Chrysler Financial Auto Finance / collection/reposession practices
I need help. I hav read several complaints regarding the collection/reposession and reporting practices of Chrysler Financial. I have to wonder why no Attorney has taken this on in a class action lawsuit. I would for one sign up for sure. First let me say, that Chrysler collection processes are horrible. They will call 10-15 times a day if you are 1 day late; believe me I know. They are rude, condescending and threatening on the phone On 2/26, Chrylser came and reposessed my van without warning or regards to my states collection law. I tried to redeem it by paying what they said was the past due amount, but they said Iwould hve to pay the full contract, which is $12500.00 roughly. Telling me that should not have bounced checks, that I was 4 months behind and they would not take a chance with me. This is where is gets interesting.
According to WV State Code 46A-2-106, a finance company is required to provide you with a right to cure default, and give you 10 days without harassing phone calls to take care of the matter. I never received a notice from them. On 1/16/10, I received an email stating that my payment was due in the amount of $861.50, which was for January and December; I had missed December's payment due to Christmas. I paid them $861.50 1/16 and later on 2/3 proceeded with scheduling my February 20th payment for $450. If you are familiar with the online payment system, then you know that there is no way to schedule a payment 17 days in advance for a lesser amount if you are past due. You must pay the mount due immediately. I did attempt to use my debit card 1/21, and my account was frozen. After contacting my bank, I was told that someone had tried to access the account several times with inaccurate information, so the account was frozen to debits. I was able to clear the problem up, didn't realize that 5 days after scheduling the Chrysler payment it still hadn't cleared the bank, I thoguht that it was alright.
After they took the van 2/26, I made several calls to the customer service people (real jerks) and the redemption department (even bigger jerks) explaining the situation. I was called a liar, they told my ex-father-in-law that I was 4 months behind, they asked me what kind of story that I was giving them that I had purposely bounced checks, which I had not. I was distressed all weekend, but finally Sunday I was doing a search through my MSN email and in the junk mail dated 2/17, a month after the payment and 8 days before my van was reposessed, notification that there was a problem with my payment of $861.50 dated 1/16. The account came back as code RA02: account closed, which falls in line with the account being frozen. They never issues a right to cure default, just an email to my junk file telling me to check with my local banking institution because the payment had not cleared the local clearinghouse.
Something needs to be done about this. You have a company that took government funds to bail themselves out financially and they habitually screw the people over that paid into the taxes that allowed them to get that money. I hope someone sees this, an attorney that would proceed with a class action lawsuit for questionable collection activities, harassment, slander and anything that can be taken in under this mess. If they are allowed to continue to treat people like this and take peoples belongings without notification, then eveyone loses.
I have filed a complaint with the local attorney generals office in West Virginia, contacted my local Congresswoman and I called the White House to complain. My local office are more proactive in helping, but agter 5 attempts to email the White House and calling the comment line, there is no effeort being made on their behalf to even contact me. If there is anyone else out there, please email with your issues at firstname.lastname@example.org so we can stop Chrysler from acting illegally and doing what they want without regards to law. Believe me, I don't feel that an email to my junk mail folder is sufficient cause for repoosession and I know that it is not a valid form of notification. They should have sent a registered letter with a return receipt to make sure that I got this.
I have the documented proof.
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