Chrysler Capital
Reviews and Complaints

My name and signature was put on a contract as co-signer, without my knowledge or permissions and even though it was proved to their attorney's it was not me. they garnished my wages.

Chrysler Financial hides their id (uses Kansas caller id), leaves the impression that the call has to do with an existing account, when it, in fact, is another annoying attempt at creating new business!
CLEARLY a case of mis-representation in order to skirt the "Do-Not-Call" laws!

paid off never recieved title. very arrogant surpervisor go to the dmv and wait for a replacement. asked to send me title said no way we will send you lein satisfied . bascially get lost chrysler customer of 18 years tough you get no title horrible experience.

I was hit with "return fee when myl ease ended even when I bought another Chrysler.When I tried to talkwith Chrysler they treated me like a "dumb girl" and told me to "pay my fee and suck it up."
I have a lawyer looking into this. I will never purchase another Chrysler product.

Don't ever use chrysler financial. They will screw you...

I posted a comment on 8/12. I ran into a man today that I have known for a while and he buys Dodge trucks all the time. Oil field rep. He buys 60, 000.0 dollar trucks. I said what you up to he said well fixin to go get another truck for one of my workers. After talking to him for about 10-20 minutes I told him of a little website he should go see first. You know what I am talking about. Shortly after he called me. He told me I am hedding towards the ford dealership to look at trucks. Six hours later I saw him at a Subway, can't help to notice the brand new Ford F-350 in the lot. If these Chrysler Financial employees would recognize that if you are rude and abusive to the people who pay your salary they will turn on you. I was treated like I was nothing. I hold a job. Sometimes it is hard to pay payments on time but that does not give these people the authority to make you feel like garbage. They probably were picked on as kids and they hate themselves so much THIS IS THE ONLY WAY TO GET TO PEOPLE. Well *** guess what you suck and until you guys starts showing a little respect I am going to tell everyone how horrible yall realy are. Thanks again. If you are a Chrysler Financial employee and you are reading this find a tree to hug.

I just filed a complaint with the FTC about Chrysler Financial and TD Auto Finance, I strongly encourage everyone to file one as well. I am skeptic that it will get immediate results but it will force TD Auto Finance to change their ways and prevent other people to go through this experience.

Chrysler is the worst. No wonder they are in trouble!

I couldn't agree with you more. They called my neighbors too so I reported them to the Attorney General in CT for violating the Fair Trades Practice ACT. They didn't do that again.

I called Chrysler to request a payoff amount for my car, I wanted to pay it off early, only to find out I was being charged penalties for making late payments. I explained to the csr I do not receive any statements telling when they are due so I make my payment within the first week of each month, still not knowing when it is actually due. Misty a supervisor in collections rudely kept repeating the fact that it is a courtesy that Chrysler sends out statements, I kept repeating to her courtesy or not I should still get them.

She then proceeds to say how come I never called to complain about the statements, to be honest I never did, but thats before I knew they where charging me penalties for not paying on time. I only found that out by chance just calling inquiring about my account, which I also feel I should get notified that I am being charged additional fees.

I feel as if they took advantage of the fact since I nerver called to complain about a statement, they can continue to charge penalties without having to notify me in advance.

stop complaining and do something about it look up what you can do go to www.dairobusch.com and see what is said about fraudlent loans and what you can do about it.

This actually happened to us as well sort of. We were receiving statements for 2 years of our 7 yr loan and they just stopped sending them. I called several times to have one sent and nothing, so I had to pay over the phone at what started out as 7.00 then went to 9.00 and is now up to 12.00+. I see now why they never would send me a statement. They are collecting big fees by making you call.
I too tried to get my payment date changed to only 4 days later to fall within the payperiod and the refused.
They just called me after 7 years on my loan and informed me that I was 13 days late with 900.00+ . I informed her I had just sent a payment. And she agreed and informed me it was my last payment on our 7 yr loan, but that we had 900.00 on principal due and now overdue by 13 days.
? I was furious. She then informed me that they do not send any notices informing you and that we would not know that it was due or how much was due. That it was outlined in our contract that we signed 7 years ago. WTF? How would I know that 7 yrs later and HOW would I know how much if you don't tell me? So we are paying it on Fri and we are done. NEVER again will I deal with them. EVER. I hope they go bankrupt. The truck we bought from them is a piece of crap anyway. My Dad bought a Ram from them as well and his is just a big piece of crap too!

Employees are trained to belittle customers -- its a black or white situation, there is no gray. You have a vehicle and you can pay for it, or you will endure grief from kids with GED's about your status. And then they wonder why losses are coming out their ears. The leadership is seriously flawed, and it probably extends all the way to Cerberus.

I for the past 2 years have a vehicle financed by Chrysler Capital. I have never had so many issues. This is my 8th car that I have leased but first with this lender. They are terrible. I have never made a late payment and I as well kept on receiving phone calls and am advisal of repoing my car even when the payment was withdrawn from my account 3 weeks prior. This is ridiculous. I used to pay by check but had to stop because per Chrysler they were never receiving them so I started to pay online
About 6 months ago the website would not allow me to makey payment since it kept in saying my account is invalid. So I decided to call to pay and update about the issue. They advised me that I don't know how to pay and they need to teach me how. I am still having this issue and now o can't even sign on because now my password is invalid. Still calling to get this resolved and no I guess it's to difficult. Now getting charged for a phone payment even though that is the only way I can pay because of their website difficulties and getting told that I am doing something wrong trying to sign in. So I asked the representative to reset my password no luck can't get that simple issue resolved. This is getting agrivating since I am a customer with a perfect payment record and a simple request to fix like the website is to difficult to resolve. I don't have a clue what good is the representative even being their if I personally ask and still nothing

I have had the unfortunate luck to be a Chrysler Financial customer twice. I purchased a Dodge Intrepid as my second car and that's when my problems with CF started. I immediately tried set up a auto payment which consisted of me sending in a void'd check and a signed letter that if I remember correctly took them 2 months to send me. Then it took 2 more months a 2 late payments to act upon the auto payment. I even called them to make sure that the auto pay was in affect and they called me 5 days after my bill was due and I told them that I was on auto payment, the person on the phone did not see it and I ended up having to make a late payment over the phone. Several days later I called and wrote the persons name down after they verified that my next bill would be taken out automatically. A month later... another call... another late payment, I gave them the name and they said they would follow up on it and I never heard anything back.

After about a 6 months of auto payments I got a call telling me that my payment was late, I told them I had auto payment and CF told me that it was not on my record and that I had to reset my online account because they lost some data. I ended up getting the late fee removed for that month and paid my bill online, however I told them to set me up with auto payment so I didn't have to do that again. After 2 years and 5 attempts I could never get auto payment set up again. I had to make a monthly ritual to call CF and confirm if auto payment was instated then find out they had no record of it. I even confirmed every time that they received my check and signed letter and got the (it will take a month to be instated) only to call back in a month and find out there was no record of it. Total cluster.

CF's online site gave me numerous headaches in the 2 years I had to use it because my bank at the time didn't have bill pay. On several occations I got late fee calls and luckily I save the payment confirmations. So several times I would get harassment calls at work only to spend 30 minutes on the phone with a CF rep as they tracked down my payment.

Eventually I saved up enough money to pay off my car and finally end my horrible experience with Chrysler Financial.

A year later my Intrepid died and I bought a Jeep Wrangler. My only pre-requisite was that it NOT be financed through Chrysler Financial or I would not purchase the vehicle. I was able to get a good rate only to have my car payment purchased/change hands with non other than Chrysler Financial a few months after I purchased.

So far here is my updated experience:

I use Chase bill pay and I need to make my Jeep payment 5 days early because Chase sends the check out, it takes 2 days for CF to recieve the check then 2 more days to process. I unfortunately set my bill pay to pay my Jeep payment 3 days before it was due and I ended up getting phone calls for late payment on my due date when I have a delivery receipt of the check sitting in front of me and CF is obviously taking too long to process the payment and sending the phone system after me.

