Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
To Chase Auto Finance, RE : Formal Notice of Dispute, Demand for Validation, and Request for Servicing Records I formally dispute the handling and servicing of my auto loan account and demand immediate written verification of the account status, servicing actions, and collection activity associated with this loan. My account had an established history of accepted late payments and reinstatement arrangements. Following the death of my husband, I experienced temporary financial hardship and made active, documented efforts to cure the delinquency through available XXXX assistance funds before any repossession occurred. On XX/XX/year>, I contacted Chase to obtain the amount necessary to reinstate the account and bring the loan current. I was provided a payoff amount and advised that payment could be made at any Chase branch. I immediately submitted this information to my XXXX representative, XXXX XXXX, for processing of assistance funds. On XX/XX/year>, XXXX XXXX and I jointly contacted Chase Auto Finance to verify the reinstatement amount so payment could be issued. Your representative refused to provide the reinstatement amount, refused to disclose account information necessary to cure the default, and instead directed us to call XXXX. On XX/XX/year>, we again contacted Chase. Your representative again refused to provide the reinstatement amount. I was escalated to a supervisor, who likewise refused to provide reinstatement figures or accept payment, stating that only full payoff in the approximate amount of {$24000.00} would be accepted. At no point prior to these refusals did I receive : - notice of acceleration, - notice of intent to repossess, - notice of right to cure, - notice of charge-off, - or any written communication advising that reinstatement would no longer be allowed. Your refusal to provide reinstatement information or accept available funds despite documented efforts to cure the alleged default raises serious concerns regarding compliance with applicable servicing, notice, and debt collection requirements, including but not limited to obligations arising under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), applicable provisions of the Uniform Commercial Code governing secured transactions, and all applicable state consumer protection and repossession laws. Accordingly, I demand the following immediately : - the current reinstatement amount ; - the current payoff amount ; - a complete payment history for the life of the loan ; - copies of all notices allegedly sent regarding delinquency, acceleration, repossession, or charge-off ; - copies of the retail installment contract and all amendments ; - records of all internal servicing notes related to reinstatement discussions ; - the current repossession status and location of the vehicle ; - and identification of any third-party repossession or collection agencies involved. Please also preserve all call recordings, account notes, servicing logs, collection records, and communications related to this matter, as these records may become relevant in connection with regulatory complaints or potential civil proceedings. I expressly dispute any assertion that I refused to cure the default or failed to make reasonable efforts to bring the account current. The record will reflect repeated documented attempts to obtain reinstatement figures and tender payment through state assistance resources prior to any repossession action. This letter constitutes a formal written dispute, request for validation, and demand for servicing records. I request written response within 15 days of receipt. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation