Chase Auto Finance / Loan

In December 2001 I purchased a 2001 GMC Sonoma through

Chase Auto

Finance. Chase Auto Finance offers the option to pay

over the phone by

check and they claim that you can post-date. I have

only availed myself

of this once, but will never do it again. Though my

payment history has

not been perfect, over the past 4 years there have

only been a couple of

payments made after the end of the grace period.

These are recent and

are due to medical debt, so I must budget very

carefully. On this

particular occasion, my payment was 4 days late and

they called and

offered me the option to pay by phone. I told the

woman on the phone

that I would make the payment that Friday at the bank.

The

representative pushed the pay by phone option. I

repeated that I would

not have the money until Friday, and she said I could

post-date. They

did not wait to process my check as promised, though I

told the woman on

the phone 3 times that the money would not be in the

account until that

Friday. It caused overdraft fees on my account. When I

complained, I was

told I would be sent a check for the overdraft fees. A

month later when

I called to inquire about this, I was told that my

claim had been

declined and I needed to fax them a statement from my

bank proving the

overdraft had occurred, and they would then "research"

the issue. In

time if I am aggressive enough, I may get the money

back - that remains

to be seen. However, the overdrafts caused me to have

to go without my

medication and of course, the burden of proving their

error is on me.

Furthermore, the people I spoke with on the phone were

uncooperative and

rude. I am also told there is no complaint

department, but I may send a

letter to their "mail stop." This is not the first

problem I have had

with them. At one point, they stopped billing me and

it took months to

get them to start billing me again. I kept up with my

payments, but the

first month I didn't get a bill my payment was late

and it cost me a

late fee which I was never able to recover. They don't

make enough

money, so they have to gouge the customer in every

possible way? It

seems to me that these people are unorganized and

irresponsible. I will

never deal with them again.