Consumer complaint received 2025-04-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I had a pre-inspection done on my vehicle for which my lease was ending. The pre-inspection report showed excessive wear and tear of XXXX tires. The following day I had those tires replaced with new tires and called Chase Auto back to schedule another inspection so the fix can be recorded before I returned my vehicle. The Chase Auto agent said that another pre-inspection is not necessary, because a final inspection will be conducted once the vehicle is returned, and that the final inspection will account for any fixes I had made and final bill will be sent to me based on that final inspection. 

On XX/XX/XXXX I returned my vehicle to the XXXX XXXX XXXX in XXXX XXXX, CA. 

On XX/XX/XXXX I received a statement of charges listing the XXXX tires with excessive wear and tear. I contacted Chase Auto that day and spoke with XXXX ( Employee ID : XXXX ). I advised the rep that the tires were replaced and asked for a copy of my final inspection report. The representative said that they will request that it be sent to me. 

On XX/XX/XXXX I received a phone call from Chase XXXX telling me that my account is past due for not paying the charge of the XXXX tires. I advised the representative that I was still waiting for a copy of my final inspection report. If they would review it, it would clearly show the XXXX tires were replaced before the vehicle lease returned and end of lease. The representative said they will make a note on my account and I should hear back from someone shortly. 

After this, I was receiving non-stop calls from Chase XXXX, each time having the same conversation and anytime I would ask for the final inspection I was advised they would note my account. When I asked to speak with supervisor, I was advised that a XXXX had already reviewed my file and that the charge was valid and must be paid. Every time I would ask for my final inspection report, I received nothing. 

On XX/XX/XXXX, Chase XXXX reported me 30 days delinquent on the debt. On XX/XX/XXXX, I faxed a letter to Chase XXXX outlining the entire situation in writing and again requesting my final inspection report. On XX/XX/XXXX, I received a response from Chase XXXX and they attached the pre-inspection report dated XX/XX/XXXX - not the final inspection report I requested. 

On XX/XX/XXXX, I sent a follow-up letter to Chase Auto advising them that they failed to provide the final inspection report after multiple requests, that instead they keep providing the pre-inspection report, which does not reflect the fixes that were made. I again requested the final inspection report, as well as demanded that they clear the delinquency reported to the credit bureaus, as it was greatly affecting my credit ( with over a XXXX point drop then ) and affecting my financial health and causing me undue stress by dragging this matter out for the past 5 months. I never received a response from Chase XXXX to this letter. 

Today, XX/XX/XXXX, Chase XXXX reported me over 90 days delinquent to the credit bureaus, completely decimating my credit rating which I have spent my life building up. I have never had a single derogatory mark my credit history until this, and Chase XXXX has destroyed my perfect credit history in 90 days time. 

This is my last attempt to settle this situation with Chase Auto Financial Corp. If it is not resolved swiftly and completely, I will have no choice but pursue this matter in Civil Court.

Company response to consumer: Closed with explanation