Chase Auto Finance Scammed me out of $2,200 and then putting in my credit report that it was a charge-off even thought I paid it. Fort Worth Texas

The income is extremely poor in this town but I managed to keep up with my auto payments until June, 2019 when my car stopped running (the exact month of my auto loan maturity).
- None of this has NOTHING to do with the requirement to make your timely payments on your loan.

I would understand more if I only continued to make the payments without adding in the late charges and interest fees but I did include them in each late payment I made.
- This is an interesting statement. How did you know how much in extra interest to pay? You stated that you were late 7 times within 30 days, but that means you were late 4 times beyond 30 days from your own admission.

Depending on the exact situation and loan terms, you easily be looking at an extra $10-$20 per day in interest which could end up being several hundred dollars each time you were late. Since interest still compounds on the additional interest and late fees it could be conceivable to be $2200.

I was also told that I had to come up with the entire $2,200 at the end of the maturity or else it was going into collections.
- You were told correctly.

I told them I did not have that kind of money but I would continue to make payments until I pay off the additional $2,200.
- You can tell them anything you want, but unless they agree to in in writing it doesn't mean a thing.

I always thought that a charge-off is when you don't make any payments for 120-180 days. I never stopped making payments until Chase was totally paid off. Is this legal????
- You thought wrong, you did not pay the debt as agreed by paying the required loan balance by the maturity date.  This is totally legal and very standard.

The loan matured in June of 2019. Meaning that at that time any remaining balance is due and payable by you. Since you failed to make the full payment you were considred in default. You are lucky that the only thing that happened was that you got reported as a Charge-Off. As they would have had a legal right to reposess the vehicle. Which would have required you to pay the full balance, plus repo and storage fees or they would auction off your car 10-15 days after they reposessed it.

I am an extremely angry customer who worked hard to pay off this car this year only to find that Chase Auto Finance screwed me in the end by scamming me out of $2,200 extra dollars and then putting in my credit report that it was a charge-off even thought I paid it off.
- You worked hard to pay off this car because your loan matured and that is what you are supposed to do. Unless you can prove that everytime you were late you made the appropraite payment to handle the late fees AND interest the $2,200 is valid. A "Charge-Off" doesn't remove your responsibility to pay the debt, so had you not paid it off by now you would likely not have a car, and have a reposession on your credit as well.