Consumer complaint received 2017-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

in  XXXX  I made a mortgage payment of {$1400.00} for a   XXXX    payment due. a week later I received a statement in the mail stating my payment was  XXXX  not  XXXX . I made an additional  XXXX    dollar payment to make the  XXXX  payment whole and called chase to find out why my payment went up. chase informed me thatmy insur ance tripled in price. so I got new insurance taking effect in   XX/XX/XXXX . chase informed me that escrow could not receive a refund that it would need to be mailed to me directly. On  XX/XX/XXXX , I made my  XX/XX/XXXX  payment of  XXXX  to chase. I received another statement in the mail in  XXXX , the payment still  reflected XXXX  d ue not  XXXX . I called chase and was informed that the  XXXX  payment to make  XXXX  whole was credited to principle as well as the  XXXX  payment made on   XXXX   XXXX   I informed chase they misapplied payment.   XXXX   XXXX   of the escalation department assured me this would be taken care of but I would need to make an escrow payment to bring it current ( due to switching insurance and refund being received by me instead of escrow ) this left my escrow short and to call back in 10 days to make sure misapplied payments were corrected and to have a total of escrow shortage to be paid. I called 10 days later in   XXXX   and made a {$1800.00} payment that was supposed to go into my escrow account. On this call   XXXX   XXXX   assured me my monthly payments would return to  XXXX . from the  XXXX . I have been making my payments of  XXXX  on time since, In  XXXX  of  XXXX  I tried to get a loan and was denied so I pulled my credit and found that chase is reporting me past due on my account. I called chase and was told that nothing has been done to my account. payments have n't been moved or reapplied and that the   XXXX   dollar escrow payment was applied to past due payments instead of escrow like I was told in  XXXX . and that my payments were still  XXXX  and not  XXXX  like I was told. after contacting chase in  XXXX  I received and escrow overage payment from chase of   XXXX   dollars. I called chase once again and was told my payments are going to go up again because they received a tax bill in which they do n't have any money for in escrow. I asked them why they sent me a check from my escrow account if they have n't paid my taxes. I was fed some  XXXX  line about how they all ready paid my taxes. but yet they got another bill. ( my taxes have been semi annual since I opened the loan 7 years and can not fathom why they would assume it changed and send me money back instead of paying the bill ) Once again I called chase mortgage and spoke with   XXXX   XXXX   of the executive office who informed me that from an accounting stand point the application of my payments over the past 6 months made perfect sense and that he did n't understand what the problem was. this gentleman was very rude talking over me and not letting me speak.   XXXX   XXXX   set up a resolution call for   XXXX   on this matter and has yet to call it is now   XXXX   XXXX   and when I called chase today they still have not resolved this issue. this has been ongoing for more than six months and this is not acceptable.