{"took":95,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":279,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"18325594","_score":28.29855,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX Repossession This was not a loan/lease vehicle as reported on my credit report. I did not enter into a contract with a bank or credit union for a loan/lease . This was a rental vehicle. This vehicle was not repossessed but surrendered because of constant mechanical problems that were not covered by the warranty/repair insurance that the company stated was on the vehicle. I repeatedly contacted the company about the repairs of the vehicle to no avail. Therefore, I surrendered the vehicle to them because of this problem. I never entered into a loan or lease contract. \n\n\nA FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts is not accurate, and I demand their immediate removal.","date_sent_to_company":"2025-12-28T07:05:31.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70791","tags":null,"has_narrative":true,"complaint_id":"18325594","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2025-12-28T07:05:03.000Z","state":"LA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX <em>Repossession</em> This was not a <em>loan</em>/<em>lease</em> <em>vehicle</em> as reported on my credit report. I did not enter into a contract with a bank or credit union for a <em>loan</em>/<em>lease</em> . This was a rental <em>vehicle</em>. This <em>vehicle</em> was not <em>repossessed</em> but surrendered because of constant mechanical problems that were not covered by the warranty/repair insurance that the company stated was on the <em>vehicle</em>. I repeatedly contacted the company about the repairs of the <em>vehicle</em> to no avail."]},"sort":[28.29855,"18325594"]},{"_index":"complaint-public-v1","_id":"18325593","_score":28.284863,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"XXXX XXXX XXXX XXXX Repossession This was not a loan/lease vehicle as reported on my credit report. I did not enter into a contract with a bank or credit union for a loan/lease . This was a rental vehicle. This vehicle was not repossessed but surrendered because of constant mechanical problems that were not covered by the warranty/repair insurance that the company stated was on the vehicle. I repeatedly contacted the company about the repairs of the vehicle to no avail. Therefore, I surrendered the vehicle to them because of this problem. I never entered into a loan or lease contract. \n\n\nA FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of 100 % accurate information. Ive suffered harm due to these violations and am entitled to resolution in the form of deletions. The accounts is not accurate, and I demand their immediate removal.","date_sent_to_company":"2025-12-28T07:05:28.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"70791","tags":null,"has_narrative":true,"complaint_id":"18325593","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-12-28T07:05:03.000Z","state":"LA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX XXXX XXXX XXXX <em>Repossession</em> This was not a <em>loan</em>/<em>lease</em> <em>vehicle</em> as reported on my credit report. I did not enter into a contract with a bank or credit union for a <em>loan</em>/<em>lease</em> . This was a rental <em>vehicle</em>. This <em>vehicle</em> was not <em>repossessed</em> but surrendered because of constant mechanical problems that were not covered by the warranty/repair insurance that the company stated was on the <em>vehicle</em>. I repeatedly contacted the company about the repairs of the <em>vehicle</em> to no avail."]},"sort":[28.284863,"18325593"]},{"_index":"complaint-public-v1","_id":"6132357","_score":27.856333,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"This account is reporting as \" Repossession '' when in fact it was a lease termination. They circumvent Bankruptcy laws with regards to Repossession, by setting up their contract as a \" Lease with the option to purchase '', maintaining their ability to retain possession of their leased property, under the guise of the vehicle not being collateral to secure an actual loan. This being said, they do not get to ALSO incorrectly report the account as a \" repossession '' in pursuit of an {$8000.00} deficiency balance, when they simply terminated the lease contract and retained their own property. Again, this was not collateral used to secure a loan and therefore not a repossession.","date_sent_to_company":"2022-10-26T16:18:57.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33543","tags":null,"has_narrative":true,"complaint_id":"6132357","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-10-26T16:18:53.000Z","state":"FL","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["This account is reporting as \" <em>Repossession</em> '' when in fact it was a <em>lease</em> termination. They circumvent Bankruptcy laws with regards to <em>Repossession</em>, by setting up their contract as a \" <em>Lease</em> with the option to purchase '', maintaining their ability to retain possession of their <em>leased</em> property, under the guise of the <em>vehicle</em> not being collateral to secure an actual <em>loan</em>."]},"sort":[27.856333,"6132357"]},{"_index":"complaint-public-v1","_id":"10490811","_score":25.791313,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX filed for XXXX  XXXX bankruptcy. My husband and I had leased a car from them in XX/XX/XXXX. We were contacted in a few months by Westlake portfolio management about making payments on the lease. We requested information about the new contract with this company. We believe our agreement with the original company is violated and void because they no longer own the vehicle and lease. Westlake Portfolio management has failed to provide us with any information other than a billing portal and future payment schedule. They have provided a pay-off amount of around {$28000.00} for the minivan we have leased with a current XXXX XXXX XXXX value of {$5400.00}. The original contract states an early lease termination clause that does include associated fees. It does not state we would be required to pay the full amount due for the remainder of the original lease period. They have also repossessed our vehicle previously and moved it over to an auction house in a different state that we had to go retrieve, it cost us upwards of {$1500.00} to \" Reinstate '' the loan and retrieve the vehicle. We were given no notice of warning of repossession and frequently are charged with additional taxes/fees. They fail to provide us with documentation with the terms for early termination and legal documentation to support the validity of the loan or billing amount. As this is a leased vehicle, we do not own the entirety of the debt that has been sold to them.","date_sent_to_company":"2024-10-17T14:58:12.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"36608","tags":"Servicemember","has_narrative":true,"complaint_id":"10490811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2024-10-17T14:08:04.000Z","state":"AL","company_public_response":null,"sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["They have also <em>repossessed</em> our <em>vehicle</em> previously and moved it over to an auction house in a different state that we had to go retrieve, it cost us upwards of {$1500.00} to \" Reinstate '' the <em>loan</em> and retrieve the <em>vehicle</em>. We were given no notice of warning of <em>repossession</em> and frequently are charged with additional taxes/fees. They fail to provide us with documentation with the terms for early termination and legal documentation to support the validity of the <em>loan</em> or billing amount."