Chrysler Capital review: fraudulent collection practices! 52

LETTER OF COMPLAINT
The Commissioner of Financial Regulation- Mr. Simmons
500 North Calvert Street, Suite 402
Baltimore, Maryland [protected]
[protected]
_____________________________________________________________________________
September 14, 2009

This letter is to inform the State of Maryland Office of Commissioner for Financial Regulation that I am requesting their assistance through this complaint. I am a 69 year old widow, the recent lost of my husband has cause some delay in my personal affairs. With the assistance of my family, I have been able to re-organize my affairs with their overseeing. I intend to redeem my vehicle back and I have contacted Chrysler Financial for the process. The information that has been given to me on more than 3 conversations has not been consistent. I feel their collection actions are taking advantage of my age and lack of knowledge for the law. Please assist me in protecting my rights for I question the actions of Chrysler Financial and the storage company MCN-MC Recovery 7517 Belair Road, Baltimore Md 21236.
September 10, 2009 at 12:00pm, a tow truck entered the driveway and removed my vehicle. The next day I noticed marks left on the driveway due to the van being pulled. September 11, 2009 I called Chrysler Financial to discuss the repo of my vehicle. At this time it was confirmed that the car was taken due to three past due payments. The representative at Chrysler Financial stated no information was available at this time, to call back tomorrow to get the figures for reinstatement or payoff.
September 14, 2009 I placed 3 phone calls to Chrysler Financial, on 2 of the calls I had a separate representative on my behalf on the line during the conversation. The representative was asked to assist me and witness the conversation. The Chrysler Financial reps were told of her presents. The following is the documented information that was given to me from the 3 phone calls to Chrysler Financial.
9:00 am placed call, spoke to Chrysler Financial representative Ms. Alexa.
• I asked if she could share with me the information that would be needed to redeem back my vehicle. A this time she stated I would need to wired the past due payments over, give the names and phones of 6 people I know, show a current paystub, bill with my name/address on it and proof of insurance coverage.
• I questioned her about the redeem options and she told me their are 2 options reinstate or payoff. We discussed the figures for both options; she stated the cost for storage of the vehicle was separate at a rate of $350.00 day! I ended the call in disbelief and contacted a 3rd party for assistant and help with the process.
12:00pm I along with my representative placed a 2rd call back to Chrysler Financial and spoke to Representative Paula Tan. I informed her that a 3rd person was on the line to assist me with the process. I again questioned my options to get the vehicle back because I was preparing to send the funds and necessary paper work. At this time the representative stated I had 2 options, reinstate or payoff.
• The amounts that were given as of today are $1393.69 for reinstatement –with a good through date of Oct, 4th 2009. Payoff amount of $6369.17 as of today – with a $2.23 increase rate daily until paid off.
• Car would go to auction for sale on September 28, 2009 or sooner, she was unsure on the timeframe and could not be clear.
• Requested written documentation about my rights for redeeming the vehicle back. Asked about the Required Notice. She stated it was mailed out on the 11th. At this time I confirmed my address had recently changed and give the new address, and requested for a certified letter to be resend out. I questioned her on the timeframe and she stated it would take 7-10day. I asked if it could be faxed, she stated it would take 7-10 day.
• Towing fee of $370.00 was included in the amounts stated above and the storage fee was separate. The company that is holding the van is called MCN-MC Recovery # [protected]. The representative stated she could not give information on the daily rate they charge. She told me to contact them because Chrysler Financial doesn’t handle the storage rates. Contacted MCN-MC Recovery a worker, that would not give his name stated, “we don’t know the rate and will not give that to you until Chrysler Financial faxing the release over. At that time they will tell us what to charge you!”
2:00pm placed call back to Chrysler Financial with the assistance again of my representative to share the information the storage company had given me. Spoke back with Chrysler Financial‘s representative Ms. Alexa.
• Called Maryland State Office of the Commissioner for Financial Regulations to file complaint and get assistance.
• Ms. Alexa confirmed that the address charge was in the system. My representative questioned her again on the storage rate fee ($350.00 a day) that was quoted to me earlier by Ms. Alexa. She stated that was not correct but she didn’t know what the rate would be, it may range from $10.00 –$ 60.00 a day. She again referred me the Storage Company to obtain that information.
• Questioned her about how to move forward before the 7-10 day timeframe to resend the certified letter to new address. She stated, you can fax the documents over that we have requested earlier. I questioned her on why I needed to provide the names/phone numbers of 6 people this was a privacy issue of their information. I informed her that I receive Social Security benefit Income and awaiting deceased spouse pensions. I do have current proof of insurance on the van and the funds to reinstate the vehicle.
• Ms. Alexa stated I would need to send this information in or fax it before the car could be release. I wrote the fax number down and her name as contact. Would fax as much of the information I could over on September 15, 2009.
• Called the storage company back again to request the rate, spoke to a supervisor named Sandy. She stated the daily rate was $30.00 a day.
September 15, 2009 contacted CF to confirm the payoff amount and city code for western union wire of the funds. When I questioned the rep about the additional fees like storage he again referred me to MCN-MC Recovery. The following conversation took place with the individual that stated she was the office supervisor “Sandy”.
• During the call I asked for my representative to be present. I told Sandy that I give the representative permission to speak on my behalf. Sandy stated- you can’t do that with us we are not Chrysler Financial. She then stated you need to speak for yourself Mrs. Griggs, what do you want. I asked if the car was still at this location because we are making arrangement with my towing company. Sandy stated – I don’t know hold on.
• She returned to the phone and stated where is Mr. Griggs, why is he not helping you in stand of this representative. My representative stated he is recently deceased, how unprofessional and ignorant of you! My representative stated Mrs. Griggs is a 69 year old widow, left to handle her affairs without the assistance of her spouse. Individuals in this age group consult with the Department of Aging and other organizations all the time, due to unprofessional ignorant business practices like this! My representative asked “Sandy” what was the age of her mother and would their not come a time that she may need assistance? Have you ever heard of the word “Lawyer”?
• Sandy stated, what is wrong with you Mrs. Griggs? If you can’t handle your own phone calls, how are you going to drive this vehicle? I stated to her can you please just answer my question, why would I be obligated to discuss this with you. Sandy stated, it’s here and I don’t know for how long. I asked what the rate per day was and do you charge for weekends. She stated yes and you can call Chrysler Financial about the cost not us!
I am very shock about the unprofessional, disrespectful conversations that were hold with both companies. Had I not asked for assistance from a 3rd party, who knows what type of rude misleading acts these individuals, would have taken? If I were a male or 30yrs younger would this type of treatment taken place? I worry about the “Senior Population” and their ability to handle business tactics like this. Chrysler Financial stated they are not responsible for the information given by these individuals or the handling/ damage of the vehicles while under their care.

