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

Complaint:
J.P Morgan Chase Bank N.A. violated the Federal Trade Commission Act by making false statements. 
In Michigan, Foreclosing party must publish notice once a week for four consecutive weeks before sale and post a notice on property within at least 15 days of first publication. No such notices have been made. 
After denying me a loan modification, I disputed the underwriters wrongful decision, after 90 days, I received correspondence from THE Executive Offices of J.P. Morgan Chase Bank N.A., In this document, it indicated that my credit report was not used to determine my eligibity. However, Underneath that statement, contained the reasoning behind why I was ineligible and XXXX of the reasons stating that determining my bills and income, that it retrieved from my credit report, that I would be paying {$300.00} monthly in credit card expenses, not taking into consideration tat I was enrolled in the forbearance plan with those creditors. This situation was and is in violation of the fair credit reporting act. 

If a forced placed insurance is obtained on my loan then JP Morgan Chase Bank , N.A . failed to not over-charge myself for force-placed insurance and did n't warn me at least 45 days before it charged to a force placed insurance policy which would have given me time to buy me own policy. The servicer did n't warn me first or again at least 30 days later. Lastly, generally when being billed for force-placed insurance, the servicer should n't have over-charged me, which did occur and is ongoing. 
Chase failed send a privacy notice to me once a year breaching the Gramm-Leach-Bliley Act. 
Secondly, Chase also failed to give me the chance to " opt out '' or say " no '' to information sharing under certain circumstances and Chase failed to describe how they will protect the confidentiality and security of my personal and financial information. 
According to a Federal Reserve press release, banking organizations including JPMorgan Chase & Co. engaged in " a pattern of misconduct and negligence related to deficient practices in residential mortgage loan servicing and foreclosure processing. These deficiencies represent significant and pervasive compliance failures and unsafe and unsound practices and I know I am a victim of these occurrences. 

Chase also recently did an appraisal on my residence this last mouth, the law states that I should receive a copy of that report. I have n't received a copy even after requested and I was charged {$350.00} for the appraisal without prior authorization or knowledge of this. 

And I am also a victim of assignment and securities fraud to which the assignment of my mortgage via J.P Morgan Chase Bank N.A, created a fraudulent document and forged signatures. 

Finally, this information was on public record - & gt ; ( A loan was issued by JPMORGAN CHASE BANK XXXX. ) This information is inaccurate. 
Please help me with these deeply concerning matters as I am being violated of my civil rigts

Company response to consumer: Closed with explanation