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Shakil of Dallas TX (01/04/09)
As with many Americans I lost my job, got behind on my car note. I'm now 1 month behind, and occuring late charges which change daily. What was a $560 payment is now $730. When I tried to discuss the issue with Chase, they have the most disrepectful employee's. I also get on the average of one phone call every 45 mins from Chase on my caller ID
Mental anguious, when you do speak with them, they are belittling, ask for a Supervisor and told No, I didn't have a significant reason.
Shakil of Dallas TX (01/04/09)
As with many Americans I lost my job, got behind on my car note. I'm now 1 month behind, and occuring late charges which change daily. What was a $560 payment is now $730. When I tried to discuss the issue with Chase, they have the most disrepectful employee's. I also get on the average of one phone call every 45 mins from Chase on my caller ID
Mental anguious, when you do speak with them, they are belittling, ask for a Supervisor and told No, I didn't have a significant reason.
Chris of Prescott Valley AZ (12/31/08)
I want to add to my complaint about Chase Auto Finance from yesterday. I would like to add that my loan started out at $9995 for a 2004 Hyundai Accent. When I called a month ago to find out my pay-off balance, it was almost $12,000!!! They said due to late payments and a deferrment, they were able to incur more charges against me. They also said the initial loan was for $8300, which is not what my paperwork stated.
They sent me a letter via courier yesterday which stated i needed to contact a representative upon receipt of the letter. The letter said to contact at the number listed below. There was no number listed anywhere on the letter. For them to have sent a letter requesting contact without giving the number they said was at the bottom and the fact that they don't even show the proper amount for the loan, is ridiculous! When I asked them why they showed a different loan amount and that would mean they added more to the loan if the amount they had was correct, they just said it was my fault for not having the right paperwork and they were fully within their rights to raise the amount of the pay-off.
This is not the first car I have financed, but it will definitely be the last I ever do with Chase. They never seem to know anything except the company line of It's not our fault.
My car will be reposeesed in the next day or so. I will have to find some way for my kids to get to school as they go to a charter school which does not provide transportation. We have been harassed by call after call every day from them. They call to the point that we want to unplug our phone. These people are ruthless and unwilling to help. Banks that do business in this manner should be shut down by the government.
Chris of Prescott Valley AZ (12/30/08)
I recently lost my job and fell a couple of payments behind on my car payments. When I spoke with a representative of Chase auto she said to pay up or the car will be reposessed. When I asked her about Chase recieving $25 billion from the bailout, she said I don't see what that has to do with your car payments! I think we should all file a class action lawsuit against Chase suing them for our tax payer money they received since they are not using it to help us!
I will end up losoing my car in the next 24 hours since nobody has any money to help me. After reading all of the stories here, I think there has got to be som sort of legal ground to stand on. I live in an area with no public transportation so I will not be able to get my kids to/from school.
Dooman of Fullerton CA (12/30/08)
I leased automobile for 4 years and chase was financing co. and lease term I purchased automobile and chase also financed. And 3 months ago, I let my grand daughter to use automobile and she was taking care of payments. And she wanted another kind of car, so I let her use other car and she thought I was maiking payment and long stroy short that there were mixed up on my parts. And I made payment thru online and chase still repo my car even though the account was current at time to repo. and I waited until chase to give me instruction to how to reinstate the payment,
I have not received or phone call about this after many tries finally got thru right dept. and paid all the charges and I could not contact right place to pick up the cars. I have not received any pre information of repo or the charges yet. I made my own contacts to find all these.
Made 982.30 payment(700.00 of this repo expenses) and I do not have car yet. I made above payment thru western union per chases request on dec 26, I still do not know where is car. Chase gave two different no. I guess one is who repo the car and the other is aution places. I spent many hours on the phone to get right dept and peoples. I will tell every body not to use chase at all. I do not understand how they stayed in business.
Debbie of Weatherford TX (12/23/08)
In August 2006 my husband died. In his will he left everything that he had to me. This included a truck that is financed by Chase Bank and had credit life and disability on it. The insurance company has denied the claim and I am currently involved in a lawsuit with the insurance company. Chase Bank reposessed my truck three days ago. They said that the truck has been in probate for two years and that if I want the truck bank I need to pay the truck off because they loaned the money to my husband and not to me. I live off of $1300 a month raising 2 of my grandchildren and I manage to make the almost $500 payments every month. Now I don't have a truck. I have contacted the local news station to see if they can help but I am not holding out any hope.
John of Knoxville TN (12/22/08)
All I wanted was a mail address to send my car payment to ; I gave them valid account number an still they refused to give me a mail address to send it to. They have not sent me a payment statement for this month.
Stephen of Fayston VT (12/20/08)
this is an absolutely horrible company to do business with. They lie, then gloat about it! I had fallen behind in my payments due to a work layoff. I explained when i would be going back to work, that I would be in Iraq, and could pay te entire past due off by the end of december. this conversation occured mid November. they agreeed. while i was away, i received an occaisional e-mail confirming our agreement.
3 days ago, they repoed te car. when asked, they said they had always intended on repoing, they just didn't want me to hide the car! this type of deceit is an awful way to do business, and will never do business with them again, nor buy a car from a dealer that even recommends them as a preferred lender! They also called my ex-wife (divorced 5 years) and told her i was way behind in my payments, and needed to speak with me.
it will cost me over $1000 in fees to pay of $2200 in past due charges. $50.00 per day storage, $390 in repossession fees, and all this is if i am lucky, they have given me 10 days to come up with al this, get it to them, get them a notarised letter stating who can get the car....if not, they auction it, I have almost 50%equity!
