JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

FHA mortgage Loan servicing, payments, escrow account Maryland

After 7 years of me paying my taxes directly to the city - NJ Chase decided to pay the taxes on my behalf therefore creating at - plus escrow shortage thus leading to a - increase in my monthly mortgage payment. While Chase investigated the issue they recommended that they temporarily suspend my auto debit. I agreed. I was told to make a manual payment. I went online to make the manual payment and my account presented that I was still enrolled in auto pay therefore I did not make the payment for risk of being charged - at the higher amount. 30 days later I was told I was delinquent. Chase will not amend


At no point did anyone in customer service disclose to me that the temporary auto pay suspension would NOT be reflected online and that I should make a payment regardless of the online auto pay status. I now have a mortgage delinquency reflected on my credit report. Chase refuses to make an amendment even though this issue was caused by their erroneous payment of my taxes (which has been reversed) and failure to disclose the auto pay suspension status on my account online. It is my belief that Chase paid my taxes knowing that it would create a - escrow deficit which for many would have resulted in foreclosure. It wasn't until I spoke to multiple customer service reps in their tax department and weeks of investigating the issues was it ultimately resolved. Nevertheless, they still refuse to change my credit reporting status because my auto pay was merely suspended and not canceled, even though neither was reflected online.