Consumer complaint received 2015-11-09
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I wish to file this complaint against EMC. EMC stated in my XXXX court case that they never had interest in my property and were never a beneficiary. XXXX XXXX was with XXXX XXXX when this was admitted. It was also admitted by XXXX XXXX of XXXX, XXXX, XXXX. Both XXXX XXXX and XXXX XXXX were legal counsel for XXXX XXXX. It was also admitted by XXXX XXXX, EMCs attorney. XXXX XXXX, general counsel for EMC and JP Morgan wrote an affidavit as well that she was not able to find this loan/property anywhere. XXXX XXXX said they did an extensive search. A new lawsuit has now been filed. This time it is judicial and XXXX XXXX is at it again. They represent the sole XXXX, XXXX XXXX, but under the guise of XXXX XXXX. XXXX XXXX is their client. Anyways, they had a XXXX witness come into court ( who failed to mention she had a XXXX degree from XXXX University and had practiced law in Oregon ). Anyways, she made some interesting statements and due to her education level should most definitely be held more accountable for her testimony. The XXXX assignment made by WF on my property ( recorded in public realm XX/XX/XXXX ) was admitted as inaccurate by XXXX XXXX on XXXX/XXXX/XXXX ( I sent you a copy of his declaration and the verbatim previously ). After admittance, nobody exercised due diligence and removed the XX/XX/XXXX assignment from public record, despite XXXX XXXX 's and EMCs own admittance that it was inaccurately recorded in the public realm and that EMC has never had interest nor a beneficiary of my property. INSTEAD they left it there to build off of it, therefore rendering every single other assignment made in XX/XX/XXXX void. They show a XX/XX/XXXX assignment from XXXX XXXX to XXXX XXXX and then an XX/XX/XXXX assignment to EMC LLC as their attorney in fact to XXXX XXXX. They also altered XXXX of the endorsements. Funny, the XXXX XXXX XXXX trust requires that the note and DOT be endorsed properly. The note is absent an XXXX endorsement. XXXX XXXX admitted that the endorsement on the note to XXXX was added XX/XX/XXXX. The trust has a closing date of XX/XX/XXXX. There is no way this loan was effectively sold into the XXXX XXXX XXXX trust. Matter of fact, XXXX XXXX states they are the custodian and they have documents in their custodian file that state ENDORSMENT ISSUE ( ATTORNEY NEEDS ) and also another document that states UNPOOLED. They claim it is in the XXXX pool of XXXX XXXX XXXX XXXX. XXXX would need to be a ncessary party if this loan was truly put into the trust, as well as timely I might add, per the specific rules of the XXXX agt. My mortgage note was discharged in XX/XX/XXXX bankruptcy, and the loan was not re-affirmed. XXXX XXXX had a non-negotiable instrument. However, I paid approx. $ XXXX in payments direct to XXXX XXXX in good faith, despite no longer being an obligor on the note, and since I had not paid off the loan. IN GOOD FAITH. XXXX XXXX tried to get me to sign a loan modification in XX/XX/XXXX that had ridiculous errors that they tried to pass off as a computer glitch. They raised the interest rate which raised the payment, all during our hardship. XXXX XXXX said had we signed the loan modification, EMC would have honored it. This statement alone ( although hearsay, but it was said ), tells me the loan could not possibly be in the trust for starters. XXXX XXXX 's witness XXXX XXXX claimed that XXXX has held the note and DOT the entire time, which is another reason why I do not believe the loan was put into the trust. I am not sure how XXXX XXXX could have LEGALLY negotiated a note that was no longer a negotiable instrument due to it being discharged in chapter XXXX BK in XX/XX/XXXX and not being re-affirmed. XXXX XXXX has been creating new documents or fabricating documents such as these XXXX XXXX sheets that they expect me to believe. Tired of the XXXX!

Company response to consumer: Closed with explanation