Heather of Mooresville NC (12/18/08)
I happily wrote out my last payment for my Dodge Durango in 2006. I then received a letter stating I was behind on my payments. When I called I was told no I still owed another $6000!!! Yes not $600 but $6000.00. When I told her no way I had made my last payment and I may owe a LITTLE more but no way $6000.00. She then said they would be more than happy to write another loan for the remaining amount. So I asked to get a full explanation regarding this additional amount then I would look at this and decide what to do. NEVER received anything but nasty calls each time explaining the situation. So I did refinance this amount after the repo threat. I paid this in full writing and writing for an explanation and here I am 2 years later with no answers! Not sure where I will go from here but to court!!!!!
They reported on my credit I was 60 days late on a loan that was suppose to be paid in full!!
John of Baltimore MD (12/15/08)
I have auto payments for the minimum every month for 2 years. 2 weeks ago I receive a letter stating I'm behind on a payment and that I now owe $225+ in late fees. I call them and the first person tells me Auto Pay expires after a certain time period but he didn't know what that time period was. Then he says you should be a responsible adult and keep up with my account. I of course ask to speak to his manager but first he asks if he can deduct the amount I was past due. I let him deduct that since I owe it.
The next person was seemingly understanding. He tells me that it was a refresh in THEIR system. He also states that he will deduct my late fee. The next bill I get of course reflects the payment I gave permission to take out but the late fee is still there ! I call and email and they state it is now NOT THEIR FAULT. And I still owe it. I will close my account. Is there any recourse? They want bailout money and this is how we're treated?
I'm waiting for the next payment due. It will probably be worse. I guess we need to send everything certified. SOmeone needs to start a class action lawsuit on this company. Economic Hardship.
Laura of Las Vegas NV (12/06/08)
My 2005 Silverado was repoed on 11/22/08. I have proof that my pmts were current as of 11/08. (Chase refused to accept my 11/08 pmt) The EXACT same situation happened to me as a gentleman named Daniel in Virginia wrote. On 9/03/08 Chase debited an account twice when only one pmt was authorized! They won't look at my proof of pmts yet say I'm 6 months behind! My Husband took video of BOTH our home and cell phones whereas Chase called me back and forth numerous times on both within like a 10 minute time frame.
I can't afford an attorney as I have now lost my job. So an angel in the Nevada Supreme Court advised me to file a motion on an illegal towing. I have court on 12/08/08 and plan on providing my PROOF and I hope Chase gets a strong reprimand for the trouble and heartache they caused me and my family. Seems as though they have NO morals or values behind how they represent their company. I've had a Chase Visa for about 6 years now and never had a situation even close to this.
I took $10,000 out of my retirement to put down on this truck as a gift for my Husband and also installed the stereo system he wanted which in itself was right at $3,000. I have a remote start alarm on the truck so I am guessing the towing company broke it to be able to tow the vehicle. When I read the other Consumer Affairs complaints so many were so similar to mine, I just had to respond.
Jamie of Antioch TN (12/05/08)
My auto loan is through Chase bank. Each month I go online to pay the bill (a transaction they charge $10 for by the way, in this day and age, who does that?!). In November, their system messed up and docked my payment three times out of my bank account, leaving me pretty broke going in to Thanksgiving. I called Chase to settle the dispute. Each account rep as I got passed around the phone tree could see the duplicate transactions and understood my concern and surely it was computer error because you aren't allowed to make even 2 payments in a day let alone 3 with in seconds of eachother.
Once I finally got to their claims department they wanted documentation that the bill had been paid, statements from my bank etc. they were totally unhelpful and denied any wrong doing or computer error; even though every lower level employee could clearly see that they had been paid when they looked at my account. I turned to my personal bank, Bank of America, for the muscle to help with my claim. Very quickly I had filed two claims against the duplicated charges. With in a week the money was credited to my account. However, this was not the end. It is now two days later, I checked my account balance, and low and behold... a new un-authorized debit had been made by Chase, taking back the money that had been credited to my account! I'm currently on the phone to Bank of America yet again to settle the dispute.
Thanks to my watchfulness on my bank account, I narrowly escaped over drawing my account twice. My rent is now late as a result of their monkeying around with my account. I'm still out the $339 for the time being.
Connie of Oregon City OR (12/04/08)
My husband co-signed on an auto loan with my son for a car. The payments were set up using an auto-deduct from my sons checking account. This worked for the most part until my son no longer had a job and his savings ran out. We called and scheduled 2 payments to be put at the end of the loan so that he could re establish employment and start making the payments again. This is when all the trouble started with them. He got a job and thought the auto payments would re-start after 2 skipped payments. But they did not set it back up. So the calls, and calls started.
Finally, they set it back up to be auto withdrawn from his checking. But then there was that missed payment. He told them to deduct an additional payment and make his account current. Doesn't seem like that would be a problem. Well its been 11 months and we can't count how many collection reps we have talked to. They are rude, hang up on you, pretend they are very experienced until you gain their trust, then simply aren't on the line anymore to resolve the problem. Every month we tell them to go ahead and deduct the payment.
Since this has happened the auto deduct payments have been made on the 3rd of each month and they keep saying that his bank returns the payments. I have faxed bank statements showing no attempts of additional funds have been taken and that the funds are there. They have an internal problem of communication. No-one knows what the last rep did, or how many times they have called or talked to you, the record of conversations must not be recorded or kept until they get their way. In the meantime, late charges keep appearing every month and we keep arguing that we are current except for an April payment that we have authorized to be paid. The collection department can not authorize the removal of late fees, which I think is ludicrous, and we are told to call customer service to remedy those. However, they just can't seem to get the extra payment processed.
When asking to speak to a supervisor, they either hang up on you or say no one is available. They always say that the current month is past due, and don't even know or realize that the account is set up on auto pay. If us faxing the information and requesting it monthly to be done and they just don't get it. I am almost ready to reccomend to my son to go out and trade this vehicle in (which is perfectly good) and get rid of Chase. They are the worst we have ever had to deal with and I don't know how to resolve this and get those late payment charges adjusted from the account.
