Consumer complaint received 2025-01-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JPM Chase, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX, Website : www.jpmorganchase.com, had originated a 2nd HELOC on my house in XXXX. When the great housing financial crisis hit, they potentially modified and zeroed out the loan in preparation to receive government crisis bailout money. The bank neglected to disclose this in final disclosure workout statements. XXXX decades later, XXXX nefarious foreclosure scammers partnered together to launch a XXXX XXXX Foreclosure Scam on my family. 

These scammers partnered together to setup a scheme where they try to foreclose my house in the middle of XXXX XXXX, hoping no one is home to mitigate the crime. There was no notice and warning, no debt validation, no loan info, no Notice of default, no 2nd mortgage affidavit, no foreclosure notices for the loan, no CURE, no payoff, no timeline of debt - statute of limitations pursuant to ( FDCPA ), Code of Virginia 8.01-246 ( 2 ), Virginia 8.01-246 ( 4 ).

Fortunately, the foreclosure auction was canceled due to winter storm, shutting the government down for days. My family just got lucky. We are suppose to be homeless today if not for the grace of mother nature.

The biggest issue right now is no one can source the JPM documents from XXXX  years ago to validate this debt. Again, JPM took government bailout money on a condition that these loans that were in good standing, but under water, would be paid off, modified, settled, or closed out. But they did not disclose the settlement to customers or new buyers causing nefarious entities to pick it up later and play games with our lives. 

This scheme would have been an epic success if it wasnt for the winter storm of XXXX in XX/XX/XXXX, XXXX, and XXXX. The storm shut everything down. 

I am requesting disclosure compliance from JPMs SOP ( standard operating procedure ) related to XXXX XXXX execution of financial crisis rescue. JPM had SOP designed to show that they will follow strict guidelines during the acceptance process of government bailout. This is for 2nd lien SOP - HELOC during XXXX XXXX. Further to that, I need all records for deed loan number XXXX, XXXX XXXX ( previously XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ). 

This should include but not limited to Loan Application, Approval, 1st & Last Payment, Fees & Interest, 1098, 1099, emails, regular & certified mail, phone transcripts, modification review, payoff, and final write-off. This is an urgent matter to mitigate an ongoing foreclosure scam launched on my family using JPM lax disclosure records. The scam has caused untold damages. Again, they did this during XXXX XXXX and new years XXXX, withing XXXX  days. And it is still ongoing. My family is living in darkness, waiting for the next auction where they will re test the scam. 

RECAP : XXXX XXXX XXXX entities took advantage of JPMs lack of loan disclosure during the housing crisis of XXXX to conduct a scheme where they placed a foreclosure ad on washingtontimes against my house XX/XX/XXXX. Since then, the threats, attacks, and phone calls keep coming from new entities. This is what happens when a debt collector leverages lack of disclosure from JPM to go above the law to foreclose without even telling you. Once they listed my property, everyone started calling and harassing my family nonstop. Strangers are parking outside my home and realtors posting notes to my door. The stress is coming from all over and its endless, disrupting life, finances, work, and family.

This scam came out of no where and they put the foreclosure ad without even telling me. I have no notice or anything. I found out after someone else saw the ad during holiday?

I dont know anything about the debt, last payment, origination, or HAMP Modification related to it. This loan is XXXX XXXX XXXX, being collected by an unknown LLC appearing out of no where, in the middle of holiday? Am I still living in XXXX? This is nuts.

Company response to consumer: Closed with explanation