Consumer complaint received 2018-10-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a follow up to my complaint XXXX filed with the CFPB on XX/XX/XXXX. Chase sent their response on XX/XX/XXXX. Chase, once again, failed to comply with my request to identify the responsible person who prepared the response. Chase has failed to service my loan in good faith by not following contractual terms specified in mortgage ; consistently evading my request for details and documents ; Chase has been unfair to me when it paid a debt collector without any notification or verification ; and has been using tactics to mislead me. 
On Friday XX/XX/XXXX, Ms. XXXX XXXX from Chase at XXXX Ext XXXX left a voice message in my fathers phone number XXXX. My father, XXXX XXXX, returned her phone call and left the message shown below. 
Hi ; This is XXXX XXXX and my phone number is XXXX. I am returning your phone call that I missed at about XXXX XXXX on Friday XX/XX/XXXX. I am sorry that I missed the call. 
Unfortunately your voice message is not clear to me and it is confusing. 
As I have requested you before, please explain your message in writing. You may use  our email address XXXX or my home address at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. 
Please ensure that the details address all concerns in the recent Consumer Financial Protection Bureau ( CFPB ) complaint. Please explain and/or provide details for the following : 1. Why did Chase pay the XXXX tax without any advance notification to my son? 
2. Why did Chase pay a debt collector XXXX tax when there was no tax payment issue concerning any year from XXXX to XXXX? 
3. Did Chase verify the XXXX tax due with the XXXX XXXX XXXX before paying a debt collector? If no, please explain your reason. 
4. Does Chase refuse to recognize the XXXX XXXX XXXX certification on the XXXX tax payment in XXXX? 
5. Did Chase receive any proof that the XXXX tax was not paid? If so please send a copy of the XXXX lien on the property. 
6. Please explain why Chase ignores the Evidence of Payment section and the Right to Contest section of the mortgage as stated in the complaint? 

7. Did Chases own title search in XXXX find any lien on the property? 

8. Please provide a copy of Chases XXXX Title Search Report. The year XXXX is more recent than the year XXXX. 

Thank you. 

Again, my name is XXXX XXXX and I am returning your call. 

Assuming Ms. XXXX XXXX is responsible for sending the latest letter dated XXXX, I consider this letter to be an incomplete as it does not address all my concerns. In addition, this letter also confirms the opening of an escrow account on my behalf without my knowledge. I never authorized Chase to open as an escrow account under my name. Chase needs to provide how it has the authority to open the escrow account without my approval and knowledge. Because Ms. XXXX has been ignoring my concerns and has demonstrated her inability to resolve the issue, I request Chase to assign a higher level supervisor to handle my issues hereon. 

The issue here is why did Chase make an unilateral decision to pay a debt collector in XXXX towards the XXXX XXXX XXXX XXXX XXXX XXXX  when the XXXX tax due was already paid in XXXX as stated by the XXXX XXXX XXXX, Mr. XXXX XXXX in his letter dated XX/XX/XXXX. This letter also states that there was no XXXX lien for my property. The XXXX XXXX XXXX letter was attached with the initial complaint. 

Chases recent letter dated XX/XX/XXXX states the following regarding the XXXX  XXXX Certification of XXXX tax payment : If you would like your concern researched further please send in proof of payment for the XXXX XXXX XXXX XXXX Taxes. The letter you provided advises that the taxes were paid, but it doesnt specify who paid the taxes. 

Please note that the tax collector is a government official and he has certified that the XXXX tax was promptly paid in XXXX by due date. If Chase has any evidence that this government official was wrong in certifying that the XXXX tax was already paid, then please send me the evidence. If you have any evidence that the tax was paid by the debt collector or anyone other than me or my previous mortgage company in XXXX, then please send the evidence. Please provide me with a government letter that disputes the XXXX XXXX certification of XXXX tax payment in XXXX. I need this to conduct my own research There is no provisions under the Taxes and Liens section of the mortgage to pay a debt collector without verification or prior notification to me. This section also does not state that Chase is not required to contact me. Also, this section does not authorize Chase to pay any tax on my property for any year prior to mortgage signed dated of XXXX XXXX. This Chases action is in violation of the Evidence of Payment section of the mortgage because it is ignoring the written statement from a governmental official. Chase must explain its action why it chose not to comply with this contractual requirements in the mortgage. 

Under the Right to Contest section of the mortgage, Chase failed to give me 15 days to pay off any tax due. Chase has violated my rights under this section when it unilaterally decided to pay XXXX tax when it did not even have the mortgage on the property until XXXX. Chase must explain its reasons why it chose not to comply with this contractual requirements in the mortgage. 


Chase in its letter dated XX/XX/XXXX, has admitted of inadvertently overpaying {$51.00} to a debt collector. Chase has confirmed the error but has failed to explain the error. In order for me to conduct my own research, I must know details about this error and in particular how it is related to the year XXXX tax. It is obvious that the Chase made errors in paying the XXXX tax in XXXX when the tax was already paid in XXXX. In the same letter, Chases claim that there are no errors in my account is misleading because it has confirmed making inadvertent error in my account. 


Chases own title search in XXXX prior to approving my loan did not find any lien. If there was a lien, Chase would not have approved my loan. I need this title search report to conduct my own research. Please send me a copy of this title search report. If it is lost or unavailable, then please explain how it is fair for Chase to demand documents from me for XXXX when it refuses to provide me with the required documents for XXXX.

Company response to consumer: Closed with explanation