I am a bookeper and deal with a lot of financing and arrangements and have never had to deal with such inedptness as these employees of Chase offer. Also, on another note, my husband co-signed for him because we were told that if he made his payments on time for 6-12 months, he could re-finance on his own, therefore the auto payments did that and established a good payment history, but when we asked at 6 months and 12 months, he was turned down, saying they don't re-finance their loans. Stuck with Chase for now.
Because of this my husband and son credit history shows late payments since April, which are not fair to them because they told them to take the money and pay themselves.
Annie of Cayce, SC (11/30/08)
I sent a payment to Chase Auto in October,2008, in the amount of $455.00, the regular payment is $434.28 each month. Account Information: this is for a Mazada6, 2008 car. Each month I send my payments early. I am being harassed, early in the morning on Saturdays and Sundays, when the offices are closed and nothing can be done about the situation.
The Chase Auto Representative said they never received the payment. I had sent them a Social Security Disability check in the amount of $380.00 and a money order for $75.00, dated October 10, 2008. This also could be traced, I will never do this again. I called them too and haven't received any input as of yet. I don't have another $434.28 to send them.
Annie of Cayce, SC (11/30/08)
I sent a payment to Chase Auto in October,2008, in the amount of $455.00, the regular payment is $434.28 each month. Each month I send my payments early. I am being harassed, early in the morning on Saturdays and Sundays, when the offices are closed and nothing can be done about the situation. The Chase Auto Representative said they never received the payment. I had sent them a Social Security Disability check in the amount of $380.00 and a money order for $75.00, this was a Postal Money Order, dated October 10, 2008, Post Office 291690, Clerk 0015. This also could be traced, I will never do this again.
I don't have another $434.28 to send them. Could you please help. Without a car I can't get around and also have a disabled minor daughter. Mentally Depressed and don't know why I can't get help, perhaps someone trying to trace the check and money order. Please help me soon, before I lose my car!
Erin of Dallas TX (11/10/08)
I try pay my car payment on time, every month. At most, it goes 10 days past due. It NEVER goes 30 days, BUT they call and harrass when it's 1 day late. They have called my friends and family members before it ever went 10 days late. I understand that when I allow a few days to pass, I will pay a $30 late fee, but their relentless collection efforts are ridiculous ... even though my payment has only been 30 days late once in 4 years!
The car is almost paid off, but they treat me like I've got a bad payment history. When I do call to tell them when I'm making payment, they try to scare me into making a payment over the phone, which costs $20. They bully me until I have to hang up on them. I will NEVER use them again.
Patricia of Indianapolis IN (11/07/08)
I placed a Auto Loan in my name for my son. He got behind in payment and was making payment on the loan but not full payment, Chase Auto Loan was sending him the bill for 3 years, I found out about the problem, when I went into the internet. I called them an asked them why they never sent me a notice and why they never called. know the bill is high and they just sent me a bill. My son told me that he was paying what he could and that he had talked with them and they told him to pay what he could. I didn't know he wasn't making full payments.
The loan is in my name and the bank at that time know that I was helping my son because he was right there with me. They let him come in there an make these low payments an never contact me for along time. Know they want let us make payments at the bank and they want give us a Past Due Amount, since he paid all these low payments he have lost track of the Past Due Amount
They gave us 2wks to paid the loan off $5000.00 and the next day they called an left a message on my voice mail. They want the money now or the vehicle if not they will send a sheiff to my door. I had my home number change due to nasty calls from them all time of night and mornings.
My son couldn't help that his sales went down on his job. He couldn't make the full payment of $400.00 per month and he did talk with the auto people and they told him just pay what you can an they even place a month on hold for him know they want to go back on their word. We don't have $5000.00
Angel of Silver Spring MD (10/24/08)
i purchase a vehicle in full with tags title registration processing fees included bill of sale deal confirm but didnt recieve my hard tags within 30 days. my paper work was never summitted with md mva with 1-5 business as of the sale contract
my 30 days paper tags are expirer. havent recieve my hard tags so im not able to drive my vehicle to work or therapy or taking my mom & dad back in forth to appointments
Cathy of Old Bridge NJ (10/24/08)
I took a auto loan with Chase & all was fine until I was slamed with a $880.end of loan term payment. This is all I can figue out after speaking to many reps. They couldnt even figure it out. All they see is my term (end date of loan & remaining balance) After a year or so I needed to lower my monthly payment amount of 288. so I sent them $4000.oo. When I called them I was advised my payment could be lowered to 196. Great..
I paid 196. for about 3 years. I thought all was fine until I got slamed with a final payment of 800.+ I called & at first no one could tell me why. Then finally was told my loan date end is Aug.2008 & 800.+ is now due & was sent a maturity noticr for that amount. I called many reps looking for help. I explained whoever set up my new lower payment amount SHOULD HAVE calculated it to match the end of the loan but thet did not.They also did not advise me I would be slamed with a last bill of an amount I can't afford.IDIOT !! Why would I set up lower payments & want to end up with an 800.+ last bill??? They set this up. I had no idea this was going to happen. How would one know prior when their auto statements don't even have what the remaining balance is anyway?? All I knew was I was told 196. a month & sent it in.Now I'm being punished by harrasing calls & they are ruining my credit status. It is just unbelievable!!! What recoarse does one have against such a giant. They don't care what has occured.
Ms. of Long Beach CA (10/23/08)
I purchased a 2006 Aston Martin thru Chase Auto and after becoming very ill and my husband loosing his job I immediately called Chase to make arrangements to turn in my vehicle as I was afraid I could no longer afford my $1500 month car payment. I was being proactive and called before I ever missed a payment, however I was told they did not want the car and I should just keep it and try to sell it myself. I was very shocked as I tried to explain I rather surrender the vehicle voluntarily than have it repossed. But they would not accept the vehicle. So I attempted to sell the vehicle but feel 2 months behind. I got a call from Elizabeth in Collections and she said if I made one payment to bring me current she would apply the other month to the end of my loan and the next payment wouldn't be due for 45 days. She also stated that I would be pulled out of collections and it would not be reported to my credit. So I gathered the money together and paid Chase in full over the phone.
