Dear Mr. Nader;

This is why we need YOU more that ever. Maybe you can use any of this for your campaign, its so horrific. Not once, but twice, I found it hard to be an American.

1. CHASE AUTO FINANCE NEEDS TO BE UNDER FEDERAL INVESTIGATION FOR THE enclosed documents; I truly believe from internal Chase employees actions there are millions of us over charged interest.

I had to hire an hourly attorney to fix Chases mistake (using my last bit of savings) and found this week, I will never get my money back. Ive never monetarily recovered and in debt from the first corporate hit on me of renter Toxic Mold mico toxin. www.renter-rescue.com

Attorneys wont sue on contingent for - us - little people - for a small breach of contract on i.e.: 4k-5k-6k. The law appears to allow only actual monetary damages of the breach of contract. It appears the breach of contract law is written only for large corporate America because mental anguish, punitive damages and. are not applicable (from what Attorneys tell me, in cases like mine, there are a lot of me-ss). So stuck with my attorney costs, was stuck in a loan, and the seven year ___ they put me through. The Chase VP letter calculations still dont add up. He did one heck of a tap dance in his letter. The big abbreviation for - us - little people - is; SOL..

Therefore, if you look at it from a -street smart - standpoint of only the actual monetary damages of the breach are allowed for Chases favorable littler miscalculations. Than its legal for Chase to miss calculate interest loans to their advantage. Attorneys mention companies like Chase know (in most cases) the customer is unable to afford an attorney. The customer finds it easier to pay Chase the money they should not owe, and walk away. Therefore, Chase from a - street smart - standpoint legally gets to keep our hard earned money even if they are in breach of contract. No wonder theyre worth trillions. No wonder Im broke.

AND, I believe if you look at it the - street smart - way of life; that makes it - legal - to over charge interest to millions of customers only during the years they need a stock price elevated. Or, considering a sell to Bank One while needing a booster on sale price. Then covering up my reaffirmation contract.I made 70+ calls before I was forced to hire an attorney.

After my extensive investigation and desperate attempts to see why my loan was a mess.I truly believe a federal investigation into their loans will uncover extensive corruption. If it was not for the 18K Maturity Notice coming, I would have never thought a trillion dollar company could not do a simple interest loan.

2. AS IF THAT WAS NOT ALL I HAD TO DEAL WITH AND FOUND HUNDREDS OF OTHERS FROM MY WEB SITE; www.renter-rescue.com

Billion dollar landlords are getting away with building and or renting toxic mold/mico toxin apartments. Attorney dont find it worth the cost of litigation to fight for one little renter.

Therefore, AGAIN, if you look at the law from a - street smart - point of view, it might as well be legal to rent toxic apartments. Of course, there are no true penalties against these landlords and again us -little people- crawl away, madder and madder at the government for not protecting us against these corporate crimes. We loose everything.

The government keeps wanting - us - little people- to put our money back into the economy. BUT, how can we? The big corp guys keep illegally stealing it from us and legally get away with it. We are not worth the cost of litigation on contingent and we dont have money to pay an attorney their required $300.00/hr fees. There are no true penalties to make these companies legally accountable to -us -little people-. Therefore, its legal for them to be illegal.

And, IF - one of - us - little people- are not involved in; #1 and #2, of the above. then they are most likely stuck working for a billion/trillion dollar corporate America that will not pay them enough against the climbing cost of living and /or will put them in a toxic work environment with dirty vents blowing on them all day. And, its all legal from a - street smart - little person - standpoint.

Im a headhunter/recruiter and loved it. You ever sat in a room with 100s of people in cubicles, no windows for true light, only breathing re-circulated and toxic air, not making enough money to have a nice dinner or take a vacation . I saw this all the time.

Dont even try to complain to your HR department. Ive been there at the executive level meetings. THEY are in a nice area of the company which has natural light, clean vents. HR will document you in the computer system as a risk employee sooner than they with acknowledge the problem and help the employee by having the vent filter changed. So again from a - street smart - standpoint -little people- have no rights.

Then, we hear our government say they are cutting little checks for -us -. You are asking -us- (the corporate screwed - little people- to circulate more money back into the corrupt large billion/trillion dollar corp America. Your asking -us- to support the billion/trillion dollar corporate America that screws -us- little people - every minute for anything they can illegally get away with. Your asking -us- to support a billion/trillion corporate America whom has already made millions off -us- little people- by legally----- illegally miscalculate our loans to their advantage. Or, selling us poor products sent to market -un-tested- properly because the billion/trillion dollar corp needs the money quicker. Or, not be accountable for offering true customer service should we find a problem with their services and products. Even more so; your asking -us-, the -little people- to support and help grow a billion/trillion dollar corporate America that is sending our jobs overseas while our government is also sending most our tax dollars there too.