I have GAP insurance through CHrysler. I totaled my truck while trying to avoid an elk during a storm. THey sent me 6 pages of instructions needed for proof of my total. In the meantime, I bought another car a Jeep., It has been almost 60 days, and Chrysler still hasn't started the GAP payment, though the paperwork was finished several weeks ago. They say it will be the customary 90 days, no less, before they will release the funds. In the meantime I will lose the vehicle I just bought. Yes, they are a bad company to do financial business with. It is no wonder that they went belly=up. I wonder how much their CEO got as a bonus this year. I think it was many millions. Probably paid from the Stimulus Bill.
Terry

chrysler financal you wonder why customers wont come back? i was in a jeep lease for 27 months only put on 24k miles on the 27k lease, vehicle always maintained and clean. turned in, never ever smoked in, no accidents, salesman said they would have no problem selling it. at 19 thousand miles i had to get the front calipers replaced at 400 plus dollars and chrysler would do nothing abt it. payment was always on time and never late. after turn in time im faced with a 450 dollar turn in fee. in calling the credit company there is very little wiggle room and they want the money now. i ask for what service am i paying for and they say its a turn in fee for cleaning etc. i feel im jammed up a bit with this as i paid for things like brakes that should have been warranty covered. so the lesson is truly dont buy chrysler, no matter how much they tout american etc they in this economy dont care. its a take it or leave it and we ll jam you credit if you dont pay. chevy and ford and honda do not have a turn in fee. so be aware. my thanks.- gfjs pt huron michigan

I Have A Car Note With Chysler..they took my car last year but got it back..now when i call them they say my account has been closed..but im still making payments and have the vehicle..im nervous now because ive become low on cash and am 13 days past due on this months payment..should i worry

We have a Dodge Durango and over the past year my husband has lost his job and I have had a pay cut of almost 10, 000. We have 4 children and are on no kind of welfare at all and are trying to keep it all together. Even if I am one day late they start calling me at work and some times will call up to 3 times a day at my work even though i have told them I can not have calls like that at work. I have been late on several payments but always make the payment including the late fee and they treat you like you are dirt every time you call in. Today I called in to make my payment because the past couple months have been bad we were two months behind on the 29th of october I called today to make the sepetember payment and they didn't want to take it unless I paid both payments and told me that even if I paid the one and didn't set up another payment that they would come and repo my car! can they do that if you are only one month behind? I will never finance a car thru them ever again it has been like this the entire loan and no one there wants to help you at all, they just want to chastise you for being late and treat you like you are dirt even if you are trying to give them money. You would think with the way the economy is they would take what ever payments they could get but I guess that doesn't matter.

All these people there are BLACK think about it this is part of Obama’s redistribution of wealth these people have spread throughout our financial sector to obtain information this is collusion / no I mean really think about it and beware if you’re a republican You people better wake up!

So, essentially, you lost a letter from the dealership, which is now bankrupt, proving that you did precisely what you were supposed to do, with all the important information on it, so that you would not have to shell out any more money.
Is that about right?
So, why is it the finance company's fault that you lost a letter from a franchised dealership? The company that built the car is NOT the same as the franchise that sold that car. Neither of them are the same as the company that financed the car.
Think of it this way: Levi's, bought from K-Mart, with a Visa card. Levi made the jeans. K-Mart sold the jeans. Visa paid for the jeans. If you go back to K-Mart because you have to return the jeans, and you don't have the receipt, that all-important piece of paper, what will you get?
Exactly.

This person sounds like a real piece of work. Chrysler has never offered me an extension and when Ihave been brave enough to ask for one, I am am told lets make arrangements on this payment and if you need the extension, we will do it next month. The person is probably a "Boiler Room" call freak that makes minimum and his big prize is the commission if he collects.

We work hard and hit hard times like everyone else, recently Chrysler came upon hard times and received a government bailout, which is something that we didn't recieve. Chrysler didn't follow collection practices with me and Ihave proof. If I can, I hope to have an attorney file a class action against them for their unfair practices then we will see it the government bails them out again. This company is a wart on the nose of good business' and offer nothing.

Balooga or Blair, your day will come and this will hit you hard. Just because we hit a rough patch, doesn't make us deadbeats you idiots. We are human. Chrysler hit a rough patch and was bailed out, what does that make them in your eyes? Get real! It is ### like you that have attorney's scrambling with class action lawsuits against questionable practices. Which is why most debts from thrid party collection companies get erased. You can not threaten someone. People, call your state Attorney General and I will guarnatee you people like Balooga and Blair and their companies will be stopped.

chrysler should have gone under...bottom line, I wen't into a dealership knowing what i could afford...a 22, 000 dollar car. they ran my credit through dcfs and told me i should buy the car that was 41, 000 and i was approved on the spot. Luckily i know what my disposible income level is and i told them no thanks the one that was 21, 780 was fine. 2 managers later, i walked out. I coulden't believe that they would push so hard to sell that crappy ASPEN! Truth is, it's a combination of chrysler financial and the retail sales force pushing to put people to the brink of their finances. The Gov't bailout gave them huge testicles to go chase all the risky loans they knew would probably fail. Practices like these are what gets financial industries in trouble. To make a long story short, I bought a used and loaded jeep rubicon through a local used car lot and used a local bank! I think I made the right decision every day i look out the window...It's only a matter of time, bad business can only go on for sooooo long!

Apparently, Chrysler Financial is going under, or actually having someone else assume all their debts and ranting customers. GMAC is projected to take over at the end of 2011 or beginning of 2012.
Customer service is awful, and I am referring to the "superviors", not the reps that answer the phone initially and are in outsourced sites.
Just got hung up on by a "supervisor". Apparently, they did not have my loan set up to have extra payments applied to principle, although the financial manager at the Allan Samuels dealership told me it would be that way. "You don't have to write an extra check. It is automatic". So for the last 3 years I have been paying at least $100.00 extra per month, give or take 7 or 8 times, and all this has done has pushed my due date and balance up about 3 months. Chrysler Financial assures me that principle is being paid on with my extra payments. Duh, at some point you do start making a dent in your principle. But...not in the manner that was told to me at point of sale. So...to make a long story short, I will pay off my car a few months early. About 2-3. But I will have paid the same approximate amount for the car, only earlier. I am so tempted to take my savings and pay the whole thing off and never have to deal with their customer service again. I could have put the extra money I paid each month into the lowest interest bearing account and still have made more than where I am at now.
Oh, and get this one: one of the international reps told me that the reason that the payment was pused up a few months with a lower amount due was to ensure that Chrylser customers always paid their payments on time to help with their FICO score. WTF?! I called him on that one and said bull.
They really do not care about repeat business. Or that my local BBB has them rated at a F+. No pysical address to go to, just a PO Box or I would have already been there.
I am glad to see a direction to start with my Fiance Commision of Texas letter I will be writing them as the lady had done with her complaint in Maryland. It is hard to know who to write or complain to but her letter helped me get started.

I am having the same problem as all of you. I was never behind on my payments and Chrysler called and called and sent me a repossession notice. My car is paid off and they still want 460 dollars. I asked for a copy of my account history to find that they changed my contract purchase date and due date to 1 month earlier and I have my western union confirmation letters that clearly show them double charging for western union fees. There were too many notices with the wrong fees to be an isolated incident. There were other problems with their accounting practices as well. I'm currently fighting this. Call western Union and obtain copies of your confirmation letters if you paid by phone and get a copy of your account history...Chrysler is a mess

Chrysler Financial is not a finance company. Leases are prepayment aka paid in advance and are based on good credit. Chrysler Financial is a service company that only accept payments and is suppossed to service the lease agreement (?). Both, the dealer (Lessor) and customer (Lessee) are assignors to CF (assignee), but CF is only interested in money and screwing the customer out of more money. I bet CF isn't incorporated as a finance company...check their article of incorporation. CF is a front company in bed with the dealers, courts, and any other illegal entity. CF goes under numerous names and their entire operation is ILLEGAL. Pay your state taxes CF!