Consumer complaint received 2021-12-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Complaint against JP Morgan Chase Bank and demand for documents and disclosures under TILA, RESPA and other lending laws. 
On XX/XX/XXXX I had a closing on the property XXXX XXXX XXXX XXXX, Michigan where purported XXXX XXXX XXXX  XXXX XXXX allegedly loaned me some money to finance my purchase with the owners, XXXX and XXXX XXXX. As I later learned, XXXX was not a lender and not even originator, but merely an aggregator of my data which XXXX passed to someone else. The originator was allegedly XXXX XXXX XXXX XXXX XXXX, former XXXX XXXX XXXX XXXX who for some reason deny any involvement in my loan before XX/XX/XXXX merely as a Servicer. 
I did not see any receipts or any Proof of Lending from XXXX XXXX  because I reasonably trusted and relied on XXXX Titles agents words that the payment on my behalf was made to the sellers, XXXX and XXXX XXXX. 
I also did not know that XXXX had a prior transaction for this property, {$200000.00} Deed of Trust/Mortgage with JP Morgan Chase obtained by XXXX  on XX/XX/XXXX which was recorded in XXXX XXXX on XX/XX/XXXX. 
In XXXX XXXX had an original cabin which would worth at most {$50000.00}. In XXXX XXXX rebuilt this cabin into a house and sold it to me for {$130000.00}. Thus, it is unclear based on which appraisal report JP Morgan Chase originated this astronomic Mortgage {$200000.00} under such insufficient collateral. 
I was not able to find any Satisfaction of this alleged Mortgage on XXXX XXXX Recorder of Deeds ; and I was not able to find any proof of funding or records of my alleged Loan with XXXX XXXX, XXXX as well as any proof of lending by XXXX XXXX. All I have is information about some loan while nobody can find this loan ( money ) or provide me any proof that this loan was ever funded and any loan account receivable was established for this loan and is owned by my alleged Creditor, who is also missing. 
My alleged loan is a XXXX  loan thus must be sold to XXXX XXXX. On XX/XX/XXXX XXXX XXXX sent me a respond to my FOIA request where they said that after two years of investigation XXXX XXXX has no records of my alleged loan. 
However, XXXX XXXX agents insisted that they received a wire transfer on XX/XX/XXXX directly from XXXX account, thus they must deposit it on their escrow account and pay from this escrow account to JP Morgan Chase to satisfy their alleged Mortgage with XXXX. 
When on XX/XX/XXXX I approached XXXX XXXX agents asked for this proof of lending, XXXX XXXX agents XXXX XXXX and XXXX XXXX informed me that they are prohibited to talk to me about this matter and called Police to escort me from the office. 
Which created a reasonable conclusion that nobody loaned me any money and nobody made any other wire transfers to anyone else whatsoever. 
I am currently under attack from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX companies who send me unsigned or electronically signed letters trying to extort from me payments for unknown to me parties on XXXX letterheads based on terms of my Deed of Trust which I also never had. 
As XXXX XXXX robo-signer XXXX XXXX said was sent to you in accordance with the terms of your Deed of Trust executed when you received your mortgage loan. I did not executed any Deeds of Trust. 
The same XXXX XXXX sent me a letter on XXXX letterhead XX/XX/XXXX that my alleged loan with XXXX was originated with a Mortgage, not Deed of Trust. 
However, Deed of Trust was assigned to Steins transaction, which I believe was the original and the only transaction in securitization scheme operated by most likely XXXX XXXX ( investment branch of JP Morgan Chase ) who initiated this chain of events with perhaps criminal loan with borrowed from most likely XXXX XXXX money to pay XXXX for their signature on alleged loan which, definitely based on appraisal fraud and fatally damaged my Property Title. After this initial securitization scheme was established in XXXX no further financing is necessary, only information about financing, which someone now wants to make me to repay. 
I have absolutely no evidence that I received any mortgage loan from anyone. 
All that I have is a pile of absurd lies in XXXX XXXX XXXX XXXX computer-generated letters, a Word table called financials with some absurd numbers generated by unknown to me party but never got a copy of the Ledger for my loan account receivable or any contact with the bookkeeper who created and maintain this ledger ; direct lies from someones call XXXX employee XXXX XXXX who has no idea who is the owner of my alleged obligation ; and letter from XXXX XXXX who XXXX that they dont have ANY records about my alleged transaction starting with XXXX. 
Under existing law the XXXX must be real and money loaned must be real. 
I am entitled for material proof that my transaction was with XXXX and that real money were loaned, not merely information about money to adjust previous transaction with XXXX and replace XXXX 's name with my name in someone's securitization scheme where XXXX were the original Investors who generated a windfall of profits on XXXX XXXX who started this scheme. 
I demand JP Morgan Chase to confirm payment to them by XXXX Title or any other party on XX/XX/XXXX as a full satisfaction of Mortgage dated XX/XX/XXXX with XXXX. 
I demand a copy of wire transfer to JP Morgan Chase from XXXX XXXX or any other party which can prove that payment {$130000.00} was made on my behalf to satisfy Mortgage with XXXX. 
I demand a copy of Satisfaction of Mortgage and Release of XXXX from JP Morgan after this wire transfer was made ; and explanation why this Satisfaction of Mortgage and Release was not recorded with XXXX XXXX. 
I reserve my right to demand more disclosures after JP Morgan provide me Proof of Payment such as copy of wire transfer or cancelled check/ACH to satisfy XX/XX/XXXX Mortgage with XXXX ; and a copy of lien release from JP Morgan accountant who received this wire transfer and wrote this Mortgage off as paid in full. Please include the name and contact information for the accountant such as business address ; phone number and email address.