Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a documented human-trafficking survivor. On and after XX/XX/XXXX, at XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX a transaction that began as a lease was converted days later into a retail installment sales contract ( auto loan ) in my name. I had no independent income ; my trafficker controlled my money and communications. Without my consent, he supplied falsified bank statements and employment information to the dealership. Throughout the deal, dealership personnel communicated directly with him, not me, despite every document being solely in my name and despite my visible distress. At the signing, I was crying, confused, and repeatedly stated I did not want to move forward, wanted to unwind the deal, and did not want the vehicle. I was advised it was too late to unwind the transaction because I had taken delivery of the vehicle on XX/XX/XXXX pursuant to the initial lease agreement. The trafficker has retained possession of the vehicle. Under XXXX Civil Code 1567, apparent consent is not real or free when obtained by duress, menace, fraud, or undue influence ; XXXX define duress/menace, and XXXX define actual/constructive fraud ( including the suppression of truth and breaches of duty that mislead ). My signature was obtained in a coercive environment with falsified documentation submitted by a third party and relied upon by the dealer ; any consent was therefore legally defective. Because consent was procured by XXXX XXXX the contract is voidable and subject to rescission under XXXX  Civil Code 1689 ( b ) ( 1 ) ; courts may also refuse to enforce any agreement found unconscionable under Civil Code 1670.5. The dealers conduct similarly constitutes unlawful, unfair, or fraudulent business acts under Business & Professions Code 17200. This obligation is also coerced debt under Civil Code 1798.97.1 & 1798.97.3 ( SB 975, 2022 ) a consumer debt incurred due to duress, intimidation, threat, force, fraud, or undue influencefor which California law provides declaratory/injunctive relief, requires claimants to cease collection upon proper documentation, and treats related credit reporting as incomplete or inaccurate. The statute applies to debts incurred on or after XX/XX/XXXX ; this debt is within scope. Additionally, the transaction violated California consumer-protection standards. The Automobile Sales Finance Act governs California retail installment sales contracts and disclosures ( Civil Code XXXX ). Dealer-level misconduct of the type describedswitching a lease to a loan under pressure, bypassing the buyer, and proceeding on falsified financialsfalls within the UCL and XXXX XXXX ( XXXX XXXX XXXX ( a ) ) prohibiting deceptive acts in consumer sales. For the lender, maintaining and collecting on a loan originated through coercion and falsified documents is an unfair, deceptive, or abusive act or practice ( UDAAP ) under the Consumer Financial Protection Act, 12 U.S.C. 5531, 5536. The CFPBs XXXX Policy Statement explains that conduct is abusive where a company takes unreasonable advantage of a consumers inability to protect their interests or lack of understanding of material risksprecisely what occurred here given the coercive control and dealerthird-party interactions.

Company response to consumer: Closed with explanation