A few days later Chase repossed my vehicle!!!!!!!
I couldn't believe it. And I couldn't get in contact with Elizabeth. No supervisor would call me back. One lady hung up in my face. The service was/is horrible.
As a result, Chase did not honor there agreement, ruined my credit, and cost me an addition $600 to get my vehicle out of the impound. The impound stole things out of my car and went for a 400 mile joy ride. They also broke my doors because those idiots didn't know I had custom vertical doors that go up NOT out!
Beverly of Hancock ME (10/14/08)
I purchased a 2007 Subaru Forrester last year. I was making good money at the time, however because of several medical problems and surgery I got behind on my bills. Chase did help me with two payments by putting them at the end of my loan. However, when I asked them to please let me refinance I was told that the loan was too new and that they could not help me but to ask again in six months. I need the help now not in six months.
Also, one of my payments that I sent on time was put towards the principal and not as my payment. So I received sevearal calls on this before it was rectified. I receive calls at least six or seven times a day, and if I am not home sometimes some very rude messages are left on my machine. I am threatened with repo. When I call Chase I never speak to the same person and no one seems to know what was done with any of the other reps.
Why don't they have this infomation before them before they make harrassing calls. I fully intend to make my payments and get my finances back in order but Chase will not listen. Because of this my credit score has dropped and I can not even refinance my home to help myself.
Karen of Cayucos CA (10/12/08)
20 calls daily even though my acct. is up to date..can not get cooperation from customer service I have tried faxing info ,e-mail nothing works to stop the harassment!
No private time as my phone wont stop ringing all my phones minutes are being used up. mental anguish..unable to sleep a full night, stress, uncertainty plagues my every waking hour..possible repo.?
Daniel of Staunton VA (09/30/08)
On 8/29/08, I set up an over the phone payment to be taken out of my checking account w Chase Auto. The payment was withdrawn from my account on 9/3/08. That was fine, I authorized that pymt. What I did not authorize was a 2nd payment on 9/9/08 to be taken out of my account! This addntl' payment Chase decided to take out was NOT authorized! This in turn caused numerous overdraft charges in my account! 12 to be exact!
I have tried to deal with these people over the phone, thru fax, any way I could. But they either hang up on me, I mysteriously get disconnected, then I call back and ask for the person I was delaing with and nobody knows who it is! I have FAXED official Bank statements showing Chase in Black and White what happened, and they are constantly making up excuses like, I could not read it, They are researching it, etc! I am being jerked around and it is not right. This has been happening for 3 weeks now, It has put me further behind on most of my bills. I am down almost a thousand dollars in my checking account because of this. I was even told by one of their reps on the phone that She saw the statements and that Chase did make an error! Did not seem to help! Her name is Jackie.
The consequences of this are I am down 1000 dollars in my bank account. My cars are on the verge of being repossesed mostly because of this. We work paycheck to paycheck and things like this happen and makes it even harder for us to get ahead. I have a wife and 2 children ages 4 and 1 month. We both work full time jobs and try to support our family, It's just real hard when Chase is stealing from us and getting away with it. This is not the American way. Any help would be greatly appreciated.
Derrick of Calumet City IL (09/27/08)
1 year after purchasing a 2007 Ford Taurus which was financed by Chase Auto Finance at 23.125% interest, I contacted Chase to attempt to refinance at a lower interest rate, I had paid my car note on time and in full and was hoping to get a decent rate, after filling out a credit application I was denied, even though nothing had changed since I bought the car as far as my status, only that I had paid 23.125% to them in interest for the past year,
I was told that the criteria that they use for a dealer financing was different then that for a regular ole consumer which left me puzzled and somewhat angry. These are some of the same tactics which help to cause the housing fiasco, unfair interest rates, we are bailing out the same financial institution that are milking folks like me with high interest on auto loans. NO FAIR!
Even though I have paid my car not faithfully and on time, with the high interest rate of 23.125%, I now owe more for the vehicle than the blue book value and the value will decrease constantly, so that at any time during the life of the loan if my vehicle is totalled in a car wreck even though I have paid my car notes, I will owe the finace company
Diana of Troy IL (09/22/08)
I purchase a 2003 Honda CRV in May 2003. My loan was financed with Chase Auto Finance. My first payment was made 6/23/03. My payment was automatically deducted from my checking account for five years, with all payments being made on time as the checking account that the payments were deducted from had sufficient funds every time. Prior to my final payment Chase Auto Finance sent me a letter telling me that my final payment would be in the amount of $351.14. my usual monthly payments were $350.02. I made out the final payment with a check in the amount of $351.14 and sent the payment to Chase Auto Finance. They posted the payment on 5/28/08. On 5/29/08 a letter was written to me thanking me for financing my vehicle with Chase and they sent the letter enclosing my vehicle title.
On 5/30/08 a letter was sent to me detailing that there was an overpayment of $229.85 and they also enclosed a check made out to me. On 7/25/08 a letter was sent from Chase describing that they had made and error and that I needed to send them a check for $229.85. They provided me with no proof that there was an error and I questioned them in regards to this information. I also requested over the course of the following weeks that they provide with the proof necessary and a copy of my payment history.
It took Chase four weeks to provide me with a copy of my payment history and they never provided me with any other proof that I needed to send them $229.85. During which time I have received numerour phone calls and threatening letters detailing their authority to repossess my vehicle that I have in my possession. I have a letter stating that my loan has been paid in full and I also have the title to my vehicle. My problem is that at no time has Chase shown me that the amount of money that was refunded to me was not from an overpayment of interest to them.
Every day I can expect a threatening phone call or letter, or I have the concern that Chase will take action and repossess my vehicle that I have paid in full.
