Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2015, my daughter, XXXX, and I, XXXX, visited XXXX at XXXX, XXXX, Co XXXX. During the visit, XXXX, decided to purchase a XXXX I agreed to consign. A total financed price for the vehicle was {$24000.00}. ( Exhibit A ). Upon arriving home, I realized, without permission, the salesman added a care package to the purchase agreement ( Exhibit B ). I learned that the care package sold us items that were already installed on the car. The car had a clear XXXX and tinted windows. 

On XX/XX/2015, I contacted XXXX to complain about the unauthorized {$2500.00} charge for items the car already had. Finance Manager, XXXX, who agreed to complete a new contract. ( Exhibits C1-C2 ). I decided to return the vehicle to XXXX at XXXX, XXXX, CO XXXX until the contract was revised. ( Exhibit D1-D3 ), as Colorado law permits for a return of a vehicle when fraud is committed during an automobile sale/financing transaction. 'Primary sources of auto dealer fraud law include the FTC regulations found at 16 CFR 455 ( the Used Car Rule ), other federal and state consumer protection laws, and the common law tort of fraud. '' Three day right to recission when fraud is committed. 
On XX/XX/2015 XXXX, XXXX, Finance Manager, contacted me via text asking me to visit the dealership to sign the new contract. ( Exhibits E1-E3 ). I entered the dealership with XXXX and we signed a contract for payments of {$420.00} for XXXX monnths total financed amount was {$22000.00} with a standard service package and a payment due XX/XX/2015. ( Exhibit C1-C2 ). 
On XX/XX/2015, I contacted Chase Auto Finance to be certain of the due date of the first payment. I was told that the payment was {$450.00} for 66 months. I asked Chase to send me a copy. ( Exhibit F1-F7 ). Apparently, fraudulent contracts were sent to Chase Auto Finance. On XXXX, I filed a fraud complaint with the State of Colorado alleging criminal fraud against XXXX. ( Exhibit G1-G6 ). 
On XX/XX/2015, I began receiving letters from Chase Auto Finance. The letters refused to accept the alleged fraud and refused to accept the first payment date. Chase refused to work with me at all. Chase continues to list the fraudulent debt and continues to violate the Fair Collections Practices Act by listing on credit bureaus a debt that is not valid and collecting in a harassing manner for a debt that is not valid. ( Exhibit H1-H10 ). 
809. Validation of debts " ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of