Chrysler Capital
Reviews and Complaints

I think something should be done about the nature of auto loans in general, and what happens after a repo. When an auto loan is signed, its a contract for money and physical goods. You agree to pay X amount, we let you keep your vehicle. Interest is part of the loan for the company to make profits. I understand that. But when it comes to repossession, enough is enough.

For example: I purchased a truck for $22, 000, financed through chrysler financial. After fees and blah blah blah i forget what the exact balance was, i think around $27, 000. I paid for about 2.5 years before, hard times came, and couldn't afford the $528 monthly payment. In total that is roughly $15, 840 in payments i made to chrysler financial. They repossessed my truck, and it was sold at an auction for $14, 500. They get to keep that money. So all in all, Chrysler financial has been paid over $30, 000 for a $22, 000 truck. Being that they didn't get enough to cover the remaining balance, after fees I now owe a balance of round $7000.

I now have to pay, for something I don't even own, and they have already made an extreme profit from this situation to begin with. Something needs to change.

If you think they are bad with a good standing loan, they are just as bad with collection for remainder balances also. While I don't not think its fair, I contacted them to work out a payment arrangement for the balance. The only way they would work with me is to put 10% down ($700), and pay minimum of $250 a month. If I had that kind of money, I would still have possession of the truck and wouldn't be going through this. So off to collections it goes, and probably to court.

This is crazy. They made their money off me. Yes I know, i screwed up. Life happens and we all can't be perfect. There needs to be something done about this. Its just not fair to keep bleeding money from people that don't have it. Loan contracts are traps, If anyone has any ideas to go up against this, I say lets start a movement and quit being ### on by the big companies like 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.

At the time we leased our Jeep Grand Cherokee, the finance manager said that our credit was poor as we were behind on some debts already. We told him the recession had hit us and we were struggling. The finance manager said that he could not lease us the car for the $515 payment that had been worked out with the salesperson...but he could lease us the car at $540. After two years of perfect payments in the three year lease, we were five days behind on the payment and the collection calls started, eight to ten times a day, calling home and work every two hours. The callers were rude, callous and inconsiderate. When I mentioned their bailout they said "we paid that back". Yes, true, but you got help when you needed it you predatory ###. Give the consumers a break, not that it will really matter since you will be out of business soon enough. Even the conspiracy to bring down Toyota can not save a company as deceitful and ### as yours. Good luck with the collection calls when you don't have a friggin job!

I need help. I hav read several complaints regarding the collection/reposession and reporting practices of Chrysler Financial. I have to wonder why no Attorney has taken this on in a class action lawsuit. I would for one sign up for sure. First let me say, that Chrysler collection processes are horrible. They will call 10-15 times a day if you are 1 day late; believe me I know. They are rude, condescending and threatening on the phone On 2/26, Chrylser came and reposessed my van without warning or regards to my states collection law. I tried to redeem it by paying what they said was the past due amount, but they said Iwould hve to pay the full contract, which is $12500.00 roughly. Telling me that should not have bounced checks, that I was 4 months behind and they would not take a chance with me. This is where is gets interesting.

According to WV State Code 46A-2-106, a finance company is required to provide you with a right to cure default, and give you 10 days without harassing phone calls to take care of the matter. I never received a notice from them. On 1/16/10, I received an email stating that my payment was due in the amount of $861.50, which was for January and December; I had missed December's payment due to Christmas. I paid them $861.50 1/16 and later on 2/3 proceeded with scheduling my February 20th payment for $450. If you are familiar with the online payment system, then you know that there is no way to schedule a payment 17 days in advance for a lesser amount if you are past due. You must pay the mount due immediately. I did attempt to use my debit card 1/21, and my account was frozen. After contacting my bank, I was told that someone had tried to access the account several times with inaccurate information, so the account was frozen to debits. I was able to clear the problem up, didn't realize that 5 days after scheduling the Chrysler payment it still hadn't cleared the bank, I thoguht that it was alright.

After they took the van 2/26, I made several calls to the customer service people (real jerks) and the redemption department (even bigger jerks) explaining the situation. I was called a liar, they told my ex-father-in-law that I was 4 months behind, they asked me what kind of story that I was giving them that I had purposely bounced checks, which I had not. I was distressed all weekend, but finally Sunday I was doing a search through my MSN email and in the junk mail dated 2/17, a month after the payment and 8 days before my van was reposessed, notification that there was a problem with my payment of $861.50 dated 1/16. The account came back as code RA02: account closed, which falls in line with the account being frozen. They never issues a right to cure default, just an email to my junk file telling me to check with my local banking institution because the payment had not cleared the local clearinghouse.

Something needs to be done about this. You have a company that took government funds to bail themselves out financially and they habitually screw the people over that paid into the taxes that allowed them to get that money. I hope someone sees this, an attorney that would proceed with a class action lawsuit for questionable collection activities, harassment, slander and anything that can be taken in under this mess. If they are allowed to continue to treat people like this and take peoples belongings without notification, then eveyone loses.

I have filed a complaint with the local attorney generals office in West Virginia, contacted my local Congresswoman and I called the White House to complain. My local office are more proactive in helping, but agter 5 attempts to email the White House and calling the comment line, there is no effeort being made on their behalf to even contact me. If there is anyone else out there, please email with your issues at [protected]@msn.com so we can stop Chrysler from acting illegally and doing what they want without regards to law. Believe me, I don't feel that an email to my junk mail folder is sufficient cause for repoosession and I know that it is not a valid form of notification. They should have sent a registered letter with a return receipt to make sure that I got this.

I have the documented proof.

Unbelievable... If its too good to be true, look out!

Back in november we got laid off so called and they said no problem you can skip a payment, just sign this and fax it back and pay the finance charge only

Hooray!

No no no no no

They never received the fax (have now sent it 6 times)

They are also now calling me saying that I am late and charging me fees

They "cannot do anything" to fix it until they receive the fax

I am not about to send it to a third fax number (Everytime I call I get another person with another story)

I had to beg just to get a supervisor (Collection dept) on the phone and then they are just telling me the same thing

Fax it and then call back in 2 days...

At least today I got someone speaking decent english!

Shame on you chrysler, I am now getting harrassing phone calls saying I owe you money

