Chase Auto Reviews

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!

We’re not able to drive the vehicle we purchased and not able to get another vehicle to drive because we have a legal obligation on the car loan with Chase. We are currently driving a car that has a major exhaust problem and other mechanical issues. This is the car we were replacing with the vehicle that we can't put a plate on because Chase Auto Finance hasn't sent us the documentation we need. They are also expecting the first payment on this loan in about two weeks.

That's when they started hanging up on me. I called back several times, and each time, they hung up on. Each time they refused to give out any work information. Further letting me know something just isn’t right with this company. Upon using Google and pulling up business information, I called who I thought was their business head. I was informed by Chase that, "No, you don't have an account with us. We get these phone calls all day for these people. They are trying to get your SSN so they can rob you!“ Straight from the supervisor Jesse at Chase.

So I will be opening a criminal investigation towards their company today. I urge anyone getting a phone call from these people to not give them your SSN! These people are criminal frauds! Antagonizing via phone and answering machine all too often for someone without an account with them. They have elevated my frail health due to unnecessary harassment. I am suing!

We called asking when our payments were due, about the payoff to our bank. They told us that the Chase representative dealing with our case had deleted all of our information by mistake. My bank called them, asking for the payoff. They told us and my bank: "We will get it done, call you with the details, and they will contact you regarding the first payment.” These people never contacted us or my bank and they were never in the office when we would call. They finally did today, March 24th, saying that we were overdue on our payment from February.

When I called and complained, this "Sammy" guy was incredibly condescending, pretty much insinuating that I didn’t want to pay my bill. These people totally messed up with the paperwork and then tried to blame it on us. I asked to speak to a manager and this guy told me that it would be of no help and literally said: "Come whenever you want. We'll be here waiting for you to tell you the same thing," in a very challenging tone of voice.

My husband went there and the general manager was as condescending. He made that payment and immediately refinanced with our bank (which is awesome by the way, FECCCU). I will never buy from Lou Bachrodt in Coconut Creek ever again or deal with Chase bank! You could think that as a repeat customer, they would treat you nicely. What happened with customer service? These people were totally arrogant and had absolutely no respect for me or my husband. I have worked in customer service and I would never even dare to talk to a customer like that! I have no idea how people like this are kept in the people business. Because they messed up, we had late payments in both my bank and Chase. We have never been late in any payments and this has damaged a perfect track of payments with my bank.

The new job was at a huge pay cut to the one when I had taken out the car loan and I was having trouble getting caught up on things. I explained this to each person I would talk to. I had been sick and missed some work so my payment was a week late. Chase started calling my mom again and harassing her wanting my work number. She told them she could not give them the number because she didn’t know the number and that even if she did know the number, I would not be able to take phone calls at work. Chase got the number some other way.

Several times they called me at work and when my supervisor would tell them I could not come to the phone, they would hang up on him then call back within the minute. This happened again and after him telling them 5 times and them hanging up on him each time. On the 6th time he gave me the phone and told me to take 5 minutes to deal with them. The lady I talked to was very rude and refused my method of payment (money order) saying I had to go pay by Money Gram which was an additional $10. I explained to her I did not have the extra money to pay it that way. She continued to argue with me and get louder.

Since I was working in a public place customers were listening to me trying to tell her I would mail the payment that Friday over and over, but she still kept telling me I could not pay my payment that method. I had been told once that a creditor could not refuse a method of payment or amount with out good cause. I had paid all my payments through money order and never had a problem. I told her I had to get back to work that I would call her when I was off work and could she give me her contact info. She refused to give it to me saying it had to be taken care of right then.

My boss was needing me to get back to work, so finally after being bullied I told her I would try to pay the way she was wanting. But if I could not get the extra money for the money gram, I would be mailing the money order and hung up on her before she could say anything else. Three weeks after getting the payment and a week before the next payment was due two guys in uniform came into the place I work and asked for me. My supervisor told me to go outside to talk to them and see what they wanted. They were there to take my car. I asked them if they could follow me to where I was staying so I could take my belongings out of the car and they agreed. I told my supervisor what was going on and left.