After I set up to have my payment sent 5 days before it was due, I unfortunately called up CF and told them I was going to start paying more in order to bring down my principle. I have been paying $100 over every month for the last 6 months, I get about 2 calls every other month from CF telling me I have a late payment of $30, only for the person on the other end of the phone to immediately realize that there was a mistake and that I don't owe anything. I told them on multiple occasions that I do not appreciate calls to let me know I am over paying my balance. However today I got 4 calls one after another and the first 3 hung up on me after it put me on hold for 30+seconds. The 4th time I got connected to a CF collections person telling me I owe #$130. I told them that this was harassment and that I didn't owe anything only to realize that my bank had an error and that it took them an extra 2 days to send my payment however that CF recieved my payment the day before. I told the person on the phone and they said I needed to make the $130 payment, I told them that I had confirmation that my bank sent me a delievery reciept and it should be at their office and just hasn't been processed yet. The girl on the phone didn't really know what I was talking about and thought that the check was in the mail or something. I then inquired about the $130 since my payment is 4 times that and she told me that it was due to the fact that my over payments are not going into my principle but instead are being added to a credit for my car payments.

I should have realized that the company that; couldn't get auto payment setup after 5 attempts, that incessantly calls and harasses me the day the bill is due when I have a confirmation that they received payment already, has a horrible website that has been taken down several times and prevents payments from being made, has data loss issues that results in me having to reinstate my online account on 2 occasions, messed up and hasn't been applying my overpayment to my principle after I called/confirmed this to be done on 2 occasions.

So I am making arrangements to once again pay off my Jeep this week. Taking $13k out of my savings is nothing compared to the trauma of having to deal with CF on a monthly basis. Chrysler Financial is honestly the worst company I have ever dealt with.

The fact of all of this, no one is shrugging their financial responsibilities but Chrysler abuses you to the point that you don't want to talk to them. It is very abusive. Even to my underage daughter. This is completely uncalled for. People have hard times and try to work things out. Chrysler won't let you. This will come back to haunt them for bad business. I tell everyone I know not to deal with Chrysler. Abuse is illegal and they do push it. I think I would rather be slapped than to talk to one of their collectors.

I surely wished i had read this site before I turned my vehicle in. After listening to Angela Jones and Steven Lewis rant and rave at me - I really took it personal and thought I have no option but to turn it back in to the dealer. I have been with chrysler financial for my last 4 vehicles- never late until my husband took sick last year since he was out of work for a month I did my best funny how the mortgage company and all my other creditors worked with me with deferments But no help what so ever from Miss Jones or Mr lewis. Yes i was late ( 2 weeks late) for the next 5 months But even though it was 10 days late i always included the $50.00 late fee. If they didnt want to honor this then why did they wait for 6 months to tell me. I would think the payment along with a $50.00 late fee was better then what you are getting now from me.
They send me a defiency for $9500.00 due in 10 days right after they autioned it off. Right what ever... If they had just excepted the payments late for alittle while longer then my lease would have been paid off Feb 2010. But no! had to threaten me with repo. Hope miss jones & mr lewis get what coming to them " what goes around comes around"...

Mica, I think your missing the predominate theme here. The discussion is with CF's abusive collection practices.

I don't think anyone hass argued communication with the creditors is key. And I've read nothing to hint that anyone is disillusioned that a cease request or class action will somehow absolve them of debt but it does hold CF accountable to adhering to fair collection practices.

To your second point on repossession, creditors have strict requirements concerning repossesion they must adhere to. If any rules are violated, the creditor may lose other rights against the debtor, or even be required to pay damages. Check your local laws because they differ by state and although many states provide for what is refered to as self-help repossession (not requiring court proceedings), none allow for immediate repossession. What constitutes default will be stated in your contract.

I do have to agree with you on communication with your creditor, even those who push the limits of the law, are still in your best interest. This should not be read to say consumers should allow abuse despite their circumstances.

The CF reps can attempt to defend and dismiss in this forum but that fact is that CF's collection practices are why Fair Debt Collection Practices Act, [15 USC 1692c] exists and most states have adopted similar debt collection statues concerning prohibited practices. The FTC (Bureau of Consumer Protection) offers a complaint form dedicated to these practices.

Folks, be finacialy responsible and when life happens, attempt to make reasonable arrangements with your creditors and know your rights. The Fair Debt Collection Practices Act, [15 USC 1692c] Section 805(c): CEASING COMMUNICATION can help you stop harrassing phone calls. Also check your state statutes. CF cannot call your employer or neighbor for anything more than to verify employment or address or threaten you. Log or record your calls even before you experience problems with a creditor...

Factoid: CF has had class action suit brought against them for these very practices in the recent past.

Chrysler Financial Sucks! Been paying multiple payments of 500 or more at a time and the [censored] still bother me on a daily basis. I, like a lot of the Big 3 workers have been out of work. You Chrysler Financial supporters should understand of all people that you cant give someone something when you dont have it. Remember [censored]...we (The Public) own stake in you. (Remember that whole bailout thing) I so realize it is my Debt and I am settling it.

Middleground, just SHUT UP... You say stop wasting time posting blogs blah blah blah, so why in the hell are you on here posting one? You sound just like one of those CF punks... You must work for them? Thats one of the lines they use. "If you can retain a lawyer then you can make your car payment. HELLO, If I don't make the payment I can afford a lawyer. I believe in paying for things I owe, but that is beyond the point. Yes, there is a reason for the calls. Now who doesn't know that. What you all CF employees's don't realize is that there is a way to negotiate and work out a plan to get the customer back on track (without being an ###). You all act like you, re god's gift to perfect credit and like you've never been in a bind before, and like you're better than the person on the other line. ... Gimmie a break. Even when you do call to tell them your gonna be a day late or so, they are still rude and demand payment. Why would you wanna accept calls or even make a call to CF if nothing is going to get accomplished and they ruein your day with bad attitudes. It's just a waist of time. You all just make me sick! Get a real job and enjoy being able to make someone else's day. For example. CF, this is Tim Bow, how may I help you? Yes, Sir my name is John Doe, and I was calling in reference to acct #-------------. I have had some financial difficulty this month and I will be late on my car payment. (Tim) Well, Mr. Doe, I'm sorry to hear that. I will be glad to assist you in any way I can. Can you give me a date that you can have the payment here by? (John) Yes, sir. I can have it to you on 0/00/00. (Tim) Great. Now Mr. Doe, if something comes up in between that time and you're unable to make that payment for some reason call me back at ext 0000, and I will be glad to help you come up with a plan to help get you back on track. (John)I will, thank you so much. (Tim) No, thank you. We greatly appreciate you buisness here at Chrysler, and appreciate you calling to inform us about your late payment. You are a valued customer have a good day. (John)Thanks, you too.

Stop wasting time posting blogs and take responsibility for yourself. If someone gave you money for something, would you want it back? This "harassment" blather is recycled and boring. There is a reason for the calls. You say "I'll get an attorney.." but haven't read your contract. nor know anything about contractual law. How can you retain one if you cannot even pay your bills? You would rather count calls and continue avoiding responsibility.

CF did an illegal repo of my truck while I was under Chapt. 7 protection. Our lawyers had to pay for our rental for 3 weeks before CF and their lawyers agreed to settle. As the ball was in their court because my wife had the only job in the house and her employer was about to fire her due to her picking our kids up from school without a lunch break. If we had the time/resources we would have taken CF to Civil court for the Maximum in our state $1mil. I have yet to see my truck 72 hours after the settlement. I hope they one day feel the pain and suffering I do. When we get back on our feet we will sue for the max amount. P.S. CF Lawyers are idiots!

