Consumer complaint received 2015-11-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
For more than XXXX years I have tried to get the name and contact of the owner of my loan. The servicer is Chase. I have received XXXX different answers from XXXX different banks and additionally, the public records and XXXX show something different altogether from what the banks say. I am entitled to this information under the Fair Debt Collection Practices Act. Chase can not collect a debt without identifying the owner of that debt. I am also entitled to this information under RESPA. I have extraordinary circumstances and have tried for years to get a loan modification. My house has leaked, 70 % of homes defaulted, houses are worthless, ca n't be sold, I am working with XXXX, my husband ca n't walk anymore, XXXX, we had no income. This is why I wanted originally to know who owns my mortgage. They have refused for so long to provide this information that I do not think they even have standing - what other reason can there be to not give me a simple, legally required answer to - who owns my loan? My next step is court to determine standing since I have been told so many untrue, unsubstantiated things about the ownership of my loan. When I asked Chase about a modification I was told, " you have to be in default to talk to us. '' So I wanted to go to the owner myself since Chase was impossible to work with. The XXXX, that claimed to own the loan, ( with no proof ) said, " Submit the request to us. '' I did. They did not offer anything to relieve my situation. My house can not be sold. It is worth XXXX what I paid. I am XXXX the few who stayed and paid my mortgage. When I call Chase, even today, ( XXXX/XXXX/2015 ) they claim XXXX owns my loan- but refuse to supply a contact for XXXX XXXX XXXX XXXX. Obviously, Chase will not disclose to me the true owner or contact of the owner of my debt, despite it being required by law. I requested documents to show standing. I was sent a copy of a note endorsed in blank ( anyone can get that in the public record ). I was sent payment history ( did n't request & it does not show the owner or standing in a court ). I asked to see the original note and though it was promised I could see it- they never produced it. I asked for a business receipt a certified copy of assignments, & endorsements of the note & mortgage. None was produced. I asked for a XXXX report. None was provided. Anything to show legal ownership & transfer. This is what I 've been told about my loan ( documented with legally taped conversations, emails, & letters ). All documentation of hardship and responses from Chase, XXXX have been submitted to these banks, including the tapes. 
1. Chase owns the loan2. XXXX owns the loan3. The loan is in a public trust4. XXXX is the trustee5. No XXXX is not the trustee6. XXXX owns the loan7. The loan is securitized8. No the loan was never securitized9. XXXX bought the loan from the originator10. No, the originator never sold any loans to XXXX11. Go to the public records to see who owns your loan. 
12. Public records show only originator XXXX. 
13. XXXX shows servicer, NO owner or investor14. XXXX shows XXXX as investor15. XXXX, we are not the trustee16. XXXX, I do n't know why Chase told you XXXX owns your loan. 
17. I do n't know why they told you it was in a trust18. The loan is in the XXXX program, owned by XXXX19. No we never sold any loans into the XXXX. We sold all our loans to XXXX21. Chase has always been your servicer22. Chase has n't always been your servicer23. XXXX was your servicer for 3 years24. Chase has your note25. Your note is with XXXXLong story short - I still have no proof of who owns my loan

Company response to consumer: Closed with explanation