Consumer complaint received 2016-07-15
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I sent JP Morgan Chase a QWR Letter requesting " '' ALL DOCUMENTS PERTAINING TO MY XXXX MORTGAGE '' ' I also requested a ''CERTIFIED COPY OF MY PROMISSORY NOTE '' Under UCC 3-501 which requires a lender to " exhibit the note '' And under UCC 3-501 also requires a servicer to show authority to make a demand for payment, if it does not own the note, but is merely servicing it. In the event a noteholder or servicer or will not exhibit the note or perform other legal requirements when requested to do so by the borrower, this UCC section allows the borrower to discontinue payments WITHOUT DISHONOR until such time as the noteholder or servicer complies with all laws or contract provisions. 

I requested these documents several times, Each time JP Morgan Chase denied my request under UCC 3-501 claiming these documents are private and confidential. 
This is XXXX XXXX. 

If JP Morgan Chase can not provide such proof that they own or have such documentation than how can they legally under State and Federal Law continue to ask for payments on a monthly basis, nor are they entitled to any part of my property or House. 
I ask CFPB to request this information on my behalf, and trust that since CFPB is run by the Federal Government to protect Consumers and the XXXX like myself you will lookout for me. 

In the meantime I will ask my US Congressman to followup with CFPB to make sure the agency is looking out for Consumers like myself in this State. 

UCC 3-309. UCC 3-309 requires the lender go through certain steps to prove up a note ( make it enforceable North Carolina Passed Predatory Lending Laws that when into affect on XX/XX/XXXX This Loan Document has attached to it a Balloon Payment Provision that I was unaware of. 
JP Morgan Chase submitted to me many documents that 's very questionable, My supposedly signatures are different on all documents they submitted to me, Some are signed with a middle initial XXXX when others are signed with a middle name of XXXX. 

Some documents with signatures has dates, When others do n't. 
None of the documents are stamped with seals or been notarized. '' THIS IS N'T AN ATTEMPT TO AVOID A DEBT '' INSTEAD IT 'S AN ATTEMPT TO SUE JP MORGAN CHASE FOR FRAUD AND VIOLATION OF THE NORTH CAROLINA USURY LAWS, UDTPA, NORTH CAROLINA CONSUMER FINANCE ACT. 
Under North Carolina Predatory Lending Act that went into effect XXXX XXXX 2000 MAKES IT ILLEGAL TO INCLUDE OR ATTACH A BALLOON PAYMENT PROVISION TO A HOME MORTGAGE. 
This loan was made XX/XX/XXXX Five years after the Predatory Lending Act went into effect. 
Under North Carolina Consumer Finance Act, UDTPA and other Laws, some of the penalties requires among other things treble damages, Attorney Fee 's ETC. 

This loan has being setup on autodraft since XX/XX/XXXX so I have never missed any payments. I have being paying on this so far 127 months at {$190.00} total paid to date {$24000.00}. and it 's sad to say after 10 years and 7 months that only about {$37.00} a month is going toward principle. total amount of loan was for {$25000.00} with about {$3400.00} going toward Penalty and fees. 
Total cost {$56000.00} THIS IS PREDATORY LENDING, AND ATTEMPT FROM JP MORGAN TO AVOID THE LAWS AND VIOLATE MY RIGHTS LIKE EVERYONE ELSE. 
So THIS IS NOT AN ATTEMPT TO VOID A DEBT.

Company response to consumer: Closed with explanation