I am getting close to file a law suit against Chrysler and the Financial company. I purchased a 50k charger in 2005 and had no problems with them until the end of 2009. In matter of fact I would send extra cash to lower principal, by my calculations I was 10 months ahead on my loan. However when I lost my job and my wife fell ill with cancer, taking care of my wife was far mor important than paying my car. Then the calls started up to 20 times a day. They would call my home, my cell phone, my in-laws, my parents and even my part time job that I ended loosing because of personal calls. I tried to reason with them and inform them tha I was not wanting to pay, but if they gave me extensions until my Unemployment would come in I would pay them. However I asked them to stop the late fees seeing that I was ahead on the payment schedule, Mr.Toll actually laughed and asked me if I was slow. I threatened to sue him on emotianl distress he said he didn't care. This cat and mouse game continued until the end of 2010. I had sent them a letter demanding cease from calling, they claimed they never recieved it. I finally got tired of dealing with them, I was having insomnia, my BP had increased that I decided to get rid of the car. Two weeks ago I was in the bank when my friend's bank called Chrysler Financial and informing them that the car was sold and they would recieve payoff amount of 7600. Two day's ago, a tow truck showed up at my in laws and a note was left at my door, threatining me that if I hid the car Chrysler Financial would take legal actions and to top it off the calls have not stopped. I spoke to a lawyer and he informed me that no class auction law suit was filed, but that was the best way to get to CF. I'm down for a lawsuit. dave-silva@sbcglobal.net

You too!

OMG! i cannot take the harassing and bullying anymore from them! It;s a disgrace. And the reps are down right rude and they try to put you down as a person!

Email me! joshuabadat@hotmail.com

I would love to join a class action law suit against chrysler financial. They have constantly harassed me at every number possible. Just 1 or 2 days past the due date they start to call and demanded that I make a payment and told me that if I didn't set it up right there and then they were coming to take my car away. This is the worst company in the world to deal with. Its unfortunate because I love the jeeps but they re company I cant deal with. I hope they go bankrupt and fire all the rude people they have representing their company. Obviously its the way they teach their employees to be because its not just me or one other person complaining about these harassing calls its a lot of people who have the same complaint from different representatives.

Please contact me if you or anyone you know would like to get this going.

igotit4cheap55@gmail.com

Chrysler contacted me on [protected] by telephone inquiring about my neighbor who is late on his car payments due to a reduction in his pay from the recession we are in. They are attempting to repossess his vehicle. They called wanting to know if I knew him etc... This is a horrible invasion of his privacy; I don't have a debt with them and they should not call me unless I was a co-signer. They have also trespassed on my private property in attempt to conduct surveillance on my neighbor and left trash and debris in my yard.

The unfortunate part of this is after this happened we spoke to the neighbor who has been attempting to secure a second mortgage and pay off the vehicle and he has told them as much.

I wouldn't buy a Chrysler even if it meant I had to walk or ride a bike everywhere.

I leased a car and returned it in April... not knowing and not being told by the car salesman, that there would be a return fee of $425! I received a bill from them with an additional 'Service Fee' of $35!

I refuse to pay them and since then, they keep calling me. They even called my job once - and it better be the last time.

Oh yeah! and if you ask for a supervisor they HAVE to connect you...at least that's what I heard

Wow...you put theat whole thing in there? man...

"Fun Facts"
Did you people know that a cosigner is on the loan and just as responsible?

If you are one day late you are in collections

If a delarship tells you you can re-fi in 6 months they are lying to get you in a car.

Your interest rate is based off your credit and Chrysler or any other company has nothing to do with it.

Collection reps can call up to 9 times a day if you do not answer. That's right 9...any more than that is violation of fdcpa

It is perfectly legal to skip trace relatives and neighbors and call them BUT they are FORBIDDEN to talk about any nature of your delinquent account.

Working with you is an option but not a garantee.

If you request for assistance there is a chance of denial

Voluntary surrenders are the same as repos. it hits your credit the same.

If your car is charged off they may garnish your wages

Sometimes "grace periods" dont exsist depending on whats on your contract.

PLEASE don't take "grace periods the wrong way. It's where you are charged a late fee...not i can make my payment 10 days late and not get calls. late is late.

FYI I am financed through Chrysler financial. Though I have never been late these are just some facts you should know. that's all. carryon with the complaining.

before you send anything like this find out what what is involved and what the consequences are, look at the following web site www.dairobusch.com and get all the correct information . legal information is not the same as legal advise . everyone is responsable for their own actions. if you want to be free of all fraudlent loans and collectors check this out. become a free man or woman.

LAWFUL NOTICE AND OFFER TO CLAIMANT AND/OR ASSIGNS TO SEIZE ANY AND ALL FORECLOSURE AND/OR COLLECTION ACTIVITY (SWORN DENIAL/AFFIDAVIT)
Dated this 1st day of june, 2009

To: chrysler financial(Claimant)
c/o president & vice president of finance
p.o box 9223, farmington hills, MI

From: your name (Affiant)
De Jure Soli, Sanguinis, Coronea
c/o 65 PINE AVE SUITE 138
LONG BEACH, CALIFORNIA, by [90802] )
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) RE: chrysler financial: (account #)

OFFER TO FULLY PAY/DISCHARGE
ACCOMPANYING / ATTACHED BILL/CLAIM
ON CONDITION THAT CLAIMANT COMPLY
WITHIN 5 DAYS OF RECEIPT OF THIS DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT AND VALIDATION THAT PURPORTED DEBT DOES NOT CONSTITUTE FRAUD

SWORN DENIAL
1. I (your name) swear that I deny that CHRYSLER FINANCIAL auto loan # is my debt and if it is my debt I deny that it is still a valid debt and if it is a valid debt I deny the amount sued for or stated or attempted to be collected is the correct amount.
OFFER AND DEMANDS
1. Pursuant to the Fair Debt Collection Practices Act. 15 U.S.C. §§ 1601, 1692 et seq, this constitutes timely written notice that I decline to pay the attached/above referenced erroneous purported debt which is unsigned and unattested, and which I discharge and cancel in its entirety, without dishonor, on the grounds of but not limited to:
1) Breach
2) False representation
3) Fraud.
2. If claimant will
1) Mark the subject erroneous purported debt “Satisfied” and “Paid in Full” on the county Records Books; and
2) Refund each and every monthly payment (principal and interest) which we may have inadvertently made toward said fraudulent purported debt; and
3) Return my original blue ink signature affixed upon the original documents that may exist pertaining to the subject erroneous purported debt, I might consider NOT filing charges of Fraud with the Securities and Exchange Commission and the Court under violation of, but not limited to, the Truth in Lending Act and Bank Regulation “Z”, The Constitution, The UCC, and the law, which mandate that we must (by law) sue the claimant for Three Times the of damages (3 times the purported debt amount). Failure to comply leads to charges being filed.
3. This constitutes a good faith offer to FULLY PAY/DISCHARGE PURPORTED DEBT ON CONDITION THAT CLAIMANT COMPLY WITHIN 5 DAYS OF RECEIPT OF THIS OFFER AND DEMAND TO VERIFY PURPORORTED DEBT AND THAT PURPRTDED DEBT DOES NOT CONSTITUTE FRAUD.
STATEMENT OF FACTS AND SWORN AFFIDAVIT OF TRUTH
1. All statements and case law is based upon and in full accordance with According to the law, the U.S. Constitution, Federal Reserve publications, and Economics, common sense, Finance college texts, and to Generally Accepted Accounting Principles (GAAP) and the Matching Principle.
2. 15 U.S.C. § 1692 (e) states that a “false, deceptive, and misleading representation, in connection with the collection of any debt”, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that cannot legally be taken a deceptive practice. Such notice omits information which should have been disclosed, such as but not limited to vital citations, disclosing the agency's jurisdictional and statutory authority. Said notice further contains, false deceptive and misleading representations, and allegations intended to intentionally pervert the truth for the purpose of inducing one, in reliance upon such, to part with property belonging to them and to surrender certain substantive legal and statutory rights. To act upon this Notice would divest one from his/her property and their prerogative rights, resulting in legal injury.
3. Pursuant to 15 U.S.C. § 1692 (g) (4) Validation of Debts, if you have evidence to validate your claims that the attached presentment / purported debt does not constitute fraud and/or fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such validation and supporting legal evidence to substantiate your claims. Until all the requirements of the Fair Debt Collection Practices Act and of this Legal Document and demands have been met and your claims are validated in fact, case law, and evidence, you have no legal jurisdiction to continue any type of collection activities. You must obey the law. This is constructive notice that, absent the validation of Claimant's claims and response within 30 days, Claimant must cease and desist any and all collection activity and is prohibited from contacting Affiant, through the mail, by telephone, in person, at Affiant's home, in public, or at Affiant's work. You are further prohibited from contacting Affiant's employer, Affiant's bank, or any other third party. Each and every attempted contact, in violation of this Act, will constitute harassment and defamation of character and will subject your company/agency and/or board, and any and all agents in his/her/their individual capacities, who take part in such harassment, and defamation, for a liability for actual damages, as well as statutory damages of up to $100, 000 for each and every violation, and further liability for legal fees to be paid to any counsel Affiant may retain and/or hire. Further, absent such validation of Claimant's claim, Claimant is prohibited by law to from filing any notice of lien and/or levy and are also barred from reporting any derogatory credit information to any Credit Reporting Agency, and continuing with collections activities (and foreclosure), regarding this disputed purported debt.
1. Further, pursuant to Fair Debt Collection Act, 15 U.S.C. § 1692 (g) (8), as you are merely an “agency”, or board, acting on someone else's behalf, this is a demand that you provide the name of the original “principal”, or “holder in due course”, for whom you attempting to collect this alleged debt. If the Claimant or anyone disagrees with anything in this OFFER TO FULLY PAY/DISCHARGE ACCOMPANYING/ATTACHED BILL/CLAIM ON CONDITION THAT CLAIMANT COMPLY WITHIN 5 DAYS OF RECEIPT OF THIS DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT AND VALIDATION THAT PURPORTED DEBT DOES NOT CONSTITUTE FRAUD and contained herein, then consider this as lawful notification pursuant to the federal Constitution, specifically, the Bill of Rights, in particular, the First, Fourth, Fifth, Sixth, Seventh, Ninth and Tenth Amendments, and pursuant to your oath, and requires your written response to me specific to the subject matter. Your failure to respond, as stipulated, and rebut that with which you disagree, in writing, with particularity, to me, within 5 days of the date of this OFFER TO FULLY PAY/DISCHARGE ACCOMPANYING/ATTACHED BILL/CLAIM ON CONDITION THAT CLAIMANT COMPLY WITHIN 5 DAYS OF RECEIPT OF THIS DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT AND VALIDATION THAT PURPORTED DEBT DOES NOT CONSTITUTE FRAUD, and support your disagreement with fact, evidence and Constitutionally based law and case law.
2. Affiant has now twice made good faith Offer to Claimant to resolve the question of this alleged purported debt and now demands for Claimant to prove that Affiant is wrong by signing the enclosed Affidavit, rebutting Affiant's lawful statements and standing and returning said Affidavit to Affiant so that Claimant and Affiant can resolve this private matter privately. Claimant is to respond to all requests and questions and may place a red line across any incorrect statements.
3. This is not a refusal to pay a lawful debt, but Affiant is disputing the validity of the alleged debt referenced by Claimant and DISPUTING THAT PURPORTED DEBT DOES NOT CONSTITUTE FRAUD.
4. “money” is an asset and an asset is “money” or at least the equivalent of “money”, and that Federal Reserve Notes are assets, and “checkbook money” or “demand deposits” are liabilities of a financial institution and therefore the opposite of money.
5. When a bank or a financial institution accepts cash, checks, negotiable instruments, promissory notes, etc… from a customer and deposits and records the instruments as an asset, there is an offsetting liability that matches the asset they accepted from the customer. The liability shows they, the bank or financial institution, owe the customer the money they accepted from the customer. From the Federal Reserve Banks own publications, it is concluded that two loans were exchanged according to the bookkeeping entries. 12 United States Code, Sec. 1831n (a) requires all Federally-insured (FDIC) banks to follow GAAP.
6. “Neither as included in its powers nor incidental to them is it a part of a bank’s business to lend its credit.” Credit is the opposite of money and is a liability. “Indeed, lending credit is the exact opposite of lending money, which is the real business of a bank; for while the latter creates a liability in favor of the bank, the former gives rise to a liability of the bank to another.” 1 Morse, Banks & Banking (5th ed.) Sec. 65; Magee, Banks & Banking (3rd ed.) sec. 248; 1 Michie, Banks & Banking Sec. 99. American Express Company vs Citizens State Bank, 181 Wis. 172; 194 N.W. 427.
7. “Promissory note” means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds. FLORIDA STATUTES, CHAPTER 679, UNIFORM COMMERCIAL CODE: SECURED TRANSACTIONS, ARTICLE 9. 679.1021 Definitions and index of definitions.
8. Banks cannot lend depositors’ money to borrowers without the depositors’ written authorization. In reality, banks do not lend their depositors’ money. 12 USC Sec. 1828.
9. “No bank ever lends its deposits” Money and Banking by Professor David R, Kamerschen, 9th Edition, page 164.
10. “Transaction deposits are the modern counterpart of bank notes. It was a small step from printing notes to making book entries crediting deposits of borrowers, which the borrowers in turn could “spend” by writing checks, thereby “printing” their own money. Modern Money Mechanics – Federal Reserve Bank of Chicago, page 3, “Who Creates Money”.
11. Banks do not make loans but they make exchanges when they allegedly make loans. “In exchange for the note or security, the lending or investing institution credits the depositor’s account or gives a check that can be deposited at yet another depository institution.” Two Faces of Debt, published by the Federal Reserve Bank of Chicago, p19.
12. a check is “A commercial device intended for use as a temporary expedient for actual Money”. Kennedy v. Jones 140 Ga. 302: 78 S.E. 1069, 1070.
13. Affiant has not been able to discover, despite extensive research, that banks lend their assets. However, Affiant has discovered through research that Banks deposit the Borrower’s promissory note as an asset then writes a bank check against said deposited asset and gives it to the Borrower as a loan without disclosure to the Borrower that the Borrower is depositing the promissory note and the Bank returns the same as a loan and charging the alleged borrower interest to boot. Money and Banking by David H. Friedman, American Bankers Association, page 86.
14. The bank used the promissory note to fund the account the check was drawn from and did not put up lawful consideration. Therefore, the contract is .Ultra Vires”.
15. All money in use today is “an obligation to pay”, for example, Federal Reserve Notes, and Negotiable instruments including Checks, CDs, Drafts, and Notes (promissory notes). 18 USC Sec. 8.
16. A borrower’s promissory note or “obligation to pay” is the cash value that funds the lender’s loan check to or on behalf of the borrower, without disclosure to the borrower. Money and Banking by David H. Friedman, American Bankers Association, page 86.
17. As a matter of equity, both the borrower and the lender have equal protection under the Law with regard to a mortgage loan agreement as the one referenced herein.
18. As a matter of equity, “the one who provides the money or cash value to fund the loan check, in a loan transaction, is the one who must be repaid the loan money.
19. The financial institution that issues a loan check, or equivalent monetary instrument, must follow generally accepted accounting principles (GAAP) and Federal Reserve Bank rules, regulations, policies and procedures. 12 United States Code, Sec. 1831n (a) requires all Federally-insured (FDIC) banks to follow GAAP.
20. No financial institution can demand payment in any particular kind of currency, and that a borrower has the right to repay a loan in the same specie of currency used as a deposit to fund a loan check from a financial institution/alleged lender. House Joint Resolution 192 of June 5th, 1933 A.D.
21. The corporate charter of a financial institution does not permit such institution to create money or lend its credit.
22. Affiant makes claim against Claimant that Claimant failed to disclose to Affiant the true nature of the purported debt and the fact that Affiant provided (Affiant's future labor) the cash value created by Affiant's signature in the form of a “ promissory note”, to fund any alleged loan check from said financial institution to or on behalf of Affiant. Said non-disclosure voided Affiant's signature on any mortgage loan agreement, ab initio.
23. the word “Loan” means “advance of money with an absolute promise to repay”. Bankers Mortgage Company v. Commissioner of Internal Revenue, 142 F. 2d 130, 131.
24. Affiant makes claim against Claimant that Claimant financial institution did not lend Affiant its money or its equivalent or other depositors’ money/funds as Affiant was induced to believe by the above named financial institution and provided Affiant no consideration by failure to perform on the value of the contract or agreement between Affiant and Claimant.
25. Affiant makes claim against Claimant that Claimant violated the Truth in Lending Act by failing to disclose that Affiant provided the cash value to fund the financial institution’s alleged loan check to Affiant.
26. Affiant makes claim against Claimant that Claimant breached any original purported mortgage loan agreement/contract through misrepresentation, lack of disclosure, and lack of consideration by failure to perform on the value of the purported mortgage loan agreement/contract.
27. Affiant makes claim against Claimant that Claimant does not possess Affiant's original, unmarked, unaltered Promissory Note.
28. Affiant makes claims against Claimant that for Claimant to collect on a Promissory Note, Claimant must possess the original, unmarked, unaltered Promissory Note. Matter of Staff Mortg. & Inv. Corp. 550 F. 2d 1228.
29. Affiant states that the copy of a thing cannot be the thing, no matter how cleverly it is worded or stated.
30. Affiant States that Money “In usual and ordinary acceptation it means gold, silver, or paper money used as circulating medium of exchange, and does not embrace notes, bonds, evidences of debt, or other personal or real estate. Lane v. Railey, 133 S.W. 2d, 74, 79, 81.
31. “No State shall make any other thing than Gold or Silver coin a tender in payment of debt”, thus, establishing the true nature of lawful money.
32. Affiant demands a T-accounting of all funds going in and out of the above numbered account starting with the original promissory note.
33. Any response from an attorney in his public capacity will be a public Offer that will be accepted for value with a demand on said attorney for release of said value to Affiant.
34. Any response from an attorney in his private capacity will be a trespass in a private matter and will be dealt with accordingly by the law.

