Consumer complaint received 2020-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Bought the car from XXXX in XX/XX/XXXX - refinanced with Chase Auto XX/XX/XXXX Chase sent me Power of attorney to be notarized on XX/XX/XXXX, I completed all the forms and notarized and mailed all the requested info via XXXX, So fast forward a few days and I never heard that they received my paperwork. Called a few times and finally got through and they said they received my paperwork, and everything is okay. 

More fast forward XX/XX/XXXX : got a letter from Chase auto loan with another Power of Attorney to be notarized and to be sent again, when I called and inquired the reason for second power of Attorney, I was told that I should leave the line for second borrower on the Power of Attorney blank, ( I am the only owner of the car ) I was shocked and I said ) by law i CAN NOT leave it blank as anyone can put their names on it,, I notarized it one more time and sent all the documents for second time on XX/XX/XXXX. 

XX/XX/XXXX : 3rd letter from Chase requesting Power of Attorney, again I called and they said I have to leave the field for the second borrower / owner of the car blank, I said I CAN NOT leave it empty and I am the only borrower! 

XX/XX/XXXX : 4th letter from Chase requesting Power of Attorney, again I called and they said I have to leave the field for the second borrower / owner of the car blank, I said I CAN NOT leave it empty and I am the only borrower! 

I signed and sent all the power of attorneys they had sent me, total of ( 4 ) FOUR. 

XX/XX/XXXX : I found another institute with much lower interest rate and tried to refinance the car, after filling out the paperwork which was much easier and less painful, the new institute found out that Chase NEVER recorded the title at the DMV and the title is still under the previous owner ( XXXX ), I contacted XXXX, they said they released the car back in XX/XX/XXXX and its Chases fault they didnt record the title, I requested another lien release from XXXX and they provided within 2 days ( XXXX ) and it was sent to Chase XXXX : I received the title from DMV under my name, this is never heard of I believe, I was being honest, I called Chase and told them I have the title without any lien on it, they asked me to send it back to them to put a lien! I did send the title to chase XXXX : Chase sent the title to DMV to put a lien on it. 

XXXX : i contacted DMV to follow up on my title as i cant get hold of anyone at the Chase Auto for any update! DMV informed me the title is still under my name and no changes have been made I have been dealing with Chase and spoken with different people and customer service and supervisor, no one can give me an answer why the title has not been recorded at the DMV since XX/XX/XXXX, while they have no problem taking my money every month, I have not been late for my payments just want to get rid of Chase auto loan! 

my loan application with the new institute ( XXXX XXXX XXXX ) expired as i could not move forward with the loan and i lost the low interest rate which they had offered me!

i really need help and someone should answer me the reason for 10 months delay in recording the title, Chase just tossing me around, never respond to my inquiries and no one knows why they asked 4 times for power of attorney to be notarized which cost me money and they asked to send it blank for the second name of the owner

Company response to consumer: Closed with explanation