Consumer complaint received 2015-08-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I had written a complaint before ( Case number : XXXX ) that was submitted to XXXX XXXX XXXX. I spoke to a CFPB representative who said that my case was referred to the Federal Trade Commission. I am now writing this new complaint because it is now clear to me that JP Morgan Chase is/was the servicer of this auto lease, and they are the party with whom I had been negotiating. In XXXX XXXX, I moved from XXXX to XXXX and brought with me a XXXX vehicle which I had leased. Unbeknownst to me, in XXXX XXXX, unless a lessee files an affidavit claiming they are not using the leased vehicle for income-producing purposes, vehicle owners are subject to Property Taxes. As it was approaching the end of the least term, I surrendered this vehicle in XXXX XXXX as part of a trade-in for a new leased vehicle. Then, on XXXX XXXX, XXXX ( 15 months later! ), I received a letter on XXXX XXXX XXXX XXXX letterhead ( but JP Morgan Chase is the actual lessor ) that I owed them {$620.00} in property taxes to reimburse them for the taxes they paid to XXXX XXXX. I immediately called XXXX XXXX who said there was nothing they could do. I called the phone number found on the Property Tax Notice from Chase and have negotiated with XXXX different Chase personnel to get them to waive the property tax that they are seeking. Chase claims that they sent me a letter which contained the aforementioned affidavit back in XXXX XXXX when I initially moved here and notified them of my change in address. Honestly, I do n't recall ever receiving this correspondence. Further, given the consequence of having to pay a hefty property tax bill if the affidavit was n't returned, I would have expected Chase to reach out to me a XXXX time to remind me that this form needed to be signed, notarized and returned, but that never happened. We had from XXXX XXXX until XXXX XXXX to file this affidavit, a full 10 months, to avert having to pay this tax. I was completely unaware of this obligation in XXXX. I have never missed or been late on any consumer debt payments in over 30 years. And despite talking to supervisors all the way up the chain at Chase, I do n't know where we are on this property tax issue. My last XXXX phone calls to a direct manager in Chase 's Executive office have gone unreturned. I am also a Chase credit card holder. At the very least, as a customer of the bank, and with 10 months to get the affidavit filed, I would have expected Chase to send a reminder about this particular requirement in XXXX. It was very difficult moving from XXXX part of the country to another, getting children settled in their new surroundings and new schools. I honestly never saw this correspondence that Chase allegedly sent me, and they have expressed no interest in working with me. The supervisor, in whose hands my case rests, and who is located in XXXX, does not return phone calls either. I am extremely frustrated and disappointed at their lack of empathy and willingness to bring this to a fair conclusion.

Company response to consumer: Closed with explanation