am hoping for assistance and confirmation that I am correct. I have put a lot of work, money and sweat into my property, and am unfairly being preyed upon. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation