Report: #515925

Complaint Review: Chase Auto Finance (JP Morgan Chase Bank) - Phoenix Arizona

  • Submitted:
  • Updated:
  • Reported By: Melissa — Chandler Arizona USA
  • Chase Auto Finance (JP Morgan Chase Bank) Phoenix, Arizona United States of America

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I was three weeks late with my car payment, and I am typically a little late every month.  I am never 30 days late however.  My payment was due 9/19 and I paid it on 10/13.  In the mean time, I was receiving phone calls every hour, on the hour.  They had called my immediate family, an aunt and uncle who are never on any financial information of mine as contacts, beneficiaries, etc. and they even tracked down my step-father whom I have not seen in 20 + years, and his first wife who I hardly know to try to locate me. 

When I found this out, I was beyond mad and called them to find out their protocals for their collection practices and was berated for not making my car payment(s) on time, was told they were going to come get my car) and was critcizing my interest amount (it's high). I spoke to six different people, was hung up on, and yelled at by the un-educated jackass on the other end of the phone.  The calls happen every month if my payment is not made on the due date they start harassing me.  I will never do any sort of business with them again. 

I have filed complaints with the Attorney General's office, the Better Business Bureau, and the Federal Trade Comission.  If anyone knows of any other places to go to file complaints please respond and let me know and I will pursue that as well.  I would also encourag anyone who has had a similar situation in dealing with this joke of a company to file complaints with the enitities I listed also.  It will only help.  If there are anyone filing any legal judgements against them I would also be interested in taking part in that as well.

This report was posted on Ripoff Report on 10/27/2009 06:40 PM and is a permanent record located here: https://www.ripoffreport.com/reports/chase-auto-finance-jp-morgan-chase-bank/phoenix-arizona-/chase-auto-finance-jp-morgan-chase-bank-i-have-filed-complaints-with-the-attorney-genera-515925. 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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#16 Consumer Comment


AUTHOR: Karl - (USA)

POSTED: Thursday, January 27, 2011

according to information available on the web.

If you 'Google' this- WHO OWNS THE FED BANK, WHO CONTROLS WHO VIDEO, and watch it, you'll hear how a group of banks and other companies make up the "hub", which is also referred to as an "Organized Crime Syndicate", right?

The charts that are being displayed in the above video are available on the web. Simply 'Google' this- WHO OWNS THE FED?, and go to the site with the 5 charts. (Those are the charts being used in the video.)

***Pay close attention to who is listed in 'Chart 1'. You'll be able to see that J.P. Morgan appears in 'Chart 1', correct?

So, JP Morgan Chase appears to be part of an "Organized Crime Syndicate", according to the information in that video, right?

And consider this: JP Morgan Chase has taken out $11 Billion in 'secret life insurance policies' on its current & former employees, according to information available on the web. Just 'Google' the following and read all about it-



(You can stay at this website and type in 411913 and read Ripoff Report #411913 for additional information regarding these 'secret life insurance policies'. I believe there are about $120 Billion in these policies nationwide that the banks have taken out on their employees' lives.)

Good luck to you!

P.S. If you type in 683114 at this site and go to 'Consumer Comment #2' you can read- "ORGANIZED CRIME SYNDICATE POEM"

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#15 Consumer Comment

Chase Auto Financing lots to be desired

AUTHOR: Thinker - (U.S.A.)

POSTED: Monday, January 10, 2011

Look, fatc of the matter is deadbeats or not, Chase auto a division of JPMorgan

Chase bank, with access to all they need from the fed reserve does not have to

act in this manner. I understand, you sign the loan, but life has weird turns

Chase charges higher rates for deadbeats and should give some slack.

I had a Chase loan for three months and went to a credit union to get rid of the

offshore reply call center to find out about the loan balances. Now we have a former

officer of Chase in the White house.Lots of luck America

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#14 Consumer Comment

Cry Baby Deadbeats!


POSTED: Friday, December 24, 2010
In rereading the posts on this topic, what a bunch of crybaby deadbeats. Talk about SORRY welfare types!
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#13 Consumer Comment

Tell Us, How Many Lawyers Want To Represent You After They Stop Laughing?


