Consumer complaint received 2025-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: U.S. BANCORP
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally report what I believe to be multiple violations of my consumer rights under New Jersey law and federal regulations in connection with a vehicle repossession conducted by US Bank. 

On XX/XX/year> ( Saturday ) at approximately XXXXXXXX XXXX, my vehicle was repossessed from the XXXX XXXX XXXX parking lot in XXXX, NJ. I had not received any written notice by mail or email prior to this action, as is required under both New Jersey repossession law and the Uniform Commercial Code ( UCC ), which mandates that creditors provide a Notice of Default and Right to Cure before repossession, and subsequently a Notice of Sale or Right to Redeem. 

In addition, my wallet and government-issued ID were inside the vehicle at the time of repossession. When I contacted US Bank, I was denied any information about the vehicles location, the XXXX company, or how to retrieve my personal belongings. The agent I spoke to on Saturday refused to give his full name, any written documentation, or a confirmation of the repossession. Due to this, I was forced to call XXXX to find out what happened to my car and obtain basic information, which is unacceptable for a financial institution. 

On Monday, XX/XX/year> at XXXX AM, I called US Bank again and spoke with a representative named XXXX. I requested : A breakdown of the amount owed to reinstate or redeem the loan, A copy of the repossession or sale notice, and Contact information for the repossession company to retrieve my belongings. 

She refused to provide any of this information, stating that they dont have to, and denied that US Bank was responsible for my personal belongings inside the car. She also refused to send a written letter about what I owe. When I explained that withholding my personal property including my ID for XXXX days was a violation of my rights, she again refused to provide assistance or escalate the matter. 

Furthermore, the initial agent I spoke to on Saturday was aggressive, unprofessional, and used a tone that I perceived as racially biased and discriminatory. I am extremely concerned about the behavior of your staff and the systemic refusal to follow proper legal procedures. 

I am requesting the following : A full written explanation of the repossession and timeline. 

A copy of all notices I should have received under law, including any mailed or emailed communications. 

A breakdown of the amount due for reinstatement or redemption. 

The name and contact information of the repossession company. 

XXXX access to my personal belongings that were left in the vehicle, including my ID and wallet. 

Confirmation that US Bank is reviewing this incident in light of its legal and ethical obligations. 

If I do not receive a timely and appropriate response, I will escalate this matter to the New Jersey XXXX XXXX XXXX XXXX, and seek legal counsel to explore civil remedies for damages, unlawful repossession, and denial of personal property access. 

Sincerely, XXXX XXXX XXXX XXXX Account number : XXXX Date of XXXX : XX/XX/year> 2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation