Consumer complaint received 2016-01-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (WA)

I am submitting this complaint as a chase bank stockholder and a mortgage holder against jp morgan chase mortgage servicing personnel in XXXX XXXX as well as new head of chase mortgage servicing XXXX XXXX and Chase mortgage banking XXXX XXXX as head of chase mortgage banking replacing XXXX XXXX who is now heading chase credit card debt collection division and under criminal and civil investigation by the Federal Trade Commission who also sued and fined XXXX previous employer XXXX XXXX XXXX Chase Mortgage of XXXX XXXX and XXXX for mortgage servicing fraud from whistleblower XXXX XXXX of XXXX, XXXX. This complaint is centered on these executives and personnel of chase XXXX XXXX unit in XXXX XXXX senior management of that loan default group as well as chase personnel in XXXX XXXX. chase personnel confessed allegedly per their testimony to my then investigator XXXX XXXX XXXX and her husband and staff of XXXX of XXXX XXXX of chase mortgage fraud regarding the current unilateral loan created by chase in transferring the loan from XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX XXXX ON BEHALF of CHASE IS MARKETING AND SELLING SERVICES FOR ALLEGED CAPABILITY FOR GETTING LOAN MODIFCIATIONS FOR A MAJOR FEE OF {$2500.00} ( IN MY CASE and then quit ). AND PRINCIPAL REDUCTIONS AND IN MY CASE RECEIVED MONEY FROM MY VETERANS PENSION FUNDS US TREASURY TO CONDUCT A MORTGAGE SERVICING AS WELL AS GET ME OUT OF THIS PREDATORY LOAN WITH NEW LOAN TERMS AFTER THE UNILATERAL LOAN ORIGINATION AND/OR LOAN MOD WITH NO DISCLOSURE ON THE ARGUMENT THAT IT WAS RELATED TO OLD LOAN NUMBER XXXX. CHASE VIOLATED DODD FRANK ACT AND OTHER CONSUMER PROTECTION LAWS AS WELL AS USCFPB REGULATIONS BY CREATING NEW LOAN TERMS INCLUDING UNDISCLOSED BALLOON PAYMENTS AND REDUCED PAYOFF PERIOD FROM 30 YEARS TO 19 YEARS. ALONG WITH NON APPLICATION OF PAYMENTS AS SHOWN ON CHASE COMPUTER SCREEN AND OTHER DOCUMENTS IN THE AMOUNT OF EXCESS OF {$100000.00} AS WELL AS UNAPPLIED ESCROW PAYMENTS AND PRINCIPAL REDUCTON PAYMENTS. XXXX XXXX AND XXXX XXXX ARE NOW IN CHARGE OF THIS ONGOING AND CONTINUING ALLEGED RICO RACKETEERING ENTERPRISE IN THE SAME FASHION AS XXXX XXXX XXXX CHASE MORTGAGE DID UNTIL SHUT DOWN BY THE FEDERALRESERVE BOARD FOR RAMPANT FRAUD IN MORTGAGE SERVICING AND PREDATORY LOAN ORIGINATION,. HOW THE SAME PEOPLE IN EMC MORTGAGE FINED BY THE FEDERAL TRADE COMMISSION ARE BACK IN CHARGE INCLUDING THE FORMER CEO OF CHASE SECURITIZATION DEPARTMENT DOING ALLEGEDLY THE SAME THING THAT FTC fined XXXX XXXX XXXX mortgage for. my original loan conceived in fraud and misrepresentation by omission of balloon payments on first trust loans and other key terms in second trust loans that were fully approved and underwritten by emc bear stearns chase personnel including illegal and improper RESPA and TILA non-disclosure. CFPB regulations demand that full disclosure and official notice of new loan number be given to consumers when mortgage servicing is transferred to a another party or bank or other company.to date that official notice has never happened in violation of us cfpb regulations. us law and national mortgage settlements require to give all homeowners equal treatment of principal reduction and conversion of chase arm predatory loans to fixed rate low risk mortgage loans. to date chase has charged me over {$10000.00} in fees for emc chase in house loan mods, denied me hamp modifications and continue to market to me loan mods on a a loan I never applied for. have no loan docs for have no mortgage statements and now refuse to send me hard copy in us postal service mail monthly mortgage statements. all these activities violate us cfpb consumer protection regulations and consumer protection laws. promulgated by us cfpb.