Linda of Ogden UT (09/22/08)
We were late on our payments and had made arrangements to catch them up. We were 56 days late. I know this is unacceptable but in the same tokem we were more than willing and able to catch thejm up. I became seriously ill. They called 3 or 4 times a day even though I had already made arrangements to take care of our late payments. One morning I was really down and ill. Husband works out od town so I was left to deal with the repo man all on my own.
Next day we recieved a letter informong us to take care of the payments or they would repo. Too late. The truck is gane. Why such a hurry? We had it arranged. In this day and age of financial difficulties I just wish for a little more humanity and patience. Every case is as individual as the people and sort of vehicles they choose.
Vehicle was repoed. Hubby had to fly in and miss several days of work to try to remedy the situation and get the truck back. We worked so hard to purchase it and were extremely proud of it. It caused stress and distress on our family. I have Lupus and stress is the one thing that will kill me.
Michael of Carlstadt NJ (09/18/08)
I do bill pay from our checking account every month I show payement sent with a confirmation number from my account through my bill pay I also show the amount debited. We constantly have issues and chase repeadidly calls saying non receipt of payment. Also I authortized. Helen Rohrman on many occasions to be able to speak to them about the account since she does all the bill payments they are ruining my credit because of their incompedience. I need some kind of action since these banking institutions change the rules as they go there is no protection for the consumer I send them a copy of my statement showing the debit and my confirmation number.
This is very distressing along with ruining my credit future
Jennifer of Villa Park IL (09/17/08)
I bought a car with a 18 % intrest rate 8 months ago . My creidit score has gone up and i am on time with my payments every month . They will not refinance me . Saying my creidt is not strong enough.
I am paying more in intrest than in my car payment .
Stephane of Kewaunee WI (09/01/08)
We sent $200.00 0f our car payment and owed 73.01. For the 73.01 we were harrassed everyday 100 x'x a day. By the rudest,most nasty human beings. I had e-mailed 4 x's and received reply's aknowledging my e-mail. I told every caller the check was mailed for the $73.01 to the address on the statement in Louisville Kentucky. I gave them the check number,the time,date and from where it was mailed. The harrassing,rude calls kept coming, & coming & coming & coming. I am very sure Chase has spent in phone calls and paying the harrassers a whole lot more than 73.00. We are going to refinance with our bank to get rid of them.
We have been unable to sleep. We have headaches, Laurence has been sick with the hives. We are just miserable. Laurences mother was killed by a speeding motorist. She was thrown 20' into the air. Her brains were all over the concrete. She suffered for weeks. It took every sent we had and then some to get to her side and bury her. I have told Chase this. Would they not forsake all for their mother under the same circumstance? Maybe Not!!!
Mary of Kalamazoo MI (08/29/08)
Very rude, she calls and trys to talk over you and does not listen
Well she talks to person over that person and gets them in trouble because she lies.
Benito of Thousand Palms CA (08/12/08)
I purchased my 2006 Nissan Altima in December of 2006. It was financed through Chase Auto Finance. I had not had problems with them until June of 2008. I made my payment via their tele-check phone system as usual. A few days later, I went to my bank to get a little cash and was overdrawn $800some dollars. I went online to see why I was overdrawn (I thought I had $200 in my account AFTER my payment went through) and saw that Chase Auto Finance had charged me not once for my car payment, but THREE times, all dated for 6/23/08.
I contacted them immediately, and was told by the girl on the phone that I was not the only call she has recieved regarding this issue, and that I needed fax copies of my statements to prove it, and call back within a week and they would cut me a check. This of course meant I couldn't use my account until I recieved their check, this was unacceptable - they debited my account electronically why couldn't they put the money back electronically? I then chose to contact my bank, and they were good enought to reverse the unauthorized charges as well as the NSF fees. I thought it was over.
I began getting calls from their collections department, saying I hadn't payed my car payment, even though the first of the three charges cleared, and showed as such on my bank statement. Collections began harassing me. I spoke to someone in collections and they were very nasty to me. You don't have the money do you? You can't afford this can you?, were some of the highlights of our conversation. I explained over and over and over to this person that the first charge had cleared, and they illegally charged me three times. I was advised to make my July payment as scheduled, and to fax my statements to prove what I was saying. After a lengthy conversation the collection agent started to back down, and I think started to believe me.
A few weeks later, they CHARGED MY ACCOUNT FOR A FOURTH TIME, which I had my bank reverse. Again, the first charge earlier in the month cleared, why are they trying to charge me over and over? My statement proves the first charge cleared and the other three did not. I made my July payment, and August payment on time, and this is still ongoing. I have visited my bank many times, spoken to numerous people in Chase, have been apologized to, threatened, insulted, and harassed.
The latest is they wanted to defer July payment, though I payed it, so it would't show 30 days late, which makes no sense. I am refinancing my car through my bank as soon as this mess is straitened out. As a side note, my bank is encouraging me to hire an attorney and sue, as debiting my account for those unauthorized charges is fraud, or so I was told by a bank manager. If anyone is ever considering doing business with Chase Auto Finance, based on my experience, DON'T.
Chad of Dakota City NE (08/05/08)
The only complaint thus far is that in order to make payments online, you are accessed a $10 fee and the website is not easily accessible.
$10 each month lost since June in addition to the payments made unless I were to mail payment each month.
Jose of San Lorenzo CA (07/10/08)
I had problems paying my car bacause I was on full commission in real estate. I had communicated with Chase, and my car broke down 3 months after I bought it (BMW $3700 repair not under warrenty). These people are just plain rude. I sent a payment on Monday January 14, and the repo'ed my car from my job the next day. It cost me $1200 to get it back, I was not behind but the manager decided I should prepay Feb payment. He told me I was the same as a blond woman wearing fake gucci glasses because my BMW is not paid on time.
My payment is due on the 3rd, and by the 5th I receive atleast 3 calls a day. The reason for this treatment is, they took a risk on giving me a loan. A big company like chase should have better customer service standards. DO NOT FINANCE THROUGH THEM!
