Chase Auto Reviews

I have not got any prior notice to take the car away. This evening, I came out from my office to get some copies of journals from my car, I found there is not my car where I parked. I thought somebody stole my car. But, lately my neighbor told me it was towed. I immediately called to Auto Finance and asked about what was happened and what will be the consequences and what should I do. Then, I realized I never get a call or mail or text from them for a long time. No prior notice and it was towed early morning. I feel like they acted like a thief. And they were not sincere in the procedure. Never send me a reminder/notice.

1. I never got prior notice. 2. I tried to make a payment on 11th, the lady did not accept. She has a hoarse voice, I could not understand. She did not try to convince me well. 3. In fact, I plan to make a payment tonight after my office hour. (Maybe my instinct reminds me), but my car has towed early in the morning, I only knew in the evening.

So, I am very much willing to get a help for this kind of situation. I feel it is unfair. I asked for the supervisor and checked- he said it is fair. My phone is on DNC list. I also asked him for the supervisor or manager to explain what was happened to me. 1. No reminder/notice. 2. Not accepting my payment of 628 on 11th night and not explaining and convincing me to understand the current situation. Please let me have an information for the contact person to get help. I only need to pay 7000 as a remaining balance out of 34000 and I cannot let it go by their cheats and tricks. Please advise me. Thanks in advance.

I called again, they said they didn't lie but FORGOT to put the documents in the FedEx envelope and mailed it to me after creating the tracking number. Then I asked them to just fax the docs to me immediately, they tried to dodge again but I cornered them. Finally, they said they HAVE NOT PREPARED the docs at all! All the lies, lies and lies! Now they are just bouncing me off again saying that they cannot reach DONELLA ** to fix my docs.

We also had to pay $390.00 as a repo charge and when I got to the repo location we had to pay an additional 200.00 in storage fees to them. It went ok, they worked with us. But I felt that a clear explanation would be nice for people in the same situation and those that may want a more clearer explanation of the process. I can assure you we will not get behind on a payment again, but Chase was more than willing to help us get our vehicle back without problems.

One year later which is today, I called Chase Auto Finance today and they see the $3,000 listed but have no explanation of where it went from looking at their contract and they told me to call the dealership. My hunch has always been that the $3,000 was just an extortion fee for them to push my subprime loan through. I don't know if that's legal or not to be doing. I'm a 100% disabled military veteran and they knew that. My total loan amount was $16,400 including the 2% automobile tax and the $160 vehicle registration fee.

Last night they repossessed my car due to delinquent payments. I was assured that I would be current thru March 15th. When I spoke with Chase today the man even said he had to check a different system to look up to see if it showed up in that system! What 2 unconnected payment systems. What kind of banking is that. I have filed an official review and have demanded the call transcripts. However, I am still without transportation and suffer from Lupus which makes walking any distance, more than a block unbearable. Thanks Chase!

I got my loan for my vehicle and they told me that they would send all the documents in the mail. They gave me the option of paying my sales tax out of pocket or as a part of my loan, so I chose as part of my loan. Fast forward nearly 7 months and 6 paid payments later, still had not received title information or anything else to get my plates. I called and complained to uncaring call center folk a dozen times over this period and got nothing but the runaround. "I'll reach out to the lady with the title and have her call you", "I'll send this to our escalation team", etc, etc... I heard it all. I am not sure about the legality of driving my vehicle with the previous leased tags, but they didn't expire until the 6th month of this situation. I do traveling sales, so my car is my life.

It has been nearly 7 months and my situation is still not even resolved. I finally found a manager in Chase's auto department that explained to me that this happens more frequently than he'd like to admit. So do not just take my word for it. He got my title to me within 2 business days at which time I noticed that my title had been notarized by CHASE just 6 days after I started this loan. ARE YOU FREAKING KIDDING ME!! Chase employees lied to me for months telling me that Chrysler Capital had not sent the title to them yet. Then I would call Chrysler and ask them what was going on. It was all mind games and they had my title just sitting there for months.

However, the fun doesn't stop there. My tags expired because of the length this is taking, so I had to get non-renewable 45 day temporary tags that cost me $25 of my own money FOR CHASE'S MISTAKE! So, I take the title to the BMV (as instructed by Chase) and they said they cannot help me. "Go to the title agency." So I go to the title agency and they tell me that I have to pay the sales tax or they won't service my title. I told her that I financed the sales tax with my loan, at which point she told me that Chase should have sent me a check to present them.

I received no check. However, on top of that because it's been nearly 7 months since I signed for my loan... the sales tax has increased in my county. Meaning that the sales tax increased $112. Chase told me that they will not pay the difference even though this was their screw up. They told me to pay the difference out of pocket and bring the receipt back to Chase's Audit team to decide on whether I'll get a refund. Based on this companies dealings so far, I think I am going to be out of luck. It's not a money issue... it's a principle issue. I have spent SO much time away from my job making phone calls, standing in line at the BMV, Title Agency, and Chase. Time is money with a sales job. They have cost me a lot more than $137 (temp tags/change in tax).

So here I sit with 30 days left on my non-renewable temporary tags. Nothing has been resolved and I still do not have my plates. Apparently, I requested to finance my sales tax in my loan and literally 1 month after signing the loan, a PRI PAYMENT was made on my loan account in the exact total of my sales tax. No one from Chase can tell me what this PRI PAYMENT is and none of them have heard of it. They screwed up my loan, it is now back in the "REVIEW" process. I have been told to contact the attorney general office... an attorney... etc... and now I am 30 days from not having a vehicle and this even further affecting my job.

The moral of this story is AVOID CHASE when it comes to financing a loan of any kind. Remember I spoke with a manager that told me this happens more often than he'd like to admit. I do not waste my time writing reviews. I generally roll with the good and the bad and just keep trucking. However, I created this account just to write this review and hopefully prevent at least 1 person from experiencing what I am CURRENTLY going through. AVOID CHASE. You have been warned.

Also, I must mention that this is my first vehicle purchase. I normally lease all of my cars but with a 18 month old and 2nd baby on the way I decided to get rid of an expense. By the way, when I went into the Chase branch to see if they could have any influence on this, the woman was floored when I showed her the title. Apparently, I am not supposed to have the original title in my possession until AFTER I've paid the loan in full... who knew? Obviously not the Chase title department. I have a blank original title with no ownership listed. Even the Chase loan person was lost for words when she saw what they sent me and I'm only 6 months into my loan. THESE PEOPLE DO NOT KNOW WHAT THEY ARE DOING!!! Thank you for your time and God Bless!!

This is double dipping, neither moral nor ethical, it is downright in severe violation of Federal Laws and absolutely ILLEGAL. And, to make the situation even more illegal it is the triple dipping practice of Chase for the very same loan. Instead of being rewarded as a top rated customer for more than 31/2 years, Chase is using my excellent credit, evident from regularity of payments through online banking, to illegally collect even more interest for itself. This practice is beyond fraud as it comes close to a scam and several other violations. The Mazda Capital Services who has colluded with Chase for this loan keep informing me that the matter is under investigation! It appears that after close to three months of investigation they have not (or perhaps do not want) this matter solved. They prefer to use their power to send it to a black hole.

My mother talked with her lawyer and he even said," Something fishy is going on" with Chase Auto Financial end, because this doesn't sound RIGHT! THEY KEEP SAYING, "THOSE PICTURES CAN'T BE RELEASE," to the other bank! On a vehicle I drove for almost two years! Chase, so your Redemption Team have the right to hold pictures from another purchasing bank that needs to see the collateral that they are REFINANCING before sending full payment?

We got home from a weekend away to find our car gone. We called the police - we figured it had clearly been stolen. My husband had the idea that we should call Chase, which I did immediately after calling the police. Yup, they'd repossessed our car. Our online statement at that point was still saying paid/up to date and we had received no phone call, email, contact through Chase Online, or mail regarding this account. I should mention that we HAVE received calls/emails/mail regarding other Chase accounts, so it's not that they don't have our correct information. We were in no way notified that not only were we "delinquent", but that our car would be repossessed. There was no notification even after it happened.

Chase will NOT accept bank statements as proof that we have paid. They say "every other customer who has an issue can get a different document that shows a check was cashed." Um, we didn't pay by check - we paid through CHASE'S own online system. The best part? When I called to find out if they had taken our car (from my landline) I was using my cell phone to look up our online account, which showed we were up to date on payments. Midway through the call, we were locked out of our account. I had to conference in my husband the following day so that they could "unlock" our account - only to have them tell us that our account showed that we had NEVER paid for ANYTHING.

I have been dealing primarily with Natalia and she has at least been courteous. But it's now been 9 days since our car has been repossessed and there is no resolution. I've tried calling her for the last 4 days but she has not been in. Every other representative has been rude, condescending, and absolutely, unfathomably unknowledgeable and unhelpful. I have requested to speak to a supervisor no fewer than five times and have received no callback, ever.

My proposed resolution on day one was to pay whatever they "thought" we owed (even though this would clearly be a double payment) so that our account showed as up to date and we could get our car back while the company investigated what they did wrong on their end. They refused, and said if we wanted the car back we had to pay all the repossession fees and BUY THE CAR OUTRIGHT. I'm sorry, but we are two individuals working in nonprofits and don't have an extra $20k lying around for that purpose.

As of today this issue is not resolved. I have told everyone I know not to use Chase and have actually already had five friends cancel credit cards through Chase. After this is resolved we will be working with Mazda to see if we can get out of our leases so as not to work with Chase any longer. And if I have the wherewithal after the significant stress this has caused me, I'll be pursuing legal action against Chase. Whatever you do, do NOT finance your car through Chase, get a credit card through them, or use them in any way, shape, or form. Tell your friends. This is the worst company imaginable and their business practices are shady at best and illegal at worst.

I've been informed that they will not release the title until this is cleared up. I asked them to prove that the overage box was checked. They refused. I asked them to email me another form. Nope, they won't do that either (but they will fax it, in 2016. Seriously?). They told me to write a letter to them, and I wrote what they told me verbatim. I faxed the letter from work, only for them to tell me they can't accept it. Remember, they told me what to write. So here we are, 2 weeks later. They have my money, and they will not release my title. I've requested supervisor callbacks, only to never have my phone calls returned. Do not ever, ever deal with Chase. In fact, I'm calling Amazon now to tell them my experience and cancel my Amazon card since it is through Chase bank. This company is awful.

I left the conversation on a conference call with two representatives who were talking in circles. I'm not even sure if the problem is resolved. All I wanted to do was make sure I was getting reimbursed for that monthly charge that should not have been withdrawn and to cancel my automatic monthly payments from here on out. I have no idea why that was so difficult. One representative had a huge attitude the entire time. When I asked to speak to a supervisor, she ignored my request. When I asked to get an email confirmation regarding them closing my account/automatic payments, they said they can't do that. It really seems like they need to get more training in customer service and to be more knowledgeable in assisting clients. Fingers crossed I get reimbursed.

These two people consistently got my name wrong along with another on my account. The customer service was the worst I've ever encountered and they still couldn't take the payment close to an hour on the phone. As of today August 17th, I spoke to a terrific customer service rep, who's name I didn't get, get number is (**) and only took 5 monies to complete my transaction. I hope my recorded conversation from yesterday can be reviewed in order to help train others and retrain the two I spoke to on customer service.

He flat out lied and said that he was typing the letter and even went so far as to as me questions as if he was asking for information to place in the letter and he stated that the letter would be "rushed out" that day. Well, it is 5 days later and I have not received the letter and when I phone today I spoke with a female who looked in my "file" and she did not see that the letter I required was accomplished but there were instructions in my file on the process on how to request such letter. So why after speaking with 3 different representatives previously they all lied that the letter would be sent out immediately if they had no intentions on sending a simple letter stating what is required by the storage facility contractor. Either they are lazy as hell or the company has a policy of lying to its customers.

