Complaint Review: Chase Auto Finance

I have leased Subarus through Chase Auto Finance for 9 years straight. The first two 3-year leases I turned in my car and was not charged any excessive wear and tear.  The last 3-year lease, I turned in my car which looked better than some of the prior lease turn ins, but was charged the known $300 disposition fee + another $400+ in "excessive wear and tear" despite a $1000 allowance.  This included what was described as a cut in the tire, even though I had a tired warranty. 

When I tried to get descriptions of the so-called excessive wear and tear, I was sent photos that were very difficult to distinguish.  After 3 years of driving the vehicle, many would consider these findings normal wear and tear...not EXCESSIVE wear and tear. 

The end of lease department was very difficult to work with.  They said a supervisor would call me, but no one ever called. They said they would initially send the photos, but then when nothing was received, I called back.  One time, I spoke with the same person that said she was going to send the photos, but she could not explain what happened.  Another time, I called to follow-up on 4 specific items I was contesting from the photos sent, but they again gave the same generic answer that the research department had reviewed all of the charges.  When I asked if those 4 specific items were reviewed on appeal as requested, they said the same line that the research department had reviewed all of the charges.  I was not convinced that anything happened as a result of the appeal. 

I canceled my Chase credit card and do no plan on obtaining lease financing through Chase in the future.  I saw a very similar Rip Off report from another Chase auto finance customer.  I switched from a Subaru to a GM vehicle.  It seems like a pattern that customers that have to pay the disposition fee when not leasing another vehicle through Chase Auto Finance also get hit with excessive excessive wear and tear charges.  Please report if this happened to you too.