Consumer complaint received 2021-11-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing on my own behalf with no assistance from anyone else, using just the law which is available to the public at large. As a natural person and federally protected consumer, I am aware that my consumer rights are being violated. Today, I witnessed my private property being stolen as CHASE AUTO FINANCE has hired XXXX XXXX to repossess my automobile, a 2010 XXXX XXXX from my place of abode, a prohibited action while in billing error. 

I was never disclosed the determination of the finance charge via meaningful disclosure required in 15 USC 1632, in violation of 15 USC 1605. Nor was I given disclosure of my right of rescission, in violation of the Truth in Lending Act and Regulation Z. 

CHASE is engaged in abusive and prohibited debt collection practices in violation of 15 USC 1692 subparts : ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.

( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.

( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

I have rescinded the security agreement and power of attorney and issued my own which CHASE is not permitted to decline. CHASE did not notify me of errors which were to be corrected in the event that language in my contract was deficient. If my billing error was sent to the wrong address, CHASE did not provide me with their preferred billing error address per 15 U.S. Code 1637 ( b ) ( 10 ) and failed to notate the error and dispute : ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ).. '' In addition to aggravated identity theft CHASE and affiliates are subject to criminal liabilities for violation of Unauthorized access device is defined at 18 U.S.C. 1029 ( e ) ( 3 ).

Company response to consumer: Closed with explanation