POSTED: Thursday, December 23, 2010

This South whatever is a typical example of subprime thinking. Because the lender begins the collection process because YOU don't pay your bills on time...its all their fault , isn't it? What a crock of sh--!!!

A "grace" period DOES NOT change the due date. A "grace period" means the lender is gracious enoughto not charge a late feeeven though YOU failed to make the payment on time.

You cancomplain to the FTC, AG, the scam called the BBB all you want. Why not include the Senate, Congress, FCC, FBI, SEC, NTSB, USGA, DOT and Obama while you're at it. People at all those entities deserve a good laugh!

Some of you deadbeats are enough to make the rest of us throw up because of your amazing lack of integrity. Come up with any excuse to blame the lender because they began collections efforts because YOU didn't live up to your end of the deal.

I realize I may have talked over your head. If so, just go out and get the average fifth grader to explain this to you...YOU turn on the collections efforts when YOU fail to make YOUR payment on time whether or not there is a grace period. Now stand by, this might be just a bit difficult to understand...if you don't want them to call you, then make YOUR payments on time.

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#12 Consumer Comment

Chase Auto Finance stinks!

AUTHOR: southcakalaka - (United States of America)

POSTED: Wednesday, December 22, 2010

I too have an on-going problem with JP Morgan Chase. My payments are due on the 11th. I have an either 7 or 10 day grace period. Regardless, the "collection" calls start the very first day I am late, despite me still being within the grace period. The calls start around 8am and usually are every hour, sometimes every 2 hrs. When I answer, it's usually an automated call, telling me to call them. They call my house and harass me, then tell me to call them? Seriously?

When I finally do talk to a human, they demand payment right then and there. (And they wonder why ppl don't answer the phone when they call!) When I tell them I'm only a day late and tell them the date I can pay, usually they tell me it's too far out and someone will have to call me back closer to the day I can actually pay. Then they say they can't (lie) stop the calls and the calls will continue. I guess they think if they harass you enough, you will go temporarily insane, rob a bank and come up with the money, just to pay them!

I am a responsible person who has come upon hard times. Period. I have never been seriously late on a payment. The latest I was ever late was 3 weeks. One time. You naysayers who want to put down those of us who are struggling don'thave a clue. Some of us are late on payments, and it's OK. We are not scum and no one has any right to judge us. You can say it wouldn't bother you, so how bout try a little experiment? Just go ONE day late on your Chase payment. Just ONE. Let them call you 10 times that first day, and get back with the rest of us and let us know how that works out for you! I've NEVER had such a terrible experience with a bank. As soon as I can refi I am and Chase can kiss my big, fat behind.

I am happy to report I reported Chase today to the FTC; I strongly encourage anyone else who is continually harassed by them to do the same. There is strength in number folks. I am also reporting them to the BBB and my attorney general. I have mailed them (certified and with a return receipt) a cease and desist letter. I kinda hope they call me again, so I can sue the pants off of the scumballs at Chase.

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#11 Consumer Comment

Boycott Chase Bank. They Don't deserve our business.

AUTHOR: Elizabeth - (United States of America)

POSTED: Friday, September 24, 2010
Chase is maybe two or three steps above an organized crime outfit. I feel that strongly about how badly they rob thier customers, there's no putting a pretty spin on it.

I've recently closed my Chase account after they swindled over $300 from me in excessive fees. The trick they used was to withhold part of my payroll check- the same checks I've deposited for years in thier bank, and then claim I was overdrawn. Then for the time my account was supposedly 'overdrawn' they charged me a $35.00 fee until the charged racked up to $300. They explained the hold on the check, but never would give an actual reason why it was placed. They also addmitted fault and refunded two of the excessive charges, but said they couldn't refund the entire amount.

Basically, they found a tidy little loophole to steal $300 from me- I may as well have handed my ATM card to a theif and given him the pin.

I'm keeping my money as far away from Chase as I possibly can. I doesn't surprise me this bunch of theives also took federal bailout money.

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#10 Consumer Comment

Chase is definitely greedy

AUTHOR: Skiper - (USA)

POSTED: Tuesday, September 14, 2010
You are right on target.  Chase will hound you merciless.  They are arrogant and they will not listen to you.  They can care less about you and will not work with you.  Chase claimed that I was behind 9 months on my mortgage payments.  I have paid receipts and cancelled checks from Chase, but do you think they will listen to you?  Hell no!!  It wasn't until I wrote to my congressman that I received a call from Chase Executive Secretary.  She listened, I sent her copies of my receipts!  Many of them were cashiers checks.  Guess what?  They owe me money!!  How did that happen? I kept getting threatning calls until I told the Executive Secretary about it yesterday.  I didn't get any threatning calls today.  Is it possible that maybe I was right all along?
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#9 Consumer Comment

Next Step


POSTED: Sunday, September 12, 2010
Grow up Bethy Baby and pay your bills on time. 
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#8 Consumer Comment

Your So Out Of Touch With Reality....

AUTHOR: Elizabeth - (United States of America)

POSTED: Saturday, September 04, 2010

Jim, You are out numbered here!!! Not many will agree with you. These are different times we live in. You oviously don't know my personal life. We have always paid our bills on time with the exception of a couple of car payments. That does not merit for Chase to have these low paying scum bags on the other line to call and harass people in a very unprofessional manner. All Those who work at Chase Auto Finance in Arizona are just pure evil. As far as being a looser, well you must be talking about yourself. You are also ignorant on top of that. You refuse to recognize that CHASE IS GREEDY, THEY ARE UNWILLING TO WORK WITH CONSUMERS, THEY ARE RUTHLESS, RUDE!UNPROFESSIONAL, THEY MAKE ME WANT TO VOMIT. I AM PART OF A MOMS CLUB OF OUR COMMUNITY AND WILL CONTINUE TO SPREAD THE WORD ABOUT THIS BANK. Jim you can say all you want to defend them, but the American Public aren't stupid. Chase was Bailed out using tax payers money but they don't give a damm about the people. It wouldn't surprise me if YOU or a relative worked for this bank, otherwise you wouldn't be defending them in the way that you have been.  By the way, this is a website for complaints. Didn't you get the memo???



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#7 Consumer Comment


AUTHOR: Karl - (USA)

POSTED: Thursday, September 02, 2010
according to articles on the web.

*Anyone can 'Google' the following and read them on the web-



Thank You

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#6 Consumer Comment

Cry babies!


POSTED: Wednesday, September 01, 2010

Anyone who suggests the borrower pay their bills on time, works for the lender, right?  Being "a little late" is not in violation of your contract, right?  Remember that contract, Elizabeth?  In it YOU agreed to pay each payment on time, everytime.  I guess you just don't have the integrity to live up to your word and when they start to call, its all their fault!

What a sorry loser!!!

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#5 Consumer Comment


AUTHOR: Elizabeth - (United States of America)

POSTED: Wednesday, September 01, 2010

Robert do you work for Chase???  This is the second comment I have read where you are defending these ruthless, unprofessional, harassing pieces of crap. JP Morgan Chase is the Worst Bank we have ever dealt with. My husband and I have had many car loans with Bank Of America, Ford Motor Credit, leased with GMAC over the years and never had a problem. Then we obtained a loan with Chase, which our car dealership suggested. Doing business with them was one of the biggest mistakes we have ever made. They repossesed our car after being 30 days late. None of the other banks would have ever done that (we were  late two times with BofA) or called us to make us feel we didn't deserve to have a loan. They are the worst!!!! and I will spend the rest of my life telling people my story. Soon I will go to the newspaper, so that more people will know. If I can prevent 1, 2 or 3 people doing business with them, then, what happened to us will not have been in vain. What goes around comes around. One day the tables will be turned and these same people that have done harm to others will have their day. And that includes the same for Jamie Dimon, CEO at Chase, who continues to allow this to take place. He is up there with all the other Crooks who prey on the innocent middle class families. Just another greedy banker like the old JP. By the way, I know banks are there to make money, but Chase Auto Finance are thieves.




