Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Timeline XX/XX/XXXX Purchased First Vehicle XXXX XXXX XXXX highest type, so bells and safety for my boy Bought from XXXX XXXX XXXX. 
Added a fake {$12000.00} trade-in value from your previous vehicle, though no actual trade payoff was done. It was cash Car was under warranty and intended to be reliable long-term transportation.

You maintained it properly and expected it to last. 




XXXX XXXX Needed Repairs, evaporator, humidty was XXXX or above at all times, had a case open Took the vehicle in due to mechanical issues. Took it to XXXX XXXX XXXX to get repaired, had a rental car waiting Service was not performed adequately instead, I was pushed to trade it in.

Sales staff stated they could put you in something better and claimed it would lower your financial burden. 



XX/XX/XXXX Signed New Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX presented a fraudulent loan application : XXXX OF XXXX Claimed your monthly rent was {$500.00}, when it was actually {$2700.00}. 
XXXX DENIED ME You signed based on verbal assurances, while under significant personal stress, believing it was a legitimate deal. 

The lender, Chase Auto, approved the loan based on false financial information. 





What I've sent. 
They, XXXX, put my check off XXXX down as a trade in. I had to trade in a new car, because I was told it could not be fixed. They made me think they checked it and it was not fixable. After 5 hours of duress I gave in so I can get my boy in time. My initial XXXX was dismissed, I paid XXXX more a month for the lowest level car, w out insurance. A XXXX, no gps! I've sent a copy of my check and both contracts. XXXX This is a formal follow-up regarding my dispute over the misrepresented sale and financing of my current vehicle. I have made multiple attempts to resolve this through email and documentation, yet the issue remains unaddressed. 

Instead of constructive dialogue, Ive received repeated harassing phone calls. many from spam numberspressuring me to make payments without acknowledging the unresolved contractual issues Ive raised. I have provided both versions of the vehicle contracts, which clearly show discrepancies in terms, pricing, and agreement details. 

Despite this, Ive received debt letters that do not appear in my official online account records, alongside escalating threats of repossession. This is creating severe emotional and financial distress. 

In my last recorded phone call, a representative inadvertently confirmed that payment-related notices were received regarding my case, but then placed me on indefinite holdanother indication that my case is being mishandled internally rather than investigated. 

I have also since learned that XXXX XXXX, a representative affiliated with XXXX XXXX, has been named in other complaints for bullying and high-pressure tactics. I am now in contact with multiple individuals who have experienced similar treatment, confirming this is not an isolated case. 

I respectfully demand the following : 1. A formal written response acknowledging receipt of all my submitted documentation.

2. A cease and desist of all phone calls, collection attempts, and repossession threats until this matter is fully resolved.

3. A correction of all inaccurate records associated with my account, including internal and third-party reporting. 

If these demands are not met, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Florida Attorney Generals Office, and pursue legal remedies. 

This is when it was repoed, given 10 days before sale. XX/XX/XXXX Please assist as this car has very personal belongings, ( my dog just passed, had to drive him 2hrs to get cremated, the cooler is still in here ), my last of my cash and my only way to make money as a teacher right now. 
They left no info of whom they are. The more I asked financial person XXXX XXXX XXXX, XXXX XXXX, for communication, the quicker they did this. He had history Account Number :

Company response to consumer: Closed with explanation