Complaint Review: Chrysler Financial

Chrysler Financial can't reconcile payments made by their customers. I leased a car in August of 2007 and my father co-signed with me. In July of 2009 he filed bankruptcy due to my mom being ill with cancer and couldn't afford the medical bills. He made sure that my name was clear of the claim with his lawyer. I always paid my payments on time through their website with no problems. However, after my father's claim went through they discontinued my allowance to make payments online. With that being in effect, I was forced to call and make a payment (which occurs a processing fee) or mail a check. Each time that I tried to explain to them that I had nothing to do with the bankruptcy they didn't want to hear anything about it.

I fell behind in the Summer of 2009 with payments due to trying to help my parents out with medical bills. However, I caught up and at the end of 2009 I made 12 months of payments. I have my bank statements to prove the electronic payments and checks that were mailed. I made a payment in January of 2010 and than missed February. On 3/18/10 I called to catch up on my payments and the rep told me that I owed January of 2010. I asked for them to send me the statements to show that they have the months mixed up and I'm 30 days late, no 60 days. Their response was they couldn't discuss with me because of the bankruptcy. Once again, I tried to explain that I had nothing to do with that claim and I should be getting statements and a fair explanation as to why they keep screwing up my payment history. In any event, I made a payment of $758.00 to be up to date on my account.

On the morning of 3/19 my Jeep was repossessed. When I called Chrysler they told me that the rep forgot to cancel the order and that I was indeed up to date on my account. But, I need to call their redemption center. I call them, they than tell me that I owe what is left on the loan? When I question that and prove that I made payments the prior day they than tell me that they need to review the account with a manager and someone will get back to me within an hour. Never did. Called three more times from 8am - 1pm. Kept telling me that they couldn't give me any information on what was being decided. Finally called again and they told me they reviewed the account and that even though I made the payment on 3/18, I still owed March's payment (which was only 2 days late at this point). So much inconsistency it's mind blowing.

They than proceeded to tell me that in order to get the car back I had to pay the repo fees + March payment + a copy of mine and my fathers proof of income + copy of the insurance policy with Chrysler as the Lien holder + 6 recommendation letters. I seriously blew up. I was willing to make an extra payment if that meant getting my car back (even though my bank statements show I'm up to date). But I will NOT be bullied into providing paper work and extra fees just to delay their process and win more money out of my pocket.

I have all of my statements printed, copies of cleared checks to prove I'm up to date. Additionally, I have an appointment to see a lawyer on Monday night. I much rather pay the lawyer fees and get the car back than pay Chrysler anymore money that is not owed to them at this time. They want to fight, I'm ready. I will go all the way to the Attorney Generals Office on this one. They had no reason to repo my car. They screwed up, the repo guy never got the canceled notice and now they want me to pay the damages. NOWAY.