Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to you today under circumstances of extreme duress to request your immediate and urgent intervention in a matter that has caused me profound personal and financial hardship. My vehicle, a XXXX XXXX XXXX, was wrongfully repossessed today, XX/XX/XXXX, despite the fact that I paid the loan off in full nearly XXXX months ago. 

On XX/XX/XXXX, to prevent a pending repossession, I made a lump sum payoff of {$34000.00} via cashiers check in a local Chase Bank branch. This amount represented the full and final payoff figure provided by Chase XXXX and I worked directly with a Chase account XXXX during this process and, as instructed, I faxed a confirmation to ensure the payment was properly recorded. 

Shortly thereafter, maybe 4 days later, I called Chase XXXX customer service to confirm receipt of the funds. The representative verified that the payment had been received, the account was satisfied, and the title for my truck would be mailed to me. For the past XXXX months, I have been operating under the clear and confirmed understanding that I own my vehicle outright. 

You can imagine my shock and horror when my truck was towed away today from my location in XXXX, Florida. This action was taken without any warning, and it is catastrophic to me. 

This situation is not just a financial inconvenience ; it is a personal crisis. I have just separated from my wife and am not currently living in my home. The truck is not just my only means of transportation ; it is effectively my home. All of my personal belongings, clothing, work equipment, and essential items for daily living are in the back of that truck, covered by a tarp. Stranded in XXXX without a vehicle, I have no access to my property, my tools for work, or a place to shelter and I have XXXX dogs with me. Given the weather in XXXX, my possessions are at immediate risk of being damaged or stolen. 

When I called the redemption department today, I was told it could take XXXX business days to investigate the legitimacy of the repossession. This timeline is going to impact me so negatively and in my situation this is a very bad thing. Every hour that passes increases the risk of irreparable loss of my property and places me in a more vulnerable position. 

I made an extraordinary effort to gather the resources to pay off this loan in good faith. I fulfilled my obligation to Chase completely. This catastrophic error has now left me homeless, stranded, and without the means to live or work. 

I implore you to intervene immediately. I am not asking for a standard review ; I am pleading for an emergency resolution. I need a member of your team to : Please have the Chase XXXX Account XXXX immediately recognize the payment made on XX/XX/XXXX, and acknowledge this repossession was a mistake. 

Please have the Chase XXXX Account XXXX instantly cancel the repossession order and contact the towing company. 

Please have the Chase XXXX Account XXXX authorize the IMMEDIATE and UNCONDITIONAL release of my truck and all its contents back to me today. 

This is a dire emergency, and I trust that you will treat it as such. I have been a Chase customer and I honored my final commitment to you. I ask that you please require them to now honor their basic obligation to me. 

I am available to speak at any time. 

My Information : XXXX XXXX Chase Auto Account Number : XXXX Vehicle : XXXX XXXX XXXX Phone Number : XXXX Email Address : XXXX Respectfully and with extreme urgency,

Company response to consumer: Closed with explanation