I took out a car loan with chase. I made my payments on time for two years. Everything was fine until the economy took a nose dive. I had no source of income my husband was layed off from his job. We have very little money comming in so I called and asked them if I could make weekly payments because It was easier for me to budget that way. They said that would be fine. My payment is 300$ I wanted to make payments of 100$ weekly, lets do the math 4 weeks x 100$ = 400$ monthly.
At first that was okay until one day I got a phone call and they said it wasnt okay and they will only deal with whole payments. So we make weekly payments until they said we couldnt anymore.in the meantime they were calling my family members harrassing them and telling them I owed money on my auto loan and didnt know how to get a hold of me - that was a lie because they were calling me harrassing me because I was a couple of days late on that months payment - a couple of days!
I didnt end up recieving any money for two weeks SO of course they called daily and told the person assigned to my case I would need to make the payment late but it would be made. Was threatened with repossesion for being a week late, next day someone different called and said that person was not my case manager and I again was threatened with repossesion, so after the daily calls, the daily threats they are inflexable unruly, ignorant, and most of all rude.
I became upset with them threatening repossesion and if I didnt tell them just what they wanted they would come get my vehicle. Sounds like black mail to me. So as it is now I am 19 days past due on my current months payment and they again are threatening repo. With the economy the way it is and everyone losing jobs left and right to threaten everyone that has lost a job seems counter productive.
They repo tons of vehicles, ruins everyones credit, there stuck with vehicles that no one can buy at auction, seems like everyone looses, so why not work with the owners who will take better care of them? Dealing with chase auto finance has been frightening, horrible, and aggrivating at best and I dont have words for what it has been like at its worst.
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