Consumer complaint received 2017-10-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX, I received Notice of Cancellation from XXXX XXXX XXXX ( XXXX ) and contacted my agent to find out what 's going on. Agent reported that Chase ( servicer ) had paid wrong XXXX insur co ( believed to be XXXX ). I then learned Chase had forced placed ins with a 3rd ins co ( XXXX ). 
XXXX XXXX, Chase Escrow StatemenXXXX XXXX reported an escrow shortage of {$4500.00}, and listed 3 separate payments for XXXX XXXX for {$1600.00} each. Chase increased my monthly payment to account for the escrow shortage. A copy will be uploaded. 
XXXX, XXXX, despite frequent multiple requests to Chase to confirm the Escrow Account balance had been corrected by refund of excess payments and reduction of monthly payments because any Escrow Shortage was due to Chase 's actions, Chase never provided the requested information nor corrected the snowballing fees and overcharges directly related to Chase 's errors. Then, without prior notice, and without correcting the errors in the account ( overcharges in monthly payment amount, late fees, increased interest from misapplication of payments, etc. ) servicing was transferred to XXXX XXXX XXXX XXXX 
XXXX XXXX, after receiving initial account information from XXXX, XXXX, and seeing that Chase had never corrected their errors and the fallout from those errors, including payment by Seterus to Chase of over {$400.00} in late fees I contested, I started my campaign of regular phone calls to XXXX explaining the Chase escrow account mismanagement, over inflated principal amount, outstanding late fees, and newly revealed escrow shortage. All to no avail. Despite my persistent requests to XXXX to obtain the appropriate Escrow Reconciliation Report from Chase, to this day XXXX never did. This is in addition to the multiple requests to Chase. 
XXXX XXXX, I sent both a detailed Debt Validation Letter and a Letter of Explanation to Seterus by US Mail XXXX, after learning from one of the putative specialists at XXXX that they only respond to written questions, concerns, and requests like mine. A copy each will be uploaded. 
XXXX XXXX, after being paid a visit by an agent for XXXX in violation of my written requests, I mailed a Supplemental Request to XXXX. A copy will be uploaded. 
XXXX XXXX, continued efforts to follow up with XXXX to resolve. Made what I considered the correct monthly payments until locked out of the XXXX web site. In XXXX learned that my file had been sent to attorney for foreclosure. Initiated email and phone contact with XXXX attorneys. XXXX XXXX, participated in a conference call set up by a XXXX attorney including atty, me, and a XXXX XXXX who promised to get to the bottom of Chase escrow account issues in order to assist in the resolution of pending issues between me and XXXX in order to avoid foreclosure. I never heard back from XXXX rep nor atty who set up conference call. A copy of emails will be uploaded. Instead, on XXXX XXXX, XXXX week later, foreclosure civil action was filed against us. A copy of the Complaint will be uploaded.

Company response to consumer: Closed with explanation