I-ve had too many seasoned professionals cry on the phone to me because they are loosing their jobs to oversea-s employee-s. Corp America hires 2-3 of them for one seasoned professional position here.

You should hear the jokes we make on all this. After we had a good cry.

Most people crawl away. However, my grandpa, who was a Naval Aerospace Commanding Engineer always told me to fight. I was raised by a military dad as well. I was at the White House once and all over WA when little, every summer on the way to the Ocean City, NJ shore.

Its all below on what really happens to us little people.


CHASE DETAIL STORY with docs enclosed -

RE: JP Morgan, Chase Auto Finance, Garden City, NY - A Seven year mess continues.

Chase charged me over $23,000.00 on a simple interest - $48,235.00 loan for a BMW. I put $30,000.00 down on the car. Chase sent me a Maturity Notice for approximately $18,000.00 more in November 2007. My loan started 11/2000.

I reaffirmed in 2003 - simple interest at 9%, that-s when real trouble started of miscalculation of interest to their advantage. Looks like I paid approx $17,000.00 interest with $12,000.00 principal just after the reaffirmation. Additionally, looks like from the Chase loan summary sheet they did not apply any principal at all to my loan for months on end. This prevented me from selling the car due to, too high a principal amount. Then threatened me extensively with collections and repossession, again and again, stating they would find me no matter where I went. After an attorney, I was forced to hire, I still cant get an accurate calculated loan summary. But the Chase VP lowered the loan pay off about $14,000.000. Now stuck with attorney costs and still a miss calculated loan.

After sitting on hold over 70+ documented times; transferred around and disconnected -

All I ever heard - over and over and over - for several hours at a time is:

-Chase the right relationship is everything...., - Chase the right relationship is everything....

Due to sickness I tried to sell the car and upside down on the loan because of Chase.s inaccurate principal/over interest calculations, always short about 5-6K (which was huge to me). My payments at $858.98 were killing me. I was illegally forced to stay in that loan.

In 2006-2007 for months off and on, they stated my payments were not due and then I received an 18K notice to .pay or else with collection notices.. Without my knowledge Chase changed their computer system. It appears in a desperate attempt to correct, inaccurately, toward the end of the loan. Now 160K miles and forced to pay high maintenance costs to keep it running, I still don.t get an accurate payoff to my loan with an accurate .loan summary..

I made over 70 documented calls (ACT data base notes) to Chase since 2003. I have all my phone records for the duration of my loan. I was forced to hire an hourly attorney when I received the 18K notice 11/2007 to stay out of repossession again. Looks like they illegally repossessed the car twice.

The Vice President- Chase - Andy Sulfsted - 602-221-3835 finally acknowledged there was a problem with my loan only after an attorney was involved. He stated I had a 9% simple interest loan. . Mr. Sulfated stated I had a 39 mo loan when it's actually 46 month as I have the payoff coupons. Per the Edmonds.com car calculator Mr. Sulfated, shows - a tap dance- of calculations which still do NOT add up to the correct payment we calculated. Additionally, Mr. Sulfsted stated: the reaffirmation terms were based on an outstanding balance of $34,517.23. HOWEVER, Chases principal and interest full loan calculation computerized summary shows my loan was calculated during the reaffirmation at $28,708.42 and Mr. Sulfsted is WRONG or LIED to cover up.

Mr. Sulfated sent a letter of somewhat apology in January 2008, with lowering the loan amount to $4,294.00. However, their collections is still threatening repo for approximately $18,744.00 now. Mr. Sulfsted will not return my calls since my hourly attorney is not on the case. Therefore, it appears I am threatened with repossession and collections in which they will find my anywhere, for a loan amount I do not owe still. When Chases so called Vice President was to re-calculated and fix it !!

The Chase VP also stated he enclosed the reaffirmation contract with his letter to my attorney. AND, he did not enclose it. He only enclosed the original contract I signed with Sterling BMW. My Attorney and myself have never been able to get Chase to turn over my reaffirmation agreement. Now I'm stuck with attorney fees too.

My hired attorney stated in correspondence to Chase that it was the most messed up loan hes ever seen. Chases collections were all over me. They had already previously filed (2) liens (for one instance) in OC courts when I was not to be in repossession in 2005. But as a little person who means nothing in America, I was stuck with the (2) illegal liens on my record in the court house. They showed 'open' and in repo for approx 3 years. They also filed the liens prior to their 30 day deadline for me to dispute per their own correspondence.

I tried to sell the car on many occasions to get from under the high payments/ high maintenance costs of a BMW. Brakes; $1,800, tires $2,000. Approx $4,000-$6,000 per year maintenance with leaks etc. Car now has 160K miles. I had to barrow money from friends, at times; to make my Blue Cross monthly payment, food, doctor bills, etc, as I was sick for many years and still have doctor bills outstanding. I needed a car for Dr appts and was upside down on the loan. The high cost of mo payments and maintenance were killing me. The value of the car was MUCH, MUCH lower than the principal amount. I was stuck with Chase loan for years and could not even refinance with another company. The stress of having to borrow money from friends was horrendous.

Chase credited payments and un-credited them charging me late fees. Chases loan summary shows a great deal of payments were not credited to my account until about a year later. A collection person stated my checks bounced when I tried to explain the problems. I have every check written since the duration of my loan and none bounced. About 11 of my payments were not credited until a year later.

In 2001 I was paid one year in advance. Chase did not credit my payments until 2002. Threatening me with collections over and over, never fixing my loan completely. I had to call in and get them to do their jobs right all the time on my loan. Chase sends me (2) different types of loan summary notices. One showing payments applied correctly. The other loan summaries showing payments not credited for many months. Its as though Chase keep two sets of books.

I made over 70 calls to Chase since 2003. All documented using my cell phone with ACT database. Chase only transferred me around to many different departments; reaffirmation, BK, collections, customer service (over and over with every call), disconnected me and I would be forced to call back again and again, desperately begging for help on many occasions. This caused a tremendous amount of stress, anxiety and I have a heart problem, IBS, signs of LUPUS. I get fevers when I get upset now since all this started. Cell phone records will show hours on the phone at a time. My data base notes state how I cried.

Chase repossessed the car in 2004. If the payments had been correct with principal I would have had the extra money to pay. Again, I was trying to sell the car that year and stuck upside down on the loan too. I was charged extensive repo fee's. It loan was calculated properly, should have had extra money. I tried to explain to their collections, I woke up my car was gone. I have lived in fear since of my car disappearing.

Chase tried to repossess the car again in 2005. They had attorneys this time. The attorney letter stated I had 30 days to dispute. I disputed it. I should not have been behind or even been in repossession at all. However, they already filed (2) liens in OC Courts, on my record and then admitted a mistake. The liens stayed open for years and I disputed prior to the 30 days. With the liens, I was denied an apartment. It looked at though my car was still in repossession 3 years later.

Thinking I made payments to this company above and beyond all these years. while trying to get out from under this loan, with 70 calls, makes me physically ill to this day and very, very angry, stress, upset, sleepless, anxious. AND , its all legal for Chase to do this to -us -little people -. Because we cant sue. Attorneys dont find it worth the cost of litigation.

September 2007, after a Chase Manager told me in July 2007, I had an 18K balloon coming in November 2007. I was put on rest disability, my fevers become more frequent. Now stuck with attorney fees to correct their mistake. I tried desperately to understand the mess with my loan. Chases representative, Managers, and many employees would not help me.

End of December, again, I could not sell the car as the pay off amount is much greater than the loan amount. I was forced to put another 3500 to keep it running, the steering went out. Now my radiator is leaking and the suspension is out. I need to get out from under this mess and them mentally termoiling me with illegal collections and inaccurate accounting..

I want restitution from Chase and desperately need a consumer activist attorney on contingent. I have all documentation since the origination of my loan. .

This company will not stop their illegal ways until someone stands up to them.

My hourly attorney wrote on my behalf:

Ms. ________:

I hope this works out for you. Chase really jerked you around and you did not deserve that. They do that because so few people actually see an attorney and hold their feet to the fire.

Good luck on this.

Attorney; Bob ______


On the very worst side of this;

No wonder teenagers are so angry they shoot up schools. They see no future, after, most likely, over hearing their parents in all these messes while their on the phone crying to get help after loosing their hard earned money to illegal, un-litigationable, corp. America tactics. They are in pain seeing their parents in pain; whom may, or may not, be taking it out on their children physically or mentally..who knows for sure but the shootings are another example things need to change this year more than ever in the history of the United States.

After all I went through, I believe the change needs to start with a happy consumer & corp america -illegally- legally- running this countries little people into the ground for profit. Then more honest money will be circulated on a regular basis in America. Less stress. We are pulling back our money more than ever, and its all due to corporate Americas illegal actions that from a -little persons - standpoint shows is legally done against us.


Best regards,

I would really like to hear from an attoney. I have all documentation since the origination of my loan - including many Chase loan summary's.

Since I made over 70 calls to Chase begging for help, disconnected, transferred. Not helped at all...while listening to - Chase the right relationship is everything...over and over hours on end...

I put my docs in pretty professional binders and sent (ing) to news, radio and government agencies including the FBI.

However, the reaffirmation agreement that Chase wont turn over and would never turn over, I still don't have.

Chase VP letter stated it was 9% simple interest loan.

I would be happy to mail attorneys my binder for help.

