Consumer complaint received 2024-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is a complaint against Chase who claims that it provided two ( 2 ) same day mortgages to me when I purchased my apartment. Based on our recent interactions and a thorough review of all papers concerning this purported mortgage, I am troubled that potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have also negatively affected me, my credit rating, account and/or the purported debt. The property records for XXXX XXXX do not have any Note that has ever been recorded by Chase for the amount Chase claims and there is no mortgage that bears my name, XXXX XXXX, on its face or has anything to do with the documents I executed when I purchased my property. 

The recorded version of fraudulent defective documents show first page titled Mortgage for unknown XXXX XXXX followed by a second page titled XXXX XXXX XXXX XXXX XXXX ownership recorded in the XXXX XXXX Office of the Register of the City oXXXX XXXX XXXX  XXXX on XX/XX/XXXX, in XXXX XXXX XXXX XXXX whereas XXXX XXXX, Page XXXX for XXXX corresponds to unknown XXXX XXXX XXXX XXXX XXXX, New York XXXX 

My, XXXX XXXX, condominium is at XXXX XXXX XXXX in XXXX, New York. 

Followed by page 3 titled XXXX XXXXXXXX XXXX which appears to be superimposed on a different document in the center of the page, JP Morgan Chase inserted another page which, based on a simple mathematical count, is a XXXX page of the recorded fraudulent documents whereas the said forth page states Page XXXX, Loan Number : XXXX. Notably, the first page of the recorded version is NOT paginated and does not have any Loan Number printed on the top in an effort to deceive and defraud. 

My investigation revealed that there are at least 4 identifiable mortgages with at least two FRAUDULENTLY issued Mortgages, with 3 existing within the XXXXXXXX XXXX which the alleged mortgage loan originator and its co-conspirators illegally and unlawfully obtained without authorization, after Over-Appraising the subject property, using XXXX XXXX name and property address for the sole purpose of unjustly enriching themselves. 
Furthermore, based on the investigation, JPMorgan Chase and its co-conspirators utilized two account numbers both ending in XXXX : XXXX but see XXXX which Chase also billed as a credit transaction around the same time. 

In perpetrating their fraudulent schemes against me, numerous Federal and State Statutes were violated, as a result. I was defrauded by the mortgage loan alleged originator JP Morgan Chase, the alleged predatory mortgage lender, working in concert with the other conspirators, Title company, Appraiser etc to deceive me about the terms and conditions of the alleged purported mortgage loan transaction as JP Morgan Chase refused to produce documents and a detailed answer to my Qualified Written Requests that Chase is obligated to provide by law. 

Furthermore, the said recorded version at XXXX XXXX property records demonstrate multiple singled out pages from multiple purported unpaginated documents, that were purposely mismatched, as JP Morgan Chase Bank, N.A JP Morgan Chase the alleged predatory mortgage lender, working in concert with the other conspirators, Title company, Appraiser etc deceived me about the terms and conditions of the alleged purported mortgage loan transaction. 

I equally respectfully points out that JP Morgan Chase Bank has NEVER submitted any Wet Ink Note for my inspection that I repeatedly requested. 

It is clearly a significant and grueling controversy brewing between the parties and a pressing need for a formal investigation and to determine the validity of the alleged purported Unrecorded Note and alleged Mortgage. 

In light of the above, I submitted my Qualified Written Requests for Chase to provide me with the documents and a detailed answer to each of my questions. 
As of today, I have not received a detailed answer verified with certified true and complete accompanying proof. I submitted a Second Qualified Written Request via certified mail and received by Chase on XX/XX/XXXX at XXXX. In return, I received a five page letter dated XX/XX/XXXX ( attached ) that states Heres your mortgage loan payoff quote which Chase mailed to me ( Payoff Quote Letter ) in response. First, no acknowledgement of receipt has been received from Chase within 5 business days as mandated by RESPA. Second, I did not request a payoff quote from Chase but requested Chase provides me with the documents and a detailed answer to each of my questions to my Second Qualified Written Request within the lawful time frame. 
Attached is my Third Qualified Written Request Under RESPA, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST where I request Chase to provide me with the documents and a detailed answer to each of my questions. Any direct rebuttal with certified true and complete accompanying proof must be posted with the Notary address and signed by a current and duly sworn under oath director ( s ) of Chase or any transfers, agents or assigns for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX business days in accordance of and in compliance with current statutes and/or laws. 
I kindly request Chase acknowledges receipt of my Third Qualified Written Request ( as both of my First and Second Qualified Written Requests remain unanswered ) under RESPA, COMPLAINT, DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST ( attached hereto ) and provides a detailed answer to each of my questions as memorialized in writing in my request pursuant to federal, state and local laws and regulations. ( Copy attached ). 

Please investigate.

Company response to consumer: Closed with explanation