Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX XXXX Email : XXXX Phone : XXXX JPMorgan Chase Bank , N.A . Mortgage Servicing Department Subject : Qualified Written Request / Notice of Error Unauthorized Automatic Payments and Misapplication of Funds To Whom It May Concern, This letter constitutes a formal Qualified Written Request ( QWR ) and Notice of Error under the Real Estate Settlement Procedures Act regarding the servicing of my mortgage loan. I am writing to dispute unauthorized automatic charges and the improper application of payments on my loan. At the time of purchasing the property, we were informed that making an initial additional payment toward the principal would significantly reduce the total interest. Based on that representation, we made such payment with the clear understanding that it was a one-time payment applied exclusively to the principal and would not result in any recurring charges. However, your institution subsequently began charging approximately {$4000.00} in additional monthly payments. These charges were never authorized, are not supported by any valid signed consent, and do not correspond to any agreed modification of the loan terms. We were later informed that these charges are linked to an alleged Automatic Payment Enrollment Form. I formally dispute this claim. I have never authorized any automatic payment enrollment, nor have I signed any document permitting recurring withdrawals. If such authorization exists, I demand immediate production of the signed documentation. Additionally, the initial extra payment was not properly applied to the principal, which has adversely affected the loan balance and interest calculations. Multiple attempts have been made to resolve this issue, including an in-person visit where we were informed the issue would be corrected in XXXX, which did not occur. Several phone calls have also been made without resolution, including the most recent call today at XXXX XXXX with a representative named XXXX. REQUEST FOR CORRECTION AND INFORMATION Pursuant to RESPA and applicable federal law, I request the following : 1. Immediate cancellation of any unauthorized automatic payments. 2. Removal of all improper monthly charges. 3. Full reimbursement of all amounts collected without authorization. 4. Proper application of the initial payment to the loan principal. 5. Full correction of the loan balance and interest calculations. 6. A complete payment history reflecting how each payment has been applied. 7. Copies of any and all documents allegedly authorizing automatic payments. 8. A complete servicing file, including payment allocation records. RESPONSE DEADLINE Please note that under RESPA, you are required to : Acknowledge receipt of this request within XXXX business days Provide a substantive response within 30 business days If this matter is not resolved promptly, I will continue pursuing this complaint through the Consumer Financial Protection Bureau and reserve all rights to take further legal action. Supporting documentation is attached. I expect a prompt and complete resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation