LETTER OF COMPLAINT
The Commissioner of Financial Regulation- Mr. Simmons
500 North Calvert Street, Suite 402
Baltimore, Maryland 21202-2272
(410) 230-6100
_____________________________________________________________________________
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 # 410-668-9945. 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. |
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