Consumer complaint received 2023-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
Loan # XXXX VA Case Number XXXX J. P. Morgan XXXX Chase Bank was to do a home loan application process where all records I signed off on were to be completed before starting any processing of such loan application. I signed such VA Form XX/XX/XXXX XXXX under the intention that this form will be completed by all persons or parties where a signature is required and J. P. Morgan XXXX  Chase were not charged any card that I surrendered on file to be charged until everything was approved and everything is in order. 

Keep in mind that I signed such a record on XX/XX/XXXX, and no VA appraisal was to be done or conducted until all the forms were completed.

As of this date, the Department of Veterans Affairs has not informed me that they have completed such records or authorized or approved such appraisal to be performed or to be conducted.

An alleged appraisal was claimed to be performed without the Department of Veteran Affairs ' knowledge or consent and such appraisal was disputed by me and reported by me as unethical. Which I disputed as not properly conducted with proper approval. 

Now that time has elapsed here such paperwork should be easy to come by. Please produce such records and my consent form under Form XXXX that you have tried others to use in nature to this claim of fraudulent and discriminatory practices. 

I want the PROPER LEGAL RECORDS and the regulations to support your records to validate your statement and practices performed. 

____________________________________________ Executive Office ( Mail Code XXXX ) XXXX XXXX XXXX XXXX, OH XXXX RE : Dispute due to illegal transaction which is FRAUD. Reference Numbers : XXXX, XXXX, XXXX and XXXX Dear J. P. MORGAN CHASE LEGAL DEPARTMENT : Show me in your written rules , regulations, policies, and procedures that you have such rights under the laws of the United States of America that you have such rights to administer Form 4506-C upon anyone period when you are only a credit bureau agency. 

Show me in written form saying that if I dont consent to signing such paperwork, I will be held liable for any charges they wish to pose against me. Its in the records and it is a part of this dispute. I refused to sign, and you want to charge me {$500.00} and report this illegal scheme to the credit bureau agencies in an attempt to intimidate me. I want your legal counsel of record direct contact information to address this and bring this out in a court of law. 

Produce and provide me with the official and written contract that I signed, making me fully legal, liable, and responsible for the debt you claim in the amount of {$500.00}. This is an unauthorized charge without any proper paperwork, or records to support such and this needs to be removed from my credit profile for I never authorized or received any such that they claimed that I purchased. 

This is FRAUD and if this is not Fraud then produce the Department of Veteran Affairs XXXX XX/XX/XXXX XXXX and all the written authorization paperwork from the Department of Veterans Affairs. 

Failure to produce such official and legal paperwork in the next XXXX  days validate fraud and you should send over your legal counsel of records direct information for further contesting. 

You have the right to get such paperwork from the creditor claiming such. If you dont get such information from the creditor, it validates fraud and serious violations under the Federal Debt Collection Act.

If we do not approve your application, we will refund the Good Faith Funds you paid, minus any costs we pay for you, such as appraisal fees Please produce the Department of Veterans Affairs records signed off on. VA XXXX XX/XX/XXXX XXXX. NO EXCEPTIONS The merchant has had well over enough time to get the official and legal signed-off record to support this debt claiming owed. 
Sincerely, XXXX. XXXX

Company response to consumer: Closed with explanation