Consumer complaint received 2024-09-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MI)

XXXX, XXXX and demand for disclosures under TILA to provide me name and direct contact information to the Creditor [ one of these alleged Creditors is JP Morgan Chase, according to lawyer XXXX XXXX from XXXX XXXX XXXX. JPM Chase is also a Servicer who paid for my home insurance from undisclosed to me funds and under unknown to me authority ] and its authorized employee who has personal knowledge about accounting and bookkeeping and who can can properly authenticate and verify who paid money for the debt and who is entitled to receive and who actually receive my money and who can explain all charges and fees. 
Pursuant to TILA 15 USC 1641 ( f ) Treatment of servicer ( 1 ) In general A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as an assignee of such obligation for purposes of this section unless the servicer is or was the owner of the obligation. ( 2 ) Servicer not treated as owner on basis of assignment for administrative convenience A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. ( 3 ) Servicer defined For purposes of this subsection, the term servicer has the same meaning as in section 2605 ( i ) ( 2 ) of title 12. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, [ now XXXX XXXX  XXXX ] filed a Claim in my bankruptcy case Re : XXXX where XXXX XXXX claimed that XXXX XXXX XXXX, XXXX is my only Creditor who did not accrued this Claim from anyone else. 
XXXX XXXX also attached forged, fabricated Assignment of Mortgage dated XX/XX/XXXX where XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX XXXX allegedly transferred XXXX alleged loan from defunct since XX/XX/XXXX broker XXXX XXXX  XXXX to faux servicer XXXX XXXX  XXXX XXXX for good and valuable consideration On XX/XX/XXXX lawyer XXXX  told XXXX XXXX that here are OTHER investors who own the Note XXXX owns part of the Note, JP Morgan Chase owns part of the Note [ see attached Transcript, pages XXXX ] In support of this Claim lawyer XXXX fabricated her own financials which do not match data on financials provided to CBPB and to me by XXXX. 
On XX/XX/XXXX lawyer XXXX told XXXX XXXX that she does not know if XXXX paid any money for the debt which is a mandatory requirement under UCC Art 9-203 to collect alleged debt from me. See attached On XX/XX/XXXX lawyer XXXX told XXXX XXXX that she does not know where I got financials [ sent to CFPB me by allegedly XXXX. Lawyer XXXX said that she does not know where I got these financials which allegedly coming from XXXX in response to my CFPB complaints and she does not know why I am repeatedly charged {$24.00} late fee for each transaction and over {$300000.00} in legal fees for unknown to me lawyers and unknown to me litigation- but XXXX  insisted that these fees are collectable from me and are my future liability. 
Lawyer XXXX insists that information filed " by XXXX '' with CFPB in response to my complaints was not properly authenticated and not complete, which creates a reasonable question where lawyer XXXX gets her own data from to present it to XXXX XXXX. 

In other words, lawyer XXXX told XXXX XXXX that she needs a verification and authentication of this data from the Creditors authorized employee who has personal knowledge that data provided to me in response to my Complaint to CFPB is in fact coming from XXXX ; created by XXXX  accountant or bookkeeper and reflects entries on the ledger for the account receivable owned by this Creditor [ here : XXXX and JP Morgan Chase who as lawyer XXXX insisted on XX/XX/XXXX are my Creditors ] Moreover, according to XX/XX/XXXX billing statement my current regular payment is {$690.00} and past unpaid amounts are also {$690.00} Escrow payment appeared to be {$130.00} paid last month [ XX/XX/XXXX ] and my current payment is {$91.00}. 
According to XXXX Escrow Review from XXXX XXXX XXXX  XXXX XXXX showed that in XXXX my Escrow payments were {$130.00} per month and in XXXX they were {$130.00} per month. XXXX XXXX who insists that data provided to CFPB by XXXX is not complete and not properly authenticated demanded from me {$190.00} per month and during all time in question [ including last month ] I paid {$190.00} for escrow, not {$130.00} as appear on billing statement and not {$91.00} as stated in escrow review which suppose to be started on XX/XX/XXXX. 
Pursuant to RESPA, all escrow surplus must be immediately returned to me. It never happened. I am continuing to pay {$190.00} per month for escrow. Please explain why I am charged {$190.00} if according to XXXX XXXX XXXX XXXX escrow reviews '' my escrow in XXXX was {$130.00} ; in XXXX it was {$130.00} and starting from XX/XX/XXXX it is {$91.00} ; why nobody refunded me my overpayments and I demand to refund me my money immediately. 
Please provide me written written acknowledgement from an authorized individual employee [ an accountant or bookkeeper ] who has first-hand knowledge that Servicer JP Morgan Chase and its sham company XXXX, XXXX are hired and authorized by XXXX and receive money to pay for my home insurance from XXXX. 

Please provide me written written acknowledgement from an authorized individual employee [ an accountant or bookkeeper ] who has first-hand knowledge that XXXX XXXX  XXXX XXXX dba via its sham XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are hired and authorized by XXXX and received money to pay for my property taxes from XXXX. 

On XX/XX/XXXX I was again billed {$3600.00} for litigation fees [ {$980.00} + {$2600.00} ) Please provide me name of the lawyers who billed these fees and copies of their billing statements to verify these charges and the name of insurer who paid for these fees. 
Please disclose that Servcing advance {$7900.00} was paid for ; who paid this servicing advance and who received it. 
According to lawyer XXXX own words, all these fees are my future alleged liability which will be collected from me later. 
Please provide me a written acknowledgement from an authorized individual employee [ an accountant or bookkeeper ] who has first-hand knowledge that XXXX XXXX  XXXX XXXX XXXX and who can verify and authenticate that XXXX  is in fact my creditor who purchased the alleged underlying obligation, paid valuable consideration, how much XXXX paid and to whom ; and that they have a record of such purchase which I demand to provide me. 
I demand XXXX  authorized employee who has persaonl knowledge to provide me a written acknowledgement that XXXX is in fact the Claimant in case XXXX, re XXXX XXXX that XXXX  hired and authorized law XXXX XXXX XXXX to represent XXXX  as the only Creditor in my case ; and provided documents and instructions to lawyer XXXX  XXXX 
I also demand disclosures under TILA 15 USC 1641 ( 2 ) ( f ) to provide me the name and contact to all investors who paid money for the debt, who is entitled to receive my money and who actually received all my money and I am entitled to meet and speak with an authorized employee of the CREDITOR who has personal knowledge and who can authenticate all documents ; all transaction and how much exactly I owe and to whom.