Either way, I will not do business ever again with Chase and I am going to inform the Base Legal Office so they can inform other military members to stay away from Chase Bank. I am taking my vehicle to the storage facility on Monday and I will be calling Chase from there and someone is going to fax me a letter or I will be filing a lawsuit against this company. Their customer service is horrible and if this is how they treat military members who are on orders to be reassigned, I can imagine how they treat other customers. My stress level has been elevate to the extreme in the past week because of this company and their sorry representatives.

I'm so sick of having to call and have the person on the phone argue with me that they don't care that I'm looking at my bank statements that say we paid Chase Auto with a payment option through THEIR website because they don't see it on their system. Sometimes I just want to give them the car and be done with them.

When I called a couple hours later they told me it was not received, but I called again another hour later and it had been received. Due to it being just after 5pm, the DMV was closed and they couldn't move forward with the process. They are very incompetent and you have to do their job for them (calling them multiple times instead of them following up with you). I have been a customer even before it was Chase Bank (since I was a Washington Mutual customer) and they didn't treat me as a valued customer. If you can get a decent interest rate for an auto loan elsewhere then I recommend avoiding Chase Auto finance!

I called Chase to advise them of the issue.. and tell them I authorized payment for 2/6/2016 not 01/26/2016. "What happen?" The rep said "I don't see a pending payment for 02/06/2016." I said "of course not because the rep entered the wrong date." She said "Oh I'm sorry there is nothing we can do.." I said "Don't you all record all calls...then listen to call please." She said "no the account was behind and the payment brought current to date." So you all can do whatever a rep wants just add on random dates. I'm so upset about this. My account is going to overdrawn.

I called them when the second payment did not take. Their online payment/technical person walked me thru the steps. Everything seemed to look good on my end, the online/technical person stated that things were good and that there would be no more problems with the payments occurring automatically. Chase's credit department called today, 1/7/16 to tell us that we are 2 months past due. So the payments are still not occurring. We made one months payment and plan to come up with the 2nd months payment. But, we were informed that Chase will probably be reporting a negative report on our credit. I don't post this because their website is not functioning properly, I am posting this because they will unjustly report us to the credit bureaus. Will never use them again for anything.

Once they reopened they called harassing me about the payment of $72. I asked to file a complaint and their supervisor so called was not there. Said he would be there in an hour. So I called back an hour later, made a $50 payment and the stupid ** tried to argue with me about 72-50. The ** just insisted that it is $22 then her ** transfer me and the piece of ** started harassing me about $22, was talking over me and when I said they have no customer service. He said they didn't have to have customer service skills and when I asked to speak to the manager the ** said that the manager just left for lunch.

Chase uses any tactic to get as much interest/raise rates for no reason. Be careful not to get stuck. This is coming from a person with many years of financial experience and 800+ credit score. I have worked with numerous banks both personal and business relationships. Have never experienced such disrespect as I have with Chase. If you can get a loan with Chase - you can get a loan with many other companies that will treat you with respect. Many other banks I have worked with treat me as if I am their top priority and a valued customer.

I am a disable Vietnam veteran. I have a life alert home system in my house and my health is at the level I cannot buy life insurance as well. I just mail another packet to Chase Bank with everything I could show Chase Bank, why I could not keep my truck. All I have to say is this Chase Bank, why you kept kicking me? Why I am down and due to my health I am not sure how much time I have on the earth. I have been honest with you. Chase Bank. Why do you want to keep bully me and hurting me? I DID not ask for my health to get worst on me.

With no money in my account and my credit cards maxed out; I returned to fulltime employment on September 21st. Two weeks ahead of schedule. On the 23 of September Chase called me to inform me that I was 10 days late on my payment and wanted to know what I was going to do about it. I told them I would make two payments in October. Today; the 25th. I was called again informing me I was now 12 days late. I told the lady. "You people have known about my situation for months. I told the guy who called me two days ago I would pay two payments next month." She replied. "What day will you pay?" I replied. "I can't give a definite day because I am not home; I am on a ship. I just started back to work on Monday and I will need a family member to go to the bank and handle the payment."

She said. "Since you can't give me an exact date we are sending this to collections." I said, "I tried to work with you people. I have done everything I said I would. You will get paid, up to date, in a few weeks. Now due to your unwillingness to work with me, you are going to ruin my credit? This is a situation you people created." I have banked with Chase for 11 years and for four years I have paid every payment on time. This is how Chase Bank treats its loyal customers. I am settling this loan as soon as I can and I will NEVER do business with Chase again.

In February, they sent to the credit bureau that we had 18 months IN A ROW delinquent on the account (which was not true or they would have repossessed the car) so we complained to Chase and the credit bureau and had that fixed. They in August when the title had not arrived, Benjamin checked his credit and saw that there was a $452 balance on the account and it had been hitting his and his father’s credit all that time. So he called Chase and they refused to correct it even after they realized they had misplaced a payment (placing someone else's payment on our account and giving us an incorrect payoff).

I SPOKE PERSONALLY with 2 people who said a supervisor would call me back and never did either time. And after following up a 3rd time and speaking to 3 reps/supervisors, nothing was settled so I refused to pay the amount and am willing to get a lawyer to fight this as well as contacting the credit bureau. We will be taking our bank accounts to another bank as soon as possible and we will NEVER DO OR RECOMMEND BUSINESS WITH CHASE AGAIN unless this is resolved properly in our favor!

Really Chase?!? Just a couple weeks prior to that I was told there were several options we could look at!!! I even told them they would have two payments by the 18th and the response I received was, "You may want to think about refinancing." Chase does not do "whatever they can" to help anyone, and no one there is "on the same page." Ridiculous! You would think that a company as big as they are would at least keep their word and try to help you out!

The redemption department did not accept that. Their argument was it had to be Western Union, MoneyGram or wire transfer. When asked how I was able to fix this so that I was able to get my car back they suggested my aunts bank fax over on letter head stating the funds were available. The next day 7/20 me and my aunt's bank called in. He stated due to the bank's security policy he could only do a verbal. The redemption department didn't accept that. My aunt's bank had tried to stop the personal check so we could issue a certified check. The funds were already paid so we couldn't do that. I then called Chase Auto loan customer service. They said the check had cleared and the title and release of the lien was mailed out to me that same day.

I called back to the redemption department and got Lane on the phone again. He told me that wasn't true and the only title that was being process was for auction. I then asked to speak to a supervisor and a rep named Chris got on the phone and told me that I could not get the car back even if I had the title or the release of the lien in my hand. I called again on 7/21 to find out if they would release my vehicle again and they told me no. They needed proof from my aunt's bank that the check would not be stopped. I called my aunt's bank again and they faxed over a copy of the check with the stamp of the bank and his business card with another verbal agreement that the check would not be stopped. I was told that wasn't good enough. I would need verification from the Chase branch the check was deposited at by a rep named Aris id# **.

She then started rehashing to me their policy and that even though the account was closed and the funds were processed I was not able to get my car back. I got very upset and asked to speak to someone higher to her. Then a rep named Marcus id# ** got on the phone and said I would not be getting my car back for ten days till they process the payment. I mentioned the account was closed and paid again. He told me that was his policy and when I said Chase Auto finance mailed me the title & release of the lease he said that was not true and I was getting false info from the cust serv department. He then said he would call me back to see if there was anyway he could speed up the process. I never received a call back from him.

I also contacted the Chase branch where the payment was made and spoke to the branch manager. He said he would find out about it and call me back by 6 pm with good or bad news again. The manager called me at 6:05 pm and said he was on the phone with the redemption department for almost two hours and could not get any answers. He told me I would hear from him the next day and he also verified the account was paid in full and closed. I was also never called back from the redemption department.

When I contacted them again I was told my car was already sold and I was credited $980. When I questioned why I never received notice they didn't have an answer and I asked why they sold it so cheap when I was more than willing to try and work something out so my kids and I could have a vehicle. I then requested a payment history from them which is incorrect because I have confirmation numbers that prove I paid more and I also requested proof of repossession and resale for my records which I still never received. I understand I got behind on my payments but they were wrong for not properly giving written notices and for selling my vehicle for $980 when according to fair market value a personal sale estimated at lowest 6120, a dealership sale estimated at 8267-11000.

I then asked to speak to a supervisor and he tells me that the car sold for less than what I owed so that was credited to my account. I then asked, "Does that mean I owe money?" He said, "No, I need to have someone from the credit department call you and explain this to you." I then asked, "What did the car sell for?" Again, he said, "I need to have someone from the credit department call you." I was so upset, confused, and angry that I hung up on him.

Everything went through just fine up until a few days ago - I get pulled over!!!! Officer tells me my tags aren't on file. I immediately go to the Dmv with my registration and the lien release form. The Dmv tells me the title is no longer in my name as of March 4, 2015..... WTH! They told me I would have to call Chase to get the title before I could do anything. Called Chase today to get absolutely nowhere with these people!!! Ughhhh! They took me completely off the vehicle even after paying the vehicle off!!!

It's been almost a month since the car has been in my possession and Chase failed to tell me my tags wouldn't be good!!! But they're quick to take your money and harass you all day for payment! They let me drive around illegal for a whole month. Now I have to wait for a freaking title that could take up to 30 day! Not happy!!! BAD BUSINESS!

Mind you it usually takes them 13 days to pull funds out. He was rude and condescending. I asked to speak to a supervisor about it. He was twice as rude and said that it's not their fault and I should learn to pay my bills on time. I couldn't believe how blatantly disrespectful he was. I told him I did make the payment and if there could have been a glitch in their automated system or maybe even a user error. That's still not enough reason to damage my credit and be treated this way after having a perfect track record. They know nothing or empathy for customers.

However, I ran into some financial difficulties when on disability due to a serious accident at work. I would pay when I could, but occasionally would be one or two months late. I would receive incessant phone calls from Chase. The calls would include such absurd "suggestions"such as borrowing money from neighbors, borrowing funds from relatives, having a yard sale, donating blood or plasma, and liquidating savings or 401K. Finally, when they would call, I would stave them off of the pass, telling them, "Look I cannot hold a yard sale"...all of things they "suggested".

Fortunately, I have been blessed by matters I cannot legally discussed, to be able to pay off my auto. I was disappointed that Chase works by the "law of 78s", where the interest is applied first, then the principal. This would work against many people should they attempt to trade their car in way before the note was satisfied. I plan to keep my amazing auto for many, many years. But, be forewarned to check the financing terms in detail. Double check everything and don't let dealers or financial institutions take advantage of you. Be informed and let the firms know it from the outset!

Our loan is now paid off and we are awaiting the title. However, when we questioned the “loan specialists” as to why we never received a phone call, or a paper statement, or an email they stated there were multiple attempts at trying to contact us via the phone but no one answered and they, by law, aren't allowed to leave a message. They had no excuse when asked why they didn't send a statement to notify us. Therefore, they stated because they never received payoff they rolled the lease over and we needed to pay the 2 months (July & August) that were delinquent. Again, we never received any paper statement after the final payment in June. When we finally paid off the vehicle, we had to include the additional 2 months payments in the total stating that it was our responsibility to have the car paid off. When my husband spoke to them 2 days ago, the logged showed that my husband was the one that was in constant communication with them to get this resolved.

And then they had the nerve to say that interest was being added for all late payments, I answered with "well what kind of interest should I charge you for the last 2 years of you all losing my money order." I know you all will not look for it and correct all the interest you have been screwing for the last 2 years. The lady did not have anything to say. She wanted the money order number which I told them then I did not have, my fault for not keeping it but I had them sign for my letter. So I knew they had picked it up and what time they had picked it up. I also told the lady that I am totally surprised that during your AUDIT that you guys did not find your screw up. But what else was new.