AFFIANT'S QUESTIONS FOR CLAIMANT TO RESPOND AS STIPULATED BY LAW
Write the answers and return on a separate document together with Affidavit (below)
1. Did the bank loan gold or silver to the alleged borrower?
2. Did the bank loan credit to the alleged borrower?
3. Did the borrower sign any agreement with the bank, which prevents the borrower from repaying the bank in credit?
4. Is it true that your bank creates check book money when the bank grants loans, simply by adding deposit dollars to accounts on the bank’s books, in exchange, for the borrower’s mortgage note?
5. Has your bank, at any time, used the borrower’s mortgage note, “promise to pay”, as a deposit on the bank’s books from which to issue bank checks to the borrower?
6. At the time of the loan to the alleged borrower, was there one dollar of Federal Reserve Bank Notes in the bank’s possession for every dollar owed in Savings Accounts, Certificates of Deposits and check Accounts (Demand Deposit Accounts) for every dollar of the loan?
7. According to the bank’s policy, is a promise to pay money the equivalent of money?
8. Does the bank have a policy to prevent the borrower from discharging the mortgage note in “like kind funds” which the bank deposited from which to issue the check?
9. Does the bank have a policy of violating the Deceptive Trade Practices Act?
10. When the bank loan officer talks to the borrower, does the bank inform the borrower that the bank uses the borrowers mortgage note to create the very money the bank loans out to the borrower?
11. Does the bank have a policy to show the same money in two separate places at the same time?
12. Does the bank claim to loan out money or credit from savings and certificates of deposits while never reducing the amount of money or credit from savings accounts or certificates of deposits, which customers can withdraw from?
13. Using the banking practice in place at the time the loan was made, is it theoretically possible for the bank to have loaned out a percentage of the Savings Accounts and Certificates of Deposits?
14. If the answer is “no” to question #13, explain why the answer is no.
15. In regards to question #13, at the time the loan was made, were there enough Federal Reserve Bank Notes on hand at the bank to match the figures represented by every Savings Account and Certificate of Deposit and checking Account (Demand Deposit Account)?
16. Does the bank have to obey, the laws concerning, Commercial Paper; Commercial Transactions, Commercial Instruments, and Negotiable Instruments?
17. Did the bank lend the borrower the bank’s assets, or the bank’s liabilities?
18. What is the complete name of the banking entity, which employs you, and in what jurisdiction is the bank chartered?
19. What is the bank’s definition of “Loan Credit”?
20. Did the bank use the borrowers assumed mortgage note to create new bank money, which did not exist before the assumed mortgage note was signed?
21. Did the bank take money from any Demand Deposit Account (DDA), Savings Account (SA), or a Certificate of Deposit (CD), or any combination of any DDA, SA or CD, and loan this money to the borrower?
22. Did the bank replace the money or credit, which it loaned to the borrower with the borrower’s assumed mortgage note?
23. Did the bank take a bank asset called money, or the credit used as collateral for customers’ bank deposits, to loan this money to the borrower, and/or did the bank use the borrower’s note to replace the asset it loaned to the borrower?
24. Did the money or credit, which the bank claims to have loaned to the borrower, come from deposits of money or credit made by the bank’s customers, excluding the borrower’s assumed mortgage note?
25. Considering the balance sheet entries of the bank’s loan of money or credit to the borrower, did the bank directly decrease the customer deposit accounts (i.e. DDA, SA, and CD) for the amount of the loan?
26. Describe the bookkeeping entries referred to in question #13.
27. Did the bank’s bookkeeping entries to record the loan and the borrower’s assumed mortgage note ever, at any time, directly decrease the amount of money or credit from any specific bank customer’s deposit account?
28. Does the bank have a policy or practice to work in cooperation with other banks or financial institutions use borrower’s mortgage note as collateral to create an offsetting amount of new bank money or credit or check book money or DDA generally to equal the amount of the alleged loan?
29. Regarding the borrowers assumed mortgage loan, give the name of the account which was debited to record the mortgage.
30. Regarding the bookkeeping entry referred to in Interrogatory #17 state the name and purpose of the account, which was credited.
31. When the borrower’s assumed mortgage note was debited as a bookkeeping entry, was the offsetting entry a credit account?
32. Regarding the initial bookkeeping entry to record the borrower’s assumed mortgage note and the assumed loan to the borrower, was the bookkeeping entry credited for the money loaned to the borrower, and was this credit offset by a debit to record the borrower’s assumed mortgage note?
33. Does the bank currently or has it ever at anytime used the borrower’s assumed mortgage note as money to cover the bank’s liabilities referred to above, i.e. DDA, SA and CD?
34. When the assumed loan was made to the borrower, did the bank have every DDA, SA, and CD backed up by Federal Reserve Bank Notes on hand at the bank?
35. Does the bank have an established policy and practice to emit bills of credit which it creates upon its books at the time of making a loan agreement and issuing money or so-called money of credit, to its borrowers?

