Chase Auto Finance

After four years and nine months of paying on time on a five year

lease for a Honda Odyssey

I received a letter notifying me the term was nearly up and time to

consider buying the vehicle

or turning it in. No specifics were offered - just a reminder.

Two months later I received a four page letter, the first sentence of

which mentioned I still had

the option to purchase the vehicle, and that Chase Auto Finance stood

at the ready should I

elect that option to make the loan. The balance of the letter was

dedicated to informing me what was expected

of me should I decide to turn the vehicle in. I read on with some

amusement, since I had long ago

decided to purchase at the originally agreed to residual value of

$12,213.00. Since this vehicle

is among the most sought after, highly rated, and high value

passenger vans in the world I knew this was

a smart move; especially so since I had already negotiated a deal on

a new Honda Odyssey wherein I

was to receive over $16,000 trade in value on the 'old' one. The

letter went on and on about how I

would be charged for this or that, and the tone suggested there was

no way I would not get 'dinged' for

any number of defects.

Since I had recently had new brakes installed, purchased new tires,

as well as the 60,000 mile major

tune up, more than $1,200.00, in anticipation of the purchase, I was

not entertaining even remotely,

the possibility of turning it in.

But Chase Auto Finance had other ideas....

Chase had a snotty little brat witch call me whose agenda was to piss

me off to the point that I would

become so enraged that I would no more purchase the car from them

than spit in my own soup. First,

she raised the price by over seven hundred dollars. Then she told me

I would likely be charged a

variety of 'exit' fees. She put me on hold three times then hung up

on me altogether. I put a check

for the aforementioned residual value and sent a letter of my

intentions via registered mail the next

day, hoping it would get to someone with a shred of ethics in

management.

Silence for more than a month. I noticed the money disappeared from

my checking account, so I

thought the matter was over and done with.

Wrongo! I get a letter from my credit reporting agency that Chase

had reported me as thirty days

overdue on my account! Then I get a call from another representative

who informs me they need

more money within two days or I will be in default and they will send

someone out to take the car

with a tow truck!

I sent them their God Damned money.

Affirming that the additional money had left my checking account I am

now waiting for the vehicle

title - and waiting. And waiting. The second check was cashed

almost a month ago, and I got

another letter from my credit reporting agency yesterday which

indicated that I am now two

months late on my Chase Auto Finance account.

Is there no justice? No way to inflict pain on these bloodsuckers

for treating humans so brutally?

I hate these bastards with every fiber of my being, even though I

realize it is a corporation that

is a piece of paper on file in some state corporation commissioner's

office.