I told them today I was thankful that they called me to remind me to file a complaint with the BBB and I would never purchases anything with Chase auto again and that I would be telling friends and family how awful they are. I also said that I was not going to fax any more information to them because in 2012 I faxed all the information about all 3 money orders about 5 times and that they still could not get their ** together and that I was done trying to talk to them. And once again thanked them for reminding me to contact the BBB.

So after 6 months of payments I was not able to make any more payments. Anyway after that all they had was distressed - they were calling me 20 to 30 times a day, harassing me, harassing family members and leaving me rude messages. I was always making my payments on time for the past two years. There is too much for me to say and in the end they had repossessed my car and ruin my credit. I asked them if they can put the car Loan towards my settlement anyway - did not give me any type of help whatsoever & I believed that they would help me when the time would come. But I was wrong. If you needed any more information you can contact me at **. There is too much for me to say and maybe just made my life more miserable.

We had to go to the Post Office and request prove of address change and U.S. Postal Service letter did confirmed that we only live in Morris County, New Jersey. Even though we did all the research taking time out of our personal time, Chase is not taking the necessary step to explain how this error happens! How someone had access to our account and change the address!!!?? My credit report has been compromised since I allegedly was behind payments. This company has showed to be careless with our information and irresponsible when making calls to the customer requesting payments. Chase harassed us with calls for NO reason. This error should be handled internally within Chase.

The bottom line, I think that the employees are underpaid, under-trained, under-qualified and under-staffed. When you call with a problem, all they do is transfer you. It seem as if they are being monitored for how long a call lasts. In my opinion, they are criminally negligent. My probate account has been tied up for seven months, because they will not resolve this issue. I guess they are too big to fail????

4/15/14 - Called numerous times since my first visit but never received any useful information on title. Went into local branch. First time I spoke with anyone who was helpful. She was still unable to give me any time frame but did show me a copy of the title that she had faxed from headquarter. It was from my lease. It had never been transferred from lease to buy. I was told that it was held up because I had a co-signer on title and now the loan was only in my name but they had not received proper paperwork. I showed her my copy of paperwork from dealership with only my name on it and co-sign N/A. All of these changes had been made back on August 1, 2013. 8+ months ago. I left the branch with the information above and that I would receive a call later in the week.

4/17/14 - Today I received that call from a CHASE rep. (This is the first time someone has reached out to me.) I was told the hold up is at the DMV. (Note - I moved out of state a couple years ago. Took this vehicle and registered in FL. When I purchased on August 1, 2013 it was registered back to CA.) The CHASE rep. said there is a hold up between DMV's. From what I understand CA will not release title until FL releases something. She could not give me a time frame in which the title will be released from DMV, but will call me back next week with more information.

If thinking of using CHASE Auto Finance now or in the future, I would highly recommend that you do not. I do not trust this company. What they are doing here should be illegal. I am in fear of losing my buyer, and losing value on my vehicle in the amount of time this is taking. All while still being forced to make payments. My payoff balance is also rising about $2.50 per day. Not happy with this company one bit. They have me trapped; there is nothing I am able to do. I have made all payments on time now for almost 5 years now.

We then had to request a duplicate title from the California DMV - through Chase Auto Finance. We did this on August 27. I faxed the request as per the instructions from Chase. I checked on the status twice. The last time was last week. I was told that it was mailed on November 1. Once again, no tracking information. Once again we have not received the car title. I have been unable to speak with anyone at Chase Auto that can tell me why we have no Car Title. Each rep says the same thing, which is to say that it was sent to our address.

Here is what I found out today from the California DMV. They received the duplicate request from Chase Auto finance On September 20. They mailed the Title to Chase on October 1. Chase had this title for about 4 weeks prior to, supposedly, mailing it to me. But once again, we did not receive the Title in the mail, and Chase cannot track it!!! Is that ridiculous or what? So they took 3 weeks to request the duplicate, and then 4 weeks before the date they "supposedly mailed it to me"!!! This incompetence is astounding to my husband and me. It has been a huge waster of our time, since Chase continues to tell us the same bunch of bull over and over.

She was even more incompetent. After providing her all the information, she stated what I was telling her was incorrect and I would have to send them a letter requesting my payoff information. Today is October 16th, payment due October 21st. I told her she needed to transfer me to someone else, as I was not going to be charged late fees because of her incompetence in being able to confirm I am who I say I am. She asked the dealership I bought the car at (not sure what difference this would make) but also said that information was incorrect. After confirming the year, make and model, she finally transferred me to someone else, who quoted me a payoff twice what I was expecting.

This 3rd rep had NO customer service skills at all and promptly transferred me to a 4th rep to explain why the balance was so high. After finally working out what my final 2 payments would be, I told the 4th rep I talked to that I never wanted to call them back because of the experience I had with the first two reps telling me my address was incorrect, etc and she was not the least bit concerned. I will never accept an auto loan with Chase Auto Finance.

Then in October 2012, we paid 3-4 months at once, thinking it would take us through until the first of the year so that we didn't have to worry about the payment during the Holidays. In February, they send a Repo man to our house. We explained everything to him and he left. We then called Chase that night and found out that they hadn't posted 2 or 3 of our payments. They then told us that they had it corrected, but we still owed $1,000 for being one month behind on a $350 a month payment. We made our March payment. In April and May, we paid $450 each month to try to take care of the one month that we missed. We missed that month because of our error.

Here were are at the end of May and they called yesterday and said to my wife's mom, "We'll break the door down to get the Jeep and if they don't turn it over, you'll be arrested." My wife went to the local Police Department and they called the person that said this. The lady didn't believe the officer that he was an officer even after giving his badge number, phone number, and name. My 14-year old son comes home from school and there is a guy standing down the street from our house. My son went into the house and got a couple of things to go to a friend’s house. When he left the house, the guy followed him and started asking him questions. He even said "He was Chase Bank..." This guy also had told one of our neighbor's sisters the same thing.

The guy followed my son until my son was able to lose him. He called my wife and she called the police. The guy was escorted away from our house and back to his vehicle. He told my son he needed a ride home. That night we went to a car dealership to see about getting into something else, which this dealer is getting us away from Chase. They pulled our credit report and it said that the loan was "charged off" in April of 2013, yet they accepted our payment in April and May 2013 and that we had only made 1 payment. My advice to everybody is to STAY AWAY FROM CHASE BANK!!! I will be delivering the Jeep to a yet unnamed location this weekend as I am picking up a different vehicle on Friday night.

Where I do find fault with Chase is in the way they do business. But I guess this is the way corporations do business these days. As long as companies like Chase can distance themselves from the individual customer, they can be uncaring and cold in their practices. I am not asking for special treatment, don't get me wrong. I have a responsibility and I want to own up to it, but look at me as an individual. Look at my past performance. Understand that I may have a problem and run into a hiccup in my finances. Oh, when the customer service rep is on the phone with you, you are made to feel like you are so very important and they have a strong desire to help you. What one does not realize in that moment, that the main goal is to sugar coat the fact that while they are helping you, they are only thinking to get through this phone call and on to the next deadbeat who does not pay their bills on time. In helping, they suggest various sorts of ways, down to borrowing money from your neighbor. The ultimate "let us help you" I got last year was to defer two months' payments. This way we avoid annoying phone calls and you can get caught up and start fresh in two months. Great, thank you - for nothing.

January rolled around and the process of trying to purchase a home began. It was yet another assembly of flaming hoops to jump through, but that is another story. Chase had reported not the two actual (which I am not proud of) months past 30 days, but rather four consecutive months. I was told that Chase only showed two when I called three times in one week. When I called the fourth time, the following week, I finally reached someone who walked through the payment history with me, after being told by the three previous employees they can't see the history, only that two payments had been late. Hmm, are they lazy or just untrained?

As we walked through the history, yes, two payments, May and July were late. And yes, there is reason, which I explained each and every time to every person I talked to at Chase in those months which I was desperately trying to keep our finances afloat, not that they bother to make note of that. It's better to have the customer repeat over and over the struggle. I digress. Ms. ** explained to me that she will personally take care of this error in reporting to the credit bureaus (which I might add were not all reporting the same information) and request that it be corrected and that I would also receive a letter that I could give to the lender for the mortgage.

I waited patiently for two weeks to get said letter. When I got it, it was a form letter that indicated after researching the account, what was reported was indeed accurate and therefore no changes would be made in to the credit bureaus. Nicely played Chase, nicely played. Upon speaking with an overly cheery Rosie Something-or-Other, who made me feel like the Steve Martin character from Planes, Trains and Automobiles, you know the scene, and being on hold for over 5 minutes, she came back to unnecessarily go over the history with me three more times, then told me she needed to research this info and I could either hold a few more minutes or she could call me back.

I told her I would call Ms. **, which I did, who also put me on hold for about 9 minutes only to return and offer the same deal Rosie had. At that point, I informed her that no, I needed to pick up a kid from school then my husband from work. Why? It is because two weeks ago, we were in a four-car collision resulting in his car being totaled and we are now down to one car and yes, I interjected with how badly I wished it had been the Malibu call me back which she did, leaving a message with the term rolling delinquencies, meaning we are basically screwed, because Chase has determined that while May was late, it is not reported as such. June was late but not past 30 days, but because May was past 30 days, June had (yes, had) to be reported as delinquent. Because July and August were paid in a double payment, August not being 30 days late, they both had to be reported as delinquent. September, which was deferred (and they try to tell me every time that only October was deferred until I insist they check the record and only then do they see that it was September and October both) for some asinine reason, is also reported delinquent. No payment was due, but it is accurately reported delinquent.

Ms. ** did seem genuinely sorry that she had misinformed me about correcting the error two weeks ago, but there was nothing she could do for me further. She told me it does not make sense to her either and that it took quite a bit of explaining for her to understand what rolling delinquencies meant, which she was unable to restate other than to repeat how it was reported, not why it was reported this way. Somehow, that all seems fair and accurate to Chase and I'm guessing to the credit bureaus as well.

So, thank you, Chase, for your cold and uncaring attitude toward your customers. I know I am not alone, as I publicly announce my intense loathing of your company; I am comforted in a rather twisted way to know others are treated as poorly as I have been. I am one person, but I will use my voice. Anywhere and everywhere I can get the word out as to your horrible business nature, I will.

Needless to say, I was very concerned so I called Chase. They confirmed that the Social Security number was not mine on the account. In fact, it wasn't even close. After I informed them of the issue, they assured me that they would resolve it and notify via mail when everything was correct. About a month goes by and I get a call from Chase collections department demanding that I pay. I attempted to explain my issue and they have no record of my previous call. They continued to demand that I pay, even though the contract was incorrect. I refused stating that until they correct my contract to reflect that I actually owned the car. There was no way they would get any money from me. They transferred me to a supervisor, and he and I went over the account. He had me fax in a copy of my driver's license, Social Security card, military ID and passport and assured me again that everything would be resolved.

About two weeks later, I get a message from Chase saying that they needed me to go to my dealership and have them resend the loan contract, which they claimed they have never received. I called Chase, and it turned out that they also have lost all the documentation I had faxed them earlier. So I'm back to square one. All the while, they are encouraging me to make payments and accessing late fees. I was relocated after three weeks of my car purchase in South Carolina to upstate New York, so I was definitely unable to physically go to my dealership. I called my dealership and they confirmed that they had the correct Social Security number on their contract. I decided to put together a conference call between my dealership and the Chase representative who was assisting me. I got them both on the line and the dealer faxed them a copy of the contract, about which the representative then assured me would be enough to resolve the issue.

I waited about two weeks and then called back the representative, but she no longer answered the direct line she gave me. I figured that everything should be on track and I waited for the mail confirmation to come in stating my issue has been resolved. Fast forward to today where I get a severely overdo collections letter from Chase stating that they will soon have to resort to drastic action. This is after all the representatives I spoke with assured me that no payments would be required as the account was in review (although they all still encouraged me to pay anyways). I called the Chase collections department and they are clueless. They said that since I changed my Social Security number (I didn't), I have to go to the Social Security office and have them send confirmation of the change. They stated the only other option is voluntary repossession of the vehicle, which is ludicrous.