NOTICE TO RESPOND, TO REBUT, AND TO COPMPLY WITH AFFIANT'S DEMANDS
1. Affiant is granting Claimant ten (10) days to dispute Affiant's claims made in this document by signing the enclosed Affidavit, rebutting Affiant's lawful statements and responding (in writing) to Affiant via certified mail, thereby showing that Affiant is in error with regard to Claimant's claims. Claimant's failure to timely dispute Affiant's claims by signing and returning the enclosed Affidavit and rebutting Affiant's statements WITHIN 30 DAYS will place Claimant in Fault, and such Fault will be Claimant's agreement to the claims made above by Affiant, and Claimant's absolute and unequivocal waiver of any and all claims against Affiant and to a full discharge of the purported debt referenced by Claimant and allegedly owed by Affiant. Claimant's Fault will be further agreement that Claimant will cease and desist from any attempt at collecting this alleged debt and Claimant's tacit agreement and stipulation that Claimant will not turn over this debt to a debt collector for collections or for foreclosure action.
2. Should Claimant refuse to sign the enclosed Affidavit, rebut Affiant's statements, and proceeds to turn the subject account allegedly owed by Affiant to a debt collector for collections or foreclosure actions, Claimant agrees to compensate Affiant three times the amount of the original purported debt plus all interest paid to date as well as for damages and all expenses and fees for collection. Any attempt by Claimant in Fault to contact Affiant by phone, or by letter, should only be for the purpose of informing Affiant that the purported debt is fully discharged or that a private meeting to resolve this private matter is in order. Claimant knows or should know that sending unsubstantiated demands for payment thorough the United States mail system may be considered as mail fraud under federal and state laws. Respondent may wish to seek legal advice before contacting Affiant again. “Deceitful statements of half-truths or the concealment of material facts is actual fraud under the mail fraud statutes.” United States v. Beecroft, 608 F. 2d 753, 757. (9th Cir. 1979)
3. If Claimant should fail to rebut Affiant's lawful statements and/or sign and return the enclosed Affidavit to Affiant, and Claimant makes any unverified adverse reporting to any Credit Bureau with regards to Affiant's Credit rating, Affiant will seek damages for the times the amount of the purported debt amount against Claimant in addition to reporting Claimant to the State Banking Commissioner, the FDIC, and the Federal Trade Commission for illegal trade practices. Again, Affiant demands a T-accounting of all funds going in and out of the above numbered account starting with the original promissory note. Affiant looks forward to hearing from Claimant in a timely manner and within the deadline given with the return of the signed enclosed Affidavit and rebuttal and Affiant thanks Claimant for Claimant's kind cooperation in promptly resolving this private matter.
4. Claimant's failure to respond, as stipulated, is a violation of law and Claimant's full agreement with and admission to the fact that everything within and related to this document is true, correct, legal, and lawful.
5. If Claimant fails to respond within the alloted time frame, it constitutes Claimant's full admission attesting to this document and is fully binding upon Claimant in any court in America, without Claimant's protest, objection, or that of those who represent Claimant.
6. If Claimant's fails to respond within the alloted time frame, it constitutes Claimant's full agreement to within 10 days
1) Mark the subject erroneous purported debt “Satisfied” and “Paid in Full” on the county Records Books; and
2) refund each and every monthly payment (principal and interest) which we may have inadvertently made toward said fraudulent purported debt; and
3) return original blue ink signature affixed upon the original documents that may exist pertaining to the subject erroneous purported debt.
7. Your silence is your acquiescence. See: Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is “the first essential of due process of law”. See also: U.S. V. Tweel, 550 F.2d.297. “Silence can only be equated with fraud where there is a legal or moral duty to speak or when an inquiry left unanswered would be intentionally misleading”.
I hereby attest that, to the best of my knowledge and belief, the above information is true and correct.
Dated this 1st day of june, 2009
Affiant, by: __________________________________________
your name, Signed reserving all my rights,
De Jure Soli, Sanguinis, Coronea.
c/o (65 pine ave suite 138) long beach, california, by (90802)

NOTARY
On this day came before me the Affiant a living flesh and blood human to oath and attest and affirm the signature is true, complete, and correct on the foregoing affidavit. Richard Thomas Bodeker Jr. the undersigned, who is personally known by me or upon proper oath and identification, personally came before me, the subscriber, a notary public in and for the County of los angelas and the State of california, and Duly Affirmed the truth of the foregoing Affidavit in my presence. The Affiant also acknowledged the signing thereof to be her own voluntary act and deed. Signing the within instrument in my presence and for the purpose therein stated.

Signed this day________________, of____________________, ______________ at______________

My commission expires on: ________________________

By_________________________
seal:_________________________

PROOF OF SERVICE:
I, Richard Thomas Bodeker Jr.' the sovereign spoken of in Yick Wo v. Hopkins, 118 US 356, 370, making a special limited appearance, certify that, I have served all parties a true and correct copy of this document on this 1st day of june 2009 by sending it certified mail and via fax and email to all parties involved.

Affiant, by: _____________________________
(signature)
Affidavit for Bank / Financial Institution Official to sign:_______________________
(Affiant and alleged lender) CHRYSLER FINANCIAL INSTITUTION
paul knauss
P.O BOX 9223, FARMINGTON HILLS MI. 48333

(Claimant and alleged Borrower) Richard Thomas Bodeker Jr.
65 pine ave suite 138
long beach, california by [90802]

Re: Account #
AFFIDAVIT

LOS ANGELS COUNTY )
) SS
STATE OF CALIFORNIA )

I, Richard Thomas Bodeker Jr., Affiant herein, a resident of the STATE OF CALIFORNIA, state under penalties of perjury under The Laws of the STATE OF CALIFORNIA, that Affiant is competent to be a witness, Affiant has personal knowledge of the following facts, and that the facts contained herein are true, correct, complete, and not misleading.
1. Affiant states that the name of the Financial Institution is_CHRYSLER FINANCIAL.
2. Affiant states that Affiant knows and understands the meaning of “penalties of perjury”.
3. Affiant states that Affiant knows and understands that ignorance of the Law is not an excuse for violating the Law.
4. Affiant states that Affiant knows and understands the laws that govern banking and financial transactions.
5. Affiant states that Affiant has consulted a duly qualified Bar Card carrying attorney at law and showed said attorney the “Private Notice of Claim” before signing this Affidavit.
6. Affiant states that Affiant has a thorough knowledge and understanding of the money and banking system of the United States.
7. Affiant states that the above named lending institution loaned money to the alleged Borrower.
8. Affiant states that both parties, borrower and lender, have equal protection under the law regarding the auto loan agreement referenced by the above numbered auto loan account.
9. The above named lending institution provided the money or its equivalent from its own assets as consideration to purchase the borrower’s “promissory note” to establish the above numbered mortgage account.
10. The above named lending institution provided the money or its equivalent from its depositors’ accounts as consideration to purchase the borrower’s “promissory note”, to establish the above numbered auto loan account.
11. The above named lending institution did not deposit the borrower’s promissory note as an asset then wrote a check against said deposited asset to give to borrower as a loan with interest to establish the above numbered auto loan account.
12. The alleged Borrower does not provide anything with a cash value that the above named lender uses to fund a loan check to complete the closing financial transaction in the above numbered auto loan account.
13. The one who provided the money or its equivalent to fund the above numbered auto loan is the one to be repaid the money or its equivalent in this auto loan account.
14. The charter of the above named financial institution grants it the authorit to lend its credit.
15. The charter of the above named financial institution grants it the authority to create “checkbook money” and lend it as money or its equivalent.
16. The above named financial institution that allegedly provided the loan followed generally accepted accounting principles (GAAP) and Federal Reserve Bank rules, regulations, policies, and procedures to establish the above numbered auto loan account.
17. The above named financial institution that provided the alleged auto loan did not make an exchange, but truly loaned its money or its equivalent or other depositors’ money or its equivalent.
18. The borrower has the right to repay the loan in the same specie of money or its equivalent the above named financial institution used as a deposit to fund the loan check used to establish the above numbered mortgage loan account.
19. The above named financial institution has the lawful right to demand payment from the alleged borrower in a specific kind of money or its equivalent or currency in violation of HJR-192.
20. The above named financial institution made full disclosure to the alleged borrower and did not violate the Truth in Lending Act.
21. The above named financial institution fully performed on the value of the auto loan agreement to establish the above numbered auto loan account.
22. The above named financial institution did not violate the State’s usury laws.
23. The above named financial institution risked its own assets in the auto loan transaction to establish the above numbered auto loan account.
24. The above named financial institution risked its depositors’ assets in the auto loan transaction to establish the above numbered auto loan account.
25. The above named financial institution will provide a certified copy of the T-accounting that was set up to establish the above numbered auto loan account from the beginning, starting with the alleged Borrower’s Promissory Note and providing a full accounting of all funds going in and out of said account.
26. This Financial Institution CHRYSLER FINANCIAL never used a borrower's mortgage note / auto note or a lien to create checkbook money it loans out to borrowers. This financial institution has never loaned credit or used credit money. This financial institution is not involved in check kiting ( checks written without one dollar on deposit at the bank for every dollar in checking, savings, and certificate of deposits). This financial institution does not violate our Founding Fathers Constitution for the United States or the court decision in Bank of Augusta V. Earle, 13 pet. (U.S.) 519 and Colmon V. Jackson, 988 F.2d 13145, relating to the Foreign Agent and Propaganda Act, Title 22 U.S.C.A. 611 through 621, the Truth in Lending Act, Title 15 U.S.C.A. 1691 through 1691f, and the Fair Debt Collection Practices Act, Title 15 U.S.C.A. 1692 through 1692o. If the officer for the financial institution signing this affidavit lies, the alleged loan agreement becomes null and void, the borrower keeps the funds issued, and all loans this financial institution issued become null and void.
Further Affiant says naught.