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["<em>Loan</em> sold or transferred to another company"]},"sort":[25.791313,"10490811"]},{"_index":"complaint-public-v1","_id":"2150273","_score":25.60396,"_source":{"product":"Consumer Loan","complaint_what_happened":"On XXXX XXXX, XXXX, CSC Logics, a loan servicing company XXXX repossessed my XXXX Nissan Versa Note for Defaulting on my payments. \nOn XXXX XXXX, XXXX, the Vehicle was sold at a Private Auction for approximately {$8000.00}. \nPer Nevada XXXXSale or lease of repossessed vehicle : Persons liable on security agreement to be given written notice of intent in advance ; required manner of provision and contents of notice ; rights of persons liable on security agreement. \n1.Any provision in any security agreement for the sale or lease of a vehicle to the contrary notwithstanding, at least 10 days ' written notice of intent to sell or again lease a repossessed vehicle must be given to all persons liable on the security agreement. The notice must be given in person or sent by mail directed to the address of the persons shown on the security agreement, unless such persons have notified the holder in writing of a different address. \n2.The notice : ( a ) Must set forth that there is a right to redeem the vehicle and the total amount required as of the date of the notice to redeem ; ( b ) May inform such persons of their privilege of reinstatement of the security agreement, if the holder extends such a privilege ; ( c ) Must give notice of the holder 's intent to resell or again lease the vehicle at the expiration of 10 days from the date of giving or mailing the notice ; ( d ) Must disclose the place at which the vehicle will be returned to the buyer or lessee upon redemption or reinstatement ; and ( e ) Must designate the name and address of the person to whom payment must be made. \n3.During the period provided under the notice, the person or persons liable on the security agreement may pay in full the indebtedness evidenced by the security agreement. Such persons are liable for any deficiency after sale or lease of the repossessed vehicle only if the notice prescribed by this section is given within 60 days after repossession and includes an itemization of the balance and of any costs or fees for delinquency, collection or repossession. In addition, the notice must either set forth the computation or estimate of the amount of any credit for unearned finance charges or cancelled insurance as of the date of the notice or state that such a credit may be available against the amount due. \nOn or about XXXX XXXX, XXXX I reviewed my credit report and noticed that XXXX XXXX reported I owed {$16000.00}. I contacted CSC Logics and requested a copy of the Notice of Intent to be faxed to me. The representative I spoke with informed me that \" we do n't send out any other notices ''. \nI have attempted to obtain the Notice of Sale per XXXX XXXX Paragraph XXXX and have been unsuccesful. \nThe Required Notices After Repossession In Nevada, a consumer generally has XXXX possible options following a car repossession. \nThe first is to \" reinstate '' the contract by paying all amounts past due, plus any applicable delinquency charges, collection and repossession costs. Upon reinstatement, the car will be returned to the consumer and he or she will begin paying on the contract as if there was no default and repossession. \nThe second option is for the consumer to \" redeem '' the vehicle. This generally means that the consumer will have to pay in full the balance due under the loan, plus any applicable delinquency charges, collection and repossession costs. \nNeither CSC Logics nor XXXX XXXX sent the required notifications as outlined.","date_sent_to_company":"2016-11-21T20:22:22.000Z","issue":"Problems when you are unable to pay","sub_product":"Vehicle loan","zip_code":"89169","tags":null,"has_narrative":true,"complaint_id":"2150273","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"COMPUTER SCIENCES CORPORATION","date_received":"2016-10-06T20:29:04.000Z","state":"NV","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Per Nevada XXXXSale or <em>lease</em> of <em>repossessed</em> <em>vehicle</em> : Persons liable on security agreement to be given written notice of intent in advance ; required manner of provision and contents of notice ; rights of persons liable on security agreement. \n1.Any provision in any security agreement for the sale or <em>lease</em> of a <em>vehicle</em> to the contrary notwithstanding, at least 10 days ' written notice of intent to sell or again <em>lease</em> a <em>repossessed</em> <em>vehicle</em> must be given to all persons liable on the security agreement"],"product":["Consumer <em>Loan</em>"],"sub_product":["<em>Vehicle</em> <em>loan</em>"]},"sort":[25.60396,"2150273"]},{"_index":"complaint-public-v1","_id":"3127218","_score":25.507477,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Via fax number XXXX Attention U.S. Bank XX/XX/2019 Vehicle lease number XXXX To the attention of the repossession department, In a follow-up to my letter of XX/XX/2019 in which I advised the bank of the improper information that was submitted to all the credit agencies in which my truck that is being financed through U.S. Bank has been repossessed which it has preventing me from securing private loan. \nAt all times XXXX, the representative from U.S. Bank in extension XXXX had refused to provide a corresponding clearing up that the vehicle was not repossessed and that I have the vehicle in my possession. I also requested a letter that I can take to the bank in order to get my loan that Im current with my payments and she had refused. \nI have contacted over 15 different lending institution and every one of them advised us that the repossession by U.S. Bank that is being reported determined that I will not qualify for the loan due to that negative report. \nI was advised by my lawyer to terminate early the lease as I can not make any payments due to the negative incorrect reporting to the credit bureaus, and have this matter determined by the court of law. \nThe vehicle is available for U.S. Bank to be picked up at any time, bank should make arrangements and coordinate a proper time and the place for the transaction to take place. Upon picking up the vehicle I am requesting a document that would verify that the vehicle was turned into the possession of the bank. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX","date_sent_to_company":"2019-01-17T11:52:42.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"32771","tags":null,"has_narrative":true,"complaint_id":"3127218","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-01-17T11:43:22.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Bank XX/XX/2019 <em>Vehicle</em> <em>lease</em> number XXXX To the attention of the <em>repossession</em> department, In a follow-up to my letter of XX/XX/2019 in which I advised the bank of the improper information that was submitted to all the credit agencies in which my truck that is being financed through U.S. Bank has been <em>repossessed</em> which it has preventing me from securing private <em>loan</em>. \nAt all times XXXX, the representative from U.S."]},"sort":[25.507477,"3127218"]},{"_index":"complaint-public-v1","_id":"21211987","_score":25.447615,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Complaint Regarding Lack of Proper Notification of Loan Servicing Transfer and Resulting Financial Harm I am submitting this complaint regarding XXXX and Ally Banks handling of my vehicle lease and loan servicing, which has caused me significant financial harm and damage to my credit. \n\nI initially leased a XXXX vehicle from XXXX to XXXX. During this lease, XXXX managed all aspects of the lease through their app, including payment of the lease, XXXX insurance, and charging costs. I made all payments on time and had no issues or missed payments. \n\nWhen my first lease ended, I began a new lease with XXXX around XX/XX/XXXX. As in the previous lease, I submitted my down payment through the XXXX app and maintained my banking information there for all related payments, including XXXX insurance, vehicle charging, and accessory purchases. \n\nHowever, XXXX failed to inform me that with this new lease, the loan servicing would now be transferred to Ally Bank. XXXX collected my down payment via the app and forwarded it to Ally Bank without providing me any written or verbal notification about this transfer or about any new payment portal or account I would need to set up with Ally Bank. \n\nDespite having my correct phone numberTesla had contacted me repeatedly by phone in the past during my first lease to encourage me to renewI received no personal calls or direct communication regarding the loan servicing transfer. Ally Bank claims they mailed notifications to my address, but I was never made aware of these mails. If I had not been notified properly of the loan transfer, how could I have known to take those mails seriously or to distinguish them from marketing materials? \n\nOver the next three months, I did not know I had any account with Ally Bank and never created an online account with them or made any payments directly to Ally. Ally Bank informed me that they tried to reach me through automated calls ( robocalls ). However, due to my phone providers spam filtering ( XXXX ), these automated calls were blocked and never reached me. I confirmed with Ally customer service that these robocalls were their only attempt to contact me about missed payments. \n\nAfter three missed paymentsmy first three payments under Allys servicingthe vehicle was repossessed without any direct prior warning that I was late or who the servicer was. This repossession has severely damaged my credit report, and as a result, I am currently unable to lease another vehicle. While I have maintained the XXXX lease to current payments, and paid the repossession costs, this car was leased for my son. My car was recently rear-ended and deemed a total loss, but due to this damage to my credit, I am unable to lease a car for myself and for the last month made multiple attempts to lease a vehicle with no luck due to this on my credit. \n\nI have attempted to contact Ally Bank several times to resolve this issue, but I have not received any meaningful response or assistance. XXXX has not provided any communication or support regarding this situation either. \n\nI request that the Consumer Financial Protection Bureau investigate this matter as it appears XXXX and Ally Bank failed to notify me adequately of the loan servicing transfer, resulting in missed payments, repossession, and significant financial and credit harm.","date_sent_to_company":"2026-04-14T03:44:07.