I am an active duty member of the United States Navy. I currently work a 7 day, 12 hour a day, rotating shift work. I do not have time to jump through any more hoops for Chase Bank. What upsets me the most is that they act like the entire situation is my fault, when clearly it is with their system. There have been no apologies, no attempt to improve the situation and defiantly no communication. If I could transfer the loan away from Chase, I would; but since the Social is wrong, I can't. I'm trapped and I want out.

Every representative I spoke to at Chase had different information and everyone just tried to rush me off the phone (did not want to resolve because they had no answers). Now, it is 8 days later. No payment has been withdrawn from my bank acct. again. I called Chase again and they are once again telling me I have to wait. I spoke to the Payment dept. and told them I will not pay an additional fee again for their incompetency. The rep basically told me, sorry, I have to wait. They have no answers, cannot help you, don't care what happens. So at this point, I told them I will wait a few more days for payment to post and if the same problem happens and they have the audacity to charge me again, I will contact my lawyer, consumer affairs, and any other authority that I have to until I get the results that is so desperately needed by unfortunate customers who have to deal with Chase.

They call me from collections and tell me I owe a certain amount so I go to the Chase branch which is an hour away and pay more than the amount. Two days later, they call back and say I still owe them money even though I always pay more. I need not have to say anymore but I'm going to let you know, Chase Auto Finance is very crooked and they will continuously take your money and lie to you. I am a hardworking man and they are after people like me and you.

So since I have the means even though she does not, I told them I was tired of their BS and lies and since my life mate has been critical in the hospital all month and I didn't really have time to play their games right now I would pay off the account the first week of August when I had time to get down to their office. I was told, "thank you" and a note would be made to that effect. Slip ahead 7 days to August 1st. I woke up in the morning and the car was missing. I called Chase and was told they could not reach me by phone, although not a single message was on my machine and my cell phone had not rung a single time which they have reached me on repeatedly, but moments later in the conversation they referred to our conversation on the 24th just 7 days prior. So then, I was told that their agent did not have the right to accept that agreement and due to wife being critical in hospital to wait until the first week of August for the account to be paid in full (not just a payment or partial payment).

I have run a business most of my life, and it doesn't matter if I like it or not, if one of my employees makes a deal with a customer I stand by it. I may fire the employee, if it is a serious enough violation of company policy, but I never take out my employees' mistakes on my customers. The payoff balance on 7/24/10 was $4,218.81. When I called on 8/1/10 when my car was repossessed for not being home to entertain their telephone chatters, it had risen to $6,271.24. I get better interest than that from loan sharks in the hood, so heed my warning, people - crawl on your hands and knees if need be but stay away from Chase. They think we are all as stupid as a week-old calf and they can add any charges they want by "misplacing" our money, and charging us for letting them do it. Worst of it all is they are loaning us our own money from prior poor business practices. Hopefully next time we do the world a favor and let them go under and keep our money in our pockets where it belongs.

After adding up all the figures on my contract, I have paid $12,679.85 in principal and $11,944.41 in interest, which totals a whopping $24,624.26 paid to date, not including an additional $3,000 owed. I contacted Consumer Affairs disputing the charges, also disputing the number of extensions they say I had. Consumer Affairs sent them my complaint and sent me back their response without telling me what my next step is, or my options. I reviewed my payment history again and discovered that two of the months where I allegedly got an extension, they received an actual payment from me, which means I only got one extension. I also have fees for late payments, collection fees, and paying by phone fees where the customer service rep clearly states they would be waived and/or your payment would go from $388.91 plus the cost to pay by phone, which would make the grand total more than the actual amount of the note. Plus I was told that if you get an extension in 2008 you accrue interest from 2008 daily until 2012, is this legal or what?

I and my sister are in the process of attempting to start a lawsuit against Chase. My sister financed her vehicle for 72 months. She got 4 extensions and paid her vehicle off 12 months early and sent Chase $4,332.56 and they sent her back $20.00. I thought the benefit of paying the car off early was to save money and have a lesser payoff amount. Not with Chase, some months I paid my note and absolutely no money went towards my principal for 6 whole payments. Let’s get together and sue these **. So far, I make the 331st person with a complaint against Chase and all our complaints are very similar. And let’s not leave out those months where I paid my car note early and they didn't give me credit for those payments towards the principal nor interest, and those months I paid two car notes at a time.

So, I pulled together the $1600 and "MoneyGram"-ed it to them (this was in May). I called the end of June per our agreement to make the next two payments, only to be told by Scott that my account had been sent to another department and he gave me the number. I called it and Julie told me that Scott had no way of knowing what I needed to bring the account current (they don't all have the same computer system?) and that what I sent wasn't enough to keep the account from charging off. They charged it off the day after I sent in the $1600 payment. I then told her I would need 24 hrs to decide if I could take out a loan or turn the car in. She agreed and they repossessed it that night. They lie through their teeth! I've filed an action with the BBB.

In March, they did not call me and I was quite ill and in the hospital, but they told me January 3. They had all my bank information to access my account and I assumed they had done that. On March 26, 2012, at 1:45 a.m., they illegally had their agent drive a vehicle onto real property belonging to and lawfully occupied by another, and known to not be open to the general public, without the consent of the owner, the owner's agent, or the person in lawful possession (me). There is no trespassing sign posted. California Penal Code 602 (n). In other words, they committed a crime to repossess the car from me. I have a video of this action. I have called Chase Auto Finance, but they refuse to work with me.

In the meantime, I'm getting multiple calls a day from a "loan manager". I attempted to call and speak to a real person only to wait on hold until the call is either disconnected during transfer or I have waited on hold so long my break at work was over and I have to hang up. So I called that same day to inform them I mailed the payment. The woman I spoke with barely spoke English. She made a note in the account that I called to inform that a payment has been mailed. So fast forward to the following Monday. A repo tow truck showed up at my house! I ran outside in a panic, my husband and I are both home sick as dogs and dealing with this, money order receipt in-hand as proof that the payment was made. He said to me that I need to call the "loan manager" again.

I didn't get the original lady. I got Michelle who said she is the manager of the department. She was rude, belligerent, talks over me, yells at me, snaps at my husband on the phone,and said, "a receipt is no good to me!". I put the tow truck guy on the phone, he's familiar with Michelle and her attitude. He said, "she has the receipt, she's current. There's no reason to do this today". She yelled to him, "take the car!" and hung up on him. So he followed the orders, allowed us to remove all our personal belongings from the car and took it away. The tow truck driver was the only one who apologized, he was the only one who seemed to be on our side in this! I was floored at the incredibly poor treatment. The very next day, I called to see if the payment has posted. Lo and behold, the payment posted hours after the car was towed on the same day. I'm not late! I am now current!

I called Chase about 3 times that day to try and get through to a supervisor. Before I could get a word in edgewise, I got kicked to their Redemption Department and I was basically forced to go through a line of questioning. Again, with a phone rep with a language barrier, so I can barely understand her questions and she can barely understand my answers! She put me on hold, reviewed my account and said to me, "we need the full amount of the car payment". Over $10,000! My payments are current! I called again this morning and spoke with yet another person in the Redemption Department named Steve. He told me, the only way that can be reversed is if I contact the loan manager (again) and basically beg her supervisor to contact the Redemption Dept supervisor and change the redemption payment decision.

So I called today, explained the full situation to the loan manager. She is indeed very nice, very understanding and asked me even more questions about why the payment was late and what happened with my account. I gave her every detail since the beginning of the loan, from the very date of purchase and bring her fully up to date. She can see that the most recent payment was posted on the same day the car was towed. So she can't promise anything, but will bring it to her supervisor. Who is Michelle, the rude, arrogant, iron-fisted mudslinger who gave the OK to drag my vehicle away before my eyes despite my efforts, my financial hardship and my attempts to contact them and rectify the situation? You just can't win with these people. I live more than 20 miles away from where I work. There are no buses. I live in a rural area. I can't rely on someone to go out of their way to carpool with me. If I don't have transportation, I'll lose my job and in this economy, the chances of finding another one closer to home with the same pay grade is nil.

Chase Auto Finance stole my car and is holding it for ransom. I contacted my congressman.

While in the hospital, I was waiting for a large commission check to arrive, now it has. Please let me get my car back. I love my jeep, I like Chase, and this won't happen again. It was not disclosed I would not get my car back, and I assumed I just need to pay the back payments of $1,100 and additional processing fee. When I was told today I can't get my car back, that means I've lost $7,500, too. I'm in shock! Please, there must be a second chance program. This is pretty harsh. Please help me.

Now, imagine extensions and a bunch of late payments. Yep, you pretty much screwed yourself. Not to mention they are required by the OCC to read you a disclosure advising you of all this before you even accept the extension and they send you a copy of it in the mail. So in the future, read and do your research. Look up what a simple interest loan is and don't accept high interest rates. People have this idea that banks and entities are out to get them and in some cases that might be right but you have to protect yourself.

Nevertheless, I made a payment. Then out of the blue today, my car got taken away. I called Chase and the representative, Gloria, informed me of all my payments, again some the actual monthly payment and some not, but every month they had some money. She informed me that Chase does not accept partial payments. I asked her why wasn't my money returned back to me. She didn't have anything to say. Every month Chase had a payment. This is going to cost me a lot of money now. That thanks to my family I will be able to get my car back. In reading the other horror stories I think we should bring up a class action lawsuit against this company.

Hey, we bailed them out by our hard earned tax money and this is how they treat us. In fact, we should close their business. I hate Chase, never again will this happen to me.

I finally spoke with one of their reps. She told me I was up-to-date. I said great. I wished I had her from the beginning. Then yes, they called again. So I told them what the other rep said. The response was "Well, I can't help what someone else told you." I finally got another car loan and paid this Santander off. Now I could kick my self, because I paid late charges and everything totaling $7000 on a 2004 Mercury Monterey. And I so wanted to trade this car, but owing this much, I can't. This company is just horrible. Is there any way you can help me? Thank you.

I called a manager at the Chase Auto customer service branch and explained that the loan rep told me I would be 100 percent eligible for a refinance so long as I paid on time. The manager pretty much said, "Oh well". Now I am stuck with a 28 percent interest loan, as a result of fraudulent information given to me by JPMorgan Chase. If you lie to Chase or any other bank on an application for credit, they can prosecute you for fraud. If they lie to you, they apparently suffer zero consequences. Let this be a warning: Never trust a word that any representative of JPMorgan Chase tells you regarding credit. They could care less about you, your credit, or the harm their fictitious information may cause.

In Oct 2011, the Chase rep told me that my loan was maturing that month but I still had 4 payments left, so I asked him what that meant and he said "nothing, I just need to inform you that your loan matures." Okay, so I continued for the next few months to make my payments, even doubling them. I had 2 payments left and called to pay my car off 3 months after Oct in January, and the Chase rep told me my account was in a different dept. I said, "Oh why, I have been making my payments every month for 3 years with you?” And he said, “Your car was charged off.” What?! How on earth can my car charged off when I only had 2 payment left, and have been paying it every month, and also disputed the $850 in late fees.

Fast forward, the $950 principal that was due, I went into the branch and paid (still disputing the $850 in late fees). That bank was able to finally get me a faxed copy of my itemized list - and low and behold, for the course of my entire loan, I was charged late fees every month, ranging from $49, $59 and $84 dollars each month! I hit the roof. Even a few times over the course of the loan when I had extensions, the bank still charged me "excessive late fees each month". I never saw this because my statements just would show the principal, interest and what I owed each month (not a break out of what was being charged). Since that, I called recovery dept. and they also said they have never seen this and a car charged off that have been being paid on each month, with only 2 payments left. Furthermore, that rep gave me the person who made the decision to charge my vehicle off "Frank C." and he won't return my call.

