Consumer complaint received 2025-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am the duly court-appointed Successor Trustee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the legal titleholder of the real property located at XXXX XXXX XXXX XXXX XXXX, California. XXXX XXXXXXXX is irrevocable and subject to the fiduciary and legal protections afforded under California Probate Code XXXX and related state and federal law. I was appointed in XXXX following the resignation of the surviving Co-Trustee, and I have continuously maintained legal authority and record title on behalf of the XXXX since that time. 

In XXXX, XXXX XXXX XXXX XXXX, a named beneficiary of the XXXX but never a trustee, grantor, or vested titleholder, recorded a {$40000.00} mortgage loan through false and fraudulent representations. To effectuate this loan, XXXX XXXX XXXX XXXX submitted a falsified Affidavit of Death that declared the Trust 's surviving remainderman, XXXX XXXX XXXX, to be deceased. In doing so, he intentionally misrepresented her as the same person as the deceased XXXX, XXXX XXXX XXXX, who had passed in XXXX. Moreover, the affidavit was signed under the name XXXX XXXX XXXX, impersonating his deceased father, XXXX XXXX XXXX XXXX, who had died in XXXX. These actions resulted in the unlawful removal of the property from XXXX title and enabled XXXX XXXX XXXX XXXX to obtain a mortgage loan without trustee consent or legal authority. 

The home was returned to Trust title via a Correcting XXXX Deed recorded in XXXX, rectifying the unlawful conveyance and removing XXXX XXXX XXXX XXXX false claim of ownership. Since then, the XXXX has maintained uninterrupted legal title. In XXXX, I submitted a formal declaration to Chase Bank, including a recorded XXXX XXXX XXXX, documentation of my fiduciary appointment, and supporting evidence of the mortgages fraudulent origin. I followed up again in XXXX after learning Chase continued to treat XXXX XXXX XXXX XXXX as the borrower of recorddespite his having no legal or equitable interest in the property for nearly XXXX decades. 

As Trustee, I requested the following actions from Chase : Apply the existing escrow balance of approximately {$3800.00} to pay off the remaining loan balance of {$1900.00} in full ; Remove XXXX XXXX XXXX XXXX from all servicing records and borrower designations ; Issue a Reconveyance Deed to clear the lien from title ; and if necessary, Reissue a corrected Deed of Trust, titled to : The XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Successor Trustee Rather than comply, Chase offered only XXXX options : a loan assumption or full refinance, despite acknowledging that these options would incur substantial costs far exceeding the remaining loan balance. These proposals are procedurally and legally inappropriate, as I am not a borrower, nor am I seeking to assume or renegotiate a loan that was wrongfully originated. I am solely seeking to fulfill my fiduciary obligation to protect XXXX property and clear title, as authorized by XXXX XXXX XXXX et seq. 

Chases continued refusal to acknowledge XXXX ownership, remove the fraudulent borrower, or issue a reconveyance has resulted in material harm to the estate. This includes : The loss of homeowners insurance due to unresolved lien history, Clouded title that has interfered with lawful eviction proceedings, The unauthorized use of XXXX property as collateral in subsequent transactions, And the continuation of a fraudulent servicing relationship with a non-owner. 

Despite holding all necessary legal authority, documentation, and historical proof, I have been forced to assume the burden of correcting a failure created by Chase 's lack of due diligence in XXXX and its continued inaction. The estate now faces mounting legal expenses, title issues, and damage to XXXX integrityeach of which could have been avoided had Chase fulfilled its obligations as a mortgage servicer to investigate and respond in accordance with regulatory standards and fiduciary responsibility.

Company response to consumer: Closed with explanation