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"911XX","tags":null,"has_narrative":true,"complaint_id":"21211987","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"ALLY FINANCIAL INC.","date_received":"2026-04-14T02:36:02.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["After three missed paymentsmy first three payments under Allys servicingthe <em>vehicle</em> was <em>repossessed</em> without any direct prior warning that I was late or who the servicer was. This <em>repossession</em> has severely damaged my credit report, and as a result, I am currently unable to <em>lease</em> another <em>vehicle</em>. While I have maintained the XXXX <em>lease</em> to current payments, and paid the <em>repossession</em> costs, this car was <em>leased</em> for my son."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["<em>Loan</em> sold or transferred to another company"]},"sort":[25.447615,"21211987"]},{"_index":"complaint-public-v1","_id":"12300236","_score":25.440498,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"1 ) Breach of Contract ( Lease Agreement ) : XXXX failed to adhere to the \" Total Loss '' provisions ( Section 25 ( b ) ) of lease agreement. \nXXXX sold the vehicle without proper legal repossession, contradicting their contractual obligations. \nThey are claiming default, which also contradicts the contract, given the vehicle was a total loss. \n\n2 ) Unauthorized Disclosure of XXXX : XXXX disclosed my Nonpublic Personal Information ( NPI ), including details from a police report, potentially violating the Gramm-Leach-Bliley Act ( GLBA ). \n\n3 ) Illegal Repossession/Sale : Vehicle was stolen, and XXXX did not legally repossess it from me before \" selling it ''. \n\n4 ) Contradictory Actions : XXXX 's letter claiming \" broken promises '' contradicts the \" Total Loss '' provisions and their obligation to end the lease. \n\n5 ) Financial Harm : I suffered financial harm, including the loss of down payment ( {$6000.00} ), XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( {$3100.00} ), lease payments, and the value of trade-in. \nCredit score has been damaged, leading to loan denials.\n\n6 ) \" Total Loss '' Circumstances : The deer strike rendering the vehicle inoperable, followed by the theft, both constitute a \" Total Loss '' under your lease agreement.","date_sent_to_company":"2025-03-03T20:57:40.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"23222","tags":null,"has_narrative":true,"complaint_id":"12300236","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN HONDA FINANCE CORP","date_received":"2025-03-03T20:37:42.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with additional products or services purchased with the loan"},"highlight":{"complaint_what_happened":["1 ) Breach of Contract ( <em>Lease</em> Agreement ) : XXXX failed to adhere to the \" Total Loss '' provisions ( Section 25 ( b ) ) of <em>lease</em> agreement. \nXXXX sold the <em>vehicle</em> without proper legal <em>repossession</em>, contradicting their contractual obligations."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Problem with additional products or services purchased with the <em>loan</em>"]},"sort":[25.440498,"12300236"]},{"_index":"complaint-public-v1","_id":"8283588","_score":25.336794,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Toyota Motor Credit knowingly allowed me to qualify for both a new vehicle loan and new vehicle lease on the same day even though my income was couldve warranted credit denial.\n\nBased on this deceptive business practice and willful disregard for ability to pay, my vehicle lease ended in repossession and deficiency balance being reported against me. \n\nI was XXXX  hospitalized and military XXXX XXXXXXXX and as XXXX, I also never received any notices from Toyota Motor Credit.","date_sent_to_company":"2024-02-06T02:45:59.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"76502","tags":"Servicemember","has_narrative":true,"complaint_id":"8283588","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-02-06T02:39:36.000Z","state":"TX","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["Toyota Motor Credit knowingly allowed me to qualify for both a new <em>vehicle</em> <em>loan</em> and new <em>vehicle</em> <em>lease</em> on the same day even though my income was couldve warranted credit denial.\n\nBased on this deceptive business practice and willful disregard for ability to pay, my <em>vehicle</em> <em>lease</em> ended in <em>repossession</em> and deficiency balance being reported against me. \n\nI was XXXX  hospitalized and military XXXX XXXXXXXX and as XXXX, I also never received any notices from Toyota Motor Credit."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["<em>Repossession</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["<em>Loan</em> balance remaining after the <em>vehicle</em> is repossessed and sold"]},"sort":[25.336794,"8283588"]},{"_index":"complaint-public-v1","_id":"1358352","_score":25.112848,"_source":{"product":"Consumer Loan","complaint_what_happened":"Santander Consumer USA reported a repossession on my credit report which has cause my nothing but tramua. I was not able to get financial for my son college education, loans for my XXXX degree and etc. The vehicle is in my position after making nessary arrangement Santander. I called Santander to discuss this situtation and was told, \" it is legal for them to report repossession on your credit report even if you receive the vehicle back '' .. The definition of repossession is the term used to denote a financial institution taking back an object that was either used as collateral or rental or leased ... OR ... If you do not make payments you owe on a loan secured by property, the lender may foreclose on the loan or repossess the property. Your lender has a security interest in your car and if you fail to pay, the lender can sue you or repossess your car ...","date_sent_to_company":"2015-05-04T02:56:44.000Z","issue":"Problems when you are unable to pay","sub_product":"Vehicle loan","zip_code":"29418","tags":null,"has_narrative":true,"complaint_id":"1358352","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Santander Consumer USA Holdings Inc.","date_received":"2015-05-04T02:56:43.000Z","state":"SC","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The definition of <em>repossession</em> is the term used to denote a financial institution taking back an object that was either used as collateral or rental or <em>leased</em> ... OR ... If you do not make payments you owe on a <em>loan</em> secured by property, the lender may foreclose on the <em>loan</em> or <em>repossess</em> the property. Your lender has a security interest in your car and if you fail to pay, the lender can sue you or <em>repossess</em> your car ..."],"product":["Consumer <em>Loan</em>"],"sub_product":["<em>Vehicle</em> <em>loan</em>"]},"sort":[25.112848,"1358352"]},{"_index":"complaint-public-v1","_id":"3564932","_score":24.938492,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My wife and I have a XXXX XXXX XXXX leased from Mazda Capital Services ( through Chase Auto Finance ). The account number is xxxxxxxxxx. The lease expired in XX/XX/XXXX and, not wanting to trade the car in yet, we reached out to Chase to apply to convert the lease to a loan. In late XXXX, Chase approved us for the loan and sent us paperwork ( Identity