I dont owe you squat, I have never ever ever been late

Shame on me for trusting you

Chrysler Financial's Collection Department has the most disrespectful customer service reps. I have NEVER dealt with people so RUDE! They cut you short, will not let you finish talking, speak over you, literally ARGUE with you, admit their fault but will not acknowledge responsibility and some will even rudely attempt to hang up on you. I'll admit, in the past I have been late more than once on my car payment, but never past the 30 day mark. I am fully aware that when I am late I acquire a late fee. Fine. It's my fault, I'll pay the fee, NO PROBLEM. But the reason for my complaint is not solely due to un-reversed inadequate late fees and inadequate credit reporting, the reason is LARGELY due to the RUDE collections reps. I lost my job and was having difficulty keeping up with my payments, but one way or another I would always make ends meet. One month I called in to make my scheduled monthly payment (which WAS a little late) and the associate recommended that I get an extension for the next month's payment in order to ease my financial status. I thanked her and proceeded with the extension, which included paying a small extension fee plus interest. To make a long story short, I received the extension form in the mail, signed it and faxed it back. In my mind everything would work out great. NOT! The month following the extension I logged on to make my payment and noticed an outstanding balance of twice the amount of my usual monthly payment. I tried to make my payment for that month and was rejected because their on-line system could not accept "PARTIAL PAYMENTS". I immediately thought, "This must have something to do with the extension form." I got on the phone and called customer service. I wanted to know why was my balance was more than the usual month's payment. The representative stated that I was past due on the previous month and that now two months worth of payments were due. I explained to the associate that the previous month had been granted an extension (meaning: an extension pushes that particular payment to the END of your contract, it adds on an additional month because it waives your payment for the requested month). She said, "Yes, I see that here but we have not received the signed extension form." I explained that I had already faxed it but that I was willing to fax it again. She agreed. I went down to the local Staples and faxed the form for the second time. The next day I figured everything would be fixed and that I would be able to log on and make the payment. WRONG! Nothing had been updated. I called a second time to inquire on the status of the form. They claimed for the second time that the form still had not been received and that I should fax it a third time. Meanwhile they recommended that I make a payment over the phone as oppose to making it online because their online system was not going to accept any amount other than the incorrect outstanding balance. I always preferred to make my payments on-line because it was free. If I did a pay-by-phone they would charge $12.95. I then explained to the associate, "Why should I have to pay $12.95 to process the payment over the phone when I could pay it via on-line for free? If you all were to do your jobs right I wouldn't be having this issue and I would be able to make my scheduled payment on-line for free as usual!" She apologized for the inconvenience and recommended that I wait a few days to see if the form would eventually get updated. Days passed and then I began to receive collection calls. Every associate would begin with, "This call is being recorded. You are past due on your 2006 Charger and we need to set up a payment TODAY." I would explain to them the situation and they would go about asking me how many times have I faxed the form? What number did I fax it to? Whom did I speak with? etc.. By the end of the call I had them apologizing, once again, for the inconvenience and assuring me that the form would get processed soon so that I could continue with my payment. I must have talked to 6 or seven different collections officers, all promising the same thing and nothing ever got done. By this point I was furious and just wanted the matter to be resolved. I was literally calling in every third day to check up on the status of my form, it was always the same response, "I don't see the form filed ma'am, but I will open up a work basket and have this issue escalated. When all this is resolved all late fees and credit reporting will be waived and corrected." This was the response I must have received from about 3 or 4 customer service reps. Two entire months had gone by and nothing was resolved! I was calling in asking to speak to supervisor after supervisor after supervisor and they would just give me the run around, once again always suggesting that I pay the $12.95 and process my payment over the phone. Why? Why should I have to pay that fee when I can do it on-line for free. They were firm about not being able to waive the processing fee, even though they knew that it was their fault that I wasn't able to make the payment online. Two and a half months had elapsed and after faxing the form FIVE times, to different individuals who promised they would receive it and personally process it, I finally got it into the hands of a responsible supervisor and it was adequately processed. By this time I had already "MAILED" in my normal payment, just to avoid the processing fee. The day after the form was processed and payment was received I called to make sure that the fees were going to be waived and that my credit report was going to be fixed because by the end of the ordeal they had reported my loan 60+ days past due! That's HORRIBLE! They declined to do any of that. I asked to speak to a supervisor. I was transferred to a Mr. Rollins. He didn't even want to hear me out. He was rude, interruptive, assumptive and just had no desire to understand my situation nor was he going to allow me to speak to anybody else. He said he was a supervisor and that there was nobody else that was going to do anything else for me. I spent about an hour on the phone with him trying to explain my situation, but it was no use. By the end of the call I was frustrated, confused, angry and hysterically in tears. At one point during the call he acknowledged that previous associates had indeed confirmed that it was an internal mishandling error and that my fees would be reversed. And even then he stated that although the associates had made false promises to me, nothing was going to be fixed. Still he showed no remorse for his words and advised me to simply pay the late fees, that were over $100, and just move on with my life. He said that was going to be the only way to have my matter resolved, was to pay the late fees. That night I cried myself to sleep. I spent the next morning looking over months worth of statements and jotting down information so that I would be fully prepared when I called again to have the matter reviewed. I felt confident and more determined than ever. Upon the associate answering my call I immediately knew this wasn't going to be a good conversation. The associate (Mr.Martinez) answered and an unpleasant tone and was very cut short. He asked for my loan number and quickly came to his own assumptions. He spoke loudly and over me and even argued with me. I began to get frustrated. I asked to speak to a supervisor. He yelled, "Hold on!" and placed me on hold. I was furious because he was so rude. When the supervisor came on the line (Ms. Adams) apparently she had her mind already made up because she too was unwilling to hear me out. She said to stop arguing and live with it. That nothing was going to be changed and that my account would remain the way it is, with late fees and all! She ultimately said, "Ms. Rodriguez, there is nothing else I can do for you. The fees will remain on the account and there's nothing you can do about it. Have a good day!" I said, " Ms. Adams! You better not hang up on me, don't you dare release this call!" She paused and then asked what else could she help me with. I asked when was the next time Mr. Williams would be in and she said tomorrow. I thanked her and released the call. I continued to cry out of frustration and anger. At this point I still don't know what to do. So I found this web site and decided to document my experience. I only have one more year to pay off my car, but if I had the money to pay it off right now I definitely would! I wish I did! I will never finance with Chrysler Financial again!