I want to take action against Chase and the fraudulent "excessive late fee charges" that they charged me month after month, which by the way were already deducted each month throughout my loan payments, totaling over $2,000 plus dollars. The end $850 late fee charge is an additional charge on the "statement" above and beyond what was already deducted monthly.

On top of it, the last $950 payment I made and I asked the teller, now what does my car balance show? She said $0 balance. After she printed the itemized statement, (two more late fees showed up for $75 each).

This must stop, where companies are taking advantage of people who are financially hindered, but still adhering to paying each month their bills and they are being hit with late fees in excessive of what is legal each month without even knowing!

I explain our situation, fighting through the attitude that I'm given, and I was told that they don't know if our intentions are to keep the vehicle because we are behind. Any partially educated human can figure out that when someone falls behind but continues to make monthly payments, they intend to keep the vehicle. So when you get a call from 414-977-8460, answer it and talk to Michelle or Gerry, her alleged supervisor, and try to explain your situation.

Dealing with their unprofessional attitude and harassment is the only way to avoid them ordering a repossession for having a rolling 30 day lateness on your account. Don't try to explain anything or hope that they use logic or understanding because it will not help. I know Chase is a big bad bank that doesn't care about people. But something should be done about the way this call center treats people.

I was told that John is Gerry's supervisor, but he's out of town. I'll be calling back to talk with either her supervisor or the person sitting on the other side of her until I get someone who can at least apologize for the attitudes and unprofessional nature of the other people. Or maybe when I finish my degree I'll get a job at Chase and find my way to manage that office so I can fire these people. No, I have a better life planned than to manage a call center, but it would be fun!

I ended up going into a local branch and found a very helpful girl who gave me a number to call the next day when my truck was set to be repossessed. I called the number at 8 am, spoke with a girl, and told her the complete situation. I received a call an hour later from the manager of the auto finance department saying any agreements that I had made with the other Chase representative were null and void. I am pretty sure that is illegal however you look at it. After much arguing with the manager, she decided to go with that agreement but would offer no apologies for the rude treatment and continued to protect her employees’ actions. I called the branch manager of the location I had walked into the day prior whom told me that this type of treatment is repulsive and she was embarrassed for her company. It would almost be worth it on my credit score to turn over the truck just to not have to deal with Chase anymore.

A few months ago, I set up a double payment for our account to make sure the account would be up to date. Usually, I just set up one payment at a time. But this time, I set up two payments to get our current and I printed a copy of agreement with a confirmation code. The day they took and posted the payment, they sent a tow truck out and repossessed the car. Even though I had a receipt showing the payment was scheduled and paid, my car was taken with my son's baseball equipment, asthma medicine and my back pads. After 20 minutes of begging to the people who took the car, I was allowed to pay $35 and clean out our car. I got the address and even though they told me they were closed, I hurried to the gated lot where my car was being held and got the gentleman who towed the car to help me load everything in my other vehicle. The next day, I began the long and tedious journey to retrieve the car attached to a current account.

It took me two weeks to get the car back after countless phone calls. Fortunately, I had proof of my scheduled payment. The customer service reps at Chase advised me they are unable to see scheduled payments on their own website. So therefore, even though I went on their website, set up the payments a full three weeks before, they had continued to call my house three to four times a day using multiple numbers and finally repossessed the car. Once it was verified they had repossessed a car on a current account, they finally agreed to return the car. It took multiple phone calls where I was told I had to wait for a committee to meet and review my situation to achieve the return of my vehicle two weeks later.

I told them I had paid to get my belongings back that were inside the car when it was picked up. They called the same guy who repossessed my car and told him to bring the car back to my house and return the $35 cash he took for my property. Later, within a couple of weeks I received a letter stating that my car had not been repossessed. However, two months later I was charged a repossession fee. To date, I have not received that back.

So today, Nov. 30, I call Chase to see what is going on and if they sold my truck. The lady said that they still have it and it still at the storage place. This is a rip-off. When yours get done, I end up owing a pile of money. This is what's wrong with this country. The working man gets ** again. I still cannot understand why you could not give me my truck back and make payments when you needed a bail out that was my tax money?

On that Friday check in hand, I fall and tear my knee muscles and tendons and well it was bad. I never made it to the bank to make my payment. So after 5 days in the hospital and off work, I call them and explain what happened, again chase agrees for me to bring in the money for my payment just as soon as I can either get someone to take in for me or I can do it myself.

Oct 30th 2011, I get a call from the broker who got me the car. He tells me that the car dealership is going to my work and to my house to find the car because they want it back? Why, I asked? The broker tells me its because I was late on my first payment. I told the broker I had literally gotten off the phone with chase just before he called and they said nothing about this. The broker tells me he will call the dealership and double check to make certain that they have the right car.

Mean while my parents come over and I ask my DAD to run to the bank and make my car payment when he gets there they tell him I am 3 months pass due My Dad not thinking anything of it because I have now been off work for my knee pays what Chase says I owe just to help "Me Out" not knowing that Chase are big fat liars.

I now have to buy my car all over again. New down payment, new payments, new loan agency (thank God for small miracles it will not be Chase ever again).

In Nov., I paid $50 by the due date and let Chase know that I would be able to pay $400 (well over my due amount) on Nov.15th. They accepted my $50 on the 4th but on Nov. 6th they came in the middle of the night on a Sunday and took my car with loud voices and bright lights, etc! I was only $100 behind from October and I called and made arrangements! I am a single mom with four kids. I don't expect handouts. I am educated and have worked hard all of my life. What is wrong with this company?

I have duplicate checks dated for July, August, September, etc. I spoke with my new account rep at Chase. She provided me with a totally different amount than the repo man, and Chase rep named Kayla. In addition, I have copies of a discrepancy with Chase Auto's monthly statements. I sent in a payment however, I received a monthly statement for the same payoff amount. Somehow my payment wasn't even acknowledged in their (Chase) system. It would be very beneficial for consumers if a class action lawsuit could be bought against them because their practices are unethical!

I am beyond furious with Chase and am ready to take legal action against them for ruining my credit. I am tired of telling them my story, just to get transferred to another department and then have to repeat the entire story over and over again. How does a company operate like this!

On my tax bill, the car is valued at $3,745.00. Now they tell me they will sell the car and if they don’t get the amount that is owed, I will still be responsible for the rest of the loan. Now I have no job. I have no way to get there if I did. And I am losing my mind over this mess. Chase Auto is the devil! They could care less about me or any other customers. How can I ever get a company to refinance my car with no job? I hope one day the government will shut this company down. I know how people can get so depressed and kill themselves or go postal when dealing with these awful people. Please God, I pray you make them pay!

Yesterday, they showed up out of nowhere and repossessed my car. I called Chase bank, thinking this was some kind of a mistake. I never received any letter, notice or anything from them regarding my account status. When I called, they told me that they've been calling me, but they have a wrong number for me. I had my number changed several months ago, but the number they said they had in their system was a three-year old number! Makes no sense. They have called me several times in the last three years!

Anyway, speaking to the girl on the phone (I didn't get her name), she said I could make the payment and they would not take the car, after taking all my information, card number, etc. She told me her manager said she couldn't process the payment and I would have to call another number to make the payment. In the meantime, they took my car at 3:00 in the afternoon, right before I had to pick my kids up from school.

I have a daughter in a wheelchair right now, after having surgery on both legs. I was unable to pick my kids up from school. I was told I could just call and pay, then go pick the car up. I called and they informed me that since I was no longer employed, they would not be able to re-instate my loan. I have not been employed since three months after buying the car. I stay home with my kids, and have for several years. I have informed Chase bank of this right when I started staying at home, and it's not ever been an issue until now. They said all I can do now is payoff the loan in full.

My head is spinning that they can just decide to take away the loan they gave me because I no longer have an income, and they refuse to use my husband's income! She suggested we cash in my husband's 401k and pay off the loan! Given the fact that this is all so shocking to me and I'm unable to think straight right now, we've decided to just pay off the loan and be done with them.

I called today to find out the payoff, and they told me I have to wait 24 hours to even get a payoff quote! How can they get away with treating people this way! I'm willing to hand them money, and they'd rather make me suffer! My daughter could not go to school today because she can't get her wheelchair on the schoolbus, and I have no other way to get her to school! And now they're stringing me along saying they can't tell me how much I owe them!

What am I supposed to do now? Not to mention, I had already mailed them a check, so I had to call my bank and pay $20 to stop payment on the check that they say they haven't gotten yet! This has been a complete nightmare! Don't they have to give you some kind of notice about things like this?

I tried and tried to get through to a supervisor but was given the runaround. Every time I called and asked to speak to a manager, they took my name and number and said someone would call me back, but no one ever did. I left message after message, but got nowhere. Sometimes, I would be left on hold for over thirty minutes, then the call dropped off. Sometimes I would be given to department after department. But I was always told they couldn't help me and would switch me to another department. I got nowhere so I finally just gave up. I cut up all my credit cards and now only pay with cash. I solved that problem. I won't ever do business with Chase again.

Secondly, if your payment is not received literally by the 1st day of your payment, they will call and harass you all day long. Thirdly, I have sent the payment in numerous times and they have actually waited to post it on my report after the 30 day mark, so this means they take up to 2 weeks to get the payment in the mail and post it. Remember this; send the payments certified! You will need this in case they do false reporting to your credit report.

Finally, they have rude and terrible customer service! Do not and I repeat, do not take an auto loan out with these people. You will be signing up for years of terrible service, fees, and more problems. I had to come on here and report these people. I have many other creditors that do not handle business this way. So please take heed!

They did mail us the lien release, but I thought they were still working on it! My husband started looking online to see if we could request it . He felt that we better not waste any more time since this young man will be deployed to Korea in October. We decided to take time off work, go the Arizona DMV and make the request in person. The man at the counter told us right away that this needed a lien release or letter from GM. Oh my gosh! What more? We explained everything and showed him our paid off statement, the lien release from chase and he said that it didn't matter. He also said GM had sold out and that they were now allied.

My son, who is in Arlington, Texas, called GM and they told him that they were no longer GM and they had no record of anything. We decided to drive to the dealership -- Midway Chevrolet in Phoenix, AZ. We asked to see the finance manager and he told us the same -- that we had to go to DMV and we went through the whole story again. He said that they were not responsible, but finally gave in and told us he would give his title clerk the information and that she would be calling in 2 days. She called on 9/1/2011 and told us she had no record of it yet, but that someone had dropped the ball. She told my husband she would be calling us on Sept. 9th. I still don't understand why we have to be doing all the leg work when it should have been Chase's.

My husband and I got behind on payments due to moving (we are military) and they knew we would be late. They informed me that the day after the due date, when the account becomes past due. My payment per month is 386.71 and I got just shy of three months behind and they said we owe 1600 bucks.

How? I had made several partial payments to show we were trying and they knew once we got TMO money from moving, that we were going to pay them all of it. Well TMO shorted us 800 dollars. I called Chase to get my account information to send a money gram payment and John from Chase started ripping into me and I just set the phone down while he was yelling and doing his thing as I wrote down my account information.

Now granted I shouldn't have fallen so far behind but I'm a mom and my kids come first! Now after being harassed for about two weeks non stop, we have pawned all valuables and are going to do a money gram to Chase before the hurricane hits.

You'd think with the way the economy is, they would work with people rather than treat them like they're a loser. They actually ask you to borrow money or take out a payday loan, which is the humblest thing you can do financially. I have two kids, one car and am going back to school. I took enough loans to catch up back bills including this one but they don't care. They'll probably repo unless the good Lord intervenes.

Do not go through Chase auto finance and its horrible customer service.

