Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Enclosed please find a detailed letter disputing an escrow disbursement made after notice of a charge dispute and requesting review by the Research / Executive Review unit. 

This submission includes background documentation and an attorney demand letter addressing the underlying misclassification of charges. The purpose of this mailing is to ensure that the escrow disbursement and Chases investigation obligations under RESPA are reviewed at the appropriate escalation level. 

I am writing to formally dispute the escrow disbursement of {$78000.00} and to request review by the Research / Executive Review unit due to Chases failure to investigate disputed charges, as required under RESPA. 

I understand that under certain circumstances a mortgage servicer may advance funds to a cooperative corporation to protect its security interest. I do not dispute that principle. What I dispute is that Chase exercised that authority here without completing the required investigation after being placed on notice that the charges were inaccurate and not maintenance. 
Chronology of Events XXXX. The cooperative corporation issued a demand to both me and Chase alleging unpaid maintenance. That allegation was incorrect. The amounts demanded consisted of disputed legal, administrative, and engineering charges. All actual maintenance was paid in full. 

XXXX. Chase notified me that escrow funds would be disbursed absent resolution. I immediately contacted Chase on XX/XX/year> and explicitly instructed Chase not to pay, explaining that the charges were not maintenance, were actively disputed, and that supporting documentation was available. 

XXXX. At Chases direction, I uploaded a written explanation of the dispute and a detailed payment ledger showing that maintenance was fully paid. I also offered to provide canceled checks. I was assured the matter would be reviewed and that I would be contacted before any action was taken. 

XXXX. Chase further directed me to send the same materials to the cooperatives attorney, which I did immediately. 

XXXX. Despite the above, Chase paid {$78000.00} from escrow without contacting me, without completing the promised review, and without providing any determination regarding the nature of the charges. 
All of the above mentioned documents were uploaded on the chase message XXXX XXXX please refer to your portal for documentation. 
Following the payment, Chase stated that the disbursement was made to protect its interest in the property. While I understand that rationale, it does not eliminate Chases obligation under RESPA to investigate disputed charges once notice and documentation have been provided. 
I subsequently submitted a formal RESPA Notice of Error and filed a CFPB complaint. To date I have not received a formal response to my RESPA letter. Chasesrep from executive office did call me back - his response again relied solely on the protection-of-interest rationale and did not address the failure to investigate the disputed charges. He gave me your address to formally dispute the escrow disbursement. 
The underlying charges are now the subject of a formal legal dispute with the cooperative corporation. My attorney has issued a written demand letter to the board, its counsel, and the managing agent, a copy of which is enclosed. I am not asking Chase to resolve that dispute, but rather to address its own servicing conduct. 
I respectfully request that Chase conduct a documented review of whether the amount paid represented bona fide maintenance arrears at the time of payment ; acknowledge that the escrow disbursement remains disputed ; confirm that my loan is not considered delinquent as a result of this payment ; and provide a written response addressing the investigation obligation under XXXX XXXX XXXX. 
Nothing in this letter should be construed as a waiver of rights. I continue to dispute the escrow disbursement and reserve all rights related to Chases handling of this matter. 

Sincerely, XXXX

Company response to consumer: Closed with explanation