verification, odometer statement, powers-of-attorney, a new Note, etc. ), which we signed, notarized, and returned ( application ID xxxxxxxxxx ). We also continued making the payments as we were instructed by Chase. During this process, Chase asked if we would be interested in signing a lease extension since the lease was expired, to which we responded, no were in the process of converting the lease to a loan, and Chase seemed to be fine with that. We were never informed that signing a lease extension was absolutely required or the vehicle could be repossessed. In mid XXXX, Chase contacted us and said they didnt receive one copy of a power-of-attorney and would need to send us a whole new packet of loan paperwork which was fine and we agreed to sign and return it as soon as it was received ( we never received new paperwork ). However, on the morning of XX/XX/XXXX, we wake up to find the car gone repossessed. After hours on the phone with multiple people at Chase who all gave different explanations for the repossession, we still dont understand what we did wrong. Two different Chase representatives claimed that repo notices were sent to us via XXXX, but when we asked for the tracking number, they said, oh sorry I think it was sent via regular mail, not XXXX. However, we have not received any repo notices by mail or XXXX, or phone. In addition, the Chase lease conversion department continues to contact us to finalize the process, apparently unaware that the vehicle has been repossessed - by Chase. Weve made all payments due since day 1 including after  lease expiration ( as requested by Chase, and Chase does not dispute this ), and we were definitely in the process to convert the lease to a loan ( Chase does not dispute this ), but we find ourselves without the vehicle and not knowing what we should do at this point. In addition, the tire marks in the street indicate the vehicle was dragged away, so were nervous about what damage may have been done to the vehicle by the repo vendor. Chase claims calls were made to us at various times which we did not return, but we have no record of missed calls or voicemails. In fact, one of the representatives we spoke to on Friday, XX/XX/XXXX, ( XXXX ID # XXXX ) was doing some research and claimed to have called us to discuss the repo but the call was static-y and didnt go to voicemail ( we had to call back and eventually somehow found our way back to XXXX ), leading us to believe that other calls may have been made that didnt go through and no additional attempts were made. Clearly, the process to convert the lease to a loan is much more complicated than we anticipated, but at the end of the day, weve made the payments and have done everything ( we thought ) to convert the lease, sign a new Note, and continue making payments. Weve done everything asked by Chase, but now because we didnt understand the process due to what we consider confusing misrepresentation by Chase, we are now faced with having no vehicle and credit that will be ruined due to the repossession. Is it typical for a big financial institution like Chase to harm paying consumers by repossessing their vehicles, with no notice, due to what appears to be clerical errors during the process to convert a car lease to a loan? Again, Chase confirms the payments were made, and the loan paperwork was received, but they believe the repossession was justified? Please help. \nUPDATE : During the past few days we continue to speak with different Chase representatives ( XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, just to name a few ) - no one has offered to be a single point of contact or customer advocate, which makes communication incredibly difficult - we have to explain our situation all over again with each new Chase representative. One person tells us they believe Chase should be able to complete the lease-to-loan conversion with a favorable outcome where we get the car back and move forward with the loan that's already been approved, as they've seen this situation happen before, but then the next person says theres no notes in the system of anybody saying that and theres nothing Chase can do. We receive phone calls from unknown numbers that only ring once and leave no voicemail, and when we call the number back we find that it was Chase, and we start the process all over again. Have we made the payments even after lease expiration? Yes, and Chase does not dispute that. Did we sign, notarize and return the loan paperwork that Chase sent us? Yes, and Chase does not dispute that. But we still have no idea what we did wrong, why our car was repossessed, and why we get different explanations and possible outcomes from every different person we speak with. Were starting to think that Chase representatives dial our number, intentionally let it ring only once, and hang up, then notate their system that they tried to reach us, in order to make it look like they are making an effort to resolve the situation. Obviously our main concern is the damage to our credit due to a repossession. But the secondary impacts are becoming overwhelming - we are trying to manage our family activities with our one remaining vehicle, we've spent hours/days on the phone with Chase going in circles, we now answer every call from unknown numbers as quickly as we possibly can for fear it might be Chase and we'll be penalized if we don't answer, we're losing sleep and the stress is mounting every day. One Chase representative will lead us to believe everything can be resolved but the next Chase representative says there's nothing they can do. As a consumer I've lost faith in Chase and feel completely helpless.","date_sent_to_company":"2020-03-12T21:34:23.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"75071","tags":null,"has_narrative":true,"complaint_id":"3564932","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2020-03-12T20:12:23.000Z","state":"TX","company_public_response":null,"sub_issue":"Problem when attempting to purchase vehicle at the end of the lease"},"highlight":{"complaint_what_happened":["During this process, Chase asked if we would be interested in signing a <em>lease</em> extension since the <em>lease</em> was expired, to which we responded, no were in the process of converting the <em>lease</em> to a <em>loan</em>, and Chase seemed to be fine with that. We were never informed that signing a <em>lease</em> extension was absolutely required or the <em>vehicle</em> could be <em>repossessed</em>."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Problems at the end of the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Problem when attempting to purchase <em>vehicle</em> at the end of the <em>lease</em>"]},"sort":[24.938492,"3564932"]},{"_index":"complaint-public-v1","_id":"18933964","_score":24.715769,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My loan maturity was on XX/XX/XXXX. My Vehicle was repossessed despite me calling to request an extension. The agent said I would get a XXXX XXXX lease extension. I was informed the request would be reviewed, but I was never notified of a denial, approval, or pending status. The call was made on XXXX XXXX at XXXX to get the extension. XXXX 's payment of {$410.00} was also accepted. Remaining Balance is {$6100.00} for the loan to be paid off. \n\nWestlake 's mobile app showed my account as active, accepted a payment of {$50.00} for the extension, and scheduled a future auto-payment for XX/XX/XXXX. Based on this information I reasonably relied on Westlake 's system and was never instructed to return the vehicle.\n\nWestlake repossessed the vehicle without notice while my account reflected an active status. This is a servicing error and a wrongful repossession. I am requesting immediate resolution, repo release, and waiver of all repossession related fees.","date_sent_to_company":"2026-01-22T20:32:41.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"93637","tags":null,"has_narrative":true,"complaint_id":"18933964","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2026-01-22T19:29:28.000Z","state":"CA","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["My <em>loan</em> maturity was on XX/XX/XXXX. My <em>Vehicle</em> was <em>repossessed</em> despite me calling to request an extension. The agent said I would get a XXXX XXXX <em>lease</em> extension. I was informed the request would be reviewed, but I was never notified of a denial, approval, or pending status. The call was made on XXXX XXXX at XXXX to get the extension. XXXX 's payment of {$410.00} was also accepted. Remaining Balance is {$6100.00} for the <em>loan</em> to be paid off."