Consumer complaint received 2015-04-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a complaint regarding ongoing issues and harm done by JPMorgan Chase Bank N.A . ( " Chase '' ) and the unlawful transfer of fraudulent loan to XXXX XXXX XXXX, XXXX. This is also a complaint to protest the designation of past complaints as duplicates or " not disputed '' by the CFPB as well as the non enforcement of laws, settlements or the claimed responsibilities of the CFPB, the OCC and other agencies. 
Chase is in violation of the National Mortgage Settlement despite the claims of the Monitor, XXXX XXXX, and can not be allowed to continue it 's non compliance and worse yet, to be given a clean slate. Other settlements have also been violated as to the harm done to homeowners, contrary to Chase and government agency claims of relief. 
My complaints and others must be investigated as well as the compliance and possible manipulation of funds by lenders/servicers such as Chase and their affiliates or purported successors as homeowners remain trapped in predatory and unlawful loans, servicing and foreclosure. The funds as applied by agencies to deny due process and justice to homeowners also must be addressed. 
Chase can not be given credit for misleading modification offers or forgiveness of unlawful debt. 
Another new issue has arisen that may validate claims of possible fraud since the first payment in XX/XX/XXXX or shortly before, with misleading letter on payoff. The predatory 11 % rate was not changed, as I had difficulties due to effect of the crisis Chase helped create, after 3 payments were made for nearly {$20000.00} and I was told I was a good candidate to have loan changed due to high rate. I contacted Chase from the first payment in good faith and worked with various loan mod specialists for nearly a year but Chase now claims there were no payment arrangements before the Notice of Default in XX/XX/XXXX. 
I reviewed my credit reports on XXXX/XXXX/XXXX, which reflect NO LOAN from the XX/XX/XXXX purported closing! Purported Chase loan # XXXX ( XXXX on closing documents ) Is this a way to claim nothing happened the past 7 years! Or is this a complete breakdown of the system of which the National Mortgage Settlement Monitor, XXXX XXXX, claims the favored too big to fail banks are passing, putting an end to the agreement? 
Furthermore, as before, the complete chain of loans since purchase in XX/XX/XXXX/XX/XX/XXXX is manipulated as to lender names on the XXXX report or completely removed on XXXX. It appears lenders/servicers such as Chase/XXXX can manipulate our credit reports as they please even after being associated with XXXX XXXX, drug cartels and terrorists. 
The XXXX report reflects the following : purported XX/XX/XXXX loan # XXXX, Account Status : Closed - PAID and closed, CONTRADICTS CLAIMS BY CHASE PERSONNEL AND CHASE LEGAL THAT ACCOUNT DID NOT HAVE TO BE PAID as I understood and closing documents state. I have been misled since the purported closing of loan in XX/XX/XXXX and possibly since Chase Home Finance took over the predatory XX/XX/XXXX loan I was trapped in with WaMu credit report " error ''. This is 10 years of fraud and abuse! 
AGAIN, the paid note for the XX/XX/XXXX WaMu loan is in MY POSSESSION and Chase did not return the purportedly paid XX/XX/XXXX loan note since closing in XX/XX/XXXX which it first claimed to pay and has reported to credit bureaus but claims they did not pay due to transfer although they produced possibly fraudulent copy 6 years later. This is NOT a produce the note or " lost '' note case! Does anyone at the CFPB or any government agency understand this? If not how can our financial security as a country be assured? 
The XX/XX/XXXX and XX/XX/XXXX purported mortgage loan accounts reflect last reported date of XX/XX/XXXX whereas the XX/XX/XXXX loan has a XX/XX/XXXX reported date that make no sense unless there is a broken chain of title and/or false claims. The date can only apply to manufactured default.rest att 'd

Company response to consumer: Closed with explanation