Consumer complaint received 2016-10-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NV)

On your last letter received from Chase dated XXXX XXXX, XXXX Chase does not address the concerns and request done by the borrowers XXXX XXXX and XXXX XXXX. 
We the borrowers had point out the following errors made by Chase and its mortgage department 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 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 advise 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 they miss applied many of our 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 open 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 it 's personnel liable for. 

We the borrowers had made mortgage payments to chase approximately up to the amount of {$260000.00} as of today. As of results of all the incidents and errors caused by Chase and its employees we are requesting for Chase to cancel the loan, remove the lien and move forward or to make us a better offer to resolve all of the issues mentioned above amicably. We ca n't afford that a large company like Chase treat their customers as ignorant. We have rights and many of our rights had been violated. Therefore the request is fair in all capacity. 

Please review our case and provide your best and final offer and solve all the issues in the most amicable way. We will like to continue doing business with Chase but we need Chase to be accountable for their actions.