Consumer complaint received 2019-05-20
Company: JPMORGAN CHASE & CO.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase and i had an agreement on my escrow shortage, Escrow : Taxes and Insurance Statement Summary Escrow Payment Options XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Customer Service Center XXXX Hearing Impaired ( TDD ) XXXX Monday - Friday XXXX XXXX - XXXX XXXX ( ET ) Saturday XXXX XXXX - XXXX XXXX ( ET ) Please detach and return the bottom portion of this statement with your payment using the enclosed envelope. 
chase.com chase.comXXXXXXXX. 
Current Payment New Payment Effective XX/XX/XXXX Total Payment Amount {$480.00} {$510.00} Escrow Shortage {$490.00} Other online bill payment service or military allotment customers : Your escrow account is short {$490.00}. 
You have three options to pay the shortage : Option 1 : Pay All of the shortage now.

Option 2 : Pay part of the shortage now.

Option 3 : Pay nothing now.

Escrow Shortage {$490.00} Important : Please return this coupon with your check.

Option 1 : Option 2 : Option 3 : You are getting this statement because you have an escrow account. That is a special account that we provide for you to pay your property taxes and/or insurance. It is also known as an Annual Escrow Account Disclosure Statement. With an escrow account, you pay a portion of your taxes and/or insurance monthly instead of once or twice a year. Monthly, part of your monthly mortgage payment goes into your escrow account.

When your taxes and/or insurance premiums are due, we pay those bills for you with the money in your escrow account.

Once a year, we are required by law to review your escrow account. This statement includes the results of our review. It includes a history of the activity on your account this year and the activity expected for next year.

For more information about escrow, visit XXXX Page 1 of 6 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX Principal & Interest {$390.00} {$390.00} Escrow Account Deposit {$84.00} {$99.00} Plus : Account Balancer/Shortage {$0.00} {$17.00} Loan Number XXXX Statement Date XX/XX/XXXX Review Period XX/XX/XXXX to XX/XX/XXXX but after i looked today and was surprised how they committing fraud on me XXXX XXXX Date Description Amount Unapplied Open information dialog : Unapplied funds Balance XX/XX/XXXX LATE CHARGE ASSESSED {$15.00} {$0.00} {$67000.00} XX/XX/XXXX ESCROW ADVANCE RECOVERY {$110.00} {$0.00} {$67000.00} XXXX XXXX, XXXX ESCROW ADVANCE RECOVERY {$84.00} {$0.00} {$67000.00} XX/XX/XXXXESCROW ADVANCE {$260.00} {$0.00} {$68000.00}, XX/XX/XXXX ESCROW ADVANCE Principal {$0.00} Principal Interest {$0.00} Interest Escrow {$960.00} Escrow Fees {$0.00} Fees {$960.00} plus i paid XXXX a month up to XXXX XXXX i was Escrow Shortage {$490.00}, i would like a refund from CHASE JP Morgan i didn't owe this much in escrow they took XXXX for my escrow shortage, and my payments to Chase is Fraud i got all my bank statements, after i added it up owed XXXX for XXXX from suspense of XXXX that covered XXXX and XXXX payment of XXXX, Executive Office XXXX XXXX XXXX XXXX, OH. XXXX phone number XXXX XXXX XXXX XXXX case worker on the account n XX/XX/XXXX i had a family emergency and ask CHASE bank to return one payment and they did then in XX/XX/XXXX and XXXX, XXXX, XXXX, XXXX of XXXX i keep the payments going as normal XXXX .Then in XXXX of XXXX i was denied a repayment plan for XXXX, by CHASE for one payment so they put me on forbearance plan so i didn't send a payment for XXXX but paid in XX/XX/XXXX, but in XXXX of XXXX i sent XXXX and it got returned to my bank so i broke it down and sent XXXX XXXX and XXXX that covered two payment left me for XXXX payment with some in suspense.The XXXX was sent in XXXX but they added it XXXX, then in XXXX i sent XXXX XXXX i sent XXXX, XXXX i sent XXXX then XXXX i sent XXXX since the XXXX went to XXXX and XXXX it left me for XXXX my XXXX payment should have went XXXX, XXXX payment to XXXX, XXXX payment to XXXX and XXXX and my XXXX payment to XXXX with money suspense account to almost cover the XXXX payment but in XXXX i looked on My CHASE account it said i owed for 4 payments so in XXXX i made two to stay out of foreclosure.But i didn't owe for 4 payments 2 weeks before this i owed two payments then it jumped to four in week at this point i owe XXXX for repayment i have to pay my regular mortgage and half of each payment that be over 700.00 a month and i get XXXX XXXX a month i no i don't owe over thousand dollars i have been going back and forth with CHASE since XX/XX/XXXX and it just gets worse .I fell they is discrimination on my part over me drawing XXXX. I am half XXXX from XXXX but the main thing is CHASE is not wanting to correct my payments each time i do try they turn it around on me .Like my credit if i get a alert my credit score went up i just wait two days and CHASE fixes the credit to make it worse, this time in XX/XX/XXXX they reported to credit company that i missed XXXX payment and was 30 days late 60 days late and 130 days late so my score is under 400 i need help if CHase leave my credit alone i have over 600, i did a modification during the Modification all payments was put to end of my note but Chase they would not be reported but they did that was lie, this is bank fraud and i can send any information at the request

Company response to consumer: Closed with explanation