Consumer complaint received 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I XXXX the same email I send to their corporation. Dear XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute and demand immediate resolution regarding unauthorized add-on products included in my vehicle financing contract. Vehicle Information : XXXX : XXXX Purchase Date : XX/XX/XXXX At the time of purchase, I agreed with the salesperson to a payment of {$300.00} for XXXX months. However, during the financing process, your finance representative presented additional documents and used misleading verbal representations to include extended warranty services and GAP insurance without clearly disclosing that these products would materially increase my monthly payment and total loan balance. I was not provided a clear or informed explanation prior to signing. As a result, my payment was increased to {$390.00} for XXXX monthsterms I did not knowingly or voluntarily agree to under full disclosure. On XX/XX/XXXX ( less than XXXX hours after purchase ), I returned to your dealership and explicitly requested cancellation of all add-on products. I was told this would be completed within XXXX weeks. That cancellation was never processed. I returned again on XX/XX/XXXX, at which point I was informed that the original finance employee had been terminated for failing to process similar customer cancellation requests. I submitted another cancellation request at that time, which again was not processed. I made another visit on XX/XX/XXXX, once again requesting cancellation and resolution. Despite multiple attempts and clear notice, the issue remains unresolved. Your dealerships conduct constitutes serious violations of federal and Texas law, including : Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) : failure to clearly and accurately disclose the true cost of credit and inclusion of optional products. Federal Trade Commission Act ( 15 U.S.C. 45 ) : engaging in unfair or deceptive acts and practices, including misrepresentation of optional add-ons. Texas Deceptive Trade PracticesConsumer Protection Act ( Tex. Bus. & Com. Code 17.46 ) : false, misleading, and deceptive acts, including misrepresenting the characteristics or benefits of services and failing to disclose material information. Texas Finance Code ( Retail Installment Sales ) : failure to properly disclose and administer terms of a motor vehicle retail installment contract. Texas regulations governing Vehicle Service Contracts : failure to process timely cancellation and issue prorated refunds upon request. Additionally, failure to honor a cancellation request made within XXXX hours of purchasecombined with repeated inaction across multiple documented visitsdemonstrates a pattern of deceptive, negligent, and potentially willful misconduct resulting in ongoing financial harm. This is a formal demand for immediate corrective action : Immediate cancellation of ALL add-on products ( extended warranty and GAP insurance ), effective retroactively to XX/XX/XXXX. Full prorated refund of all add-on products applied directly to the principal balance of my loan. Written confirmation of cancellation, including updated loan balance and full transaction history. Written explanation detailing why my multiple documented cancellation requests ( XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ) were ignored or mishandled. If this matter is not fully resolved within 7 business days, I will proceed without further notice to file formal complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Texas Attorney Generals Office Additionally, I am prepared to pursue legal action under the Texas Deceptive Trade Practices Act, which allows for economic damages, attorneys fees, and additional penalties for knowing or intentional violations. I expect immediate attention to this matter. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation