Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
The property in question is my family home since XX/XX/XXXX. My father XXXX XXXX XXXX ) has an ARM Mortgage with Chase Home Mortgage, Payment is about {$480.00}. 2 weeks prior to my fathers death, he quit claimed the home to my mother, his spouse ( XXXX XXXX XXXX XXXX XXXX ), married for 48 years. My mother took over ownership of the home and responsibility of the home mortgage. The mortgage account never had Escrow or Insurance Payments associated with the mortgage payment. Then my mother died. The house went into Probate with the XXXX County Probate Court through her Estate and the Property Taxes due were waived do the Probate of the Property. This was pending due to the house being probated in her Estate Will. I continued to make the mortgage payments as required on the 1st of every month. Taxes for XX/XX/XXXX were going to be waived due to her Estate in Probate but Chase Home Mortgage Paid them without any communication with XXXX XXXX, XXXX Executor or XXXX XXXX. About XX/XX/XXXX a XXXX County Probate Court Executor 's Deed was made and legally transferred the house in to my name. I then filled for Homestead Exemption and Chase Home Mortgage was notified in writing. I received a letter that told that I was the property owner and I was added to the mortgage account to make payments. I was then sent a letter notifying me that I was place as a contact for the loan and allowed to make property payments. 
Then I find out that around XX/XX/XXXX Chase Home Mortgage went paid a non-existent property tax bill to XXXX County. They did this without without any communication with me inquiring about the tax bill or any other issues. I then called Chase Home Mortgage and dispute this verbally. 
Then in XX/XX/XXXX I receive a letter stating they are placing an Escrow Account on the Mortgage for payment of the Taxes. I then call the toll free number and also send a letter disputing the actions. In the telephone call, I am told that someone one will call me back. 
I hear nothing. I make the payment on the fist of the month as usual. XX/XX/XXXX, XX/XX/XXXX. I receive another statement from Chase stating that I am late on the Mortgage. 
I go and make a Payment on XX/XX/XXXX and Chase accepts the Payment but gives me a hard time to make the payment. The accept the payment. I called again to dispute the Property Tax Issue and on XX/XX/XXXX I sent another letter to Chase Home Mortgage, addressed to XXXX  XXXX to make an official objection to the way my mortgage account is being handled and to file an objection under the Fair Debt Collection Practices Act. 
Then I received an XX/XX/XXXX Statement and I made the payment. I find out later when I receive the XX/XX/XXXX Statement that the XX/XX/XXXX payment is being held in suspense and not posted to any account. I called the Chase toll free number, and attempt to talk to a Representative. They tell me that they see where I have called previously and someone will contact me. I then send another letter to Chase Home Mortgage making my objections known. 
Then on XX/XX/XXXX I receive a Debt Validation Letter from XXXX XXXX XXXX, XXXX advising me that they are attempting to collect a Debt on the Loan. I then called Chase Home Mortgage and they advised me that the Mortgage was sold to XXXX XXXX XXXX and Chase Home Mortgage could not help provide me any information, I need to contact XXXX XXXX XXXX. I have several disputes pending under the Fair Debt Collection Practices Act waiting on Chases Responses and communication. 
I then contact XXXX XXXX XXXX and they tell me they can not provide me any information. I need XXXX XXXX ( My father whom is deceased ). They make me upset. I then  wrote a another letter addressed to Chase Home Mortgage and XXXX making my Objections Known and disputing everything that has happened. This is the 4th Objection I have sent to Chase Home Mortgage in writing and the first to XXXX. I make an Objection to the Debt Validation Letter and the purchasing of the Mortgage that had previous accounting disputes in the account. I am being charged fees, interest and even taxes that they paid that were not due. Now XXXX is assessing their own fees and taxes, plus the purchasing of the mortgage has lost any standing objections that I previously had made. 
On XX/XX/XXXX I sent XXXX the Objection Letter with signature receipt requested, I enclosed the {$970.00} for the payments of XX/XX/XXXX & XX/XX/XXXX and requested them to be posted. 
No one will communicate with me about these issues and Chase is attempting to stick me with a Tax Bill that they paid, that was not due. On XX/XX/XXXX XXXX purchased the Mortgage from Chase Home Mortgage without notifying me and, XXXX XXXX XXXX went and paid the XX/XX/XXXX Property Taxes that were not due. I found out when I went to pay them. XXXX XXXX XXXX is trying is adding fees and interest that is not even valid and this is in addition to the issues the started with Chase Home Mortgage and I have no avenue to talk to anyone because I keep getting the  runaround.

Company response to consumer: Closed with explanation