Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AR)

i have tried several times to get JP Morgan CHASE to explain with letter so it can be forward to Attorney General and Department of Financial Institutions ; .For Fee 's on my mortgage and misapplied payments .I have all mt payment history and Escrow amount and letter saying i was XXXX behind on my mortgage Escrow account. I don't don't want anymore excuses and i don't want to file another report if i do i will call the attorney General along with Department of Financial Institutions for further complaints till i get refund on my Fee 's and the Escrow fixed when it was transferred to XXXXXXXX XXXX XXXXXXXX. SERVICING TRANSFER Interest {$0.00} Escrow {$890.00} from JP Morgan CHASE I've attached a copy of your loan modification agreement in this email. You also had a negative balance in your escrow after Chase paid your homeowner 's insurance and property tax last XXXX and XXXX respectively. 
Currently, your loan was already transferred to XXXXXXXX XXXX as of XX/XX/XXXX. At the time of the service transfer, your unpaid principal balance was {$48000.00} and your escrow balance was - $ XXXX.But the letter i got From JP Morgan CHASE shows a different shortage much less .CHASE sent me letter going back XXXX XXXX and XXXX and added up a shortage Currently, your loan was already transferred to XXXXXXXX XXXX as XXXX XX/XX/XXXX. At the time of the service transfer, your unpaid principal balance was {$48000.00} and your escrow balance was - $ XXXXYou can't go back 3 years and find shortage that Fraud i paid shortage each year and it went for taxes and insurance. and Fee 's i do want a refund. the payment i paid was not applied to my account and no letter of expiation. i have letter with me on how my payments was applied XXXX received payment XXXX XXXX  XXXX received a payment XXXX XXXX received a payment XXXX, XXXX retrieved a payment XXXX all in XXXX so how could i miss the payment in XXXX And XXXX when i have on bank statement the XXXX payment was Fast Pay. the Fee 's. Principal {$0.00} Interest {$0.00} Escrow {$890.00} Fees {$0.00} XXXX  XXXX, XXXX XX/XX/XXXX {$130.00} {$0.00} {$48000.00}, Escrow {$890.00} took from account, then added a shortage Principal {$48000.00} Interest {$0.00} Escrow {$890.00} Fees {$0.00} XX/XX/XXXX XX/XX/XXXX {$890.00} {$0.00} {$48000.00} that is illegal. Principal {$0.00} Interest {$0.00} Escrow {$240.00}. XX/XX/XXXX ESCROW ADVANCE {$920.00} {$0.00} {$68000.00}. Principal {$0.00} Interest {$0.00} Escrow {$41.00} Fees {$0.00} XX/XX/XXXX PAYMENT {$350.00} {$0.00} {$68000.00}, Principal {$0.00} Interest {$0.00} Escrow {$41.00} Fees {$0.00} XX/XX/XXXX HOMEOWNERS INSURANCE {$1300.00} {$0.00} {$68000.00}, Principal {$0.00} Interest {$0.00} Escrow {$0.00} Fees {$2900.00} XX/XX/XXXX PAYMENT {$510.00} {$0.00} {$65000.00} Principal {$0.00} Interest {$0.00} Escrow {$0.00} Fees {$950.00} XX/XX/XXXX Disbursement/Advance - {$950.00} {$0.00} {$66000.00} Adjustment Principal {$0.00} Interest {$0.00} Escrow {$0.00} Fees {$990.00} XX/XX/XXXX Disbursement/Advance - {$990.00} {$0.00} {$66000.00} Adjustment and how could they be shortage on my Escrow? XX/XX/XXXXXX/XX/XXXX$110.00} {$0.00} {$67000.00}. I want letter to send XXXX XXXX XXXX, Attorney General and to Department of Financial Institutions ; so i don't have to make other complaint.