___________________________
Head of Collections, Affiant
___________________________
Phone:
___________________________
email:
Enclosed find financial institution's answers to your 35 legal questions on a separate document.
NOTARY / WITNESS
On this day came before me the Affiant a living flesh and blood human to oath and attest and affirm the signature is true, complete, and correct on the foregoing affidavit. Richard Thomas Bodeker Jr. the undersigned, who is personally known by me or upon proper oath and identification, personally came before me, the subscriber, a notary public in and for the County of LOS ANGELES and the State of CALIFORNIA, and Duly Affirmed the truth of the foregoing Affidavit in my presence. The Affiant also acknowledged the signing thereof to be her own voluntary act and deed. Signing the within instrument in my presence and for the purpose therein stated.
Signed this day________________, of____________________, ______________ at______________
My commission expires on: ________________________
By_________________________
seal:_________________________

Can anyone give any suggestions on what to about them calling and harrassment? My brother, not sure what his situation whith his car but these people call my elderly parents everyday. Atleast 10 times a day. Calls the neighbor atleast 4 times a day. My parents are in there 70's, their sick and dont deserve to be talked to the way they do. They threaten my parents and this is not right or legal. My parents have ask them over and over to not to call them. Or atleast not to call their neighbor, thats tacky and embarrassing. Thank God my parents and neighbors have been living next door to each other for over 30 years so they understand but still. Can someone please tell how do I get these rude people to stop calling my parents.
Thanks

We just begged, borrowed and starved to pay off our C/F loan a couple months late. Then we get a phone call stating we owe them another 60.00 and admitted this was their error? We were getting up to 20 phone calls a day on both phone lines.Talk harassment! Then told us we should be living in our van instead of paying rent. I wish we could get ahold of those "This call may be recoreded to protect your privacy" Who records things to protect privacy? These employees are about as useful as hemmroids. I will NEVER buy another Chrysler product as long as I live and I will never recommend them to anyone living or dead. They are the rudest people I've ever come across. They call and saw that their coming for my vehicle have it ready . THREATS HARASSMENT its done its paid for . NOW I UNDERSTAND WHY THEY'VE FILED FOR BANKRUPCY ! POOR CUSTOMER EVERYTHING! You can't tell me that every Chrysler employee Is current on their vehicle loans :Give me a break!

Man... this is unbelievable I always thought it was harrassment if they call you so many times a day...man they leave nasty messages on my voicemail they call my pregnant sister and harrass her, My biggest problem is my intrest rate, it is 18% on a 35k loan.. $825.00 a month, the dealer gave me the truck and let me keep it for 8 days before my loan was approved. they told me it had to be this way for the first 3-6 months then they would refinance it to 7%, what a lie that turned out to be, here i found out that chrysler gave me the loan at 9%, and the dealer wrote it up at 18% so everymonth the dealer gets 9% of my payment... thats what is call gaudging, i brought that to ashley @ chrysler financial"s attention, her reply was "you signed the deal", but i was forced to sign the papers before the rate and payment were printed, because they said it was for insurance reasons, because the gave me the truck for 8 days before i got the loan, totally tricked me and screwed me...class action lawsuit! im in man, lets get it started! email me i will get this rolling this has to be done please help lets stick together.

I have been harassed by this company recently due to my sister being behind one payment. It is not even my debt not am I a cosigner. In fact, I have told them not to call me anymore! However, the week following that conversation, I received five phone calls from them that I didn't answer. They left some extremely nasty and threatening voicemails. I answered another phone call from them today where the guy refused to give me his name or employee number, which by the way he is legally required to do (not last, just first). The phone number was listed as "restricted" and he refused to give me his phone number so I could verify who he was. They want me to give them contact information about my sister, but they refuse to give me contact information about themselves?!?! I have no way of verifying they are who they say they are, and I'll be damned if I am going to give them the address of a single mom whose kids are home alone for about an hour a day when I can't verify their identity.

To Bball1227 - How can you tell these people posting to get a grip? Yes, they owe a debt, but it is immoral and ILLEGAL for Chrysler to behave in the manner they have. The majority of people who are behind by only a payment or two will get back on track and complete their contract. If you are responsible and are experiencing financial difficulties beyond their control, you do not deserve to be treated the way Chrysler is treated them. You cannot be harrassed by anyone, even a company to whom you owe money. That is illegal. If you ask them to not call you any longer, regardless of what you owe or your relationship with the company, the company CANNOT call you for a year. If they have to contact you, they can do so through mail. You may owe a debt, but you are still a person, and deserve to be treated as such. They certainly don't have the right to call the debtor's relatives, especially those who have nothing to do with the debt, and harass them. If they were really concerned about getting their money instead of employees just concerned about their commission, they would work with you to help you make your payments. That is what many companies do because statistics show they are more likely to get their money (and won't have to pay commission to collectors) than those that harass and have customers default on loans.

Oh, and by the way, Chrysler Financial is claiming they will work with people who are having problems paying their lease. Well, my sister called and work out an agreement with them. She held to their agreement. She is still one month behind, which is okay by their agreement, and started receiving the phone calls the month after she called them. In my mind, that is NOT working with the customer. It's just talk to look good to the public but is a bunch of bull***t.

GET A GRIP. You all borrowed thousands of dollars and now can't pay it back on time. Chrysler should stop thinking of keeping the business afloat and let everyone just have their cars for free. Do you even have a clue, if you don't pay Chrysler can't loan out money to keep the business going. You all act like you answer all the calls that are made to you. If you do not answer it does not count as a contact. How about you all sit in the seat of the people who are calling you hoping people will pay so the company will stay in business and they have jobs. Typical, you can't pay your bills so lets sue chrysler for trying to collect the thousands of dollars they gave you. Dont forget to carry the contract with you to the attorney's office. I am in the same boat as everyone else financially but why in gods name would I put down the company who gave me a vehicle when I needed it. If I can't pay its my problem, I signed the contract. How about you all loan out your paychecks this week, how many calls will you make to try to get it back from people who do not pay it back. As far as feeding your children first, that is correct that is a priority, but you also need to sell or give up your vehicle if thats the issue, you should not have a car loan if you can not afford to take care of your family. As for the phone calls, if you do not answer the phone then deal with the consequences. Its a business, grow up.

My final lease payment was due and I set up an online payment through my checking account to be debited on a specific date. Prior to that date customer svc. at Chry. Financial called asking where my payment was and when I told him I set it up online he said that it wouldn't work because my checks were no good. I told him I got a confirmation number and he said "that's from your financial institution, not Chrysler; it's best if we take care of this today via your debit card" (which is by the way connected to my checking account). I did as he suggested, the payment was debited immediately from my acct., and when I asked if I should go back online to cancel the payment I originally set up he said that wasn't necessary because it wasn't going to go through anyway. I followed his instructions and sure enough 2 payments were deducted! I called them asking for a refund asap, like as quickly as they debited my account they should be able to credit it and I was told that I would have to get my bank to fax them verification that I had sufficient funds in my checking acct. to cover not only BOTH payments to them but also any fees for returned payments! Both payments by the way cleared a week earlier and I definitely had sufficient funds in my acct at that point in time. What business is it of theirs anyway how much $$ I have in my acct; they took one payment too many from me and they owe me. The supervisor was extremely arrogant & condescending! No wonder the American auto industry is a mess with people who (A) have no clue what they're talking about handling payments and (B) their overall attitude. I'll ride a bicycle before I ever deal with Chrysler Financial again!

I find the people at Chrysler financial rude and unwelling to accept an error on Chrysler's part. It appears the dealership and corporate do not communicate well. Try filing your complaints with the consumer board in your state. That's what I've done and the news is next.

Perhaps, you may want to read your contract. The result of the high final payment is the extra interest you paid throughout your loan when you paid late. i would also check on the final $100. That is most likely a final late cahrge, again specified on the back of your contract. This is how simple interest loans work. I would pay in cash from now on or pay ontime to avoid future penalties.

