I have been 15 to 30 late on my car loan with Chrysler Financial over the last few months. I understand a collection calls are necessary but i don't understand calls from 8am in the morning until 9pm at night. I receive over 40 calls a day combined with my home number - office number and cell number. I was told today by a very rude Chrysler collection agent that until they get the payment the calls will not stop and can increase it is the way collection agencies work. I have received call from Chrysler while i am talking to Chrysler.
I have to believe this is against the law or principles of collection - shouldn't they ask the reason your late - ask for a payment date and if you agree stop the calls.

If anyone else are having this happen to them comment back and if there is an attorney out there help me stop them from doing this to everyone.

So my wife before we met went through crystler financial we now make the payments together and cant quite make a full payment each month but do what we can they have called her work place over and over and over even after told not to they also caleed family members and now went to the insurence co and are going to try to claim the money if somthing ever happens to the car june is her cut off date and shes already paid twice the amount of the car its insane so ill talk to her and i think you might have us with you on the class action suit

I think something should be done about the nature of auto loans in general, and what happens after a repo. When an auto loan is signed, its a contract for money and physical goods. You agree to pay X amount, we let you keep your vehicle. Interest is part of the loan for the company to make profits. I understand that. But when it comes to repossession, enough is enough.

For example: I purchased a truck for $22, 000, financed through chrysler financial. After fees and blah blah blah i forget what the exact balance was, i think around $27, 000. I paid for about 2.5 years before, hard times came, and couldn't afford the $528 monthly payment. In total that is roughly $15, 840 in payments i made to chrysler financial. They repossessed my truck, and it was sold at an auction for $14, 500. They get to keep that money. So all in all, Chrysler financial has been paid over $30, 000 for a $22, 000 truck. Being that they didn't get enough to cover the remaining balance, after fees I now owe a balance of round $7000.

I now have to pay, for something I don't even own, and they have already made an extreme profit from this situation to begin with. Something needs to change.

If you think they are bad with a good standing loan, they are just as bad with collection for remainder balances also. While I don't not think its fair, I contacted them to work out a payment arrangement for the balance. The only way they would work with me is to put 10% down ($700), and pay minimum of $250 a month. If I had that kind of money, I would still have possession of the truck and wouldn't be going through this. So off to collections it goes, and probably to court.

This is crazy. They made their money off me. Yes I know, i screwed up. Life happens and we all can't be perfect. There needs to be something done about this. Its just not fair to keep bleeding money from people that don't have it. Loan contracts are traps, If anyone has any ideas to go up against this, I say lets start a movement and quit being shit on by the big companies like chrysler financial.

At the time we leased our Jeep Grand Cherokee, the finance manager said that our credit was poor as we were behind on some debts already. We told him the recession had hit us and we were struggling. The finance manager said that he could not lease us the car for the $515 payment that had been worked out with the salesperson...but he could lease us the car at $540. After two years of perfect payments in the three year lease, we were five days behind on the payment and the collection calls started, eight to ten times a day, calling home and work every two hours. The callers were rude, callous and inconsiderate. When I mentioned their bailout they said "we paid that back". Yes, true, but you got help when you needed it you predatory bastards. Give the consumers a break, not that it will really matter since you will be out of business soon enough. Even the conspiracy to bring down Toyota can not save a company as deceitful and shitty as yours. Good luck with the collection calls when you don't have a friggin job!