You may reach me through renter-rescue.com

I was contacted by Chase Finance with regard to my auto loan payment which was less than 30 days late and the representative stated in the voicemail that I needed to contact him within 1 hour to arrange the pickup of my vehicle for repossession. I contacted customer service and informed them that I was waiting on my tax return and that I was not working at the time and I would have my payment made before it was 30 days delinquent, after speaking with a supervisor they informed me that I had to make a payment to bring it current or it would be repossessed, and I agreed to make payment on 2/8/08 when I received my tax return. After receiving my tax return from the federal government, I immediately went to the Chase Branch at Easton Town Center in Columbus, OH and made a payment BEFORE the end of the business day, and I seen that the payment had posted when I logged into my account online. My payment each month is $394.68 and I paid $450.00 which should have covered my payment as well as any late fees. Tonight, Monday, February 11, 2008 I was about to leave my home and when I found that my car was missing, when I contacted the police to report it stolen I was informed by the dispatcher that it had been reported to them as repossessed. My car has been taken to either Cincinnati or Cleveland, OH and my loan is paid current. Chase had no reason to repossess my vehicle; I was not in violation of my contractual agreement with them and my account was paid. When I attempted to contact Chase at the number listed on my statement I was on hold for nearly a half an hour and then was transferred to at least 4 people before being given a contact number to talk to someone to get my car back. When I called the number that I was given I was directed to another extension which then directed me to another and another, throughout this I left a voice mail message with at least 6 different people with regards to my car and have not heard anything back yet. Then I contacted a call center in Tampa, FL where I spoke with a supervisor who stated that it was even notated in the computer on my account that my car was not to be repossessed and it still was.

I received a return call this morning with regard to the car and I was told that I would not get the car back unless I paid $784.89 which is including my payment and the repossession fee, and that there is NO GRACE PERIOD on my account regardless of what is stated on my contract!!!

PLEASE STAY AWAY FROM THIS COMPANY, THEY WILL RIP YOU OFF!!!

I purchased a car from a private seller last week and went through Chase Auto Finance for my loan. Once I got to the closing I signed all my paperwork and then they asked for money to pay for the title transfer, tax and plates. I thought it was no big deal, because it was somewhat similar to what a dealer would do. However, after paying this money I was told that they would mail me my plates, but could not give me temporary plates. WHAT?

I asked how long it would be for me to get the plates in the mail and they said they could not tell me. It could be two weeks or over a month. So, I said that I will go over to the Secretary of State myself to get the plates, but they won't give me the title or paperwork to get it done. So foolishly I decided that if this is how it's always done, then that's what I'll do.

Of course I realized shortly after the fact that I do not have a garage, or even a driveway to park my car that has no plates on it (the girl I bought the car from wanted them back). As you can imagine, it's illegal to leave a car without plates on a city street, I don't have temporary plates, and I have nowhere to park it. What the heck am I supposed to do?

I called the Secretary of State today and they said they've never heard of such a thing. They checked and said the paperwork has not been submitted by Chase yet (it's been a week) and once it's received it can take up to 30 days to process. So it's conceivable I might not have plates for a month and a half after purchasing the car.

I called back to Chase and was told there was nothing they could do. The documents were shipped to the loan processing department, which is not in this state, and I have to wait for the loan to be processed before they will send my info to the Secretary of State.

The branch manager even said that the process was ridiculous and apologized profusely. Whatever you do, don't get your loan through them.

I had a joint account with Chase auto on my daughters car. I was the primary borrower and she was the cosigner. In August 2007 she refinanced the car in her name only to build a credit history. She went to our local Chase branch office and did a refinance. To this day Chase refuses to close my loan account I had with them. They insist I owe them over $200 in late fees. Well it turns out the finance officer at our local brance did NOT refinance the CORRECT amount owed on the car from the original loan. After still receiving monthly statements from Chase, I called them twice. My first call in Sept 2007 they said I owed $60 in late fees, I paid the $60 and said they would close the account, NOT! In October 2007 I received a monthly statement saying I owed them 78 cents! I called them and they said the PRINCIPAL AMOUNT on your billing statement is NOT EXACTLY WHAT YOU OWE to pay them off. The cust rep said I owe them $150 now in late fees to pay them off and close the account. Im telling all people now- SOMETHING FISHY IS GOING ON AT CHASE AUTO FINANCE!!! They pull money figures out of thin air! When I asked why my statement was showing $0 dollars due they said, oh the loan doesn't mature until 2010. So lets see, they would continue to send my monthly statements showing $0 due, while they hope you dont inquire what you actually do owe, all the while they keep adding 8.00% interest onto the amount you actually owe! BUT you never see the actual the amount you owe them on any monthly billing statement. Other complaint posts I've read here said they are being investigated by the IRS for FRAUD. God, I hope so! This company is class action law suit just waiting to happen! STAY AWAY FROM CHASE AUTO FINANCE!!!!!

A payment arrangement was made with a representative from your company and the company still repossessed the vehicle before the agreement could be kept/honored. When the agreement was being compiled the company never said the vehicle would be repossessed.