Consumer complaint received 2016-03-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I XXXX XXXX XXXX, property owner of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, have been under EXTREME DURESS, an UNSURMAUNTABLE of Legal Abuse for almost EIGHT YEARS NOW, since XXXX when I started my first application for a Loan Modification with JP Morgan Chase Bank. The full cost can not be measured in dollars alone, this ENGINEERED Fraudulent & Criminal behavior of the convoluted chain of identities of JPMorgan Chase Bank N.A., JPMorgan Chase Bank National Association, J.P. Morgan Chase XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, have a HUGE impact on my Financial, Physical as well as Mental Health! 
My complaints are : Intentional Misrepresentation & False Claims Act ; Violations XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; Daily XXXX & Abuse - calls from XXXX to XXXX to my home phone & CEL ( Class Action - XXXX. JPMORGAN CHASE, XXXX XXXX Case No. XXXX XXXX XXXX XXXX ) ; Breach of Covenant of Good Faith and Fair Dealings, Slander of Title ; Defamation, Anticipatory Breach of Contract ( Repudiation ) ; Intentional Misrepresentation in Violation of Title XXXX XXXX XXXX : Title XXXX XXXX XXXX : XXXX USCS XXXX & XXXX : FRCP XXXX ; Title XXXX XXXX XXXX ; Predatory Lending/Violations of Truth in Lending Act, ( TILA ) ; Unjust Enrichment ; Anticipatory Breach of Contract, ( Repudiation ) ; To void or Cancel Assignment of Deed of Trust ; False Light ; home loans Modifications ; hidden loan terms ; failure to disclose fee ; unlawful fees ; servicing of home loans ; bait and switch ; Request for Declaratory Relief Under XXXX XXXX and XXXX - I have received XXXX UNSTUSTAINABLE Moficification where my payments wher equal to my gross income & not the 31 % ratio. 
MY CHAIN OF FRAUD of the Deed of Trust was carried out Electronically across XXXX STATES : XXXX obscuring identities, with false officers who under PENALTY OF PERJURY signed as VP of Chase and rubber stamped notaries, etc. The bank told me to DEFAULT TO QUAILFIY mediation but failed to disclose I would be put INTO FORECLOSURE! That on the XXXX day : Chase would file an insurance claim and POCKET THE money and, that Chase would transfer the servicing to an obscure OUT OF STATE servicer with no physical address in my County.I have now been charged for XXXX Mediations when I should have ONLY BEEN CHARGED FOR XXXX due to the servicer continuous Bad Faith Performance in Violations of Foreclosure Fairness Act, & of RESPA at XXXX mediation they were MISSING MY FULL FILE. I have sent XXXX I sent XXXX certified letters to XXXX XXXX, XXXX of XXXX XXXX Chase Bank, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX A XXXX page QUALIFIED WRITTEN REQUEST, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST, XXXX U.S.C. Section XXXX XXXX XXXX XXXX of the United States XXXX as well as a request under the Truth In Lending Act XXXX XXXX. section XXXX with DISMISSIVE RESPONSES : responses from " It is unclear as to how this request relates to a purported error on your loan ; as such, the information will not be provided '' & " The information sought in this request is proprietary information and will not be provided. Please note the origination documents are held at an off-site location with the respective custodian of records. '' I was promised a Permanent modification and after I made my full payments, on XXXX XXXX, XXXX I received a letter of DENIAL stating : " Based on a careful review of the information you provided to us, unfortunately you are not eligible for an alternative to foreclosure ... although you may have a hardship ... It is important that you make YOUR FULL MORTGAGE payment & late charges IMMEDIATELY. '' " EIGHT YEAR -STALLING PRACTICES WERE ENGINEERED Not to MODIFY but with the FULL INTENTION TO HARM!! I want a RESOLUTION & FAIR RESTITUTION to my " XXXX Dream '' turned into " My American Nightmare. '' at least A FREE & CLEAR Title to my property!

Company response to consumer: Closed with explanation