I still have $600 in unresolved late fees.
Treleeis of Howell NJ (06/27/08)
my chevy malibu 2002 was total losss in automobile accident back april 14,2008 and my insurance company had to sign a title for the car and stated they paid the 5338 dollar just this month and now chase is harassing me about coming to get the vechile and I no longer have the vechile. I can not work and have applied to disability and Ihave explained that to them. chase also has not deducted money from the account they are talking about late fees and this stuff I dont' understand what they are talking about default.
the car was totaled in a automobile accident and can no longer be driven my auto insurance company took the car now. They stated it was their car now and Chase is asking me for the car.
Franciene of Philadelphia PA (06/17/08)
I recently called into customer service to make two payments with a posted check dated for 6/30/08. They transferred me over to collection dept. After a short period of holding a representative answered. How could he help me? I answered by stating I would like to do a posted check over the phone for 600.00 dated for 6/30/08. He stated that he could not do it and that I was up for repossession of my vehicle. I said to him I just made a payment about a month ago with a check and it cleared. He said that it doesnt matter and if one more check bounce they (meaning Chase) was coming to get my car. Again I said, What does this have to do with me making a post-dated payment for my May and June Invoice? Again he said that because in the past that I bounce three checks and that if I was to bounce another checked they would come and take my car.
I asked him why he was being so hostile with someone that is calling in to make a payment? He said, I ought to be use to this and that he doesnt have to accept my payment. He even stated, Chase has been to my house on several attempts to take my car. I said, I have no knowledge of this I am only calling to make a payment. Then he said, Since you want to play that he would just force me to make my payment through Western Union which will cost me more money to do. At that point I was so disrespected I hung up the phone. I decided to make the post-dated payment online.
Once that went through I called back to the same number. I spoke to a Kametria Falsom and advise her that I was calling to let them know I have a payment set up on-line to be paid on 6/30/08 and gave her the tracking number. Then I asked her to provide me with the gentlemen name that I had spoken to from the collections dept. I told her how rude he was and she apologize on behalf of the company for his behavior and the she would notate the account that I made a post-dated payment on-line and put me on a promise to pay so I would not receive any collections calls. She told me that the system showed that the collector that I spoke to user ID is MASSAGEO. I asked her to transfer me over to collections dept so I could speak with a supervisor and thanked her for her wonderful customer service.
After being on hold for about 15 minutes I was told that none of supervisors was not available and that I would have to leave a message. I was then transferred to a voicemail system that told me to enter in the extension that I wanted. Of course I did not have one and so I decided to right this letter. I will not pretend that I have always been on time with my payments. There have been many time when I was 60 days behind, however no matter what no one has ever disrespected, degrade or belittle me verbally. Im very much so shocked and appalled by the collector behavior towards me.
Tdh of Independence MO (05/12/08)
The only complaint I have so far, is them calling me way before the payment is due. I got a new car in March 2008 and my first pymt was due April 26. Well approximately 6 days before April 26, which was April 20th I start receiving calls from an 800#, I looked up the number and it belonged to Chase. They never left a message. They called once a day everyday, and never left a message. I was thinking it was my Welcome call, after all I wasn't due until April 26th.
Finally my husband answered and he said they were calling about my car pymt, I told my husband to tell them they cashed my car pymt check so why were they calling? He told this to the rep that was calling and he said the rep mumbled something and hung up. I used to work at Wells Fargo Auto Finance, they called the day that the payment was due, and I thought that was stupid. I would prefer that [they] call me at least 1-2 days before I am getting a late fee, not 6 days before its due, when [they] fail to take into consideration that the check may already be in the mail.
I just think its stupid, and if they're going to call me a week before my payment is due, I'm going to send in a cease and desist or get on their do not call list. Its very annoying. I pay all the bills, and it makes my husband think that I'm not when we start getting calls.
Sonya of Little Rock AR (04/29/08)
this lady continues to call me over and over every day simply because my car note was due on the 20th of april. today is the 28th day of april, she called me and said they are gonna come get my car if i don not make a payment by the 29th of april....now i could understand if i was 2 months behind, but i'm not...i'm not even a mopnth behind....what are my rights.... i'm really tired of dealing with this company.............
Rosa of Yonkers NY (02/12/08)
I closed my account on January 15 because the bank recommended it because I was victim of fraud. They opened a new account; after that they continued charging something that I had not authorized; they paid a check that I did not authorize. I called them, and they said they cannot close it this time.
My account is over limit for more than 30 days; they charged me over limit fees and took money from my savings account to pay the item to the account closed.
Joseph of Newport News VA (01/09/08)
In January 2003, my wife and I purchased a 2003 Jeep Grand Cherokee, and we received a 0.0% apr 60 month loan from Chase Auto Finance. Between February 2003 and April 2005 we made double and triple payments to pay down the loan as quick as possible. In April of 2005 we made our final payment and the following month (May 2005) we received the vehicle's Title. But at the same time we continued to receive bills from Chase indicating we owed $0.00. In fact over the next 31 months we would received this same type of bill indicating we owed $0.00 on a car we held the title on. Soon after receiving the title in May of 2005 we changed banks and closed the checking account we had used to pay off the auto loan. This change was due to branch localities and the saving rates and in no way had any thing to do with the Auto Loan.
In January of 2008 we received a bill from Chase Auto Finance that indicated we owed $431.94, plus a late fee of $21.63. When we contacted Chase about this issue they at first claimed that the vehicle's title was invalid and that there was still a lien on the vehicle even though the Title stated there were no liens. The next day another person at Chase indicated that a payment in January of 2005 had been received, but that the check had some how Reversed itself and that we clearly owed Chase a total of $863.88 plus late fees.