I have been penalized with late fees because they expect me to pay online and I am not able to do so. When I call Chase, I get the run around from one department to another. Nobody seems to be able to "fix" my online access, yet they have no problem adding late fees or charging to make payments over the phone.

I spoke to them again today because they hit my credit report as being 60 days delinquent. They claim they haven't received the payoff from the dealership yet. The dealership (which is the one I believe) states the loan has been paid in full and Chase says they haven't seen a check.

As long as I live I will never do any biz with this place. they are the worse, you can't even go into a branch to discuss your loan because they are not permitted to pull your loan accoutn information. WHAT A JOKE???? I would rather use public transportation than to have a car finance by Chase Auto Finance.h

My credit score, of course, has been damaged. The emotional drama of fighting with these people is overwhelming. I wanted to purchase a new car but a repossession on my report as recent as March 2011 doesn't help!

We have been able to stay under the 30-day threshold but just barely. All we needed was a 30-day extension. It is not like we are asking for a write-off on the balance due. It is going to be very difficult to get anything caught up because now they are assessing us with late fees. I agree with everyone else. They call five or six times a day from the earliest possible moment to the absolute latest nano second allowed by law.

These are the worst people I have ever dealt with in my entire life. I am worried that with the continued pressure that Chase is putting on my husband by calling him repeatedly, they are going to cause him to have either another heart attack or stroke. If that happens, believe me, I will go to my dying breath making Chase pay for this. They will never, ever walk away from this one. That little payment is going to be very inconsequential to them if they stress my husband to the point that it kills him.

Called chase in the morning only to find there is nothing wrong with our bills and that they had been paid on time. It is their error and so they sent a fax to the local branch in my area so we can get our car back. Went to our local police station, paid $10, drove 40 minutes to towing company and got our car back. This happened early 2010. Yesterday night at 12 30, deja vu.

Repo comes, says he got an email from Chase, even though we paid the bills on time, takes our car, called Chase in the morning, nothing is wrong, waiting for a fax, and now we have to drive another 40 minutes to sign a slip of paper and get our car back. Like wtf. For those reading this, Chase is the worst service/bank you can get. They give horrible and terrible customer service. They do not care about what you have to say. It takes at least three if not more reps you have to call and transfer in order to get a simple problem solved.

All they want is the money you owe, if not, they just take your car. Chase shouldn't be allowed to operate their banking business and they should be closed down for good. For all of those reading this, do not use Chase. I repeat do not use Chase. It is not worth it and you will regret their services. For everyone's New Year's resolutions, it should be to close your accounts with Chase and to stop using their services because, even if you pay the bills, they take your car.

I got nowhere in reporting this incident to a manager and anything has gotten worse since speaking to a manager. The manager kept saying that they are trying to collect a debt. I know I owe this debt and have told them repeatedly will pay on the 15th of November. How can I stop this? At what point is it no longer trying to collect a less than 30-day-old debt but harassment? I believe that because I spoke to the manager is why things have gotten worse. I have submitted two complaints with the FTC because I'm sure that I am not the only one who is experiencing this torture.

She further went on to say that there was nothing I could do and cut me off stating that she just needed to know when I will be making the payment of the account. These Representatives are extremely rude and aggressive and Chase needs to train these individuals in how to deal with their clients. As soon as I am finished with this, I will be looking into refinancing the car through another financial institution even if I might have to pay a higher finance charge.

On the 1st of the following month, Chase came to my home and said they were going to repossess the vehicle because the payment was 35 days delinquent. I had the receipt of the money my husband paid and showed it to this man and he told me the balance is $30.00.

I was in complete shock! I couldn't believe that they were going to repossess my car for $30. I will never ever finance anything with Chase in the future and I advise you that think twice about it as well.

I have three children who have disabilities and they go to bed at 8 pm. They want all information why I am out of work and I told them that I have children and to stay home and take care of them. They asked why my husband only works part time. Have they looked at the way the jobs are now? They are telling me to get unemployment and assistance. What I have for money is none of their business as long as the car is being paid for. Being rude and yelling at me is not going to get your money any faster.

The current schedule is 1 child is with me full-time and 3 are half-time. Anyway, I went from living with friends to visiting my adult children over the summer of 2009. I came back in August for start of school year and was able to rent a room and got part-time work from home. In early 2009 I could no longer make car payments, after faithfully having done so since 2003. I offered Chase to go to $50 per month til I gained employment and I was rejected for any change to my monthly payment. So I was living off of $895 per month and they wanted me to make an almost $300 per month car payment. I had only 7 payments left, and so wanted to make good on it, but couldn't. I had other debts, due to the divorce, that were insurmountable. So, I decided to file bankruptcy last summer. I filled out the paperwork myself and my degree "Discharge of Debtor and Final Decree" was issued 5/10/2010. I had not made payments to Chase since early 2009, I believe. Out-of-the-blue, late yesterday afternoon, my car was repossessed.

The trustee in the bankruptcy case assured me that the car would be mine and that they had to cease and desist from asking me for money. So, I'm confused. I also just put a new tire on the car last week, and I'm paying a local company monthly for work they did on it earlier this summer. I was in shock, but the kids ran out to get their belongings out of the car. My landlady had seen the man starting to tow it. The kids were shaken, scrambling to get belongings & frightened by the experience. My 9-year-old sat on a chair, crying, for a couple of hours. My 12-year-old had a headache, went to bed early, and had to have Tylenol this morning before going to school. I am missing work, and others are having to take the kids to and from school for me - as I live in Morgan Hill and they attend school in Gilroy.

I am an upstanding citizen, working with local candidates for city office. I have no criminal background of any kind, and no vices. I am an outstanding mother of 4 fantastic minor children (and 6 adult ones). This was extremely embarrassing and the lack of a car threatens my ability to provide for the children. I do get $1350 per month in child support finally, and now spousal is $250 per month. I rent two rooms in a home. I occasionally have had to get food stamps, though try to not have to resort to that. I have no ability to pay an attorney. My current family law attorney works pro bono and will vouch that I am a woman of integrity. I need my car back!

It is a very bad business practice. My wife and I have been emotional wrecks and are waiting for them to contact us on some other thing.

I called the next day and was denied! What? When I asked, they said I was late on some past payments. I agreed but that's why I had a reputable co-signer with an 820 score. They said that doesn't matter. Why? They said they couldn't discuss it. They wouldn't loan to an 820? Then who will they loan to? When did the co-signer stop counting? What's going on? The news stations say that the banks are loaning appropriately, really? This is appropriate? Don't ask why consumers aren't consuming, here's your answer. The corporations are lying, straight forward lying.

Ron of Belknap Subaru discussed this at length with your customer service representative named "Pam" in mid August and was told I would receive a refund by August 24th. When that did not happen, I called customer service several times, speaking with "Lance" on 8/30/10 and "Charday" on 9/2/10. They said they were waiting for a return email from some other department. I then talked to a supervisor and was given yet another supervisor's phone #. The name given was Colleen at**. She has not returned my call. Ron of Belknap Subaru has also called several times on my behalf. I give permission for Chase to give him any information about the lease/purchase at any time, until this is settled.

I would like this matter settled immediately. This is the worst example of customer service I have ever experienced. I have been waiting two months for a refund that is due to me. I can get no coherent response from your customer service people. They are not informed, not helpful, and many of them cannot pronounce English that can be understood. For a large company like Chase to be giving a customer the runaround for two months should be unacceptable by any company's standards. I hope it is by yours. If I treated anyone this way in my line of work I would have no more work! Please attend to this matter immediately.

I feel that the policy to charge extra for payment by phone or on the Internet is unreasonable, and I refused to pay it. I am mailing them a check for the payment they lost, and the late charge, plus my next payment, but I will never finance anything else through Chase. In the past, I have noticed that it takes several days beyond the reasonable expected time, for Chase to post receipt of a Payment, and suspect that the payment just got lost while it was lying around waiting to be posted. They told me to stop payment on my original check, and send them another one. They charged me a $21.50 late charge, and the stop payment charge is $25.00.

Chase is just simply bad news! I am still getting charged these fees and Chase keeps refunding these charges every month so I complain about them. They even had the nerve to tell me that this was a late charge! When I wasn't even late! I had to keep calling Chase every month to get this $10.00 online charge canceled!

The first call I received from Chase was on 8/4/2010. I spoke to Roger, he told me to fax over all of the paperwork and he would look into it, and get back to me on the correct amount I owed. I faxed that to him on 8/5/2010, he never got back to me.

So then I received the second call from Chase. They had left a message on 8/10/2010. I returned the call when I got home that night and they informed me that I owed them this money immediately, so I asked why did I receive two bills, one was for $760.63 and the other was for $190.14. She told me that the amount I owed them was $950.77, I told her that I faxed all the documentation to Roger on 8/5/2010. She said, "Well, did you call him and tell him you faxed it?" I said, 'No, he was getting back to me. I spoke to him again right before I faxed it.' She told me to fax it to her attention the next morning, which I did fax all of the paperwork to her at 7:55am on 8/11/2010.

I called to confirm receipt and spoke to Michael. Par was not at her desk so I asked Michael to have her call me. He said he left a note on her desk. I hadn't heard back from her, so I called around 11:00 and got her on the phone. She said, "Oh, yes I just got your fax." So she is looking through the paperwork and said, "Well, you owe for 9 months." I said, 'No, I don't know the tax bill was from October '09 through September '10, so I told her that I spoke to the tax collector and they said I only owed until December 16, they had all the documentation and so did Chase now.

She fought with me that the only amount she will give me to pay is the 9 months, so I said, 'Okay, what is that amount?" She told me that I owed them $713.07, she then said, "Ok, let's take care of this right now." I told her, 'No, I am not making a payment right now, first I knew that was not the correct amount I owed.' She said, "Well, this is what you owe, you need to pay it right now." I said, 'I will not do that without a corrected statement from them.'

So she asked for my fax number, which I gave her and then she said, "Ok, let's take care of this right now, I said, 'No, you said you were going to fax me a corrected amount.' She then started getting really loud and so rude, and said, "I did not say that." I said, "You just said that." Then she said, "You have two bills there, just cross one off and put that amount in there and pay it." I told her no, I then heard someone in the background saying to her "This call is being recorded." I said, Good! I am glad this is being recorded! She said, Well, then we will send you out a new statement and hung up."

I called back my tax collector's office in Norwalk, CT on 8/12/2010 and spoke to Nancy. She looked up my information and informed me that my actual amount owed is $190.14! She also informed me the bill that was sent to them the $760.63 had been paid by Chase. They were getting a refund of $570.49.

Now, they were trying to get me to pay $950.77, shouldn't this be looked into? When they only paid the $760.63. So I asked her to fax me over this information to pay it. I am making my payment of $190.14 with a copy of the documents from my tax collector's office stating this.

How can they get away with that? Never mind the way I was treated and spoken to, but they were telling me to pay $950.77, when they only paid $760.63 and that was still the wrong amount that I owed. I will never use Chase Auto for financing again and will tell everyone I know this story. I want to make sure that none of this goes on my credit report or any other records. Thank you.

Ok, so here we go. My husband bought a car, and we have only been 30 days late once, and we went on the 31st day and paid with cash at a Chase Branch. When you pay cash, it automatically goes to the account, no matter what they tell you. Have we always paid on time? No. Have we paid any late fees accrued? Yes. So what is the big deal? Do I like paying the late fees? No. But we pay them, because we were late.

Now, here is the big issue I have. This Manny guy called my cell phone and left very inappropriate messages in my voice mail. I am not even on the account. It is my husband's. He threatened me every other day, even after I have called the 1-800 number to make arrangements. I don't believe they have the right to repossess your car, if you are under the 30-day mark. Come on, really?

I finally had had enough and called and cussed him out the other day. He still called and left rather rude and inappropriate messages in my voice mail. He doesn't dare do that with my husband...only me. I felt violated every time he called. I have asked to speak to his supervisor which I know he has one. But he refused to forward me; his solution was to just hung up on me. Really?

