Consumer complaint received 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Subject : XXXX XXXX XXXX JPMorgan Chase XXXX XXXX for Violations of XXXX XXXXXXXX XXXX XXXX XXXX and Failure to Comply with Trust Document Requests Dear XXXX, I am filing this formal complaint against JPMorgan Chase XXXX XXXX for XXXX violations, including XXXX XXXX violations, XXXX XXXX XXXX violations, and improper handling of my vehicle and account. Below is a detailed summary of the violations, the penalties, and the agencies that I am notifying of these violations. The next step will be public exposure of JPMorgan Chase XXXX XXXXXXXX XXXX unlawful actions through local media outlets. 
XXXX. Violation : XXXX  XXXX ( XXXX XXXX. XXXX ) - Violation of Automatic Stay Violation Description : JPMorgan Chase XXXX XXXX has violated the automatic stay under the XXXX  XXXX  by repossessing my vehicle without prior approval from the XXXX XXXX This action is prohibited under XXXX XXXX. XXXX, which safeguards debtors from creditor actions during active XXXX  proceedings. 
Penalty : JPMorgan Chase XXXX XXXX will be subject to contempt of court motions, actual damages, punitive damages, and attorneys fees. The XXXX XXXX  will impose sanctions for this violation. 
XXXX to Report : XXXX  XXXX, Federal Judge overseeing my case and the Trustee. 
XXXX. Violation : Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) Violation Description : JPMorgan Chase XXXX XXXX has failed to apply payments properly to my account and failed to acknowledge the XXXX XXXX  I sent. These failures violate the Fair Debt Collection Practices Act ( FDCPA ), which regulates how debts should be handled and collected. 
Penalty : JPMorgan Chase XXXX XXXX will incur statutory damages of up to {$1000.00} per violation, actual damages, and attorneys fees. The Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) will enforce penalties for this violation. 
Agency to Report : Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
XXXX. Violation : Truth in Lending Act ( XXXX ) ( 15 U.S.C. 1601 ) Violation Description : JPMorgan Chase XXXX XXXX improper application of payments violates the Truth in Lending Act ( TILA ), which mandates accurate accounting and timely processing of payments. 
Penalty : JPMorgan Chase XXXX XXXX will be liable for actual damages, statutory damages, and attorneys fees. The Consumer Financial Protection Bureau ( CFPB ) will enforce penalties for this violation. 
XXXX to Report : Consumer Financial Protection Bureau ( CFPB ). 
XXXX. Violation : XXXX XXXX XXXX XXXX ( XXXX  XXXX ) Violation Description : JPMorgan Chase XXXX XXXX has violated XXXX XXXX XXXX XXXX by engaging in unfair debt collection practices, improper application of payments, and failure to acknowledge Trust Documents sent to them via XXXX  mail. 
Penalty : JPMorgan Chase XXXX XXXX will face civil penalties, fines, and potential criminal charges under Georgia XXXX law. The Georgia Department XXXX Banking and XXXX will impose penalties for these violations. 
XXXX to Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX overseeing my case and the Trustee. 
XXXX. Violation : Negligence in Vehicle Handling and Towing Violation Description : JPMorgan Chase XXXX XXXX was responsible for the illegal towing of my vehicle, which resulted in damage to the XXXX system and wheel alignment. This has put my vehicle in an unsafe condition, posing a risk to my safety. 
Penalty : JPMorgan Chase XXXX XXXX will be liable for repair costs, replacement, and compensatory damages. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX will take appropriate action. 
Agency to Report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX overseeing my case and the Trustee. 
XXXX. Violation : Violation of XXXX XXXX Violation Description : JPMorgan Chase XXXX XXXX has failed to acknowledge, review, or respond to multiple Trust Documents I sent via XXXX  mail. This lack of acknowledgment violates my rights and hinders my ability to resolve this matter. 
Penalty : Legal consequences for failure to honor or respond to legal documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and the Consumer Financial Protection Bureau ( CFPB ) will enforce penalties for this violation. 
Agency to Report : XXXX XXXX XXXX XXXX XXXX Consumer Protection Division and the Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with non-monetary relief