After they took my car I called Chase to find out why they took it since I was not behind and still had another week to make the payment that was due and told them the payment would have been mailed the next day on payday. I was told that in order to get the car back I had to pay them almost half of what was still owed on the car. I asked them how it was legal for them to take the car since I had made the payment and they had it on record that the payment had cleared and another was not yet due. I was told that they could not help me and that the orders had been given and followed for repo. Then the person hung up.

Since the amount Chase wanted was more than I could come up with, I did not get my car back and also lost my job since I had no way back and forth. Plus since I lost my job I also lost my place to stay and was homeless. I had to stay with family and friends and lost the respect of some of my family because of losing the car. I am still trying to get back on my feet and had to move out of state with another relative to find work.

I then gave the address where to send the title in AK, Fairbanks DMV. I was notified in the mail by Carla, who is in charge of car titles from the dealership, that she had sent the title to Chase, but every time I call Chase, they say that there was no title received. I gave them like another week to follow up. After again a negative response from Chase, I called Carla, and this time, she got an answer from Chase that it was mailed to my house address in Anchorage. I gave it another week, but nothing in the mail. I called Chase again. This time, customer rep said that it was mailed to Fairbanks DMV, but was rejected. I asked that if it was rejected, there has to be a reason why, but no one can tell me what.

All the customer reps I talked to said that they were just reading off of whatever information that's on the screen. I was very frustrated, because my temporary registration has been expired, and I cannot mobilize the car. The fact that no one can tell me the reason why the DMV in Fairbanks rejected, was a complete nonsense. I know the manager of the DMV. She said that they never rejected the title request, and if ever they reject any mail, she said that every mail handler will log it in.

This went on and on. I then asked where is the title, if it was rejected? No one can tell me. Just before the holidays, I spoke to another customer service rep that they now have the title, and it will be mailed on January 4, the earliest and best they can do, because of the holidays. I patiently waited and waited. The end of January came, but nothing happened. Meanwhile, even if I don't get the use and satisfaction driving the car, I sent in my monthly payment as my commitment. Another month has come and gone (Feb), I do not see any promising efforts from these so called customer representatives. They can not even assure of what plan of action they are taking to help me. Just before the end of February, I insisted to talk to a supervisor, and I remember talking to Ann. She said that she'll put in for an application for a duplicate title, and it may take up to the 7th of April. I just disregarded all cover up reasoning behind the delay. Instead, I gave them an ultimatum. If it is not received by March 5, you can pick up the car. Sure enough, 5th of March came, they still can not tell me anything. I told them their time is up. I am not paying for a vehicle that is parked in my garage, and not be able to drive it. The fact that Chase failed to execute and deliver their contract and service, I therefore demand them to refund my money paid to Chase, and my down payment. i lost my down payment, and monthly car and insurance payment.

I went to the bank. The bank people were very helpful and said they could not see I was late anything. Seems I need to come up with about $420.00 (approx) to make account good and not delinquent for any possible repo chance, hmm. I thought repo meant someone was behind at least 3 months or more and not just 1 payment.

I called again. I got another ** as all over the phone agents are and are trained to not help people in any way, they are there just so squeeze you and not give you any chance at all. This moron says, “Well sir, you missed 3 payments,” and told me the dates which kind of coincide with being laid off of work so I asked, “So then I am 3 months behind?” “No sir, you just need to come up with xxx amount for missing 1 month.” What?! Are you confused as I am?

In person, the bank said and called collections and collections said that I just need to come up with the approx $420.00. So the account is even since I had not made the normal payment. And for internet sake, let's say it was $450.00 a month I owed, okay then so if I only (and got letters saying to pay less but anyway) missed $50.00 a month for 3 months, that's only $150.00. How would they come up with 3 time or 4 times more!

Bank (in person) said I owed x amount so I gave them 100 bucks to lessen it and called Chase on the phone and of course that's where you get all messed up since it seems that neither the banks or over the phone records do not match each other on the screens. Why they should show everything that each person sees is right! Duh! They keep calling and I will not respond since they will not help, offer assistance and I keep getting various stories from each over the phone agent. How's that for a totally asinine company that does not offer in any way shape or form to truly/honestly help a person.

