Consumer complaint received 2017-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX, XXXX Chase XXXX XXXX OH XXXX To Whom It May Concern : On your last letter received, Chase still does n't take any responsibility or liability for all the damage that created to my family. We the borrowers had point out the following errors made by Chase and its mortgage department every time, and we are just simple ignored. 
1. Chase paid for our property taxes without our knowledge and consent two times in XXXX XXXX, XXXX and XXXX XXXX, XXXX. Our records had been indicated and confirmed with the XXXX XXXX Tax Authorities that we the borrowers had never been late on property taxes. Therefore there was no need for Chase to paid property taxes on our behalf without our approval or consent. This is a fraud case that can be escalate to federal level and result in persecution, paid fines and fees and imprisonment to the people involved. It would n't be the first case of a large bank tried to do so and get in the news about cases like this. 
2. Chase opened an escrow account without our knowledge, consent and agreement. We the borrowers had never been advice to open an escrow account for insurance or property taxes when initially entered into agreement with chase to finance the property it was never brought to our attention such escrow accounts. Chase does n't have the authority to open escrow accounts without consulting with the borrowers about it. This is again another case that can be escalating to federal court justice. 
3. On your later dated XXXX XXXX, XXXX Chase talks about short payments. We the borrowers never made a short payment mortgage. It is Chase errors of how the funds were applied to our mortgage. I know that Chase process all the mortgage payments manually and perhaps they miss applied many of our mortgage payments erroneously as shown on their schedule. We had never been late or delinquent on our mortgage payments to Chase and collections calls were not necessary in the contrary they were disturbing and out of the line in regards to Chase employees and representatives. 
4. In XXXX of XXXX Chase again made another error in our account and opens a mortgage assistance review in our accounts. We the borrowers did not request for mortgage assistance nor implied for one. Chase admitted they did it in error. This is proving what we have been saying all this time. Chase had made so many errors in our account that we got enough and we will go to Congress and federal court system if need it. 
5. On XXXX XXXX we received an appraisal review packaged on our current home. They were pictures for the unit. Again Chase violated the privacy act of us the borrowers. They took pictures without our proper knowledge and consent for what we found it very disturbing and unprofessional from Chase and its employees. Chase violated our rights of safe and quiet enjoyment for what we the borrowers found Chase and its personnel liable for. The appraisal report was done because of the error of sending us to mortgage assistance program that we never applied. It was not a routine appraisal. We had never had an appraisal as routine if it was a routine we should it had it other times for the life of the loan since XXXX. So we know for fact that a routine appraisal is a false statement by Chase and its employees. 

All of these mistakes and errors committed by Chase and its employees should be persecuted on court of law with punishable material damages. 

We the borrowers had made mortgage payments to chase approximately up to the amount of {$280000.00} as of today. Chase is increasing our interest rate and our mortgage payments are increasing. As of results of all the incidents and errors caused by Chase and its employees we are requesting for Chase to reduce our principal and negotiate the principal balance. A simple "