Chrysler Financial purposely prays on our Disabled & all Veterans and their families buy selling them Gap insurance at an inflated rate and will not pay off their loans after an accident totals their vehicle as promised in their contract. As a matter of fact Chrysler Financial is not really located in the United States they are owned and opperated out of India. We have listed them as a complaint on our website www.vietnamvetfamprotectserv.org. And afer contacting them by phone and mail they DO NOT deny our that this is their company policy.

We leased a truck from Chrysler 3 years ago and told we could purchase the vehicle at the end if we wanted our credit stayed the same and at the end they refused us after telling us we would be approved for purchase 2 months before the lease ended. At the end we returned the truck and they sent us a bill for $5000 for mileage, more lease payments no idea what that is for and taxes, etc. of course we didn't have that kind of money in todays economy. We tried to work out payments with them and they refused! They wanted $1200 which I paid then asked if I could do $1200 a month and they said no, they wanted it within 3 weeks or ELSE. So now the phone calls are unbelievable and I just paid $1200 one month ago now they won't except any other amount than the total due by Tuesday or further action. Are they rediculous, we are trying to pay the amount we owe in just a few months and they won't except it. They even sent a repo guy to our house 2 weeks after the lease ended and we informed the gentleman the truck was already sitting at the Chrysler dealership we got it from, just no one told the main Chrylser place and they wonder why their company is going belly up. Never will we buy a dodge again unless it's used sitting on a Ford or Chevy lot. I can't believe they can legally refuse a payment and not set up a time frame to pay that is at all reasonable. I wonder if they pay their bills on time or even try to pay their debts, we are trying and they are jerks about it! To top it all off we never were given a contract at the time of lease, some reason it had to be mailed to us and we requested numerous times and never received anything which was out stupidity for not getting it from day one I suppose. It's terrible what large companies can do to consumers. The calls are constantly through out the day and at my work. Then when I have tried to call back it has been sent to another department and no one there can help me...

I identify only too well with all complaints posted by others! My story is the same and I will never ever do new business with Chrysler again! I will also warn all my friends. They won't even give me enough information to get my possessions or to find out how much the repo lot charges so I can get enough money together to retrieve the car. I see lots of complaints on here but no answers :( Their collection practices are horrendous and all those calls surely go against the Fair Debt Collections Act! We really need to bring a lawsuit against them.

Chrysler chrysler chrysler... Every time they call me I am going to put down what they say. I am going to put down everything that is said in that conversation. I will paste the same thing that I put on this website and I am going to send it to my 297 email contact list. Exact words. On that email I am going to put send to atleast two people. That way I will triple the number of people to go against them. I am trying to work it out with chrysler but they still will not stop harassing me.

Me and my husband bought a truck from Chrysler about a year ago. We were told our payment would be due 45 days from the day we bought the truck. When we got our first statement it said our due date was the 7th. All my other bills are due around the same time so I called and asked if there was a grace period. I have another loan through safe credit union and there is a 10 day grace period. I was told there was a grace period. A couple months later I needed to defer a payment because I couldn't pay it that month, I was told I need to pay $150 in late fees to defer the payment. I asked why I was being charged fees because I was paying within the grace period. I was told there is no grace period, and that every day after the due date I was being charged interest. After arguing with them I finally paid the fees so I could defer the payment, and I asked them if I could change my payment due date. They said that once I paid the deferred payment then I could. So I made the next payment and asked to change the due date. I was told I coudln't for another 6 months because I deferred a payment. I was furious because the last person I talked to told me I could. After more arguing, I got nowhere. So I told them that the next 6 payments were going to have to be late, they said ok. Now me and my husband are receiving mutliple calls every day that the payment is late. We have explained the situation to them several times and they keep calling. Then today my Neighbor came over and told me that Chrsyler Financial called her asking about me. This is not a family member or a friend, just a neighbor. This is absolutely crazy. She has no idea how they got her number, I don't even have her number, I only know her on a first name basis. They called her more than once. This out of control. I'm going to talk to a lawyer and the police if I have to. Do NOT buy a car from Chrysler!

