Consumer complaint received 2024-05-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: JPMORGAN CHASE & CO. (SC)

XXXX XXXX XXXX XXXX who applied for a VA Guaranteed Loan to purchase property located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX which allegedly was located\a member of the XXXX XXXX ( when as a result of the " defective deed '' was not the case ). Having noticed the HOA management was not adhering to the Declaration on several occasions during the further few years of believing I was the owner of the property when in fact, as a result of the defective deed, I WAS NOT, I got into a dispute over the assessment collection process with XXXX XXXX XXXX of the XXXX XXXX XXXX which sometime in XXXX then engaged in " mail fraud '' by intentionally obstructing and\or delaying the U.S. Mail though the use of fake mailing addresses that I did not provide to XXXX XXXX or the Association XXXX or the U.S. Postal Service, for the sole purpose of putting me into debt collection in XXXX and keeping me in debt collection in XXXX following my discharged bankruptcy. I was notified of a " Notice of Lien '' dated XX/XX/XXXX which I disputed in writing via Certified mail on XX/XX/XXXX, included a Chase Bank Cashier 's Check for the full amount of the XXXX assessment. I received no response from XXXX, XXXX and XXXX, the employer of the Debt Collection Attorney XXXX XXXX XXXX, a.k.a. Attorney XXXX XXXX XXXX, left her employer in XX/XX/XXXX following the receipt of my Certified letter " disputing the debt or a portion thereof '' and is the sole individual who intentional kept me in debt collection, playing under the fear that I would end up as a XXXX XXXX XXXX XXXX XXXX at times which was a fear that came as result of Attorney XXXX 's efforts to cover up her misconduct as an attorney at all costs to my " life, liberty, and pursuit of happiness '', something that as a XXXX XXXX XXXX XXXX has a specific and undeniable meaning for me in my life. 

In XXXX, after contacting me under a method not authorized by me ( and after being told several times not to do so under that method ), I filed several complaints. As a result of my doing so, Attorney XXXX retaliated by filing a false HOA foreclosure complaint against me ( in addition to the false debt that was legally discharged during my bankruptcy ), seeking HOA Foreclosure and Sale via XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX The property was illegal sold at auction on XX/XX/XXXX under false pretenses and fraud upon the court perpetrated by Attorney XXXX, a.k.a. Attorney XXXX and while I had an active motion on the table, continuing to make my monthly mortgage payments until the Judge issued a ruling, Attorney XXXX contacted Chase Mortgage after the Auction, posing as a " Title Company '' instead of as the HOA Attorney Record in an effort to " entice '' Chase into filing a claim for the HOA auctions surplus funds on a case the Chase and XXXX XXXXXXXX XXXX XXXX XXXX were not a party of. While I repeatedly sought the assistance of Chase Mortgage, while Chase Serviced the loan ( and XXXX XXXX as well ) but was turned away by both based on a false claim that this matter was " HOA '' related, or words to that affect, when it was NOT ( in XX/XX/XXXX another loan server which also claimed that the matter was " HOA '' related for years to the Department of Veterans Affairs when it was not, Attorney XXXX secured HOA foreclosure through numerous acts of perjury and the subordination of perjury, collecting money that Attorney XXXX was not entitled to collect from me, securing a judgement against me, dragging this matter out until the statute of limitations ( may or may not ) expired. In XXXX, the Association published the " assessment collection process '' which was never followed by the HOA Management Company which I brough to the Court 's attention to no avail. During the summer of XXXX, after being specifically asked how much Attorney XXXX was seeking in Attorney fees ( even though a supplement hearing had been held in XXXX that Attorney XXXX never followed up again on until she successfully had the court " strip '' me of my legal counsel leading to and resulting in hearing that was held on XX/XX/XXXX. While I continued to make the voluntary payments when waiting on the Court to decide and in the hope that Justice would prevail, after the " unauthorized contact '' by the " HOA Attorney '' on XX/XX/XXXX ( both acts of contact being contacts that I not notified as Pro Se with information was shared between me and Chase Mortgage and me and XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX locked me out of the online portal effectively terminating my decision to continue to may voluntary payments with waiting for the Court to make up its mind which never happened- the Judge never or has not rule on that Motion. 