Confused? Yeah, I am. And so is the bank I go to so how's that. I missed 3 payments but not missing any. (What?) I am only late on one and even late fees don't match anything. In person and over the phone, computer records at Chase don’t match each other. It goes on and on. I try to do the best I can to tell anyone to not use Chase in any baking manner, go elsewhere and save yourself from them. Let them go broke as Obama should have let them!

I'll figure something out to stave them off. Told them I am out of work, vehicle is used for getting medication, errands for 2 disabled people but they don't even remotely listen, care or offer help which must mean you are talking to Chase bank. Does Chase even look online for all the horrible stories? Doubt it since they would try to get better in any way they can.

If you call them, tell them you are recording the conversation as they can and will do to you when you call them, see how fast they start to cry on the phone about that yet it is legal to do so if you tell them such! From Chase phone services, "Your call may be monitored at any time." Fair play is fair play chase! I am out of work. They say I cannot get any hardship until account is even but if I could do that then there would be no hardship case you morons, just another ploy by them as usual! Go to the bank, get a money manager person to talk to in person and be calm and state your matter and let them do some leg work for you then compare that with over the phone and see the various stories over the phone get's you! It's amazing how they change stories!

I feel for each of you current Chase Bank loan holders. I really do and say my mind of Chase on twitter when I am on twitter. Get the word out on any site you can but be legal in your wordings! Good luck people. You'll need it as I do! I may try to sell it off and get some extra cash to get some other vehicle no matter the shape! Funny thing, I am late or whatever the story of the day may be but when I go to the bank in drive up, they keep telling me I qualify for many Chase rewards and benefits. Yeah, I'm jumping all over that line.

Yes, I'd love to speak to a lawyer from here on this and what to do very soon. I'll look in my email later today, I hope I find someone! Please use Chase help in the subject heading so I read and open it or it will go to spam and never get read by me. I wish I had saved the 2 letters saying a payment that was less than normal payment is due. That’s how I got messed up in the 1st place by their letters!

Now again, I have yet to receive a statement. Today will be 3/4/10 in 45 minutes and payment is due on 3/9/10, which means by time I can check mail again, will have less than 5 days to get it to Chase for timely payment. Tried to access online account tonight without any success. First time used reset password from online account page, entered correct user ID and password (numbers sent by email), got message it was incorrect. Called Chase customer service, entered auto loan account number and # and followed menu.

"Banker" finally came on the phone and requested auto loan number again, walked me through my name, complete address and security questions about what company did I deal with in past (all 3 were bogus, correct) and an address I lived at 12 years ago, correct. Then sent new password number by email, which took several minutes. He hurriedly got off phone. I tried new number in email he sent, which arrived 3-4 minutes after "banker" hung up, got incorrect password again.

Called back again, through same lengthy process again until I was asked security question involving information on my adult daughter. I hung up. Enough is enough. She doesn't have anything whatsoever to do with my car loan, what is this, they investigate and databank all your children's information? This is extremely poor customer service I've experienced. Need to have statement timely issued and mailed so I can make payments timely (up to date except this month where I have yet to see a statement), avoid extra fees for automated payments. 2 emails with incorrect passwords-- no problem posting them here, they don't work! additional fees for other bill paying options when they don't issue coupon or statement, to avoid late payment (and likely even more fees).

After all these attempts to get my pay-off from Pamela I finally received it from Mark ***, who told me that it had not charge off yet and after payment was supposed to fax a paid in full letter, which I never received and so I contacted him about this and he said he mailed it. It still has not been received to date. The account was paid in full on 1/29/10. Had Pamela *** done her job, we would have had this account paid off well before the charge off date and I am asking that this be removed. Mark claims that he took care of this, but it is being reported as a paid after charge off on mine and an unpaid charge off on Erika's. This is gravely hurting our credit and I don't feel we should have to pay for their mistakes.

As I stated before all I would like is for it to show paid, closed not as a charge off or remove the account from our credit. Erika also made attempts to contact the corporate office to handle this without filing a complaint and just got the runaround from Josephine ***, who I sent several pieces of information and have copies and phone records for that, who then gave my case to Sonya *** who Erika has a voice mail from and knows little to nothing of the issues I was having and made it seem as if she did not care to know.

