Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
XXXX XX/XX/year> the XXXX XXXX Tax Assessors office corrected and updated the property tax for my home address of XXXX XXXX Ter XXXX SC XXXX be changed from 6 % to 4 %. The tax assessors office confirmed the incorrect bill had been mailed but the corrected bill would be mailed that same week. 

The week of XXXX XXXX my wife at home received both the XXXX XXXX ( incorrect bill ) and the 4 % ( correct & attached bill ) - I am currently XXXX on XXXX XXXX orders. 

On XXXX XXXX upon entering the Chase Bank application to pay my monthly mortgage due XXXX XXXX, I discovered Chase Bank erroneously paid the incorrect property tax amount at {$3400.00} on XXXX XXXX instead of the correct amount {$830.00} ( attached ). 

I submitted secure messages on XXXX XXXX requesting within XXXX XXXXays Chase Bank to verify if : A. ) SCRA benefits were removed or XXXX. ) if the improperly handled property tax is the cause of the increase ; as well as what the solution to rectify by Chase Bank is. 

I also attached the correct property tax invoice. 


On XXXX XXXX Chase Bank replied : In XX/XX/year>, we were billed {$3400.00} by the City of XXXX for your property taxes, which we paid on XX/XX/year>. We will review the tax document you have attached within the next XXXX business days and reach out to XXXX XXXX to determine how any over payment may be handled. Once this review is completed, we will send you a confirmation letter, which may take an additional XXXX to XXXX mailing days to arrive. We will also adjust your escrow account accordingly, as a part of your payment increase was caused by the property tax bill being higher than we anticipated. 

XXXX XXXX XXXX message Chase Bank requesting : I submitted the correct tax form that XXXX would have also received in XX/XX/year>. I see the escrow nor the monthly payment have been corrected to reflect the actual tax amount owed. Based on the documentation I have provided, I am requesting that XXXX operate in good faith by updating both the escrow and monthly mortgage payment to reflect the correct and actual prorated XXXX XXXX tax charges ( total : {$830.00} ) ; as the clerical error was no fault of my own and instead solely the fault of Chase bank. 

On XXXX XXXX XXXX replied : Thank you for contacting us about your property taxes. My name is XXXX, and I am happy to assist you today. 
I understand your concern regarding your monthly payment and escrow not reflecting the updated XXXX XXXX tax amount of {$830.00}. At this time, we have not completed an XXXX XXXX because we require your permission to proceed. This is why your monthly payment has not yet been adjusted. 
We are currently working with the XXXX XXXX tax assessor to obtain a refund for any overpayments made due to the update. Once we receive confirmation from the tax assessor and your account is updated, you XXXX request a new XXXX XXXX to ensure your monthly payment reflects the correct tax amount. 

On XXXX XXXX at XXXX XXXX I contacted both the XXXX XXXX XXXX assessor and treasurer. They informed me any overpayment is automatically refunded to the XXXX which confirms Chase Bank did not reach out to their office. I confirmed the refund check amount and information. Additionally, I received no mail correspondence as per XXXX Banks XXXX XXXX message. 


On XXXX XXXX I message Chase Bank : I have contacted the XXXX XXXX tax oce and spoken with the XXXX XXXXXXXX XXXX XXXXXXXX. 
Per the treasurers oce, tax overpayments are handled by issuing an automatic reimbursement to the paying party. 
Please see all information below : XXXX XXXX Treasurer XXXX option XXXX Check Refunded to : Core logic Check # XXXX Dated XX/XX/year> ( bulk refund ) This is a XXXX request for Chase Bank to operate in good faith to correct the escrow account and subsequent monthly payment amount. 
It appears Chase Bank has XXXX. Not contacted the county as previously stated nor XXXX. Handled the matter in the manner in which they stated nor XXXX. Have I received a letter in the mail within the timeframe as previously described. 
It took less than XXXX hour to obtain all the above information, while Chase Bank has misrepresented and in bad faith delayed handling of their error since the approximate beginning of these inquiries ( XX/XX/year> ). 

On XXXX XXXX Chase Bank Replied that the case was being escalated to a XXXX. 

On XXXX and XXXX XXXX, the only messages received was that Chase Bank is still researching the issue.

Company response to consumer: Closed with explanation