On or about XX/XX/XXXX, I contacted XXXX XXXX and was informed by the employee I spoke with that on XX/XX/XXXX, an " HOA attorney '' contacted XXXX XXXX having a conversation with XXXX XXXX as a result of the " identity theft '' that Attorney XXXX engaged in after gaining access to my private information under false pretenses, i.e. claiming that because I had taken the possession of the property in XXXX, I was responsible for the assessments which was false, when in fact the Declaration stated\states that acceptance of a deed grants membership to the Association and responsibility for paying the assessment which based on the information release by XXXX XXXX XXXX  XXXX XXXX, was defective and has been defective since XXXX a fact hidden from me and the Department of Veterans Affairs via the " errors and omissions '' of the title company that was hired to perform a title search during the closing of XXXX, failing to return the deflect deed and unclean title ( i.e. " XXXX XXXX XXXX '' ) that would have allowed this son of a Real Agency owner to " walk away '' from " deal '' that was no deal. 

Recently the new loan service engaged in " ex parte '' communication with a Judge that was assigned the motions I have filed against the XXXX and the highest bidders who are seeking a " refund ' of what they paid at auction against me instead of against the Court for granting me the surplus funds, that Attorney XXXX attempted to redirect to parties that were not a part of the action in an effort to cover up Attorney XXXX 's misconduct as an attorney ( i.e. fraud, misrepresentation, and other misconduct by an adverse party ). After the Judge declined XXXXXXXX XXXX XXXX Attorney 's offer to write up a " Form 4 '' for the Judge to sign, a few days later a " Form 4 '' written by that same attorney was signed and filed as part of the case that included as part of the evidence DOD letterhead that showed a search without enough descriptive information to identity me specifically was run even though I was not in the military, XXXX XXXXXXXX, or member of the XXXX XXXX XXXX, or words to that affect. I believe that in an effort to engage in " ex parte '' a false allegation of " stolen valor '' was present to the Judge when XXXX XXXX XXXXXXXX, XXXX XXXX was aware of my status as a " XXXX XXXX  '' who was granted a tax exemption by the State of SC as a 100 % XXXX XXXX. As there were additional false, perjured statements submitted by XXXX XXXX Attorney that included statements made by Chase Mortgage personal, after I notified Chase on or about XX/XX/XXXX that Attorney XXXX had posed as a " title company '', thereby misusing my private information to commit further acts of fraud ; my private and financial information that Attorney XXXX had obtained illegally under false pretenses, i.e. I was not a member of the HOA without a valid Deed which XXXX XXXX wants the Court to back date to XXXX so that it grants the previous owners the right to buy and then sell the house to me, which I believe is further acts of fraud, effectively " erasing my life and the history of dispute by trying to legalize the false record with another act of fraud. 

Lastly, after raising a depute over XXXX XXXX and the XXXX issue that the DOJ sued XXXX XXXX over and won, In XX/XX/XXXX, XXXX XXXX or XXXX XXXX XXXX, XXXX XXXX, purchased my current mortgage to my physical location under with I consider to be " passive harassment ''. After providing XXXX XXXX my correct mailing address, and disputing the mis-use of my physical address, after buy up my mortgage in XX/XX/XXXX ( and eliminating the need for Discovery by gaining access to my private and financial information from XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX is not sending me a bill. 

In closing, this is the twelfth year that I am without Law Enforcement assistance because when I have contacted law enforcement in the past over the course of several years, I am turned away because " the matter is in litigation, so we can't get involve '' or words to that affect, so I am left to suffer and be abused as a XXXX XXXX XXXX XXXX XXXX XXXX with no hope of relief ( the financial abuse of being a XXXX person, harassment, threats and acts of intimidation continue with other " attorneys '' ultimately acting on behalf of Attorney XXXX, a.k.a. Attorney XXXX. As such I am filing for relief.