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["<em>Repossession</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["Lender trying to <em>repossess</em> or disable the <em>vehicle</em>"]},"sort":[24.715769,"18933964"]},{"_index":"complaint-public-v1","_id":"4303372","_score":24.646408,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My car was repossessed and the remaining balance is wrong. I had a trade in when I leased this vehicle. Which was valued at XXXX and my loan was for XXXX, now its showing XXXX on my report. They repossessed my car on XX/XX/2021. I also was unable to make payments on the car due to child support issues. They would not work with me.","date_sent_to_company":"2021-04-16T16:14:33.000Z","issue":"Struggling to pay your loan","sub_product":"Lease","zip_code":"329XX","tags":null,"has_narrative":true,"complaint_id":"4303372","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VW Credit","date_received":"2021-04-16T16:09:03.000Z","state":"FL","company_public_response":null,"sub_issue":"Loan balance remaining after the vehicle is repossessed and sold"},"highlight":{"complaint_what_happened":["My car was <em>repossessed</em> and the remaining balance is wrong. I had a trade in when I <em>leased</em> this <em>vehicle</em>. Which was valued at XXXX and my <em>loan</em> was for XXXX, now its showing XXXX on my report. They <em>repossessed</em> my car on XX/XX/2021. I also was unable to make payments on the car due to child support issues. They would not work with me."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Struggling to pay your <em>loan</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["<em>Loan</em> balance remaining after the <em>vehicle</em> is repossessed and sold"]},"sort":[24.646408,"4303372"]},{"_index":"complaint-public-v1","_id":"1442690","_score":24.47035,"_source":{"product":"Credit reporting","complaint_what_happened":"My issue is with a car lease. The car was not repossessed. It was surrendered because of a very serious safety issue with the car. The company did not resolve the issue in a timely manner. My son had to drive the unsafe vehicle back to the original dealer, which was an hour of driving the vehicle. His life was at risk driving this unsafe vehicle. No loan car provided. XXXX resolution center was of no value in helping us resolve this issue. Weeks of talking to representatives, opened a case with XXXX. The facts were not correct on the report on their behalf. The worst service I have ever had. XXXX leased a car to me after the fact without a problem. Also just paid a lease off for my XXXX. My credit is excellent and this unfortunate issue of \" safety '' is hurting my credit.","date_sent_to_company":"2015-08-06T18:08:26.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"91106","tags":"Older American","has_narrative":true,"complaint_id":"1442690","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2015-06-29T17:14:45.000Z","state":"CA","company_public_response":"Company chooses not to provide a public response","sub_issue":"Account terms"},"highlight":{"complaint_what_happened":["My issue is with a car <em>lease</em>. The car was not <em>repossessed</em>. It was surrendered because of a very serious safety issue with the car. The company did not resolve the issue in a timely manner. My son had to drive the unsafe <em>vehicle</em> back to the original dealer, which was an hour of driving the <em>vehicle</em>. His life was at risk driving this unsafe <em>vehicle</em>. No <em>loan</em> car provided. XXXX resolution center was of no value in helping us resolve this issue."]},"sort":[24.47035,"1442690"]},{"_index":"complaint-public-v1","_id":"7757569","_score":24.345476,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My name is XXXX XXXX not XXXX thats a mistake Credit Acceptance XXXX, scanned and fraud me two times 2 vehicle loans one vehicle was repossessed. My credit has been ruined. I have creditors calling me and the attorney generals office sent a letter. They are pursuing fraud and scam charges. They scam me and thousands of other New Yorkers, but they will not mediate my case individually. I have to seek counsel, the dealership who sold me the vehicle is responsible for scam. Also, the price was not XXXX the way it was leased it was only XXXX. I had full coverage insurance on both vehicles, one vehicle was repossessed and ruined my credit. I never had a chance with that one. Both vehicles were lemons, constantly breaking down never got to drive them. There should be records of all the repairs. I did to both vehicles one of them this one I have now second loan I took it to the XXXX and they said its a scrap vehicle. It never should been sold in this condition its dangerous I would like for compensation for both of these fraudulent loans.","date_sent_to_company":"2023-10-25T21:07:19.000Z","issue":"Getting a loan or lease","sub_product":"Loan","zip_code":"14606","tags":null,"has_narrative":true,"complaint_id":"7757569","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CREDIT ACCEPTANCE CORPORATION","date_received":"2023-10-25T20:50:27.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Confusing or misleading advertising or marketing"},"highlight":{"complaint_what_happened":["Also, the price was not XXXX the way it was <em>leased</em> it was only XXXX. I had full coverage insurance on both <em>vehicles</em>, one <em>vehicle</em> was <em>repossessed</em> and ruined my credit. I never had a chance with that one. Both <em>vehicles</em> were lemons, constantly breaking down never got to drive them. There should be records of all the repairs. I did to both <em>vehicles</em> one of them this one I have now second <em>loan</em> I took it to the XXXX and they said its a scrap <em>vehicle</em>."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Getting a <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Loan</em>"]},"sort":[24.345476,"7757569"]},{"_index":"complaint-public-v1","_id":"4325116","_score":24.279846,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"XXXX XXXX Tel : XXXX XXXX XXXX Lender Dispute : VW Credit Please see attached : The original contract which outlines the vehicle lease terms. I can't locate a signed copy but would appreciate it if the Lender provided one. \n\nCopies of insurance certificates, proof of complete coverage on the vehicle in question up until the lease term expired. I inadvertently forgot to cancel the monthly insurance and carried it for a few extra months. \n\nThe car was turned in to the XXXX XXXX dealership in XXXX of XXXX. On the day before the lease expired. The vehicle was not a voluntary repossession. \n\nTwo separate credit reports are attached. One mentions a {$5000.00} balance in XX/XX/XXXX. In XX/XX/XXXX, my XXXX  credit report showed XXXX, no outstanding balances for an auto loan. I've attached copies of the current reporting on my XXXX XXXX, and XXXX  reports, where they are incorrectly reporting 46 late payments. I want both agencies to remove this incorrect information.\n\nEmails from Audi reps offering me different options to lease a new Audi. In one email, the representative mentions my payment status. No delinquent balance and four months remaining on the lease at the time of their offer. Why are they charging 46 payments as late? And charging me in XXXX, XXXX, XXXX when there was no active lease. \n\nI have disputed the VW item with XXXX, and it was removed from my credit report. They did their proper diligence, and I appreciate it. \n\nXXXX radio was still active when I made my final payment to fulfill the terms of the VW Loan.\n\nAt no time have any Audi representatives, or anyone from the VW loan department contacted me regarding the lease and alleged default or loan terms. No phone calls, no letters, no emails other than offers to lease another new vehicle. I'd be more than willing to review any correspondence if produced by VW Credit or an Audi dealer. I have seen absolutely nothing from them. I've requested copies of my payment ledger many times to no avail. \n\nThe car was not repossessed. The lease 's full terms were met, and I'm requesting that the derogatory missed payments please be removed from my credit report as soon as possible.","date_sent_to_company":"2021-04-23T23:03:53.000Z","issue":"Incorrect information on your report","sub_product":"Lease","zip_code":"90043","tags":null,"has_narrative":true,"complaint_id":"4325116","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VW Credit","date_received":"2021-04-23T22:40:09.000Z","state":"CA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["XXXX radio was still active when I made my final payment to fulfill the terms of the VW <em>Loan</em>.