Consumer complaint received 2017-07-22
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
It has been stated that J.P. Morgan Chase acquired mortgage deeds in a deal with the FDIC from Washington Mutual. My mortgage was taken out with Washington mutual in XX/XX/XXXXafter a predatory lender convinced me to refinance from a legitimate XXXX XXXX mortgage that originated in XX/XX/XXXX. Based on their claims, J.P. Morgan Chase is the creditor on my mortgage. Although I disagree, I will for the purpose of this complaint agree with the premise. I am enclosing the J.P. Morgan Chase response to my recent complaint to which they failed to answer with any substance. They did not answer the questions in the complaint at all. ( See CFPBXX/XX/XXXX in attachments ). In their response, they indicated that I received a notice that the loan was transferred. They provided a printout of a letter which they allegedly sent me, however it has matching barcodes to the current letter they sent me as well as other coding specific to my situation. There is no proof that they have provided meeting with such a letter and I maintain that they did not. J.P. Morgan Chase completed fraudulent documents in the state of Louisiana which were subsequently filed in the XXXX XXXX County recorder 's office regarding my property. I am enclosing those fraudulent documents in this complaint. In an effort to remove themselves from culpability, J.P. Morgan Chase has hired a debt collector named XXXX XXXX XXXX to attempt to collect a debt that does not belong to that under the law. On or about XX/XX/XXXX J.P. Morgan Chase filed a fraudulent substitution of trustee in the XXXX County recorder 's office signed by two individuals who can not be located as employees of J.P. Morgan Chase.  Further, the notary is a known Robo signing and has also represented herself as a vice president of the either XXXX or Chase in the past. On or about XX/XX/XXXX J.P. Morgan Chase ( or a division thereof ) executed another fraudulent document entitled " Gap Assignment Deed of Trust '' with another false vice president. I contacted the notary in this case who told me she was an employee of Chase at the time of notarization. I asked her to provide me proof of the existence of the vice president who stood before her and she stated she would not and when I pressed her further she contacted the Chase litigation department. The Chase litigation department provided me no proof of the existence of this vice president or any identifying documentation. I filed a complaint against the notary for not providing evidence with the state of XXXX Atty. Gen. 's office. In XX/XX/XXXX, once again under the direction of J.P. Morgan Chase XXXX manufactured a new substitution of trustee document by having two employees both identifying themselves as foreclosure specialist. The second employee who identifies herself as a notary in this case identified herself as various other titles however her linked in states that she is a foreclosure consultant with XXXX. This creates an unenforceable document in the state of California as the notary has a conflict of interest in that she receives compensation as a result of her notary activities. J.P. Morgan Chase does nothing to provide any evidence that a mortgage on my property is assigned to a security under XXXX XXXX. They do state in one sentence that it is, however they offered no explanation as to why my mortgage is not part of the security they name, nor is any mortgage located in the state of XXXX. This is just the beginning of these egregious fraud continued by Chase. Although they attempt to remove themselves from the activities of the servicer whom they contracted, the servicer continually violated the XXXX  homeowners Bill of Rights. In fact, in that they attempted foreclosure while I was under modification review, and have yet to provide me with information so that I can appeal my rejected XXXX Tier II modification, they are still violating the homeowners Bill of Rights.

Company response to consumer: Closed with explanation