She told Erika to call Andy *** who was very rude and made false claims that we were 120 days late and that's why it charged off. Though we were late it was only 90 days as of 1/25/10. I have payment receipts for every month since we bought the car. Erika and myself informed him that I would be filing a complaint, and he stated go ahead as they get complaints all the time. We are trying to buy a house and due to the nature of the account we lost to my points to purchase a home we paid the account off 100%. Now we are forced to rent until this account is fixed or a year or more old.

Anyway the rep said she would return the money they took out of my account and take it out of the correct account. The money was in fact returned to my account, however 1 week later my daughter's car was repossessed, after a couple of days my daughter noticed the money had not been debited out of her account and she tried to pay online like she usually does, however her account was locked.

She then called a couple of times and got voice mail. Once her car was repossessed we called them and got a very rude response they said, "Well, you should have stayed current." My daughter was in tears, she was current until they failed to take her payment out of the appropriate account. She then called them to see what her options were, they informed her "You have no options. You pay the full amount of what is due on the loan or say goodbye to your car." She had the money in her account and made several attempts to pay them. We also called the company that towed her car and they said, they were under strict instructions not to give us any information regarding the vehicle. They would not even tell us how much the repo fee was going to be. They said, it varies depending on the bank.

Another thing that is odd about this situation is my daughter had been out of town and I was about 3 days late getting her info to make her payment but they had already contacted her dad which is the co signer. Also contacted my mother which is listed as a personal reference. Why didn't they do that this time, so this matter could have been handled immediately?

Chase has very rude customer service reps and are very she also asked them to take her work off of the contact list because she was not able to get personal calls there and yet they continued to call her only there. Well, this has created obviously economic damage. This will be on her credit for years as a repo. She now will have to use money, she had saved intended for the continuing of her education to try and somehow get another car. She needs a car for work, school and to get home for holidays and some weekends.

As a result of their repossession agents, I have been hit with a brick and the police in the State of West Virginia have refused to render any assistance in the assault so I am now taking matters into my own hands and I am filing a 200,000,000 dollar lawsuit against the company for damages to my health. It is time that Americans take back their rights and make these companies pay.

The second "gentleman", Marcus I believe, stated that Chase would not allow partial payments, even though my husband and I have had accounts with them for over 10 years and never been 30 days late. He stated that I either made a payment then with him on the phone, which cost me more money, or they would come get the van today. I had no choice but to make the payment.

I have three children and cannot be without a vehicle. How can a bank treat good customers in such a manner? I am so physically sick over this whole situation. We have always paid our bills on time. Why can't these big banks understand that people are going through hard times and need to be give a little assistance? Isn't Chase one of the main banks that received bail out? I may not be able to pay my mortgage next month because of this.

Then after my final payment they threatened me with the $600 owed in late fees. I explained to them that I felt it was their fault that I accumulated late fees because I begged them to change my payment date and they refused. Now they hold the title to my car and will not send to me unless I pay the $600 in late fees. Stay away from Chase Auto Finance. They are rude and will not work with their customers. I have purchased 5 new cars and financed with several other finance companies all of whom were more than happy to work with me through difficult times. Not Chase, they do not care about their customers. I will never do business with them again. My title is being held even though I paid off my 5-year car loan.

When I called this week to get a payoff amount so our bank could take over the loan, they first told me I had to make my late payment before they would give me an amount. We talked to about 4 different people, all of them with the same hateful attitude. Unbelievable. I called again and finally got an amount, was told it would be the same for 10 days. I informed them I would be calling back in the very next day to pay the car off. I was told there be a fee (of course)! When I called today, same rudeness plus the price had gone up by about $2.50, I said that was fine. I wanted it taken out of my account today. We'll see if it is. I have a sinking feeling that somehow the price will go up again. When I wrote my last letter to them, I stated that I might only be just one person and probably wouldn't make any difference to them, but I would tell anyone I could how horrible they are. And I do.

When they called to get the loan released to TX, Barb told them no. She did not have to release the loan for a lower interest rate. I am a single grandmother raising grandchildren. I also have cancer and for a bank to have no willingness to help out is unheard of. I feel they only wanted to repossess the car because it is more than paid for and they could resell it and still hit me with whatever they say the balance once sold. I know of by here, lots who don't charge that kind of interest, but I was trying to build my credit. What this bank has done to my family is appalling.