\n\nAt no time have any Audi representatives, or anyone from the VW <em>loan</em> department contacted me regarding the <em>lease</em> and alleged default or <em>loan</em> terms. No phone calls, no letters, no emails other than offers to <em>lease</em> another new <em>vehicle</em>. I'd be more than willing to review any correspondence if produced by VW Credit or an Audi dealer. I have seen absolutely nothing from them."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"]},"sort":[24.279846,"4325116"]},{"_index":"complaint-public-v1","_id":"3615139","_score":24.130527,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"We have two leased vehicles with TMCC and have made every payment on line with XXXX. TMCC has been crediting both payments to loan number XXXX ( XXXX ) since XX/XX/XXXX. TMCC repossessed the loan number XXXX ( XXXX ) on XX/XX/XXXX. It is clearly their error and it cost us {$2100.00} due to their error. We just received a letter they are repossessing it again. I am truly lost and need some assistance.","date_sent_to_company":"2020-04-20T23:39:55.000Z","issue":"Managing the loan or lease","sub_product":"Lease","zip_code":"08234","tags":"Servicemember","has_narrative":true,"complaint_id":"3615139","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2020-04-20T23:16:14.000Z","state":"NJ","company_public_response":null,"sub_issue":"Billing problem"},"highlight":{"complaint_what_happened":["We have two <em>leased</em> <em>vehicles</em> with TMCC and have made every payment on line with XXXX. TMCC has been crediting both payments to <em>loan</em> number XXXX ( XXXX ) since XX/XX/XXXX. TMCC <em>repossessed</em> the <em>loan</em> number XXXX ( XXXX ) on XX/XX/XXXX. It is clearly their error and it cost us {$2100.00} due to their error. We just received a letter they are <em>repossessing</em> it again. I am truly lost and need some assistance."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Managing the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"]},"sort":[24.130527,"3615139"]},{"_index":"complaint-public-v1","_id":"3277784","_score":24.058584,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"My vehicle was wrongfully repossessed. I had a XXXX lease through Chase Auto Finance. After the lease term ended, I indicated to Chase that I wanted to convert from lease to purchase and also obtain the purchase financing through Chase Auto. \nOn or about XX/XX/XXXX, I had been told by XXXX XXXX ( loan originator at Chase ) that my credit application was approved, and I was given the loan terms. I told him I accepted the terms and asked him to send me the documents electronically for completion. XXXX also instructed me to pay the lease payment if another one came due before the purchase loan was processed and that if I continued receiving calls from the lease side I could either answer them or ignore them. This could be confirmed by listening to calls between myself and XXXX.I received the documents electronically but also received them via XXXX  overnight XX/XX/XXXX. I executed the documents ( contract, power of attorney ), paid {$20.00} to have my signature notarized on the POA documents, and sent back all documents that were on the provided checklist, along with copies of my vehicle registration, insurance card and driver 's license. These items were returned to Chase XX/XX/XXXX via XXXX   overnight. The contract date indicated on the documents was XX/XX/XXXX. \nOn XX/XX/XXXX, I received a call from Chase Auto. Thinking it was regarding finalization of the loan and how to make payment, I returned the call. It was actually the lease side. I indicated I had returned the purchase documents the week prior and that I assumed the loan would be fully processed and the lease paid out shortly. Also on XXXX XXXX, I received a XXXX envelope at my home. The envelope included a letter from Chase Auto dated XX/XX/XXXX and an odometer disclosure statement. The letter indicated my documents had been received and the odometer statement was all that was needed to finalize the loan. ( Please note : an odometer statement was not part of the original package ). I completed and signed the odometer statement and returned it to Chase Auto XX/XX/XXXX in the XXXX   overnight envelope they provided to me. \nI never received any further correspondence from Chase Auto. \nAnother lease payment was due XX/XX/XXXX, so I did as instructed by the retail lending side and paid the lease payment. This payment was accepted. \nThe first retail loan payment was supposed to be due XX/XX/XXXX. As I still had not received anything further regarding how to pay the loan, and the lease was still showing open for me on the Chase app ad Chase online, I started calling the number provided on the letter of XX/XX/XXXX ( XXXX ). The letter indicated to call that number and choose Option 6. There is NO option 6. I chose option 3 for applications already made, then option 1 for apps made by phone. I have called that number XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. All I ever got is a recording stating they are experiencing high call volume and I will be handled by the next available representative. After 20-30 minutes with no one picking up, I would give up. This occurred more than once a day on most of those dates. I also tried the number I had for XXXX XXXX on XX/XX/XXXX. That number was no longer in service, as they are apparently no longer taking credit apps by phone. \nDuring this whole time, I was monitoring Chase online and the Chase app to see if the lease had been paid off yet. \nThe evening of XX/XX/XXXX, the lease no longer showed on the app or Chase online, so I thought it had finally been paid by the retail side and closed out. \nSunday XX/XX/XXXX, I walked out of my house to go celebrate XXXX 's Day with my stepfather, and my vehicle was gone. I called the police and was told it had been repossessed. I called Chase at XXXX, which was a number I found online. it was the automated payment number, but I got transferred to the Redemptions dept and spoke with XXXX ( ID number XXXX ) who provided me with contact info for the repossession agent and told me I would have to contact them Monday morning. I explained the situation regarding already executing a contract to purchase the vehicle at the beginning of XXXX, and she indicated she forwarded the situation to Disputes and they would contact me in XXXX hours. I had to then go purchase some items I would need for work the next day, as the items I needed were in the vehicle. \nMonday XX/XX/XXXX : I had to find a ride to work. My security badge for work was in the vehicle, so I had to obtain a temporary. The temporary badge did not allow me access through any of the security doors. I work on an enhanced security floor, so could not even get back to my desk if I went out to use the restroom. \nAt XXXX, I contacted the repossession company I was given by XXXX the previous evening. I informed them this is a wrongful repossession and the finance company would need to return the vehicle to me. I also told them not to do anything with the vehicle including open it, remove contents, cut a key. \nAt XXXX XXXX I called XXXX again and was transferred to XXXX ( ID XXXX ) in the Redemptions Dept at Chase. She advised me she sees XXXX emailed Disputes yesterday about the situation and we just have to wait for them. I told her this is a wrongful repossession, and I want the vehicle returned today, I asked for a supervisor and was transferred to Account Supervisor XXXX ( ID XXXX ). I informed him of the above course of events. I told him this is a wrongful repossession, and I want the vehicle back today. I informed him I was filing a CFPB complaint and Executive complaint. I made it clear how disturbing this is given the fact that both loans are with the same bank. He told me there is a note that the credit app expired XX/XX/XXXX. He told me maybe I could start the application process again. I asked how this could happen when all paperwork to complete the loan was returned weeks before. He attempted to transfer me to a number for loans, and the call disconnected. He indicated the number was XXXX. \nXXXX XXXX : Called XXXX and again received a recording indicating they were experiencing extended wait time. \nXXXX XXXX : Called XXXX and received a recording indicating that to apply you need to go online to chaseautoloan.com XXXX XXXX : Called XXXX ( Chase customer service ) again. Agent indicated she didnt see it was flagged for repo and said she was going to transfer me to the Collection