Consumer complaint received 2019-01-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I leased a XXXX XXXX XXXX in the fall of XXXX in XXXX TX. XXXX dealership financed the deal through Chase. When I leased the car, I signed an Affidavit ( form XXXX ) stating that I would not use it for business purposes and the dealership later confirmed that they submitted the affidavit on time to the bank. In XXXX County, Texas, citizens who lease vehicles and sign Affidavits are not subject to property taxes this is confirmed by both XXXX County Tax Office and XXXX County Appraisal District ( XXXX ). 

In XXXX, I received a letter from Chase stating that I owe property tax for the year of XXXX in the amount of USD XXXX on a leased vehicle that Chase has already paid to XXXX through the XXXX County Tax Office ( XXXX XXXX ). I contacted Chase, explained that they had a signed Affidavit in place, and Chase bank admitted that they paid taxes in error and that they would request a refund and that I did not need to worry about anything. I thought the matter was settled at that time as I received a letter in XXXX stating that Chase " refunded the amount back to my account. '' In XX/XX/XXXX, I received another letter from Chase stating that I owe property tax for the same car for the year of XXXX in the amount of USD XXXX. Note that I did NOT have the car in XXXX, I traded it in for another XXXX in XX/XX/XXXX. Not to mention that even if I did have the car, the fact that there was an Affidavit on file should have placed me in a TAX-EXEMPT CATEGORY. 

On XX/XX/XXXX I called XXXX and asked them to look up the VIN # s to see what is being reported to them. As it turns out, Chase has consistently reported my cars ( previous one and current one ) as TAXABLE instead of EXEMPT even though they had valid signed Affidavits on file. They reported WRONG information to the XXXX, which resulted in tax bills, payments by Chase, then letters to me with payment demands and threats to report me to the credit agencies. 

Chase Customer Service continues to claim that I AM REQUIRED to PAY the amount they paid to the Tax Office. And that I will be reimbursed once Chase files a correction and receives their money back. Why am I being asked to pay for anything in this case? I am tax exempt! XXXX office states it can take months for them to process a correction and issue a refund. Furthermore, Chase customer service says that if I dont pay they will report me to the credit agencies BECAUSE THAT IS THEIR INTERNAL PROCEDURE. 

Furthermore, on XX/XX/XXXX Chase bank applied an authorized charge of USD XXXX to my account claiming that I owe a XXXX property tax for yet another vehicle XXXX XXXX XXXX which I currently drive. This is the exact same situation as we are having with the XXXX vehicle - I was reported as taxable instead of exempt - hence we are dealing with the same problem but different vehicle. 

I contacted Chase repeatedly, as well as sent a letter to their main office in XXXX Ohio. Waiting patiently for the resolution.

Company response to consumer: Closed with explanation