We are currently attempting to get check information on this reversed Check from our former bank and determine where the $863.88 from that check went. So far it appears we will be out at least the $863.88 plus the $21.63 late fee. If we refuse to pay up and go 30 days past due we run the risk of damaging our nearly perfect credit rating.
Andrea of Hampton GA (10/07/07)
Chase has been sending false 3o-day late payments to Equifax, Transunion and Experian. When I contacted Chase Auto to dispute the June 2006 and Nov 2006 30-day late reports. Chase denied my dispute and updated my credit reports stating that my June 2007, July 2007, August 2007, and September 2007 payments were also late (initially they reported them monthly as paid on time)but now they are reflected as 30-days late payments. Therefore, the initial 2 late reports in 2006 turned into an additional 4 late reports in 2007. I of course sent in another dispute against the old reports and the new reports of 30-days late payments, the result- 2 additional late payments were added April 2007 and May 2007. I have been in contact with numerous customer service reps at Chase they confirm these payments are not 30-days late, 2 different Supervisors at Chase has also reviewed my payment history and agreed that the payments were not made not 30-days late. The Supervisors at Chase also sent a request to have my reports updated and this also resulted in the claim being denied. I am being told by Chase that their departement that handles the disputes and updates with the reporting agencies is Customer Account Services and they have no direct contact number or name of a Supervisor that they can call or provide to me, they only have a FAX contact number (1-800-255-9502. I am reaching out for further assistance because now I am being told by the Chase Auto Supervisors that their is nothing more that they can do to assist me with getting my report corrected.
This is negatively effecting my credit history and credit score, and I have been denied credit with Ford Motor and Wachovia Bank because of these erronous late reports.
Janet of Green Bay WI (05/02/07)
I bought a 1999 vehicle in 2000. November of 2006, I stopped receiving payment coupons. Since the vehicle was originally financed through Bank One, I assumed they'd lost the title. I wasn't planning on selling in soon, so I didn't pursue it. 4 months later, I receive a cell phone call from Chase Auto Finance telling me that my vehicle was being repossed. The reason they didn't send me a bill over the last 4 months is because I didn't call them; I mailed a change of address form provided by Bank One with a payment and did not call. When I did call, I got screamed at, You can't pay, can you and That's not our fault.
I sold the vehicle for 4 times of what was owed on it ($1500 - it is an 8 year old vehicle) and financed a new vehicle with leather seats and and an electric sun roof with another bank. Ruined my credit, but I am still able to purchase another vehicle because I have a good paying job as a computer programmer. The financial offer at a prominent Green Bay car dealership told me that Chase Auto Finance is new at car loans and doesn't know how to deal with customers. I won't even go into their bank for a free sucker. Probably get screamed at, You can't pay for that, can you?
Robert of Jackson MS (04/10/07)
I contacted the bill payment department concerning my car payment that needed to be sent off and I needed the correct mailing address. I contacted a representative for the address and they gave me a mailing address in Tampa, FL.
This was the incorrect mailing address that was given to me. Now I have to put a tracer on my money order becasue the bill payment department for Chase Auto has not received the payment and they are constantly bothering about the issue. I don't think this is fair when it's their fault and thye don't claim responsibility for it and they are putting late fees on my account for non-payment. That's bogus!
Lynda of Boca Raton FL (12/15/06)
I purchased a new vehicle through Chase Auto Finance. I paid the vehicle off early (approximately 1-year) and have been 'begging' for my title to my vehicle to be returned to me. I have made over 36-phone calls for them to send it. They assure me it will be mailed and that my new address was updated. It has been over a year and I called again this evening (12/15/06) to find that my address still has not been updated and my title was never mailed after 36+ requests over the past year. I should not have to waste all of this time from my day and go above and beyond to get a simple piece of paper that is rightfully mine!
I need it for vehicle registration and insurance!!!!!! This has cost me A LOT of time and money (long distance calls) to get MY title that they should have sent to me over a year ago.
Dorell of Greeley CO (12/09/06)
After being 51 days late on a car payment Chase placed my car into reposession. At the time I was not aware of this. The repo person went to my work and told them that I was hiding my car from him and that I was 4-5 months behind and he wanted charges filed against me.
Due to me employed as a Police Officer this was a serious matter. I was contacted by my supervisor and was able to explain my side of the story. My supervisor asked for permission to speak with a rep. from Chase. I contacted Derek Bronis my rep. and informed him of my supervisors request. I also told Derek about the situation involving the repo. and that I was unaware of anyone attempting to reposses my care and that I believed the tow truck drivers story about attempting to retrieve my car at my residence was fictitious and he was using my position as a law enforcement officer to obtain the vehicle.
Derek stated he was aware of the repo status but denied having any involvement in the tow drivers action of contacting my work.
I gave Derek permission to speak with my supervisor but I also gave him specific instructions to provide with information concerning my current accounts status.
After speaking with Derek my supervisor called me into his office and told me that Derek provided him with my complete account history for the last four years. He also said Derek told him that he was given specific instructions to provide only current information, but Derek still provided him with a complete account history and said that my behavior was not a good reflection on the police department.
Due to Dereks actions I was informed that disciplinary actions would be taken up to losing my job.
Robert of Springdale WA (04/30/06)
I paid off my Subaru in December 2005,acct. number 102 029 12 5333 04. at that time I sent a change of address as I had moved to Washington State. I had over paid by $2.17 and Chase sent me a refund to my new address.Chase sent the title to my Subaru to the old Oregon address. I have called Chase at lease 15 times and I keep being told that they Chase) have applied to Oregon for a title. and I should receive it in 20 to 25 days.I have received my third letter stating they have applied to Oregon Dept. of Motor Vehicles. My Licence plates expired in Janurary, I had to buy a 60 day Temporary which cost me $85.00 that has also expired,and Washington State will not issue another temporary . I have been unalbe to drive my car since the end of March. I do have pick up truck, but it gets 11 miles to the gallon of gas. Being retired and on a fixed income I have had to forgo two trips we had planned. I have several more trips planned but unless this gets resolved I will have to cancel them.