I am to the point that I have half a mind to go directly to his office and meet him in the parking lot. Why do we, as consumers, have to pushed to this level? I don't believe in violence, but he pushed and pushed. I pay cash every time, so it goes right on the account, and it always includes the late fees.

I ask like someone else did. Where is the customer service, compassion, etc.? So I expect them to let me be 90 days late, only if I have a valid reason and can prove it. This recession has been hard on every consumer out there. But wasn't it the banks that got bailed out? Where is our bail out? How come Walmart and T-mobile can be considerate and work with you? I owe them money every month, like my husband owes Chase. Why does Chase not care about the hateful reputation they are getting and the anger their "customer service" reps bring on?

Better Business Bureau, be there for the little guy, step in, and help make Chase a better place. I have emotional and psychological stress every time my phone rings. I am afraid it is Manny, and I am going to be violated all over again. FYI, I have kept and recorded each and every message and conversation we have had.

What would happen if the American people decided today to close their accounts at Chase and have their cars repossessed? Chase would fall...without us Chase is nothing. So come get my husband's flippin' car. We would rather walk than put up with this ** anymore. My husband will file. Listen closely, people. An "illegal search and seizure" police report and go to court charging Chase with a felony. There are rules to repossession, and Chase is violating them left and right....

Americans, stick up for what is right. Chase, you **.... Your customer service **.... And Manny, you can kiss my **! I know some people can't afford to lose their cars. But if a movement started, my husband and I would support it 100% Let's put Chase out of business and see if the CEO's and CFO's can pay their bills on time.

It is the only vehicle I have. I would appreciate it if there is anything you could do for us because we are positive, we can make the payments and pay off the vehicle. I am left without a vehicle and cannot get back and forth to the doctors and/or hospital when I need to.

When I asked her why she did not call me in return to my message, her response was "I didn't want to". I left her supervisor a message on her phone and was not called back. I was working with chase auto to surrender the car, why would they not work with me. Is it the company or is it the people working at the company. I cannot believe the company allows this, I was working with them and they just dropped the ball and did what they want, because an employee "didn't want to do something"? I would like for this complaint to be taken serious! I am very upset that they would treat people like this especially when there is a death in the situation. I will never use or refer this company ever! Thank you

I then called back Chase, finally getting to a human telling him what was going on. I then asked if he could tell me who would leave a rude message like that. I asked how many times does it show they called me, and could he put me through to this person or her supervisor. Not that he would put me through to her supervisor and whenever you ask to speak to a supervisor you're on hold for five minutes and then someone who say they are their supervisor most times are not. The young man told me that only one other call was made to me, so I asked why this other person had to leave me such a rude message. He said that he did not know that it was a different department. He also would not tell me what decision would be made with or without my consent.

What I would like to know is why do they have to be rude to people first off, my account has not been late before, and why would they leave a message without their name and not give more detail in the message for me to contact the person who left this rude message. Whatever happen to customer service? What kind of people are they hiring that they have to be so rude to people? Word of mouth said a lot so I will be sure to let people know to avoid this financial institution.

Another time, the collection agency contacted us about a payment which was never received. I had mailed the payment but the check was never cashed. So, I made a payment over the phone again and asked if we could set up direct payment. Chase informed me they would send the documentation. The documentation never arrived.

Last week, I called Chase because the bill for July never arrived. We had a neighbor collect our mail while we were away. While on the phone, the recording stated the convenience of paying online. I tried in vain several times to complete this transaction but the website did not recognized my account or social security number.

I printed out a copy of the error message if you need to review. It instructs you to call a number for assistance, 1-877-242-7372. Someone in the Philippines was not able to assist me so she referred me to **. The operator at this number referred me back to 1-877-242-7372. Eventually, I gave up and informed Chase Auto that I was going to file a complaint for wasting my time and for not complying with their advertisements of quality service.

The situation had a negative impact on my credit rating. I run a small business for 15 years and credit is extremely important when the necessity arises for purchasing expensive equipment.

So, I go to the local Chase branch and make a full payment plus $240 towards fees. Then the next day, Friday, I get a call from the repo guy saying that he has an order to go pick up the car. I explain that I just made a payment yesterday. He says he's going to check it out and get back to me.

Today, Saturday, the repo man came and got my car, after I had made my payment at the local branch and after I was told that the car would be fine. The repo man who was driving a brand new Lincoln Navigator, said that his orders were not to collect money, just the vehicle. Now I have to call Chase to find out what happened and how much it will cost to get my car back, this after paying $300 last week to get it repaired. Oh well, it is now repaired and repossessed.

My complaints are too many phone calls; calling when debt is only 5 days late, calling home # and cell, threatening calls and harassing me that I am delinquent when it rarely goes past 30 days. Am I obligated to talk to them at all if my debt is less than 30 days late? Do I need to provide them with personal info if the debt is less than 30 days late? I am upset and dealing with their phone calls while I am working distracts me from earning the money I need to pay them!

Now Chase only has my information because I am the borrower and in the meantime, like millions of others, my son-in-law lost his job, they moved in with relatives and they both spent several months looking for jobs. I knew they had very limited funds but they never asked for help even though they had 3 children to support. Anyway, last Thursday I got a call from Chase, the person's name was Marsha. She immediately started carrying on about how awful the account was delinquent, how they were coming the next morning and that my daughter's check had bounced. I told her I would get a hold of my daughter and speak with her.

Marsha called back shortly and was even more aggressive and threatening. I told her there was no way I could pay this because my income is from disability and I have a spinal cord injury from a semi truck and trailer hitting me and so she asked my permission for a 3-way call to my daughter. I told her she works in a public place and may not be able to speak openly with us, she said that was okay we should try so I said yes. Big, big mistake, the minute my daughter got on the phone she was yelling about how irresponsible she was (she is not) and how she has ruined my credit and on and on, she said they were coming to get the car in the morning and then sue me.

Well my daughter tried and tried to talk to her but this woman just yelled, neither of us could get a word in. So my daughter went to her bank at lunch and got the cash to make the payment and went to the Chase branch here and paid it in cash...just like she had said she would. Now my daughter was late with the payment but the threats and the yelling had me so upset that I cried off and on the rest of the day. There is no excuse for someone to treat people like that. I tried to call them on Friday and talk to a supervisor, after going through 3 people, all of which said I had to talk to Marsha first, I finally got the voice mail of some woman and I left a message for her to call back so I could report this abuse.

I never, to this day almost a week later, have had a return call. I also called again that following Saturday (last) and went through the same and the guy was yelling at me and threatening also. I finally told him to shut up and said this is why people don't cooperate with your company because you don't let anyone get a word in edge wise. He finally forwarded me to a supervisor, another "please leave a message". I did and still no return call. I, like all the others who have had to deal with these unethical, hateful, threatening humanoids, agree and I will tell everyone I know to never never finance anything with Chase.

I had a Chase credit card (zero balance) that I kept in case of emergencies but it is now cut up in small pieces and I will never never deal with these persons again. I have been so upset by this that I have not been able to sleep, have had a fight with my daughter and now am afraid that because I have never had any notification from them prior to this, that they will just show up and take the car.

Chase never called to apologize, no acknowledge what took place. In the past, they have threatened me with a so called investigator a.k.a. debt collector, harassing family friends and even going to my neighbors to try to embarrass me. These tactics must stop. I pay my bills. Sometimes they are late but that is life. But this bank will never work with you at all. Do not trust Chase Auto Finance. Go somewhere else to finance your car.

They transferred me to the collections dept. and said that I could probably get some kind of payment plan. I told the lady about just getting laid off and that I needed some kind of help with my payment. Her response to me was "Maybe you should sell your home if you cannot make your payment." Totally thrown back from her remark, I just could not believe she would say that to a customer. She then proceeded to let me know "there is nothing we can do for you." I’ve never been late on this loan for 4 years now, this is unbelievable.

I called back to speak to a supervisor to tattle on this Lady that was so rude and abrupt, but really no support with my position. I hope I will find employment soon to keep my car and if I do, I will never deal with this company again. They need good paying customers that never miss their payments, well they just lost a good customer.

They gave me the extension, only after my husband called and basically kissed their **. Financial stress has been present ever since then, as I have not found another job. We used our taxes to catch up some of what we owed. We were behind still, in May, about two months. My husband called them up, after their incessant calls. He tried to work out a payment plan with them.

We made the mistake of allowing them to do a check-by-phone. We authorized them to withdraw two different amounts of money for two Fridays in a row. My husband specifically said, "after these transactions, my wife will resume sending you paper checks." They did not listen to him. They tried to take more money out the following month. This was unauthorized. This cost me $40.

My husband called and told them not to take any more money out. I have since asked them for my $40, and I was told to hold on and wait for a supervisor. They hung up on me. They have hung up on me four times now, including the so-called supervisors! I will never use this bank again. I cannot wait until I can re-finance my car! I have since complained to the Better Business Bureau. When I told them that I was going to complain to the BBB, they said, "Go ahead."

I have a little over a year left on my payments and am doing my best. I called from work this morning and spoke to one woman who was very nice and understanding. She then transferred me to another person and he was demanding a payment today. I kept telling him that my payment would be made next Friday. He then asked for my work number and phone number after I just told him not to call those numbers. He wanted to know our financial situation and explained to him that my husband was out of work - Social Security Disability (retired). I told him that I've explained our situation to them dozens of times. No one listens. He told me he was there to collect the monies owed them and wanted a payment.

Our finances are very tight, as is so many millions of individuals. They just don't care. They talk to you like you are a deadbeat who doesn't care. Once this car is paid off, I will never do business with them again. They are getting their money - they need to leave people alone who are making their payments - if they are late, they need to understand. What they do to people is disgusting - this is definitely harassment! We are stressed out enough trying to make ends meet - we don't need to be talked to the way they do. Receiving calls at my work, makes me very stressed at my job. It's very hard to focus and relax wondering in the back of your mind what they will take my vehicle away that I've worked hard to keep.

I made at least half dozen calls to the customer service number to check on the status of the title and received a different answer every time I called. I was told that paying with a personal check would delay the title and paying at a local branch would also delay the title more than paying through the mail. I was also given different dates of when the title was mailed out to me. No one in customer service could provide me with an accurate answer or date as to when the title was mailed. I didn't receive the title until three weeks after I paid off the loan. Unfortunately, the buyer of my car did not want to wait that long and decided not to buy the car a few days before I received the title. Because of Chase's inefficient process and incompetent customer service, I lost the sale of my vehicle. This was by far the worst customer service I have ever experienced.

They told me that I had to pay $900 to bring my account current and that the last check wasn't applied or cashed and wouldn't be. Well, that was lie. They took out the $400 anyway. So I asked for a refund after the $900 EFT cleared. They said I'd have it in 5 business days. 10 business days go by and there is no refund. I call up, verify my current address, and they state they sent a packet that I needed to fill out proving they cashed the check.

I faxed them the info and was told it would take 3 business days. I called after 3 business days and was told that they didn't receive the info properly and I was given incorrect information. They stated they'd send everything in writing. Well, I call back a week later, verify where the check is to be sent, have them repeat the address, and they send it incorrectly again. I call back 2 days later asking the status, find out they sent it to the incorrect address, and they read to me my current address. I call back 2 days later. They claim they sent it to my current address along with lease termination documentation I had requested. They also accidentally applied a late fee to my next payment that isn't due for 24 days.

I call back 2 days later, verify with a supervisor that again, they had sent the check to the wrong address and that they must have misspoke. I verified that the check was issued to my current address. I was told again it would be 3 business days until it was received. June 1st 2010 is when I should receive all of my information and account history at my current address. They also stated that they were looking into all of the overdraft fees that I've incurred due to them 'accidentally' withdrawing a check they held for over 14 days and 'guaranteed' me could not be cashed and would be destroyed.

