Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I received a document on XXXX XXXX, XXXX, from J.P. Morgan Chase Bank , N.A . stating that J.P. Morgan Chase Bank, N.A is now the new creditor of my loan and that it was transferred on XXXX XXXX and in this document it failed to mention the properties legal description, my full name, full correct address including my full zip code, the amount I owed on the loan and it listed the loan number as " Account ending in XXXX ''. 
This document stated that this transfer was listed in my county recorders office, and that is n't true at all. The only assignment and transfer listed was the fraudulent XXXX I mentioned above. This company listed the information on the assignment dated on XXXX/XXXX/XXXX, that the mortgage was transferred to JPMorgan Chase Bank , N.A . with the address of : XXXX, LA XXXX, telephone number ( XXXX ) XXXX. In this transfer of creditor dated on XXXX XXXX, XXXX, the creditor name is J.P. Morgan Chase Bank, N.A whose address is, XXXX, OH XXXX whose telephone number is ( XXXX ) XXXX, indicating a scheming plot intended to confuse the mortgagee, otherwise know as myself XXXX XXXX XXXX. 

There are also many inaccuracies pertaining to my account activity on Chase.com and listed in my mortgage statements. On XXXX/XXXX/XXXX, J.P Morgan Chase N.A made a withdrawal to pay my mortgage payment ( XXXX ) times. XXXX consecutive times for the amount of {$630.00} totaling XXXX and another charge for {$2500.00} making a total payment for the month of XXXX, XXXX to be {$4400.00} and my monthly mortgage payment was supposed to be only {$630.00}. Additionally, on XXXX/XXXX/XXXX, just days later, I got charged XXXX for the month of XXXX XXXX and again on XXXX/XXXX/XXXX totaling the amount of payment for XXXX XXXX being XXXX. 
On XXXX/XXXX/XXXX there is a credit in the amount of XXXX with No Description Available indicating a huge discrepancy and no information regarding it. 
My homeowners insurance is supposed to be XXXX annually and paid for monthly via escrow account. I am getting charged XXXX in XXXX lump some and overcharged. These charges are a result of unfair lending practices. And The collection of all over charges ( including any interest, fee, charge, or expense incidental to the principal obligation and Taking or threatening to take any non-judicial action to effect dispossession or disablement of property if -- ( A ) There is no present right to possession of the property claimed as collateral through an enforceable security interest or instrument When my mortgage was transferred the notice never stated whether I could continue any optional insurance, such as credit life or XXXX insurance ; what action I should take to maintain coverage ; and whether the insurance terms will change or a statement that the transfer will not affect any terms or conditions of your mortgage, except those directly related to the servicing of the loan or a statement explaining your rights and what to do if you have a question or complaint about the servicing of your loan. When I received the notice of new creditor on XXXX/XXXX/XXXX, the notice never contained information regarding the person who is authorized to receive legal notices and can resolve issues about loan payments.. 

I never received assistance or information regarding the Chase XXXX settlement or any resources the settlement entitles me as a struggling homeowner.

Company response to consumer: Closed with explanation