Complaint Review: Chase Home Finance

Re JP Morgan Chase Home Finance Mortgage Servicer WAMU Mortgage Loan CT Residential Property

Unfair, Deceptive, Abusive, Fraudulent, & Possible Criminal Acts & Practices occurring since January - 2011 1. Assignment of Five Different Customer Service Employees to Debtor's account over a recent 3 months period 2. Four Demands for the same previously submitted Loan Modification data over a 3 months.period and a false and deceitful letter claiming that the Application was denied because Debtor had not complied. Debtor has submitted evidence of a response in every case. . Note California class action alleging exactly the same facts 3. False/deceitful advice that Debtor does not qualify under HAMP and should engage in a short sale. Chase is aware that that the property's current value EXCEEDS debt. In fact Connecticut requires a current appraisal. 4.Fraudulent attempt to force-place Flood Insurance when current FEMA charts showed that the property was located in a NO-RISK ZONE and the such insurance was not required. Please note certified class action against mortgage servicers based on the same facts 5.Fraudulent attempt to force-place Homeowners Insurance .and revise terms by sending funds to the insurance carrier when premiums were fully paid . note an investigation by the State of New York regarding this fraudulent practice reported in the New York Times

6. Reg X and Reg Y violations respecting failures to provide notices of debt and mortgage transfers and proper dealing with written consumer inquiries as well as failure to deliver a Statement of Account since February, 2011. No transfer of Note or Mortgage has been recorded in the Land Records

7. False and Deceitful Letters claiming Chase had terminated a three month modification test when in fact Chase has never proposed such a matter. 8.Possibly Criminal scheme(Larceny by False Pretenses) by submitting on 12/12/11 an Initial Escrow Account Statement covering SIX YEARS claiming an Escrow Balance Due of $9,000+ when the Mortgage Loan / Security Documents DO NOT REQUIRE AN ESCROW FOR ANY PURPOSE. The document which declares Chase will automatically increase the Debtor's obligation has NO ADDRESS and does not permit a response. 9. TWO Assaults during the past 4 weeks on debtor's 70 year old wife alone at home by a Chase employee or agent trespassing on the premises under Instructions from Chase to validate occupancy without notice or police escort, such fact having previously been confirmed 9. Correspondence from over 10 different Chase locations often without an indication of source, including Ohio, Kentucky South Carolina, Florida. Texas, California , Colorado 10. Payment of Local Real Estate taxes without notice or consent when such sums had been deferred and not due, thus causing debtor loss of such legal rights . 11. Contempuous refusal to comply with Debtor;s previous written exercise of statutory rights to prohibit communication by electronic means , which had been confirmed by mortgage servicer;