I have incurred $60 in total overdraft fees, emotional angst and frustration, and have been deliberately misled for their own financial gain. They have been withdrawing money from my account under the leaser's name, not my own which is a violation of Federal Banking laws.

This is the part that frustrated me. I owe $1039.00 on a loan I took out 5 years ago for over $15,000 and put $5,000.00 down on. To me this is a low risk loan with a stating balance at 75% of the vehicle sale price. At his point, my car is worth $13,000. I have 3 more payments until it is paid off. I was 30 days late one time in 2005 due to a job loss. Now, I am being threatened to have my car, strike that, according to Steve, "The banks car" repossessed. I calmly asked him what options I have and what are my options with Chase as a customer. Steve replied that he can only tell me that I have until Friday to pay. I asked him what would happen Friday. Steve replied, "Chase does not want you to know what will happen". Each time I tried to ask a question after this, Steve interrupted me and repeated himself. He went so far as to blame "current regulations" as to why he cannot cooperate in a conversation with me.

I asked to speak to someone in customer service or a manager that can answer my questions which he had raised. Steve replied that "This is the collection department not customer service". That statement sums up Steve's attitude, depth of personal skill, and lack of professionalism. I asked Steve seven times over the next few minutes of Steve repeating himself (and ignoring my questions) if I could talk to a manager. He continued to tell me his supervisor was on the call and can hear me. I asked his supervisor to get on the call. He kept asking me "Why, what do you want to tell them?" He informed me the call was being recorded by Chase and his manager can listen to it. I informed him this call was being recorded on my end as well, since my work is required to. He then hung up on me.

I called back and spoke to another person. This person was not confrontational and answered my questions without belittling me. I also asked to speak to a manager to lodge a complaint against Steve. I was sent to a voice mail for Charles Hunt where I left a message and am waiting for a call back.

The last representative I spoke with advised me I had until the 3rd of May to pay, which is when I get paid again. Melanie insisted she would repossess the car and repeatedly made stressful remarks like, "You obviously don't care about your debts," and, "What will you do without your car?" in a snide tone, and almost yelling, "You are always late since you opened this loan! You clearly can't afford this car. You obviously don't care about paying your debts," and others. I said there was no reason to be rude to me, that I had spoken to someone already and arranged to make a payment, and she said, "Well, you have a problem because that's not good enough!" I stayed very calm but she made me very angry and stressed and would not listen to me at all, but kept interjecting her remarks about how I will lose my car and that I don't care about paying things off, and how they did me a favor by "allowing me to build my credit" by giving me a car loan. Are you kidding me?

I doubt she heard 2 words from me with all her rude interrupting. I have never complained about a collection call before, but this was the most stressful and worst one I have ever had, and I wanted to report it and her because there was no reason for it. Despite my excellent past records, I am now being treated as a bum off the street by a company I pay money to every month (late or not). I endured a real physical and financial hardship out of my control. I am doing the best I can to make things work and to pay my debts, but now when I speak to a representative, I don't know if the dates that they say I need to pay by are real or not. If one representative says one thing and a supervisor calls screaming at me something else, who do I listen to, a representative that sounded courteous and professional or someone who screams and is totally rude and who claims to be a supervisor? I don't know, but this sucks. She should be fired either way.

I received a phone call from Mr. T. and Sheila, 888-, ext. 10662. Both Mr. T. and Sheila were rude and very unprofessional. I really do not think it's appropriate for a Chase rep to ask me if why I can't afford my vehicle and leave threatening messages with my references when I cannot be reached. I do my best to return phone calls from these individuals when I receive them but often times I am not able to make personal phone calls at work.

I fell behind on the vehicle payments in 2006 because I was unemployed for 9 months. I then had surgery late last year which placed me on short term disability and I did not receive a full paycheck. So for me catching this note up has been a constant battle. I appreciate the fact that the other reps at Chase have worked with me through tough times but I do not appreciate being harassed at work. My vehicle will be paid off on March 2011 and I really want to make sure I get back on track so that I can pay it off. I would also appreciate working with one representative and not speaking with (5) different reps every month. I have to explain my situation to each rep each time someone new phones me.

I would appreciate if someone can contact me in a professional manner. I am requesting working with one representative until my vehicle is completely paid off. Thank you for your time in assistance with this matter.

After I left Safe Credit Union, I called Chase Bank and spoke with Daniel ** at 2:29pm. He informed me that the $350.00 payment I made on April 3rd would be refunded to me. He said that I would receive a check within two weeks. At that point, I asked Daniel ** if it would count as a strike against me or hurt my credit or standing with Chase at all if I cancelled the $350.00 check I gave them that day. He said no. I called my Bank, Bank of America, directly after talking to Daniel ** to cancel the check. The representative informed me that there would be a $30 fee for cancelling my check. I chose to wait for my refund from Chase Bank in the mail.

On April 14th, I received a letter from Chase and it did not mention my refund at all, so I called Chase Bank. I spoke with Kenz and he informed me that I will not be receiving a refund of $350.00. I asked to speak with a supervisor and I was transferred to Mae. She informed me that the check I brought in on April 3rd had posted to the account before Safe Credit Union had called for the 10-day payout, therefore, they would not be issuing me a refund for $350.00.

Firstly, if I would have cancelled my check on April 3rd, that would have counted as a mark against my record because Chase Bank's representative, Daniel ** gave me wrong information. Secondly, now I was expecting a refund of $350.00, by April 17th, that I will not be receiving.

I am very dissatisfied by the service I received from Chase Bank. Their representative gave me incorrect information about my account and finances that potentially could have a devastating impact on my credit. I was expecting and needed that $350.00 to pay my bills, and if I would have cancelled the check, it would have counted as a mark against me. I always pay my bills either on time or early, and it is just utterly ridiculous to me that Chase Bank did not do anything to make up for the fact that my life was impacted due to their representative giving me wrong information.

Not so fast, I got a call four days after the money was taken from my account stating my account was just sent to collection and is now 30 days late. I gave collection the check number, the amount of the check, the date it was processed and the date it came out of my account. I was told by collection that because they can't see it on their screen, I would need to make another payment for it to come out of collection. This of course is where the craziness starts. I told the lady on the phone no, you need to figure out why you can't see it and fix it.

I hung up after talking to her, called back and got a guy this time, who starts with the same rhetoric until I interrupt him and told him the phone system shows the payment as received six days before that 30 day mark. He did a little research and found it. Of course, by this time, another 32 cents of interest was added to a non-existing amount owed. He said it would take five business days to fix the problem. At the fifth day mark, when I got another letter, this time I find out it has been reported to the credit bureau as 30 days late (which it never was) and now 35 days late. I'm now thinking, "You got to be kidding." I called back and was told it could take up to seven days to fix and which time the credit bureau will be sent a letter retracing the 30 days late. It's now been 19 days since they received the payment and it's still not fixed.

On Monday 04/12/2010, I received another call from Chase at work dunning me for the money. I told them I had already been contacted. The lady was rude. I hung up. I tried to call back and speak to someone else about this and they needed my account number or vinn number. I am at work, don't know account number. Haven't received this and I didn't have the availability of my vinn number. Again short and rude, I hung up. I got permission to go get my vinn number and I called back. This time, I was going to give them the vinn number. The lady asked for my acct number. I told her I didn't have one and she wanted my social. I told her no that was not to be given over the phone. I have my vinn number.

During this time, she never quit talking and telling me I was in arrears on my acct., talking over me. I told her to let me explain and she said that I needed to let her finish talking first hatefully. I was so frustrated I asked to speak to someone in authority and she said she was the general manager and she was authority. I just hung up. All I can do is wait until they send me an address to mail a payment or come get the car whichever comes first. Well, they were calling me on weekends and at work. My boss was upset. I was upset the rest of the day, not to mention my credit. I have an excellent credit and I'm not sure this won't come up later on my credit report.

Well, I sent that payment (including the late charge) and the next payment early. The same day I received the letter, I started getting calls from Chase employees. I called and a really nasty lady was telling me that I needed to tell her where I park my car and give her other information that she has no business having. I told her that last and next payments were on their way but she wanted me to give her my bank routing number right there. She said that until the payment arrived that my vehicle was "at risk."

I asked her what that meant (even though I knew) and she said repossession. I asked her if that was reasonable after one late payment and with that payment and an extra on the way. Her response is that times have changed and if they loosen up on me then I'll think-- but I cut her off and told her to never believe she knows what I'll think. She said that they wouldn't want to repossess my vehicle anyway because of the year and what's owed on it.

I hung up and checked my bank account and saw that both checks had been cashed. I called back and got a different agent, who was, in fairness, a lot nicer. Maybe she was because she knew the money was coming? She said that it takes 3-5 business days for them to process the payment. I'm a little surprised that they would take that long considering how much they like the money over customer service. I sincerely hope that any potential customer reading this story and the many others on this site, will consider never doing business with Chase for their own benefit. I hope that any Chase Auto employee reading this will realize that getting nasty about payments already on the way will realize that they've lost a customer for life.

The very next day, I was awakened by numerous calls and voicemails from Chase. Again, I called, this time speaking with a young lady. I went over the information all over again. The young lady was extremely rude and argumentative. I explained to her in detail the conversation I had with the previous representative the day before. This young lady didn't seem to care, appeared to be more concerned with arguing rather than resolving the problem. I then requested a number or contact information for Chase Corporate Services. The young lady states she doesn't have any corporate contact information. I then requested to speak with a supervisor. Initially, I was told no supervisors are available. I demanded to speak with someone of a higher authority. Finally, the young lady placed me on hold then transferred me to another individual where I left a message for a return call. No phone call to date and it's been over a week.

The following day once again, the calls from Chase began. This time a man named Jessie called me from 503-452-3284. By this time I was livid. I explained to this guy that I'd been contact over 20 times by Chase in the last two days. This is no longer call of resolution but harassment, plain and simple. Jessie states he's removing my number from their auto system list so the call should stop. I then asked what his call was about. Jessie now states I have a balance due of $180 and change. I was baffled and asked how that was possible. Per Jessie, they applied late fees, fees for spot checking. I said what the heck is spot checking. Jessie advised it's when they send someone out to check and make sure the car is at the address on file. I asked, “How in the ** can I be charged for something your company chose to do?”

Jessie couldn't provide an answer. The conversation continued as I advised Jessie of the previous phone calls I received and the results. Jessie then became aggressive, advising me that the calls wouldn't be happening if I paid my bill on time. I stated to him my bills been paid, not always on the exact due date, but never more than a few days late. Jessie became very vocal about payments and that I needed to send this balance in right away. Once again I advised him I would not be paying for a service they utilized, not me.

The conversation quickly turned into a very heated argument. I told Jessie I no longer wanted any verbal contact from anyone at Chase as they're all ignorant and don't know how to be courteous and treat people with respect. Jessie states that's not possible, they have a right to call. I told him, “And I have legal rights to tell your company to never call me or my references again.” Once Jesse’s realized I was right, he then states, “Well, we have to have that in writing.” “No problem,” I said. He provided a fax number of 503-452-3280. I faxed the letter that day. Here we go again, the very next day calls started again. I refaxed the letter as well as filed a complaint with the Better Business Bureau. My payment was due again on 3/22/10 and I get paid in 3/26/10, four days late, the payment would be.

On 3/24/10, I received a letter in the mail from Chase that was more than rude, stating that I cannot run from the problem. They'll repossess my car, you name it, they said it! These guys are a joke. The next step is to place an order against them so that they are no longer able to come to my home as they've been there a number of times making threats, demanding to see picture ID. This is insane! What happened to respect in the customer service world? This entire corporation appears to be run by a bunch of ignorant individuals that aren't from planet earth. You can't treat people this way then show up at their door. That's dangerous!