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#4 Consumer Comment

Of Course They Want Their Money!


POSTED: Friday, May 14, 2010

If you loaned money to someone Ray, you'd be after them too if they didn't do what they said they were going to do...pay you on a certain date.

Of course its harrassment!  This is a SUB PRIME lender and most of those guys deal with people who are late all the time.  The solution to this is to PAY ON TIME!  If someone doesn't have the money, then they need to get a part time job or work at night to get the money.  No, it isn't easy but that's what being an adult is all about.  You sign contracts and you live up to your end of the deal.  Do people have lifetime events which put them into money problems?  Of course.  But the adult finds a way to solve them...like I said, getting an additional job to get more money coming in.  And just in case you want to discredit me...I've been a sub prime borrower.  I've been sued for non payment of bills.  I've owed thousands and thousands.  But I've also took a look at my sorry life and decided to do something about it like earning more money to pay off those bills.  At one time I had a full time job, two part time jobs and did my own work on the side to create a cash flow.  At the time I was a slouch, over weight and lazy but I decided to change that and I'm no superman!  Quite frankly, if I can do it, any able body person can do it as well and probably alot better!

As for Dave Ramsey...he's got a pretty good scam going!  First, he lays a guilt trip on people by insinuating debt or the use of credit is sinful, which it isn't!  Then he tells these people without debt you can give more money to the church.  He then SELLS these "financial seminars" to churches.  They eat it up because they see the "you can give more money to the church" angle and Good Ole Christian Dave with his mouth and attitude problem makes millions and millions!  If John Gotti was still alive he would have changed Ramsey's name to "Ramsio" and made him a card carrying member!  And oh yes, when you do business with Ramsey's "Endorsed Local Providers", guess who gets a piece of the action!



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#3 Consumer Comment

I Don't Think it was very Well said at All!

AUTHOR: NashvilleRay - (United States of America)

POSTED: Thursday, May 13, 2010
She knows what is expected of Her and Her Obligations. Here in a Nut Shell: Chase Auto is the Worst of the Worst. These People are exactly the ones that Dave Ramsey calls "Scum". And it amazes Me all the Goody Two Shoes People that are not behind on their bills and no nothing about the other peoples situation entirely try to lecture them. If Chase calls and I tell them, "No" I can Not pay today, and I tell them I will pay on a certain Date, and If that is not acceptable, that they must have to have that 200 Dollars right now, they can come and get the Car, hang up the phone, and they call back 3-4 more times the same Day, Would You not call that Harassment?? You can Preach to Us about Contracts, One Day Late, etc etc. ITS HARASSMENT!!!!THE WORST FINANCE COMPANY THERE IS, BARR NONE!!!!!!!!!!!!!!!! Enjoy Your Employment with the SOB'S. Sound like You fit into their Business Model good. They like People like You. 
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#2 Consumer Comment

Well Said!

AUTHOR: Jim - (U.S.A.)

POSTED: Wednesday, October 28, 2009
Very, very, very well said Robert!
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#1 Consumer Comment

Are you serious?

AUTHOR: Robert - (U.S.A.)

POSTED: Tuesday, October 27, 2009

So you signed a legal agreement that stated in exchange for them loaning you several thousand dollars to purchase a car, you would make set payments on a specific date each and every month.  You admit you are a little late every month(by the way 3 weeks is not a "little" late).  Then you are upset at them for trying to contact you?

If you want another entity to complain to here is what you can do.  Go look in a mirror and complain to the person you see looking back at you.  Because that person is the one who is causing them to call.  You see once you pay your loan ON-TIME you don't have to worry about them calling you for payments.

By the way the threats to take your car is not an idle threat.  They have a security interest in the car as such they have the right to reposess it, there is no minimum time you have to be late.  So if you are continually late, and start to complain, they may just figure that you are not worth the hassle and repossess the car the next time you are a "little" late.  This is also no different than any other bank would do.

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