Chase Auto Finance Said it was a Repo when it was totaled in a car accident Pheonix Arizona

I had a van financed through chase auto finance. Last year my husband and I were involved in a head on collision accident. The other guy was a fault and he admitted it to his insurance company that he hit us head on. I still owed 13,000 on it and I was current on my notes. Well when the guy hit us I didnt have the money to pay the monthly notes. I reported the accident to chase like I was told to do by an attorney. They had the nerve to ask me when was I gonna make a payment on the Van. They were so rude didnt ask if anyone was killed,hurt or anything. All they were concerned with was the following months payment. My husband and I were injured and we couldnt work so we missed days. We barely had money to live off of. The harrassing phone calls started and when I told them we didnt have the money to pay for something that was already totaled they got nasty on the phone with us.

The insurance company paid fair market value for the van and it left me with a balance. They called saying that eventhough the Insurance company paid for the van they were still expecting me to pay the monthly note as if the van was still in use. I told her that I couldnt pay for the totalled van plus pay for another vehicle also. She told me that wasnt her problem and for me to send something in anyway. I didnt and the calls kept coming in. Well Chase had the audacity to send someone to my home demanding a payment. I didnt know who he was so I spoke to him through the phone. He got a attitude because I didnt invite him in. He then demanded that I get on the phone with someone from collections and immediately speak to her. I told him no for her to call me. He stayed at my front door until I picked up my phone. I had to end up slamming the door on him and threatening to call the police if he didnt leave my property. he asked me how could I live in a big house pay my mortgage and not pay them. My mortgage is first and foremost. Anyhow the collections lady then demanded that I call gap insurance and file a claim with them. I did and it was turned down.

Anyhow they ended up sending it to collections and putting it on my credit report. I thought ok three thousand dollars ok whatever I will pay it when I get it. The collections department started sending me thratening letters saying that when I go to file my income taxes they were going to keep my refund check. I know that wasnt true because creditors arent allowed to keep refund checks. They harassed me on the job and made my life a total hell. I went to get financing for a New Vehicle and was told I couldnt get the 08 that I wanted because chase had put on my credit report that it was a repo charge off insted of a charge off. I only qualified for a 2002. When I called chase to dispute the repo she Bianca got argumentive with me and was real nasty on the phone with me. She wouldnt answer any of my questions and she wouldnt let me speak. I had to end up hanging up the phone in her face because she was so rude. Anyone who I know I will not reccommend chase at all to them. They are a bunch of scam artists and rip offs. Now I have to go through the three credit companys to dispute the repo that chase has on my report. How is it a repo when it was totalled in an accident.

Quinn
Lithonia, Georgia
U.S.A.