All they say is that they want to talk to him and no one else. When he verbally authorizes a third party to work through the situation, they screamed, insulted, and harassed us, saying they will take his only means of transportation. This has been very detrimental to his health and recuperation. He cannot use the vehicle, because he is afraid they will take it away and will not have enough money to catch up. Even if he comes up with the money to pay off the delinquent balance, his family does not have the full amount to pay off the loan but it is pretty close.

Then, he started to threaten me. He said he guaranteed me I will not have the car pass the weekend, it will be a very busy weekend, and I need to move quickly. He told me I have until 9pm tonight to make the payment. He was very rude. He told me I needed to get off the phone with him and start making calls to see how I can get them the money. The 28th was unacceptable and I am refusing to make payment.

I got really upset. I told him I was not refusing to make payment and I could make the payment on the 28th. This went on for 45 minutes. He belittled me on the phone. He told me that if I did not have the car, what would I do, and how would I get around? And if I don't make the payment today, he assured me I would regret it and again it is going to be a very busy weekend. And when I wake up in the morning and don't see my car outside, then I will know what he is talking about. On and on he went to the point that I did call my husband (who is not on the loan) to prove to him that I was making a call. But my husband could not give me the money today. We could pay it on the 28th. This went on and on, his talking down and belittling me and the threat of my car being gone in the morning.

Instead of working with me, I got verbally insulted and threatened. But this is a common thing with them. I try not to get upset but it's hard when you got a completely rude and aggressive person telling you how you should get a more "affordable" car payment. Nice. What kind of training do these people get? Are they trained to belittle and threaten people? I unfortunately have to continue with them. I do not have a choice but I have vowed to never let them get me down again. I will never, never finance through them again and will warn all that ask me about them. Horrible, horrible company.

I explained that I was in a call center environment and needed to get off of my cell phone due to having to leave the floor and that I had a manager that was out for my blood. She again said if I didn't commit to giving her a payment by phone, that they would come and get it. So I finally lost it when a co-worker was gesturing to me that my boss was looking for me. I told her to come get it then and it would have been good for them not to have lied to me and after I borrowed money both months to get it repaired and to make the payments on a vehicle that doesn’t run.

She insisted on wanting to know why I was always late and some sort of episode was every month. I explained that furlough is known nationwide as state workers were given 1 day furlough in January 2009; in February 2 days furlough is imposed; in March, 3 days furlough; no prior notice, just taken. I explained I am still mandated to report to work on Furlough Fridays, drive pay the exorbitant gas prices, and with my car getting only 10 miles to gallon of fuel that I am paid salary whether there is 4 weeks or 5 weeks in the month, I am paid the same, the State was not processing even employees monthly on time, that my overtime check that I expect every month to be paid on the 15th had been paid to me 8 days late.

I authorized the payment, it bounced and several NSF fees at $35 that I would like to wait until I had the check due me in my hand. I asked her why when John told me I would be eligible to extend my payments to at least get back in status and not acquire all the fees they charge daily. She said we have given you extensions and you can't pay your bills after we do that. I was crying and I told her then take the car. Then I returned to my desk crying because my manager was standing there waving at me to get back to work and get off of my cell phone on State time. Well, then she started calling me back until I shut my phone off. Later I listened to her voicemails and returned her call.

She advised me that if I could get my payments current, she could waive all the late fees because I couldn’t understand how I was making the payments every months and owed $1500 over $900 in late and finance fees. Well, she told me if I could just increase my payments to $660.80 for September, October, November, then December’s payment would be extended to the end of the loan and the over $400 fees could be taken off. She had me promise to call her every month after I went into the branch to pay the payment direct something.

I hadn’t been told and was being charged $15 to phone my payment to them. They took the payment out of my joint account with my son and that overdrafted his account causing me to pay all the fees. Chase charged me an arm and leg in fees and finally agreed when I wanted to hear the tape because everything they tell you, the caution is being recorded.

