JPMORGAN CHASE & CO. – CFPB Complaint ID 2472453

Date Received: 2017-05-02T00:00:00

Product: Mortgage debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Yesterday, I received a letter from XXXX XXXX XXXX with an address for Chase- XXXX XXXX . XXXX XXXX , XXXX , TX XXXX with a request to send proof of tax payment before XXXX XXXX , 2017 or to fax XXXX . They claim that as of XXXX XXXX , 2017 , there are outstanding taxes for the property. I called Chase customer service this morning and the customer service representative verified that we do NOT have an escrow account with Chase and then added the tax specialist to the telephone call. The tax specialist said the letter was a courtesy letter so the county would NOT take our property for unpaid taxes. I verified on-line in public records that the taxes had been paid and the date paid is before XXXX XXXX , 2017 . I also went to the tax collector ‘s office and got a receipt yesterday afternoon. The tax specialist did NOT answer any of my questions. The telephone call was NOT recorded in its entirety, the beep of recording began after I asked the tax specialist who sent the letter and would I receive another letter with resolution of the information in this letter. I ‘m angry, because for a courtesy letter, it said that they did not receive a response from us by XXXX XXXX , 2017 , Chase would pay all outstanding taxes and penalties and interest for the property. We may also establish an escrow account to pay future taxes, which will cause your monthly mortgage payments to increase. Important Legal Information This communication is an attempt to collect a debt and any information obtained will be used for that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words ” your, ” ” loan, ” ” mortgage, ” or ” account ” ) means that you ‘re required to repay a debt that ‘s been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property. If you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney ‘s name, address, and telephone number. XXXX XXXX Order : XXXX Please help us to resolve this issue. Thank you.

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State/Zip: FL 325XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2472453

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