I HAVE FRAUDULENT MORTGAGES WITH NO MODIFICATION AND NO PRINCIPAL REDUCTIONS FROM JPMORGAN CHASE BANK NA
Update by user Jan 12, 2015
it has NOT been resolved.
if it has been resolved, i would tell you so!
Original review posted by user Dec 11, 2014
3813 Huron Avenue #5Culver City, California 90232-3844
Thursday, December 11, 2014
c/o V.I.P. Corporate ExecutivePISSEDCONSUMER.COM1732 1st Avenue Suite #25581 New York, New York 10128
Regarding: Very Serious Complaint Involving My (2) Two Existing Fraudulent Mortgages With JPMorgan Chase Bank, N.A.
Regarding: I Need HELP With My Bank Into Either Getting Me Loan Modified And/Or Receiving A Principal Reduction On Both Properties
Regarding: Loan Numbers: # 3014677839 and # 3014678183
Dear PissedConsumer.com Executive:
Good Morning or Good Afternoon to You!
How is your day today in sunny New York, New York?
My day is going fine, thank you, except due to the Fact that I have had a very Long, Frustrating and Disgusting Battle with JPMorgan Chase Bank, N.A. and I did write to You before about my complaint about (1) one to (2) two years ago, however, at that time, I was Not able to get the type of assistance desired and so I was encouraged to correspond back to You again at a later time regarding my Very Serious Complaint and in providing You with any Updated Information and/or Events in order for You to HELP me with my (2) Fraudulent and Illegitimate Mortgages that I still hold.
I was Honestly hoping that I could work out my (2) Two Fraudulent Mortgage situations with the bank, but apparently it is Not working out and so my Only resource at this time is to sit and write You out my letter requesting Your HELP, ADVICE and LEGAL INTERACTION with the bank in order to get them to do something about these (2) Two Fraudulent Mortgages for ME such as offering ME a real Loan Modification and/or Principal Reduction because at the present time, they have done absolutely NOTHING FOR ME, except to see me continue to suffer and that is all!
Please NOTE: If I had already received the HELP, then I would NOT be bothering You anymore! Obviously!
Here Is My Background On My (2) Two Fraudulent Mortgage Cases In Order To Give You A Better Understanding Of What I Have Gone Through So Far: About nine (9) years ago, I got involved in getting approved for (2) two loans for (2) townhouses (without even verifying my income or job or anything!) and on both loans, I put down $100,00.00 towards each property which came out of my lifetime savings in order to give me a better monthly mortgage.
Anyway, when I got the (2) mortgages, I had NO idea of what I was getting myself involved in and thought that I had a very good deal, however, several years later, I found out that NONE of the Money that I had put down (if I am correct), plus ALL of the Monthly Mortgage Payments (throughout those years) ever went towards the PRINCIPAL BALANCES for each property, plus something called "Negative Amortization" had also been ADDED on to BOTH Mortgages throughout all of those years as well (without telling me, nor informing me) and today, I am NOW stuck with (2) Two Underwater Loans that are still 100% Unaffordable and I am ONLY NOW able to barely pay the Minimum Payments due each month and sadly, I must rely 100% on my Monthly Rental Income in order to pay for BOTH OF THOSE MONTHLY MORTGAGES since I am on a Limited Income with Disability and therefore Unable To Work!
Please NOTE: The bank has Definitely Taken Advantage Of A Disabled Person and up to this Date, has Refused To Do Anything About It!
Recap: The (2) Two Rental Incomes that I generate barely pays for the Monthly Mortgages and NONE of this Money ever brings down the Principal Balances, Plus the Negative Amortization Still Continues to this date!
About (3) Three Years After Starting With Those (2) Two Mortgages: I did try to Refinance both of my mortgages and even Moved Over Some Of The Money that I had tied into my Culver City Condominium Property where I still live today (in order to make the Monthly Mortgage Payments Cheaper), but instead of the Mortgages going Down, they went UP!
After all of this occurred, I did try to get Loan Modifications on BOTH of my properties with JPMorgan Chase Bank, N.A. and they of course, Turned Me Down and Denied ME and gave me many Lies and Excuses of Why they could Not modify me, such as that they Never Received My Paperwork!
When they did this to me so many times, I then Sued Them in Small Claims Court for Lying To Me and they settled out of court by giving me a check for the small amount that I had asked for which was just a few thousand dollars, however, this did Not solve my Continuous Problem!
Later On Down The Road: I found out through the mail that JPMorgan Chase Bank, N.A. was hosting an Open House and had invited ME personally to come to one of their buildings that they were holding it at in order to meet with their Loan Modification Specialists and file through them in the hope of Getting Loan Modified. I did take advantage of this opportunity by going through the horrible and lengthy paperwork process with them to just eventually get Turned Down And Denied Again, for Invalid Reasons, of course!