Dept. I was transferred to Account Supervisor XXXX ( ID XXXX ) at XXXX XXXX. I gave her the story and again informed her this is a wrongful repo. She attempted to transfer me to XXXX option 3, which is the number Ive been trying to call for weeks and never reached a person. She stayed on the line until XXXX, at which time she told me they were experiencing extended wait time. She suggested I talk to a loan XXXX at a Chase branch who XXXX have a better number. \nAt XXXX XXXX, I again called XXXX trying to determine why my purchase loan never got properly processed thus leading to the wrongful repossession. I again received the recording indicating they were experiencing extended wait time. It was 2 hours and 5 minutes before anyone came on the line. I held that entire time, while I was also attempting to perform my job. Finally, the call was answered by someone named XXXX at XXXX XXXX. XXXX advised that Resolutions was working on it and had actually contacted her for a piece of information. She stated that the tracking number for the Odometer Statement I sent back to Chase XX/XX/XXXX showed that it was received in the mailroom at Chase XX/XX/XXXX ( the next business day ). She said they need to find out what happened between receipt of the final document and the booking team, as it was not showing as received by booking until a month after the mailroom ( XX/XX/XXXX ). Booking supposedly was reaching out to the lease side for a new payoff. XXXX told me she emailed XXXX ( XXXX? ) from Resolutions who is working on the case and appeared to be at lunch. She stated that she would call me back and recited my phone number to me. XXXX further told me this was not my fault since I had returned everything on time and they would work on trying to get it resolved. Once again, I stressed that this was a wrongful repossession and I wanted the vehicle returned today. \n\nTo summarize : I had a vehicle lease with Chase. I was approved by Chase for a new loan to convert from lease to purchase, and I supplied all documents within the requested time. I followed the instructions of the retail side and paid the next lease payment that came due, and it was accepted. Chase admits to receiving my paperwork on time, yet no one started processing it until a month after it was received. Due to the lack of controls and their improper practices, my vehicle was repossessed causing me great hardship, embarrassment, stress and consumed my time. As of this writing ( XX/XX/XXXX at XXXX XXXX ), I have not received a call back, and I still do not have my vehicle.","date_sent_to_company":"2019-06-17T20:44:27.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"32223","tags":null,"has_narrative":true,"complaint_id":"3277784","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"JPMORGAN CHASE & CO.","date_received":"2019-06-17T20:33:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Problem when attempting to purchase vehicle at the end of the lease"},"highlight":{"complaint_what_happened":["My <em>vehicle</em> was wrongfully <em>repossessed</em>. I had a XXXX <em>lease</em> through Chase Auto Finance. After the <em>lease</em> term ended, I indicated to Chase that I wanted to convert from <em>lease</em> to purchase and also obtain the purchase financing through Chase Auto. \nOn or about XX/XX/XXXX, I had been told by XXXX XXXX ( <em>loan</em> originator at Chase ) that my credit application was approved, and I was given the <em>loan</em> terms. I told him I accepted the terms and asked him to send me the documents electronically for completion."],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Problems at the end of the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Problem when attempting to purchase <em>vehicle</em> at the end of the <em>lease</em>"]},"sort":[24.058584,"3277784"]},{"_index":"complaint-public-v1","_id":"14642808","_score":24.052547,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Account paid in full XXXX repossessed the vehicle On my credit report showing that i miss XXXX payments and i called they are telling me that i have negative balance even though i paid in full XXXX months and i have lease end protection plan for XXXX They have the car and still want me to be liable till they sell in auction This is a leased car not loan!!! \nThey are trying to overcharge me","date_sent_to_company":"2025-07-14T20:58:56.000Z","issue":"Incorrect information on your report","sub_product":"Lease","zip_code":"11234","tags":null,"has_narrative":true,"complaint_id":"14642808","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"VW Credit","date_received":"2025-07-14T20:43:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Account paid in full XXXX <em>repossessed</em> the <em>vehicle</em> On my credit report showing that i miss XXXX payments and i called they are telling me that i have negative balance even though i paid in full XXXX months and i have <em>lease</em> end protection plan for XXXX They have the car and still want me to be liable till they sell in auction This is a <em>leased</em> car not <em>loan</em>!!! \nThey are trying to overcharge me"],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"]},"sort":[24.052547,"14642808"]},{"_index":"complaint-public-v1","_id":"5963810","_score":23.795507,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from XXXX XXXX XXXX XXXX. XXXX then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). XXXX XXXX XXXX claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that XXXX would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that XXXX broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one. \n\nXXXX also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called XXXX ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call XXXX indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. XXXX informed me that they would escalate in order to process the lease extension paperwork since it was their mistake. \n\nXXXX then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. XXXX has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed. \n\nI have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by XXXX I will be pursuing legal action and enforcing my rights under consumer law.","date_sent_to_company":"2022-09-08T16:04:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11510","tags":null,"has_narrative":true,"complaint_id":"5963810","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2022-09-08T16:04:51.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage <em>loans</em>, car <em>loans</em> and business <em>loans</em> due to the impact this has caused my credit score. If my credit report is not made clean by XXXX I will be pursuing legal action and enforcing my rights under consumer law."]},"sort":[23.795507,"5963810"]},{"_index":"complaint-public-v1","_id":"11149302","_score":23.779518,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"US Auto Sales Of XXXX XXXX XXXX XXXX  XXXX is where I purchased the vehicle from In XXXX XXXX XXXX XXXX \nIn XXXX I was contacted by Westlake Portfolio Management saying that I owe them for the vehicle. I had not signed any lease with them nor do I know how my loan got into there possession. XXXX between the months of XXXX and XXXX the vehicle was repossessed from my home at XXXXXXXX XXXX How can I file anything against them?","date_sent_to_company":"2024-12-18T14:51:28.000Z","issue":"Repossession","sub_product":"Loan","zip_code":"29550","tags":null,"has_narrative":true,"complaint_id":"11149302","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Westlake Services, LLC","date_received":"2024-12-14T00:55:53.000Z","state":"SC","company_public_response":null,"sub_issue":"Lender trying to repossess or disable the vehicle"},"highlight":{"complaint_what_happened":["US Auto Sales Of XXXX XXXX XXXX XXXX  XXXX is where I purchased the <em>vehicle</em> from In XXXX XXXX XXXX XXXX \nIn XXXX I was contacted by Westlake Portfolio Management saying that I owe them for the <em>vehicle</em>. I had not signed any <em>lease</em> with them nor do I know how my <em>loan</em> got into there possession. XXXX between the months of XXXX and XXXX the <em>vehicle</em> was <em>repossessed</em> from my home at XXXXXXXX XXXX How can I file anything against them?"],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["<em>Repossession</em>"],"sub_product":["<em>Loan</em>"],"sub_issue":["Lender trying to <em>repossess</em> or disable the <em>vehicle</em>"]},"sort":[23.779518,"11149302"]},{"_index":"complaint-public-v1","_id":"5963811","_score":23.768242,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a lease with XXXX from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from XXXX XXXX XXXX XXXX. XXXX then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). XXXX XXXX XXXX claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that XXXX would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that XXXX broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one. \n\nXXXX also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called XXXX ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call XXXX indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. XXXX informed me that they would escalate in order to process the lease extension paperwork since it was their mistake. \n\nXXXX then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. XXXX has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed. \n\nI have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by XXXX I will be pursuing legal action and enforcing my rights under consumer law.","date_sent_to_company":"2022-09-08T16:04:55.