I have a car that I can not use ,I am paying insurance on the car, I am paying 2 3/4 times more for fuel it cost almost twice as much for tires for the pickup. I am haveing to cancel trips that have been planned so we can enjoy our retirement. I live 48 miles north of Spokane, we have to shop locally and pay higher prices. The stress of dealing with this has caused me more chest pain , The doctor just had me do a ecocartigram to see if my heart contion has gotten any worse. I have not heard the results yet. Please help me get this resolved.
Thomas of Somerville MA (04/25/06)
I was paying my auto loan off, with checking automatics. I had one payment left. They said that they could not take the last payment from my checking account, because the final payment had to be mailed to them. I was late, I did call and asked for the mailing address, I was told a different address to send it to by the rep. on the phone and we both repeted the address. It came back to me being the wrong address. I called again, this time with another address. On the 25 of April, I got a call from the collection agency. I told them the story as to why this looks bad, even thow it IS the LAST payment. She told me to contack them, and talk to customer service to see if they can remove my name from the Credit reporting Agences .
My Credit will be ruined, and or lowered to a new FICO score.
Matthew of Saint Peters MO (04/18/06)
My car was reposesed without just cause and or warning. I had missed a payment in February, 2006, did not recieve a bill in March, so I tried to remedy the situation using Chase\'s On-line banking. I emailed them that I would like to pay them and set up continuous over payments on a set date, so there would be no late payments. The response was to continue paying through the mail until a form came to my address, which I could not do so without a bill, no warning to contact the bank immediately and no number was given to do so. I contacted them again about two weeks later, stating again that I would like to make a payment and set up continuous overpayments. My car was repo'd the next morning, when I contacted the bank they stated it has not been reported as repo'd, they stated to call the police who would know, and in my city, that is the policy. I called the police and it was not reported this way, so I reported my car stolen along w/my checking account info, which I immediately reported to my bank. I contacted Chase again later and they stated that my car had been reposessed as they could not contact me to remedy the deliquent payment. According to Chase's own records, they contacted an old work number, and spoke to an unidentified male at my home number, but did not say who or know who, and I never received this info. They than stated they did not have contact information on me, but since the middle of March of 2006, while I was trying to make payments, they had my home address, my home number, my actual business number, my cell phone number, and my email address to contact me directly. None of these steps were taken by Chase, and my attempts to pay them and set up overpayments were not handled properly. I since recovered my vehicle using the funds I had originally had wanted to pay them with, plus funds had to be spent for the reposession I did not know was coming or was worried that was coming with my efforts to remedy the situation and make sure it was never worried about by either party again. I have copies of the emails and how my contact information was all listed on line. There was no contact after February until my car was repossesed on 4/6/06.
I had emotional stress believing my car and checking info was stolen, had to transfer my account funds and open a new account, missed time from work, had family members miss time from work, had no access to a vehicle or money, had a my credit report effected most likely, personal fears of how my future in-laws saw me as a person, and fear of not being able to function in an emergency financially or being able to get to an emergency for a loved one and fear of losing my job if I could not make it there.
Eileen of Metairie LA (01/20/06)
We are victims of Hurricane Katrina. We were contacted by Chase Auto Finance, back in September, and asked if we possibly needed assistance with paying on our account and were offered up to 3 months of deferment by the representative who contacted us. We asked for a one month extension for the month of September. We have not received our assistance money, we expected, from the Federal Government in order to pay our bills. We tried to reach someone about my account. We left several messages for a Jennifer Firrolo and I have also left a message for a Tonya Sanchez. I explained my situation to the customer service people at the main 800 number and several of their customer service people told us good luck in receiving any help. Everyone, thus far, we have spoken with has quickly told us no or they do not have such authority to help. I have been trying to reach someone (via telephone) and mailing letter to where I send my payment to and the New York Address listed for the last week and a half regarding my account.
We understand that it is not in our contract, nor is Chase Auto Finance obligated to help us with deferments. We are simply asking for help, as we are in dire need of assistance. We spoke with several customer service agents who informed us that they no longer are providing any assistance to the hurricane victims. We were very disturbed by this, as our devastation is by no means over with. We simply wanted to know if, in conjunction with their normal deferment that equates to loan time, we would be able to obtain one.
We have had our loan with you for 4 years. We only asked for one deferment back in 2003 and the latest one in September. We were told, when the representative contacted us for assistance that this would not count against us because not everyone in the nation needed the help. This is not the case from what everyone has told us. Had we known, this would be a problem, we would have requested more time at that point. However, we did not foresee our situation being like this. We simply need some time to get back on our feet, and actually receive our assistance money from the government.
We also did not want our credit affected in the meantime in waiting for the government to help us. So, we thought we were doing the right thing in contacting them proactively. I was finally contacted by Tonya Sanchez who told me that she would have to look at our payment history and also talk to other customer service people who we spoke with about some possible alternate options to help us. This has been going on for over a week now and when we initiate calls to her, we are simply told that she is still looking in to things and will get back to us with a decision. Our car payment is due today, and we have no way to pay it.
We would hate to believe that Chase Auto Finance would refuse to help someone in our situation or not try to help us, considering our circumstances. Again, we would not be asking should the situation not be a dire one.
We cannot afford to lose our car or harm our credit during this time.
Maryellen of Hull MA (05/03/04)
My 2003 Jeep Liberty is leased through Chase. I have called their Customer Service numerous times as well as writing several letters concerning my account balance and excise tax on the vehicle. I was on paymatics which only handles lease payments not tax payments which I knew. I did not know and no where one the statement does it indicate that tax payments are sent to a different address. As a result the checks I sent were applied to the lease balance and not the tax bill. Also every statement I receive indicates that I owe an amount for the property/excise tax every month. I will never lease a vehicle again. Chase customer service folks have the attitude that the customer is wrong and stupid.
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