The *** And Nightmare Continues: I was so angry and frustrated in How they had Mistreated, Lied and Abused ME as their Mortgage Customer that I decided to contact Ms. Laura Francis from Hopper Realty at: 626-815-2600 or email@example.com who was the Real Estate Agent at that time who sold me the properties for further advice. Her recommendation was to hire the Law Offices Of Todd Becker located at: 3750 East Anaheim Street Suite #100, Long Beach, California 90804-4016 (888) 436-4589 & (562) 495-1500 or firstname.lastname@example.org & email@example.com and go through them in order to get the Loans Modified and claimed that they were supposedly Very Successful at doing so and had a Very Good Reputation in the business and so I took her advice.
When I met with Christopher Collins who was one of their legal assistants working at the law firm at that time, he told me that I had to pay them $3,000.00 upfront (in which a new law came out just a few months afterwards preventing attorneys from charging those fees upfront) in order to get Loan Modified and claimed that he could do it, however, they tried to get ME Modified At Least Three Times In A Row and for each time that they had tried, the bank would continued to Turn Me Down and Reject Me by changing their reasons every single time and after working with this very Unsuccessful Law firm for about one year plus out of My Life, they finally told ME that there was NOT much more that they could do for ME and I even asked Mr. Todd Becker who is the Principal Attorney of the law firm if he could take on My Case and File A Lawsuit against JPMorgan Chase Bank, N.A. and he Refused stating that he believed that it was just simply, "Not Worth It"! Maybe he was Right, Who Really Knows?
At that point in TIME, I felt extremely HELPLESS and ANXIOUS to seek out HELP in which I still have NOT received as of yet, however, I did NOT give up the FIGHT!
I then went ahead and consulted with another attorney about my (2) Fraudulent Mortgage Cases whom I was referred to from another attorney. The NEW attorney that I met with specializes in Consumer Law with 25 years of experience and his name is Mr. Martin D. Gross from the Law Offices Of Martin D. Gross located at: 2001 Wilshire Boulevard Suite #205, Santa Monica, California 90403 (310) 453-8320.
While meeting with Mr. Martin D. Gross in his office, we had discussed my case in quite some detail and he felt confident enough to take on my case for $15,000.00 for the (2) Two Fraudulent Mortgages in order to get JPMorgan Chase Bank, N.A. to do Something Constructive And Positive About It and we had worked together for about (3) three years on the cases in which the court appearances started around Monday, August 13, 2012 through the Los Angeles Superior Court located at: 111 North Hill Street, Los Angeles Department #54 Room #512, Los Angeles, California 90012 (213) 974-6968 whereby he filed my lawsuit under Case Number: BC486365 and the Judge that heard the Case was Judge Ernest Mitsuo Hiroshige.
I truthfully believed and trusted my attorney because he is a very good listener, communicator and writer and through the legal process I had the opportunity to read his Initial (20) Page Long, Detailed Complaint that he had written against JPMorgan Chase Bank, N.A. stating that they have Committed Fraud, Including Conducting Bad Business Practices on Both Of My Loans which are still Not Legitimate to this date. Shortly after he filed it, he got a response from one of JPMorgan Chase Bank, N.A.'s Attorneys who said something to my Attorney about offering ME some kind of proposed Modification in writing if I went ahead and gone through the whole, lengthy, time consuming, annoying paperwork process again of supplying the SAME documents like before with the HOPE and PRAYER of Getting Modified and I also had to Agree to Dismiss The Case "With Prejudice" (which was Nothing, but Blackmail), however, it was ALL "NOT GUARANTEED", nor signed for In Writing, whatsoever according to the NOTES that I have provided to You in the attachments. and since their proposed Modifications were "Not Guaranteed" in writing, I told my Attorney, "No Way"!
Please Note: Another Good Reason of Why I said "No" was also because since I had already tried to go through the SAME, ***, Paperwork Process and get Modified (3) Three Times In A Row through the Law Offices Of Todd Becker and that already did Not work out In My Favor, then Why would it work again This Time Around?
Furthermore, both my attorney and I decided to continue with the Lawsuit and once JPMorgan Chase Bank, N.A.'s attorney received our complaint, they then in turn filed a Demur (or Response) with their side of the story trying to claim that JPMorgan Chase Bank, N.A. is NOT Responsible for My Loans (that they are In Charge Of) and for whatever happened to My (2) Two Fraudulent Loans before JPMorgan Chase Bank, N.A. took them over, it was again Not Their Responsibility since the (2) Two Fraudulent Loans came from WAMU in the first place.
Between my attorney and the defendant's attorney and the court, the Demurs, Case Management Sessions and Amended Complaints went back and forth for months and to be Perfectly Honest With You, the Judge was taking the Defendant's Side The Whole Time in making my case Extremely Difficult for my Attorney by trying to get him to keep on Rewriting the Answers, Demurs, etc. and in getting him to Amend the Complaints all the way to the Very End, that I Ended Up LOSING THE CASE for Invalid Reasons and NEVER RECEIVED any type of HELP from the Court, nor the Bank!