Chrysler Financial's Collection Department has the most disrespectful customer service reps. I have NEVER dealt with people so RUDE! They cut you short, will not let you finish talking, speak over you, literally ARGUE with you, admit their fault but will not acknowledge responsibility and some will even rudely attempt to hang up on you. I'll admit, in the past I have been late more than once on my car payment, but never past the 30 day mark. I am fully aware that when I am late I acquire a late fee. Fine. It's my fault, I'll pay the fee, NO PROBLEM. But the reason for my complaint is not solely due to un-reversed inadequate late fees and inadequate credit reporting, the reason is LARGELY due to the RUDE collections reps. I lost my job and was having difficulty keeping up with my payments, but one way or another I would always make ends meet. One month I called in to make my scheduled monthly payment (which WAS a little late) and the associate recommended that I get an extension for the next month's payment in order to ease my financial status. I thanked her and proceeded with the extension, which included paying a small extension fee plus interest. To make a long story short, I received the extension form in the mail, signed it and faxed it back. In my mind everything would work out great. NOT! The month following the extension I logged on to make my payment and noticed an outstanding balance of twice the amount of my usual monthly payment. I tried to make my payment for that month and was rejected because their on-line system could not accept "PARTIAL PAYMENTS". I immediately thought, "This must have something to do with the extension form." I got on the phone and called customer service. I wanted to know why was my balance was more than the usual month's payment. The representative stated that I was past due on the previous month and that now two months worth of payments were due. I explained to the associate that the previous month had been granted an extension (meaning: an extension pushes that particular payment to the END of your contract, it adds on an additional month because it waives your payment for the requested month). She said, "Yes, I see that here but we have not received the signed extension form." I explained that I had already faxed it but that I was willing to fax it again. She agreed. I went down to the local Staples and faxed the form for the second time. The next day I figured everything would be fixed and that I would be able to log on and make the payment. WRONG! Nothing had been updated. I called a second time to inquire on the status of the form. They claimed for the second time that the form still had not been received and that I should fax it a third time. Meanwhile they recommended that I make a payment over the phone as oppose to making it online because their online system was not going to accept any amount other than the incorrect outstanding balance. I always preferred to make my payments on-line because it was free. If I did a pay-by-phone they would charge $12.95. I then explained to the associate, "Why should I have to pay $12.95 to process the payment over the phone when I could pay it via on-line for free? If you all were to do your jobs right I wouldn't be having this issue and I would be able to make my scheduled payment on-line for free as usual!" She apologized for the inconvenience and recommended that I wait a few days to see if the form would eventually get updated. Days passed and then I began to receive collection calls. Every associate would begin with, "This call is being recorded. You are past due on your 2006 Charger and we need to set up a payment TODAY." I would explain to them the situation and they would go about asking me how many times have I faxed the form? What number did I fax it to? Whom did I speak with? etc.. By the end of the call I had them apologizing, once again, for the inconvenience and assuring me that the form would get processed soon so that I could continue with my payment. I must have talked to 6 or seven different collections officers, all promising the same thing and nothing ever got done. By this point I was furious and just wanted the matter to be resolved. I was literally calling in every third day to check up on the status of my form, it was always the same response, "I don't see the form filed ma'am, but I will open up a work basket and have this issue escalated. When all this is resolved all late fees and credit reporting will be waived and corrected." This was the response I must have received from about 3 or 4 customer service reps. Two entire months had gone by and nothing was resolved! I was calling in asking to speak to supervisor after supervisor after supervisor and they would just give me the run around, once again always suggesting that I pay the $12.95 and process my payment over the phone. Why? Why should I have to pay that fee when I can do it on-line for free. They were firm about not being able to waive the processing fee, even though they knew that it was their fault that I wasn't able to make the payment online. Two and a half months had elapsed and after faxing the form FIVE times, to different individuals who promised they would receive it and personally process it, I finally got it into the hands of a responsible supervisor and it was adequately processed. By this time I had already "MAILED" in my normal payment, just to avoid the processing fee. The day after the form was processed and payment was received I called to make sure that the fees were going to be waived and that my credit report was going to be fixed because by the end of the ordeal they had reported my loan 60+ days past due! That's HORRIBLE! They declined to do any of that. I asked to speak to a supervisor. I was transferred to a Mr. Rollins. He didn't even want to hear me out. He was rude, interruptive, assumptive and just had no desire to understand my situation nor was he going to allow me to speak to anybody else. He said he was a supervisor and that there was nobody else that was going to do anything else for me. I spent about an hour on the phone with him trying to explain my situation, but it was no use. By the end of the call I was frustrated, confused, angry and hysterically in tears. At one point during the call he acknowledged that previous associates had indeed confirmed that it was an internal mishandling error and that my fees would be reversed. And even then he stated that although the associates had made false promises to me, nothing was going to be fixed. Still he showed no remorse for his words and advised me to simply pay the late fees, that were over $100, and just move on with my life. He said that was going to be the only way to have my matter resolved, was to pay the late fees. That night I cried myself to sleep. I spent the next morning looking over months worth of statements and jotting down information so that I would be fully prepared when I called again to have the matter reviewed. I felt confident and more determined than ever. Upon the associate answering my call I immediately knew this wasn't going to be a good conversation. The associate (Mr.Martinez) answered and an unpleasant tone and was very cut short. He asked for my loan number and quickly came to his own assumptions. He spoke loudly and over me and even argued with me. I began to get frustrated. I asked to speak to a supervisor. He yelled, "Hold on!" and placed me on hold. I was furious because he was so rude. When the supervisor came on the line (Ms. Adams) apparently she had her mind already made up because she too was unwilling to hear me out. She said to stop arguing and live with it. That nothing was going to be changed and that my account would remain the way it is, with late fees and all! She ultimately said, "Ms. Rodriguez, there is nothing else I can do for you. The fees will remain on the account and there's nothing you can do about it. Have a good day!" I said, " Ms. Adams! You better not hang up on me, don't you dare release this call!" She paused and then asked what else could she help me with. I asked when was the next time Mr. Williams would be in and she said tomorrow. I thanked her and released the call. I continued to cry out of frustration and anger. At this point I still don't know what to do. So I found this web site and decided to document my experience. I only have one more year to pay off my car, but if I had the money to pay it off right now I definitely would! I wish I did! I will never finance with Chrysler Financial again!!!