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11510","tags":null,"has_narrative":true,"complaint_id":"5963811","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2022-09-08T16:04:51.000Z","state":"NY","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage <em>loans</em>, car <em>loans</em> and business <em>loans</em> due to the impact this has caused my credit score. If my credit report is not made clean by XXXX I will be pursuing legal action and enforcing my rights under consumer law."]},"sort":[23.768242,"5963811"]},{"_index":"complaint-public-v1","_id":"5963084","_score":23.768242,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I had a lease with Hyundai from XXXX XXXX XX/XX/2021 and completed the terms of the lease full ( attached you will find a paid in full email sent to me from Hyundai Motor Finance ). HMF then disabled my autopay and ability to make payments as the terms of the lease were met in full. I then signed a contract for a lease extension from XXXX XXXX XX/XX/2021 ( attached you will find the lease extension contract effective XX/XX/2021 ). Hyundai Motor Finance claims that they sent me various letters on XX/XX/2021, XX/XX/2021, and XX/XX/2021 asking me to return my lease vehicle ( these are all letters that I never received and I would like PROOF that these letters were actually mailed or emailed and not sitting in their database ). It makes no sense that HMF would send me letters to return a lease vehicle after having a signed lease extension on XXXX this means that HMF broke their contractual agreement and incorrectly documented that they sent me notices to return my vehicle based on the old contact and not the new one. \n\nHMF also reported that they spoke to me on the phone on XX/XX/2021 asking me to return the vehicle which is untrue ( I would like a transcript of the call ). I actually called HMF ( they did not call me when we spoke ) asking why my payments are being blocked for my new lease extension agreement through XX/XX/2021. On that phone call HMF indicated that they had a delay in processing my lease extension contract and it was THEIR fault that my payment is not going through for the lease extension. HMF informed me that they would escalate in order to process the lease extension paperwork since it was their mistake. \n\nHMF then wrongly repossessed the vehicle that I was contractually entitled to have until XX/XX/2021 and additionally unfairly reported this information on all 3 credit bureaus even though the paperwork processing mistake was THEIRS and not mine. HMF has since reported it as a charge off for {$190.00} which is the cost of the wrongful repossession and not the cost of any car payment I missed. \n\nI have disputed this several times for over a year over the phone and in writing. This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage loans, car loans and business loans due to the impact this has caused my credit score. If my credit report is not made clean by HMF I will be pursuing legal action and enforcing my rights under consumer law.","date_sent_to_company":"2022-09-08T16:04:44.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"11510","tags":null,"has_narrative":true,"complaint_id":"5963084","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2022-09-08T15:44:58.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["This unfair credit reporting has cost me {>= $1,000,000} in lost mortgage <em>loans</em>, car <em>loans</em> and business <em>loans</em> due to the impact this has caused my credit score. If my credit report is not made clean by HMF I will be pursuing legal action and enforcing my rights under consumer law."]},"sort":[23.768242,"5963084"]},{"_index":"complaint-public-v1","_id":"8268104","_score":23.7533,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Payments where made on time until manufacturing company had a recall on XXXX vehicles my vehicle was on recall from XXXX. XXXX, XXXX till XX/XX/XXXX I informed leasing company kept them updated and explained and even asked them for assistance they declared they would put a hold on the loan if proven car had fell under recall which it did but they never placed the hold once I got the vehicle back on XX/XX/XXXX the manufacturing company charged me {$500.00} to puck up the vehicle then told me I needed a new alternator which I did have to replace on XX/XX/XXXX I do have all necessary documentation for my claim leasing company repossessed my vehicle asked me to refinance I agreed but instead they kept the vehicle and told me to hire a lawyer","date_sent_to_company":"2024-02-01T20:57:26.000Z","issue":"Repossession","sub_product":"Lease","zip_code":"38109","tags":null,"has_narrative":true,"complaint_id":"8268104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Carchoice of Memphis, Inc.","date_received":"2024-02-01T20:34:11.000Z","state":"TN","company_public_response":null,"sub_issue":"Account reinstatement or redemption after repossession"},"highlight":{"complaint_what_happened":["company <em>repossessed</em> my <em>vehicle</em> asked me to refinance I agreed but instead they kept the <em>vehicle</em> and told me to hire a lawyer"],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["<em>Repossession</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Account reinstatement or redemption after <em>repossession</em>"]},"sort":[23.7533,"8268104"]},{"_index":"complaint-public-v1","_id":"3925837","_score":23.642296,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I leased a vehicle with Hyundai motor finance for a period of 48 months, that lease ends in XX/XX/XXXX of this year, I made the payment to Hyundai motor finance directly from my bank account every month, I dont miss a single payment during that period. \nThe point is that we were in the middle of novel Covid-19 pandemic and the XXXX XXXX  were closed, reason that not allow me to return the vehicle on time. In the night of XX/XX/XXXX they send a tow truck to pick the vehicle, I dont them money and now my credit score is ruined, because Hyundai flagged my account as a repossession with the credit bureaus, I have being hurt by that action in my credit files and in a loan that I was trying to get for my Business!","date_sent_to_company":"2020-10-29T18:44:56.000Z","issue":"Problems at the end of the loan or lease","sub_product":"Lease","zip_code":"10457","tags":null,"has_narrative":true,"complaint_id":"3925837","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HYUNDAI CAPITAL AMERICA","date_received":"2020-10-29T18:01:32.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Excess mileage, damage, or wear fees, or other problem after the lease is finished"},"highlight":{"complaint_what_happened":["In the night of XX/XX/XXXX they send a tow truck to pick the <em>vehicle</em>, I dont them money and now my credit score is ruined, because Hyundai flagged my account as a <em>repossession</em> with the credit bureaus, I have being hurt by that action in my credit files and in a <em>loan</em> that I was trying to get for my Business!"],"product":["<em>Vehicle</em> <em>loan</em> or <em>lease</em>"],"issue":["Problems at the end of the <em>loan</em> or <em>lease</em>"],"sub_product":["<em>Lease</em>"],"sub_issue":["Excess mileage, damage, or wear fees, or other problem after the <em>lease</em> is finished"]},"sort":[23.642296,"3925837"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":279,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":279}]}},"product":{"doc_count":279,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Vehicle loan or 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