On A More Somewhat Positive NOTE: Just after this whole Negative Disaster came to and End, the ONLY Good Thing that happened later on back in the year of 2013 is that I had received a One Time Check in the Amount of $2,000.00 which came from the Independent Foreclosure Review that was held across the country for Qualified Homeowners Who Apparently Had Suffered Some Hardship With Their Bank and I ONLY Qualified for this Very Small Check which did NO Good For ME, except ADMIT that JPMorgan Chase Bank, N.A. obviously was and is still in the WRONG!
Please NOTE: The sad part about this check is that it did NOT Get Me Any Loan Modifications and it did NOT Get Me Any Kind Of Principal Reductions for BOTH of my Mortgages in which I still Need Very Bad!
If you would like to review and read my Attorney's Written Complaints, Demurs and/or Amended Complaints with the Court and the Defendant's Attorneys and their Responses, then please type the following URL Links:
If you would like to view my whole Court Case from beginning to end in more detail, then please visit: www.lacourt.org/casesummary/ui/Then enter: Case Number: BC486365Then enter: Filing Courthouse: Stanley Mosk
CONTINUING ONWARDS: My attorney has had several conversations both on the phone and via email with the defendant's attorneys during the trial and if You would like to get in contact with any one of them, then here is their information for your reference:
Ms. Sally Mulligan, Vice President & Assistant General CounselJPMorgan Chase Bank, N.A., 194 Wood Avenue SouthIselin, New Jersey 08830Phone: (732) 452-6651 & Fax: (732) 452-8035Email: firstname.lastname@example.org
Ms. Janice Allende, Esq. / Legal & Compliance BankingJPMorgan Chase Bank, N.A., 194 Wood Avenue SouthIselin, New Jersey 08830Phone: (732) 452-8997 & Fax: (732) 452-8044Email: email@example.com
As A Friendly Reminder: These two attorneys above have made False and/or Fake Pretenses and/or Proposals to Modify ME, but it was NEVER Promised, nor Guaranteed to ME In Writing with a Date and Signature! In FACT, I felt very Uncomfortable with their Malicious Proposal because there is a Stipulation and/or Tactic that they were using to Manipulate and/or Blackmail ME by stating that I Must Dismiss My Court Case With Prejudice First and Then They Will Consider and/or Think About Deciding Of Whether They Want To Modify Me Or Not!
This is NOT a Promise, nor Guarantee, and then they wanted ME to fill out ALL of the SAME *** paperwork Again, just like before and go through the same Abuse and Torture that they had already put me through like when I went through the Law Offices Of Todd Becker to do the Exact Same Thing in which I got Nothing, but Turned Down and Rejected, Three Times In A Row, Unsuccessfully!
Enclosed, in the attachments, please find the following documents for your further review and reference.
Pages 1-3: Conversations That My Attorney Had With The Defendant's Attorneys When They Tried To Blackmail Me Into Dismissing The Case With Prejudice With The HOPE Of Getting Unsuccessfully Modified!
Page 4: Proof Of The $2,000.00 Refund From Fund 1 Independent Foreclosure Payment QSF Paying Agent - Rust Consulting, Inc. - 2013.
Page 5: Conversation That I Had With My Attorney About My Court Case Back On Friday, April 19, 2013!
Pages 6-8: Court Case Summary Number # BC486365 Lawsuit Filed Showing The Documents Available For Viewing.
My Final Thoughts: All that I want is HELP with and from My Bank! Not Games! Not Lies! No Fake Proposals! Not Fake or False Promises! Just Real, Honest, Legitimate HELP to Get either Loan Modified and/or a Generous Principal Reduction and so far, I have Received NO HELP! ZERO POINT ZERO! .....and that is Why I am coming to You for Help Once Again!
If you would like to get in contact with me in order to discuss my Letter Of Serious Complaint And Disgust in further detail, then please contact me on my cellular phone number at: 323-514-2779 or computer phone number at: 323-786-2779.
You may also email me back at: HOWARDPAULSHORE@GMAIL.COM or PRIVATE_EXECUTIVE@YAHOO.COM.
You may also write back to me at:
c/o Mr. Howard Paul Shore3813 Huron Avenue #5Culver City, California 90232-3844
I am more than looking forward to hearing back from You with a Positive Response some time in the very near future.
Howard Paul ShoreAngry, Upset, Pissed Off And Beyond Frustrated JPMorgan Chase Bank, N.A. Victim Of (2) Two Fraudulent Loans Customer
/HPSEnclosures: Please See The (8) Eight Attachments For Your Records And Further Review. Thank You.
PS: I Think That The United States Of America Citizens Should Come Together And File Several Class Action Lawsuits Against The (3) Major Banks, Particularly JPMorgan Chase Bank, N.A. For Fraud And Stealing Their Customer's Money! Seriously Speaking!
Review about: Chase Bank Mortgage.
Reason of review: Not as described.
Preferred solution: Price reduction.
I didn't like: No help offered, No loan modifications offered, No principal reductions offered, Being ripped off and scammed, Being lied to and verbally abused, Being cheated on, Not getting legitimate loans.