Consumer complaint received 2016-01-07
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (CA)

I leased a XXXX Mazda XXXX on XXXX XXXX, XXXX from XXXX XXXX XXXX in XXXX CA. I traded my previous car a XXXX Mazda CX-7 in place of the new vehicle. On XXXX XXXX, I sent XXXX XXXX, Finance Manager at XXXX XXXX XXXX, signed authorization to pay off my previous car loan. On XXXX XXXX XXXX XXXX called to ask me to come in to the dealership and sign a new lease contract, no reason was given why, I assumed there had to have been an error on the previous contract. XXXX XXXX stated over the phone that " the good news about a new contract was that my first payment on the lease was going to be due on XXXX instead of XXXX '' ; I went in to XXXX XXXX XXXX on XXXX XXXX, XXXX to sign this new lease contract at which point XXXX XXXX reiterated that my first lease payment was going to be due on XXXX as opposed to XXXX. On XXXX XXXX, the lender for my previous car, XXXX XXXX XXXX XXXX debited my car payment for XXXX ( for a vehicle I no longer had in my possession since I had transferred ownership to XXXX XXXX XXXX on XXXX/XXXX/XXXX ) ; this car loan was paid off on XXXX/XXXX/XXXX at which point I was able to get my payment back. 
On XXXX XXXX, I found out through my online banking with Chase Bank that my car lease was financed through them as opposed to XXXX XXXX and that my first lease payment due date was XXXX/XXXX/XXXX which was completely contrary to what XXXX XXXX had previously told me on XXXX/XXXX/XXXX. I called Chase Auto Finance and spoke XXXX XXXX, I explained the situation and she acknowledge that they did have XXXX lease contracts, XXXX dated XXXX/XXXX/XXXX ( which was supposed to be nullified ) and XXXX dated XXXX/XXXX/XXXX. I told her XXXX XXXX had stated my first payment was not going to be due until XXXX/XXXX/XXXX. She stated they would review my request and that I would be receiving a letter in a few days ; nothing took place. I never received any letter from them regarding my call. I contacted XXXX XXXX and asked why my first payment was due in XXXX instead of XXXX like he had stated. He told me he would " fix it '' for me. He then replied to me via email that XXXX had revised my first due date to XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I called XXXX again since the payment due date had n't been changed, I spoke to XXXX XXXX who told me she had sent my lease account to the department that would revise my due date and that she had notated my account so that no collection calls would be placed in the interim time while this was corrected. XXXX placed a credit inquiry on my credit reports without my authorization since my credit worthiness did not need to be established again. On XXXX/XXXX/XXXX I was assessed a late fee of {$25.00} ; today XXXX XXXX, XXXX I received a call from their collections department ; I was forced to pay a late fee and the due date on my lease contract WAS NEVER changed, XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX from Chase Auto Finance all of them lied and misled me, they put my credit reputation at risk with their lies. I want the late fee to be reversed and credited back to me, the credit inquiry from XXXX/XXXX/XXXX removed from my credit report.