Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, Chase Bank applied XXXX payments to the tax bill assigned to my account from XXXX XXXX on XXXX XXXX. 

On XX/XX/XXXX, I was notified that an escrow analysis was performed on my mortgage after XXXX payments were applied to the annual tax bill. The mortgage payment was increased by {$0.00}. 

The escrow analysis published to my account via XX/XX/XXXX contains entries that seem to intentionally create miscalculations in the escrow balance column. For example, the balance on XX/XX/XXXX should read " - {$1800.00} '' and not " - {$1000.00} '' XXXX, the XX/XX/XXXX entry is intentionally excluded from the calculation. A payment was made to Chase in XXXX ; its absence creates substantial suspicion. On XX/XX/XXXX at XXXX Pacific, Chase sent me notice via XXXX that a {$1500.00} payment was applied to the account ending in XX/XX/XXXX. 

In assessing the escrow analysis, with the XX/XX/XXXX contribution missing, the XX/XX/XXXX balance would actually return as {$710.00} less than the amount illustrated of {$1600.00}. This is a fairly routine escrow analysis and is well within the bank 's competency to produce with accuracy. Many of these analysis are produced with automation, it is possible that manual intervention was applied to create the financial model added to my account. 

By XX/XX/XXXX the shortfall grows to an amount greater than XXXX monthly mortgage payment. Undetected, this sort of escrow account mismanagement can lead to increased mortgage payments and/or ballooning non-principal portion of the mortgage, knowingly creating additional challenges for people with less flexible levels of disposable income. 

In summary, Chase sent a notification that implies good faith due diligence, but instead applied an escrow model that manipulated to exclude a critical entry and illustrate inflated escrow account balances. The model was designed to break, to the consumer 's detriment. 

Prior to this incident, Chase was well-informed that other entities were attempting to run a scam related to the real property. XXXX entity asserted, with falsified documents, that the property had been sold at an auction in XX/XX/XXXX. My family has been harassed for months with eviction notices and other miscellaneous categories of contact surrounding this matter. 

The mortgage provider knows, or should have known, that producing a faulty escrow analysis would create emotional stress for the persons associated with the home. Chase 's XXXX XXXX XXXX was informed about a racketeering-influenced attempt on the real property via fax. Then, about XXXX weeks later, the fraudsters filed a complaint with a court in an attempt to obtain a court ordered eviction under fabricated XXXX Based on the organization of this scheme, I deduce that the XXXX tax payments made from the escrow account in XXXX were applied with the intent to help the racketeering-influenced corrupt organization illegally acquire the property, on court order with the assistance of a sheriff, with the taxes already paid by the targets. It is unusual for both payments to be applied in the same month when XXXX is due in XXXX and the other was due in XXXX, accompanied by an improperly represented escrow balance. 

The escrow model provided by Chase is interpreted as an attempt to aid an artifice designed to push my family into homelessness, or to advance the manufacturing of a scheme that is estimated to produce housing instability. This scheme may represent a systematic approach to preying on the vulnerability of consumers who are highly sensitive to price shifts. I've engaged Chase on other matters, and my report on the escrow analysis seems to be a derivative of those matters. 

Federal attention can assist with this matter. The core and secondary issues that gave rise to the escrow analysis misrepresentation is sprawling throughout multiple State-level government entities and a network of private companies. 

The Consumer Financial Protection Bureau 's engagement can help achieve outcomes that prevent the promotion of continued injustices related to this complaint, and other mortgage accounts impacted by similar patterns of abuse and fraud. The Department of Justice ( XX/XX/XXXX) may be consulted to assist with the achievement of equitable results.

Company response to consumer: Closed with explanation