Complaint Review: Chase Auto Finance - Fort Worth Texas
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
*Consumer Comment: You are incorrect
I purchased my vehicle in March, 2013 in California and moved to Las Vegas,NV in August, 2018. 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). I noticed that before June that my balance was approximately $2,200 which I didn't understand so I contacted Chase.
They told me that I had made 11 late payments; 7 of which were less than 30 days late and that the late and interest of those payments were added to the end of the maturity even though I paid the late fees at each payment. They also told me that this is also in my auto contract given to me by the dealer at the time of purchase.
I looked over the contract and nowhere in it was any mention of additional late fees and interest tagged on to the end of the maturity due to late payments if I made them. 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.
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. 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.
After I finally paid off everything I looked on my credit report and they listed my account as a charge-off even though I continued to make the payments sometimes 2 payments in one month and I have received my owner's certificate from the DMV.
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???? Does anyone have any advice about how to get this fixed.
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.
This report was posted on Ripoff Report on 12/27/2019 05:16 PM and is a permanent record located here: https://www.ripoffreport.com/report/chase-auto-finance/fort-worth-texas-scammed-1489613. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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