Consumer complaint received 2017-11-20
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
COMPLAINT OF FRAUD AGAINST XXXX AND JP MORGAN CHASE FACTS : 1. My wife and I refinanced our house XX/XX/XXXX with XXXX XXXX XXXX XXXX. The amount of the loan was for {$400000.00}. At an interest rate of 7.875 %. 
2. On XX/XX/XXXX An assignment of Deed of Trust was purportedly filed in the XXXX XXXX County recorders of deeds whereby Argent conveyed its rights to the complainants property to XXXX. 
3. Complainants received notice in XX/XX/XXXX and began to pay XXXX as the new mortgage company. 
4. Sometime in XX/XX/XXXX Complainants received notice to pay JP Morgan Chase of which payments were made. 
5. Sometime in XX/XX/XXXX we received notice to pay XXXX XXXX located in Utah of which payments were made. 
6. Payments were made to XXXX XXXX XXXX on behalf of JP Morgan Chase. 
7.XX/XX/XXXX XXXX XXXX XXXX located in XXXX Va. filed an Order to Docket to  foreclose on our home. 
8. XXXX XXXX was the purported note holder. 
9. According to the Order to Docket filed by XXXX XXXX XXXX by way of XXXX XXXX XXXX on behalf of XXXX XXXX in XXXX XXXX County, an Assignment of Deed of Trust was filed in the recorder of Deeds XX/XX/XXXX. The Assignor was XXXX. 

DOCUMENT # 1 Said document disclose a purported affidavit from XXXX XXXX the Document Control Officer at XXXX XXXX ( XXXX ). She attest that according to the loan servicing records that XXXX XXXX is the holder of the note and has the right secured by a deed of trust recorded in XX/XX/XXXX. The subsequent documents that were provided and contained in the Order to Docket are proven fraudulent by the following : DOCUMENT # 2 Said document discloses the purported Assignment of Deed of Trust from XXXX XXXX  XXXX to XXXX. The agency should specifically note several discrepancies in the document that prove said document was fabricated. Further an employee of XXXX XXXX XXXX commits perjury by attesting in an affidavit that the document is a true and accurate copy. The proof of said document being fabricated therefore fraudulent are : 1. The document was not signed ; 2. The notary clause was omitted ; 3. The stamp of the Clerk of the Circuit Court for XXXX XXXX County is not a machine stamp with a portion of it written in and misspelled. ( See Document # 3 which is a magnified view of the aforementioned forged stamp on Doc # 1. ) 4. The purported name and the time stamp are out of alignment which is an impossibility with a machine stamp. 
5. Said stamp is incomplete. It leaves off the XXXX XXXX County identifier. 
6. After a search at the Recorder of Deeds of XXXX XXXX County, the document was not filed as purported. 

DOCUMENT # 3 Said document discloses a magnification of the purported stamp contained on Document # 1. The second line on said magnification, display that the notation was written on the document instead the official machine stamp. 

DOCUMENT # 4 Said document discloses an Assignment of Deed of Trust purportedly assigned from XXXX to XXXX XXXX. The date of said filing was XX/XX/XXXX. The agency should note the official stamp of the clerk of the recorder of deeds is a machine stamp. 

DOCUMENT # 5 Said document disclose a Report Contact History log from XXXX XXXX XXXX. Said log discloses that on XX/XX/XXXX that complainant called in to advise XXXX XXXX XXXX that it would be making a payment in the amount of {$2300.00} which represent a modified payment negotiated between the parties. The notation states XXXX states she was calling to advise she is making the first trial payment right now through XXXX. 

DOCUMENT # 6 Said document disclose wire retaining instructions from XXXX XXXX XXXX  which contain a disclosure that JP Morgan Chase Bank is the note holder still in XX/XX/XXXX. Further the agency should note that the acronym within the call log from XXXX disclosed on Document # 4, stands for XXXX XXXX XXXX XXXX XXXX DOCUMENT # 7 All the required documentation within the order to docket were provided by XXXX XXXX XXXX or the attorney XXXX XXXX of XXXX XXXX XXXX. Said document disclose an affidavit from the Attorney, XXXX XXXX that attest to the assignment being a true and accurate copy. The fraudulent assignments were from XXXX to XXXX and XXXX to XXXX XXXX. 

SENARIO : The evidence contained herein prove that XXXX, JP Morgan Chase, XXXX, XXXX XXXX, XXXX XXXX XXXX and their attorneys at XXXX XXXX XXXX conspired to defraud the complainants out monies and the right to their property. After XXXX went defunct, XXXX/Chase fraudulently claimed to be the note holder and thus advised the complainants to pay them their monthly mortgage payments. 

The Order to Docket required the documentation of ownership of the note and assignment of deed of trust for standing. Therefore in order for the fraud to succeed, the conspirators had to produce a paper trail of transference. This was done with fraudulent affidavits. The agency should note that the affidavits now disallow any future claims of lost documents. 

Consequently, the rights to the mortgage via the note secured by the deed of trust had to fraudulently appear to be assigned by XXXX to XXXX then to XXXX XXXX even though the complainants were paying XXXX/Chase after the aforementioned assignments. 

Case in point, Document # 3, discloses the assignment to XXXX XXXX in XX/XX/XXXX with the complainants being advised that their mortgage company was JP Morgan Chase in XX/XX/XXXX by XXXX. Document # 6 They both prove the other fraudulent. 

Consequently, the evidence prove that XXXX/JP Morgan Chase conspired and did defraud the complainant out of monthly payments from XX/XX/XXXX through XX/XX/XXXX. 
Further it proves that XXXX/Chase illegally and criminally utilized XXXX XXXX to foreclose to avoid issues of non compliance with federal settlements. XXXX XXXX XXXX, the XXXX XXXX XXXX via XXXX XXXX and XXXX XXXX all conspired to conceal JP Morgan Chases involvement in the illegal foreclosure of the complainants property.

Company response to consumer: Closed with explanation