When I am late I have called Chase and told them that I was going to be late this month. They tell me that I have a 12-day grace period and that I will be fine. After my due date I get a phone call from Chase saying that I am late and that I need to make a payment now. There is one employee that works for Chase and he calls me all the time and his name is Tappoon or Typhoon. He sounds African American or from India. He has called me at work and one time my supervisor answered the phone. He asked for me and my supervisor said he is not here. Tappoon asked when is he working again and my supervisor said we are not allowed to give out that information. He then said that it was urgent that he talk to me and he asked my supervisor his name. My supervisor said," I don't have to give you my name, and what is your name?” Tappoon said that it was none of his business and that he would call back.

My supervisor was shocked on how rude Chase was to him on the phone. He discussed to me that he is late on his car payment sometimes too and his bank never does that. Tappoon called again and I picked up. He said this is Nick. I said please do not call me at work anymore, will you please contact me at my parent’s house? He said, "Mr. V. we have been contacting you at your home and left numerous messages and no one calls me back. Now Mr. V. you owe $612 and you need to pay this now or else it’s in my power to have someone take your car." I said," Look, I don't need your threats.

You guys have always gotten my money and I had a death in the family during Christmas and I told you guys that I was going to be late." He said, "Mr. V. this is a problem. You broke your contract. You need to pay the $612 now." I said I already sent a money order. He said he needed all the info now. I said I'm at work and I don't have all that info on me; please leave me alone and you guys will be getting your money. He said, "Mr. V. you may never get a car again because you’re going to mess up your credit. Now it’s in my hands now and I have the power to repo your car.”

After that I was so upset that I hung up. My supervisor was there and heard the whole conversation and he said, "Wow, Chase is a horrible bank." I always make sure they get my payment. Yes, I admit I have been late but for them to be mean to me? I am so upset with them that one time and I have proof I sent in a payment and they called me. They said that I was a liar and that I never sent a payment in. I had a money order. So I went to the bank and asked them. They said that Chase did cash in the money order. I called them back with all the paper work that the bank gave me. A week later I had a letter sent to me from Chase that was an apology letter.

I'm tired of this Typoon or Tapoon guy calling me and threatening to take my car and all. I try to explain to him and he is extremely rude and hostile to me. He was even rude to my supervisor and my parents. I'm about to go see an attorney. I can understand if I was 2 or three months behind on my payment, but when I'm like 16 days past and they call me. I got into trouble at work. I could have lost my job. They were rude to my supervisor.

Today, 1/9/10, I received another collection call. I waited and spoke to Bryan. I explained again, and he asked me again to verify everything again. He started asking me who my auto insurance is. I said, "That's enough. You know my address, my cell, my home, my mother's maiden name." I asked for a supervisor. She said I can complain to customer service.

I was told by Lennea that there is nothing they can do about the collection practices. I can write to Chase Auto Finance Executive Office in Garden City, N.Y. 11530. I asked for a phone number. They said they have no phone or email they can offer me. I called. It is the same customer service. I was told by Amareli and May that I can write to the same address. What would be the point?

So instead, I'm posting it here. My complaint is this: Had I been told by the collection department to call customer service to stop the calls, that would have been helpful. I wasn't told by collections, only until I called customer service. I can't complain about the collection department, because it's a different department. The other complaint is why the collection department needs to know my auto insurance carrier. And had I not stopped, it would have continued with the questions.

In December, I was late cause I had to borrow the money. This time Jason's colleague Miranda calls me and says Jason wants to work with you he said he will grant you the extension this time on Dec 20th pay 700 dollars and that's it. Well I did not believe him so I got my daughter involved and put her on the account to talk on my behalf..Jason talked with her and told her yes he is granting it and that it would make it all better up to date! On Dec 8th, Jason calls to confirm this is whats going on I told him yes. On December 19th Miranda called me and said since December 20th was a Sunday to go ahead and pay it on that Monday which was 21st.

Today January 5th 2010, my daughter and I get a call saying that they never talked to us about an extension. If we don't pay this money, they are going to come get the car! This is so illegal. I don't know what to do. Jason is saying he does not have a supervisor, they keep sending me back and forth to each other changing their voices! Is there someone who can help me?

Now I have a mark against my credit at all three credit bureaus showing a repossession. Not only does this kill me with any bank, it is embarrassing! If I had missed a payment on this vehicle, I guarantee that Chase could pick up a phone and call me to get their money. But let a car owner know that they had their stolen car and make a little money, plus the car is still being paid for? A couple of the representatives were actually scolding me for the car being abandoned.

