system
A chat on subreddit /r/wallstreetbets
human
You don’t “return” new vehicles. They get taken back.
gpt
You can return a vehicle if you know you're not going to be able to make the payments. It's called "voluntary repossession".

You are correct though in that most new vehicles get repossessed involuntarily, which was the case for 3 of them.

Neither situation is ideal though, obviously.