The Law Office of Jason Ingber has filed a class action lawsuit in Los Angeles County Superior Court against a major national bank, alleging unlawful debt collection and false credit reporting practices that have harmed California consumers returning leased vehicles.
Unfair Charges After Vehicle Lease Returns
According to the complaint, consumers who leased vehicles through the bank faced unexpected post-lease charges for alleged damages—even after returning their vehicles in good condition. In many cases, the bank sent unclear or incomplete damage reports months later and demanded thousands of dollars without proper explanation or supporting documentation.
When consumers disputed these charges, the bank allegedly refused to investigate or provide verification. Instead, it reported the disputed amounts as delinquent debts, damaging customers’ credit scores and reputations.
Widespread Impact on California Consumers
The lawsuit seeks to represent a statewide class of consumers who leased vehicles through the bank and were subjected to similar post-lease billing and negative credit reporting practices.
Many consumers, the complaint alleges, maintained excellent payment histories and complied fully with their lease terms, only to have their credit scores unjustly harmed by false delinquency reports.
The complaint also accuses the bank of aggressive and misleading collection tactics, including threats of legal action and credit penalties to pressure customers into paying disputed amounts.
Violations of California Consumer Protection Laws
The lawsuit asserts multiple violations of California law, including:
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The Rosenthal Fair Debt Collection Practices Act (RFDCPA): for using misleading, harassing, and unfair collection methods;
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The California Consumer Credit Reporting Agencies Act (CCRA): for failing to ensure accurate credit reporting and neglecting to mark debts as disputed; and
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The Unfair Competition Law (UCL): for engaging in unlawful and deceptive business practices that harm consumers statewide.
The complaint seeks monetary damages, injunctive relief, and class certification to stop ongoing violations and restore consumers’ credit integrity.
Protecting Consumers from Corporate Abuse
This case sheds light on a growing issue: large financial institutions exploiting lease-end billing processes to extract unwarranted payments from consumers.
By misreporting disputed charges and damaging credit histories, such institutions create financial hardship and stress for those simply trying to close their vehicle leases in good faith.
At the Law Office of Jason Ingber, we fight for consumers harmed by unlawful debt collection, credit reporting violations, and corporate misconduct. Our firm is dedicated to holding major financial entities accountable for unfair business practices that exploit everyday consumers.
Contact The Law Office of Jason Ingber
If you were wrongly charged or had your credit damaged after returning a leased vehicle, you may have a claim.
Contact us today for a free consultation to discuss your rights and potential recovery options.
Our team handles consumer protection, unfair credit reporting, and class action cases throughout California.
We work on a contingency fee basis, meaning you pay nothing unless we recover compensation for you.