Consumer complaint received 2020-12-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX I signed 2 contract for the same used XXXX XXXX XXXX at XXXX XXXX of XXXX in XXXX ca. 
XX/XX/XXXX Im called back to the dealership after receiving a phone call from the sales man that I wasnt approved for the loan on the car and I needed a co-signer if I wanted to keep the car. My father agreed to co sign for the vehicle. 

For some reason the contact singed on XX/XX/XXXX had my father as the purchaser and I was listed as the co signer. My auto loan was with chase auto loans. I had problems trying to set up automatics payments. I had to call in my payments monthly. XX/XX/XXXX my car was repossessed and payments I had made months prior were coming up as reversed. I paid XXXX dollars to get my car back the same day it was taken. I never could get chase to credit my loan for the repossession. Fast forward XXXX of XXXX I find out the car on my credit report isnt the same model car on my car loan paperwork. Credit report reflects a much more expensive model car than I what my contact stated. XXXX I pulled my XXXX XXXX  report to help control the insane problems I was having trying to get to the bottom of my car problem. The report showed my first auto loan went through on XX/XX/XXXX but it was done as a mortgage loan and a second loan on the XXXX also reflected on my credit report. What cant you do when you buy a home, buy a car! Thats why the second car loan I was a co signer not the purchaser. I made a complaint to the XXXX  in XX/XX/XXXX regarding my auto loan with chase after my car was repossessed the second time. I lost XXXX dollars spent on payments and maintenance and I havent been able to get anything done regarding my credit report not reflecting my payments made for 11 months straight causing a 41 % decrease in my credit score. What has happened is absolutely unbelievable from the dealership to the loan company. My credit was destroyed, I lost my car due to some one reversing my payments in the loan companies record system. I started paying cash in a chase bank after the car was repossessed the first time. Still my Payments werent being recorded from XXXX of XXXX up until XX/XX/XXXX. This is internal issues with chase. I had to fax over my prof of payments made to chase by self after having the bankers fax all my records to an exaltation team I got in touch with finally XX/XX/XXXX. My car was sold in XXXX from my understanding and I still owe chase XXXX dollars. After faxing my payments myself I called the lady I had been dealing with after not hearing back from her to see if she received my proof of payments. I was informed she would have to have her manager speak to me regarding my issues and she could no longer discuss anything regarding my account with me. Its been 5 months since that conversation and I havent heard back from chase, I did receive a new bill with XXXX dollars taken off the previous amount of XXXX I have been told I still owe Chase. Im just completely in shock still and its going to be a full year this coming XXXX the cars been gone. Credits destroyed, I never received anything I Asked for in my complaint to the XXXX. This is the best robbery done by white collar criminals ever seen. I need my issues investigated. Shortly after reporting to the XXXX  my model on my Contact wasnt the same model public records showed or what my XXXX XXXX reports. The car value was almost XXXX dollars come to find out. I Was sold a car being laundered thro the dealership

Company response to consumer: Closed with explanation