Consumer complaint received 2015-04-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

This complaint was delayed due to a major car accident in XXXX XXXX. XXXX XXXX referenced is attached, XXXX docs, XX/XX/XXXX-XX/XX/XXXX to show the corruption of my loan. A full detailed complaint is also attached for clarification. On XXXX/XXXX/XXXX I purchased my XXXXacre horse property ; my loan- $ XXXX. In XX/XX/XXXX, my property= $ XXXX, at foreclosure in XX/XX/XXXX, $ XXXX. It sold XXXX/XXXX/XXXX, $ XXXX. My home was never upside down ; Our $ XXXX pymt do-able. I got XXXX in XXXX. In summary, 6 year+ nightmare of unethical & questionable mortgage/servicing practices as a DIRECT result of Deutsche Bank National Trust 's MALICIOUS, FRAUDULENT & INTENTIONALLY DECEPTIVE primary role as TRUSTEE for WAMU Mortgage Pass-Through Certificates, Series XXXX XXXX XXXX # XXXX. A formal, independent securitization audit was done on our Note & Deed of Trust. The Chain of Title Analysis shows in DETAIL Deutsche Bank 's blatant negligence that ultimately caused the ILLEGAL foreclosure on our family home. I had XXXX forbearance plans ( all pd in full ) ; my loan mods always denied after. XXXX of loan mod ; We sent endless credit reports, bank statements, insurance docs. It was mentally & physically exhausting ; we avg 20+ hrs/week following up, re-explaining our situation/lost bank paperwork. We had $ 600K+ equity in our home & were denied a line of credit. XXXX HAMP applications=DENIED. XXXX tried XXXX foreclosure attempts in 2+ yrs, all because we HAD $ $ $ equity. My attys sent QWRs-NO RESPONSES. My house was taken illegally on XXXX/XXXX/XXXX by XXXX XXXX XXXX ; XXXX gave XXXX a " loss note affidavit ''. Our securitization audit found multiple fraudulent issues of our NOTE. Some incl, " search of SEC filed documentation for WAMU MORTGAGE PASS-THROUGH CERTIFICATES, SERIES XXXX, XXXX XXXX # XXXX, in the XXXX database, reveals NO filing of the note w/appropriate endorsements ; no recordation of the appropriate endorsements at the XXXX XXXX County, Virginia Land Records. The Deed of Trust & paperwork filed by XXXX XXXX XXXX XXXX XXXX IS N'T COMPLIANT w/the rqmt in the Pooling/Servicing Agreement. There are no dated endorsements on the copy of the PAY OPTION ARM note assoc. w/our Deed of Trust, violating the Truth in Lending Act, Sect.131 ( G ) '' ( SA, pgXXXX ), Substitute Trustees filed by the lenders as authorized by borrower 's Deed of Trust is invalid & have been improperly filed in this case. Deed of Trust was entered in favor of MERS ; our NOTE was entered in favor of XXXX XXXX XXXX XXXX ( note originator ). ( SA, pgXXXX ). If the Deed & Note ARE N'T together w/same entity, there can be no enforcement of the Note. The Deed of Trust CA N'T enforce the Note if each contains a different mortgagee. If the Deed of Trust is NOT a LEGALLY enforceable instrument, there can be NO VALID foreclosure on the Borrower 's property ''. XXXX was n't entitled to foreclosure ; did n't have ownership to transfer our note to XXXX XXXX XXXX. ( SA, pg XXXX ), " DUE TO THE HISTORY OF THIS NOTE, WE BELIEVE NOTHING SHORT OF PRODUCING THE ORIG NOTE WILL SUFFICE TO ACCURATELY CLARIFY OWNERSHIP OF NOTE & PROPER LEGAL STANDING. W/O 1ST HAVING PROPER OWNERSHIP OF DEBT, THE BANK CAN NOT INITIATE ANY COLLECTION ACTIVITY, LET ALONE FORECLOSURE ''. ( SA, pgXXXX-XXXX ) " THE NOTE HAS TO REFLECT A MIN. OF XXXX ENDORSEMENTS SINCE XXXX XXXX XXXX. XXXX DID N'T SELL THE LOAN DIRECTLY TO THE TRUSTEE, XXXX BANK XXXX XXXX CO. IT FAILS TO MEET THE MIN RQMNTS OF THE POOLING/SERVICE AGREEMENT. '' In my bankruptcy in XX/XX/XXXX, Deutsche Bank National Trust denounced ANY claim as Trustee on my loan when they in fact were. Deutsche Banks is guilty of unethical lending practices, theft of our $ $ $ & cover-up which resulted in the illegal foreclosure of our dream home. See TV story http : XXXX