These People are trained by their company to be rude, I got one of them to admit it. It would be fun to sit in court with them and and have a jury listen to the stupid S___t put out. I am 65 years old and never in that time have I been treated like a kindergarten child. And I was never late on payments in 5 years and when the Auto-pay from my bank stopped i figured everything was in order. But no, they did not contact me and tell me I still owed them any money. I guess the last payment can not be taken out automatically. So after 2 months they call and tell me they are going to take my truck away unless I Paid them on the phone. I said send me a bill and I will pay it. They said no way, there was not enough time to get the money back to them. I said tough... I am on my way to Alaska tomorrow. They are 1st class jerks.

And to the Joker that posted the previous message about borrowing money from the Mafia, I say the Mafia can be sent to them also... These people are not any better than us and have no right to treat their customers in the manner they do...

Just hang up on them if they get abusive and fight it in court, you have a 98% chance of getting your way when all facts are brought to the light of the court. The courts don't like them any more than we do...

Have a better day!

there is nowhere in the contract that states should an event happen causing u not to make your monthly pmt on the due date, that chrysler financial will help you out!did u read what u signed!they loaned u money for the car...cant u be grateful.?but if u r dissatisfied with them, i suggest going to the mafia for a loan and when u fall behind on the pmts compare their collection practices with chrysler financial..p/s hope it all works out for you personally but business is business huh:)

This is one of the worst companies to have relationship with.
They talk and thrash people as if we are mere people who are obligated to them.
Thats the reason why Chrysler is not even having ground to stay in market. Too bad the federal government is aiding such a sick company with no signs of coming back...

They are the perfect example of how a customer service should not function in any kind of business.

People that work in Finance are the lowest common denominator of the human race. The Salesman knew all along what he was doing, and so did Chrysler financial, My aunt worked for them for five years, they hold payments until they are late, and they will report you at the drop of a hat. Once you are late once, they put you in a "farmer" file, and every time your payment is close to the due date, they hold it... until it is officially late. This is called "farming for fees" this goes on every single day, in every single financial institution in the world. It has become the "cash crop" for failing banks, and it definitely will continue under this administration of the executive branch.

So lets get this straight, YOU are the one that signed a back dated contract in order to receive rebates and a tax break.
So you and the dealer actually committed fraud against Chrysler and the tax department by lying about the date which you took delivery and signed your contract. Yet you say that Chrysler lies, cheats and steals...

Hmmmmmm I would have to say YOU were the one lying, cheating and stealing...

You deserve everything you get

I also will never ever buy another Chrysler and I hope their lousy company faulters! They are pure garbage. Dirty, Dirty company!

Obviously when you bought the Crossfire you had at least one child, so right away it was the wrong vehicle for you!
Secondly, Chrysler Financial is not responsible for the depreciation on your car.
Thirdly, just because Chrysler Financial received a new contract doesn't mean they automatically assume your old account is being paid out. That is the dealer's fault.
Try blaming those that are responsible:
You - for buying the car in the first place
Dealer - for not paying out your trade in
Factory/Economy - for the rapid depreciation of your Crossfire.

First of all, buying an American car sucks... why d these vehicles lose so much value quickly? Chrysler is the pits. I got screwed in my car deal at a Chrysler Dealer I will nver again buy an American car! My Camry has served me very well for 8 years now.

I just had the worst experience of my life with them. I will never get my loan from there. And to think my grandfather is retired from GM! They sent me my last bill in the mail for over $700 and my normal payment is $500 something. They wanted me to pay the whole thing and I said I couldn't! Boy did I get an ear full. I wound up hanging up on them it was the worst thing.

i have always been ahead on my paym'ts until sept of 08 and the day before my payment wasd due i started getting calls rude is not the words to descibe these pieces of work they refuse to give employee numbers and refuse to let you speak with someone that knows how to be halfway polite, i have been called a lazy bum who needs to get a job and make his payments, even when you tell them you'll make a paymenton this datethey still call 8 plus times a day and say oh well thats not in the computer, i am now recording all my conversations with them as i'm filing suit against these ###

I am a technical and support services manager and I called to correct information about my account - I spoke to T3 693KA who was the floor manager and ultimately resolved the issue in 5 minutes.

I spoke to a guy who claimed to be a 'manager' b/c when I asked to speak to a manager or just to someone else he would not transfer me, he mocked me and was by far the worst support I have ever had.

My pay off is coming up on my loan and I will definitely NOT get a car from Chysler Jeep to simply not have to deal with their support. I will never refer the company as a whole as being good in any way due to this one person, employee number T3622GH.

They are by far, the rudest people I have worked with thus far in my life. My payment would be less than a WEEK late and I would start getting calls 10+ times a day everyday... One guy (can't think of his name off the top of my head, but I do have it written down) said to me "well Miss Thompson, I'm sorry that you are broke and can't afford your vehicle, but thats not my problem." First off, that is RUDE and EXTREMELY UNPROFESSIONAL...second off, if they aren't getting their money, isn't it THEIR probelm?! I even offered to pay him $250 THAT day, and another $250 two weeks later on my pay day...and he refused it! He wouldn't accept half of a payment?! I just gave them back my car yesterday because I was SO fed up with it... I was thinking about getting my account up to date (Im less than two months behind) but I decided "F-It". They can keep the car... my credit being ruined is WORTH it to not have to deal with those people anymore.

I agree they are extremely rude. The worst one is STEVEN LEWIS at their call center. Give him a call and you'll find out what a little rat he is. He is probably all of 21 years old and has been trained or is just naturally a little piece of sh** I have NEVER been spoken to by a company representative as this little twerp. His supervisor is just as bad. If you are looking for a collective group of nasty, abusive people...finance your car through Chrysler. I certainly will NEVER do so again.

I purchased a semi through Daimler finance and later voluntarily returned it to the dealership where I bought it.
I never heard anything from Daimler for several years so I assumed they sold it for the remaining amount.
Almost 5 years later a notation shows up on my credit report claiming I owe them over $9000.
Repeated telephone conversations with both Daimler and one of the flunkie companies they hired to collect this have resulted in the consistent refusal to produce ANY documentation whatsoever showing that ANY money is owed other than "statements" printed out on their own computer.
I have been told on different " documents" that they sent me that the truck sold for two different amounts, that no payments were ever received on the truck despite a record ON A DOCUMENT THEY SENT ME that they recorded at least one payment.
I have credit reports where THEY REPORTED OVER $5800 in payments but Daimler ignored that.
The matter still soils my credit report to this day because Daimler Chrysler seeks to defraud their customers out of thousands of dollars THEY KNOW( or should know if they checked their own records) they don't owe

I purchase a 2005 dodge dakota new four wheel drive v8 3.7 magmun engine what a piece of Junk. this vehicle doesn't work a penny you paid for it. actually no dodge vehicle. It's a piece of Junk from the very start First the manufacture told me I have to change the transfer case fluids ever 15, 000 miles - piece of ###- and at 40k mile the service cost 1000.00 . How ridiculous! Never heard of such a thing. to get t the vehicle out of four wheel drive the dealer told me I had to rock the vehicle back and forth to disengage the four wheel drive UNheard of. Go Buy a toyota. Dodge vehicles are a piece of Junk New and Used Stay away from them

Same here. Tried to call for our year end balance information for 2008, got a recording that said you have to call their "International Number" for a charge of $4.99. What total CRAP. You have to PAY to get your OWN information about your OWN account? Isn't there some FTC law that states these companies have to provide account information FREE of charge? Now awaiting on a response back from an email that I'll probably never get. IF anyone knows how to contact these low lifes by phone, please provide a working number, with a REAL person on the other end, that speaks English and does not read from a script.

I am so sick and tired of big companies trying to slam it to the little guy, Mr. Consumer, who keeps them in business. By moving their call centers to India, or Timbucktoo, they are only helping to bring our economy from bad to worse. Nice going D.C., way to treat your loyal customers. You get an F- in my book.

I've had problems logging into my account and they told me that I would have to pay by phone which would cost about $10. I never missed a payment but it seems they are trying to swindle our hard earn dollars. It seems to be happening randomly for this has happened to a few of my friends as well. Imagine snatching $10 bucks from hundreds of thousands customers a month. Not buying anything from them again.

I'll stick to the Japanese Cars. CYA Chrysler!