He went on to harass, belittle, and quite simply, reem me for missing 1 payment in 2 and a half years. He was too worried about who drives the car, where it's at, who is the insurance carrier, to listen to what was going on. He asked if I was getting unemployment and when I told him it hasn't been decided yet, he then insulted me further by saying that they can't grant an extension until I receive unemployment. I again questioned the fact that they won't grant an extension until I get some income; it makes no sense, because if I had an income ... I wouldn't need an extension.

We will be bailing from Chase Auto asap and I will spend the rest of my life telling everyone to stay away from this company. It would be nice for the government to see these complaints, and to what kind of company their bailout money went to.

I am so surprised on the way they are at Chase. It's like they train them to be rude and heartless to people that are in tough situations like myself. I wish I never purchased a truck with them. I really do.

Approximately in October 2009, Rachel, representative, began calling inquiring about my delinquent payment. I explained what had been told to me about a $970 payment. I was then told that there had been a mistake and the money applied to my account was money which should have been applied to a mortgage. The money was removed and applied to the mortgage note. I was told by a representative, Gloria ** (representative) and Marchetta ** (supervisor) that I should have set the money aside to which I replied since cancer co-payments for me are now $200 to $250 each time, not to mention the cost of medicine, etc., lost of my insurance company (which pulled out of Texas coverage) though I did eventually gain coverage with another, there was no set aside money.

Due to their rude manner, etc., I decided to return the car and informed them of this. They continued to harass me by phone and although I told them where the car would be located, they sent a man, Tommy ** (972/849-5956) to my home, whom I refused to open my door for. Since I am located in a senior gated community, I told Tommy the car would be located in Nacogdoches, TX with my granddaughter (who is in college there) at her apartment. When Gloria ** called about the location of the car, I also told her the exact location and told her I was unable to drive my granddaughter back to college therefore the car was with her; that she had cleaned the car out and was waiting for someone to pick it up. I asked them to let me know when the car was picked so that I could contact my insurance company and cancel.

The paper left on my door was titled "Order to Field Visit", date assigned 2009, 12/08; Client: Chase Auto Finance, 811 Rusk, Houston, TX 77002; Telephone 866/347-4960; Fax 713/216-0985; by Gloria **; lien holder, Chase Auto Finance; to Bankers Recovery Service, P. O Box 472013, Garland, TX 75047, Telephone, 972/270-3637, fax 972/270-2529. Borrower: Gwendolyn **, additional information: **; Year 2005; Make Dodge; Model Stratus 4; Vehicle Dealership: Mike Perry Cadillac GMC, Inc.; Tkey Codes: Additional Collateral; Monthly payments: $249.61; Balance on account: $8,225.25; delinquent since 2009-10-23; Amount past due $299.22.

I consider Chase's representative to have been rude, unprofessional bullies and feel that with this country (through taxes paid by the American public) having bailed them and other banks out with billions of dollars, the least their representatives could do is to be civil to customers. I no longer will maintain an account with Chase. I have had enough of this type of treatment. I plan to place my account with a Credit Union in the near future; I would never have been with this bank if they had not bought Washington Mutual.

I also told him no one had told me that. So fine, I postdated a check for Nov. 20, 2009 for $321 that included the late fee and the convenience charge. Well later the following weekend, I went grocery shopping. My debit card says insufficient funds. I had to leave all my groceries in line with my 3-year old son! That was very embarrassing to say the least! I went home and checked online my checking account. Guess what? Chase Auto Finance took out $292.09 on Nov. 19, 2009 from my checking account without my permission! Mind you, I had already set up a check for $321 which they also took out! So now my account was already paid for a payment that wasn't even due yet! I called them that night, but they were closed. So then I called them on Saturday morning on November 28, 2009.

They said they could do nothing except for me to fax the research department, which you cannot contact by phone or speak to anyone else. So I asked to speak to his supervisor/manager. He was very rude to me and told me that my auto loan was just as important as any other bill - even more important than feeding my family! I told him that my payment wasn't even due yet when they took that other payment out. I explained myself over and over again. He just repeated himself over and over again like a broken record. So I took the fax number, faxed them my bank statement and information they needed so they could see what happened.