Consumer complaint received 2025-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Escalation and Rebuttal Chase Auto & XXXX Asset Recovery Reference : CFPB COMPLAINT ID : XXXX Dear CFPB Team, I am submitting this follow-up to my prior complaint against Chase Auto Finance and XXXX XXXX XXXX regarding the improper repossession and sale of my XXXX XXXX XXXX. Chases response contains factual inaccuracies and fails to provide legally required documentation under both New York and federal law. I am requesting a formal reinvestigation and appropriate restitution. 



1. Payment Processing Failures Not Insufficient Funds Chases assertion that my payments were returned for insufficient funds is inaccurate. Multiple payments were accepted, displayed as successful in the Chase Auto app, and later reversed without explanation. This points to an internal processing or posting error, not a lack of available funds.

Under NY Banking Law 108 ( 4 ) ( e ), financial institutions must ensure accurate accounting and crediting of consumer payments. I request that CFPB compel Chase to produce ACH return codes, timestamps, and reversal reasons for all payments made between XX/XX/XXXX and XX/XX/XXXX. 

If the return reason is anything other than XXXX Insufficient Funds, then Chases explanation to the CFPB is false or misleading. 



2. Good Faith Payment Attempts Branch-Level Evidence I made multiple in-person visits to a Chase branch in XXXX XXXX NY during XXXX and XX/XX/XXXX to make cash payments. Chases claim that they could not locate the branch is implausible. 

Every in-branch customer interaction is logged in Chases internal systems ( known as Customer Interaction Notes ). I request CFPB obtain these internal logs to confirm my repeated efforts to resolve the issue and that Chase employees acknowledged the account error. These visits establish good faith payment attempts and disprove the narrative of borrower neglect.

3. Illegal Repossession Breach of Peace under NY Law Chases claim that the vehicle was repossessed from an open lot is false. It was taken from a locked, gated, private parking garage under my residential buildingaccessible only with a resident key fob.

This constitutes a breach of peace under NY UCC 9-609 ( b ) ( 2 ), which explicitly prohibits entry onto private property without consent during repossession. Further, New York General Business Law 601 ( 8 ) prohibits a creditor or its agent from using unlawful means to collect or repossess property.

I request that CFPB obtain and review XXXX repossession logs, GPS coordinates, photos, and tow authorization documents to confirm the vehicles location and method of retrieval. If XXXX entered a secured property without authorization, the repossession was unlawful. 



4. Failure to Provide Proper Notices Chases response lists various alleged notice dates ( XX/XX/XXXX through XX/XX/XXXX ) but provides no proof of mailing, delivery, or tracking. 

Under NY UCC 9-611 and 9-614, a secured creditor must provide authenticated notice of intent to sell and a post-sale explanation of deficiency. Merely claiming letters were sent is insufficient. I request CFPB compel Chase to provide proof of delivery ( certified mail receipts or USPS tracking ) for each alleged notice.

5. Commercially Unreasonable Sale Chase states that the XXXX XXXX XXXX was sold for {$57000.00}. This is not commercially reasonable under NY XXXX XXXX ( b ) given that the vehicle had approximately XXXX miles, was well maintained, and had an original price of {$85000.00} with two years of timely payments.

I request CFPB compel Chase to produce documentation of the auction date, bids received, sale method, and buyer information to determine whether the sale met the commercial reasonableness standard required by law.

6. Requested Remedy Based on the cumulative violations and mishandling described above, I am requesting : 1. Restoration of my repossessed vehicle, if it has not been irreversibly sold or transferred ; or 2. Financial compensation equivalent to the vehicles fair market value at the time of repossession, along with forgiveness of the alleged deficiency balance ( {$17000.00} ) ; and 3. Immediate correction or removal of negative credit reporting related to this repossession ; and 4. A full CFPB audit of XXXX payment processing and XXXX repossession procedures in New York. 



7. Legal Basis for Review This case involves potential violations of : NY UCC 9-609, 9-610, 9-611, 9-614 NY General Business Law 601 ( 8 ) NY Banking Law 108 ( 4 ) ( e ) Federal Truth in Lending Act ( TILA, 15 U.S.C. 1601 et seq. ) Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f ) for false representation and unfair repossession conduct.

8. Closing Chases letter appears to be a templated internal denial rather than a documented investigation. Their dismissal of every claim without producing supporting evidence or delivery records raises concerns about transparency and good faith. 

I request CFPB to require document production from Chase and XXXX and to consider appropriate enforcement or restitution given the potential pattern of consumer harm

Company response to consumer: Closed with explanation