About a year and a half ago I had a reduction in income and was able to work out payments with all other creditors except Chase Auto Finance. American Honda Finance was nice enough to waive one payment and place it at the end of the loan because I was a good customer and have never been behind before. Chase called after I was ten days late. I explained the situation I would be anywhere from 0 to 30 days late. They insisted on payment immediately. I told them I can't pay but not to worry I would not be anymore late than 30 days. My rep then began to ask my home address I complied. Then she said they have the right to recover their Collateral and that my car was not safe. She then asked me where I work. I stated nothing has changed since the application. She then said they have a right to their collateral. She then asked me the color make and model of the vehicle. I said you should have that already because I have your collateral, you made the loan on the car you should even have the VIN number. At that point I saw this is going nowhere... She then said in a calm voice so I will note the account that you were rude and uncooperative. I started to laugh and said you do what ever you want, come pick the car up if needed (to bad it goes from garage to garage five days a week), as stated I will continue to make payments just on time to 30 days late... At this point she tried to shout / talk over me and I just kept going wished her a good day as she started stammering sir... Sir... Sir... And click. They have tried to contact me via relatives. On my work, home, and cell phone I have a call block feature so it does not ring and dumps VM's. I can see if I go on-line Chase usually call a few times a day. I'll never borrow money from Chase, but American Honda Finance I will use again for sure. Cheers!
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