After we moved to PA from NJ, we tried to get a title from Chrysler Financial so we can register our car in PA. The car had been repossessed at one point and payments were made late because my husband is unemployed. But we did make payments. We have been trying to get the title for over 6 months and customer service never has an answer. Nobody has been able to help us on who to contact. When we ask for the title dept. they do not know what to do or say because our payment is 3 days behind they can't help. Our account has been up to date and we have called at those times and they still can not help us. I do not understand why their title dept is some secret agency that does nothing. It is ridiculous we can't even drive the car because we'll be pulled over and fined for not having it registerd. NEVER NEVER work with Chrysler!

My Jeep Commander was totaled in a wreck (no fault of mine). I purchased the jeep due to the zero % interest. This was the 1st new auto that I have purchased in 10 years, so gap insurance was unkown to me (1st mistake). After the Progressive Insurance settled with Chrysler Financial, there remained a $10, 000 balance. I recieved a letter from Chrysler stating that the next note was not due until 2012, so I contacted the Customer Service Center to understand the letter. I was told that the next note was not due until 2012; I stated that I was going to continue to pay the note until it was paid in full. Two weeks after that discussion, I recieved a call from the Chrysler Resolution Group stating that the balance was due in full in 30 days. I have made several phone calls, with everyone being nice on the phone but providing no alternative payment schedule. As a result, I was asked to take out a loan to pay off the balance, or that it would go to a collection agency! I am willing to make my monthly payment, but Chrysler wants it all in 30 days. I am amazed!

I have owned my Dodge Caliber for a little over a year and in March, due to maternity leave, I could not pay my note. I called Chrysler and asked for an extension of my contract and was told no problem. I was relieved until the lady told me I still had to pay the interest and each day I was unable to, it would compound. I said 130 was easier to pay then 310 so I could. Then she said I would have to electronically set up the next two payments as 'good faith' they would be paid. I was shocked. I have never been late or missed a payment so why was I being asked to set up two months of payments AND be charged 12.95 to process them. I told her my payments were usually paid for free online and she said that option was no longer available because I asked for an extension. So I abliged and did what they asked. It is now July and I am being hounded for 30 days past due on last months payment, that was set up electronically mind you... Supposedly they never received my extension. These people can have their POS back. I am so tired of them calling 2-8 times a day for something I took care of in March...

They have been garnishing my check for a few years now. I am not close to paying it off, but a few months ago the garnishment stopped. Could this have something to do with their bankruptcy?

My father and I have been having major problems with chrysler financial. When we first started our payments, they charged him double payment saying that the first one was never received. That was a lie. So soon after we tried by paying over the phone. It did ok, but then we started be charged fees for this and fees for that. We've also had different phone workers telling us that the bill was caught up, then another telling us that we weren't. It's insane! Why are they still in business? I'm sure many other customers agree on that with out a dout.

Chrysler Financial has burried a clause in its lease agreement for a Lease Return Fee $300.00 if you do not buy another Chrysler product. This is in a lease agreement and is to offset their cost for holding charges and auction processing. They will pass this cost on the leasee, I really think it is bogus charge.

I purchased a car in 2007 from Chrysler and it is financed by Chrysler Financial. I have never been late on a payment and have definitely never missed a payment. On April 17, 2009 I received a "Notice After Repossession of Voluntary Surrender" in the mail saying that my car would be sold on April 30. I called Chrysler Financial and the man said he did not know why I received the notice because I had never even been late on a payment. Obviously the company is completely incompentant if they are sending out Repo notices to account numbers that are not defaulted at all.

When I bought my car, I set the payments to be auto deducted from my account. This they did 59 times without issue. Then, I start getting calls from them that I was late on payment and late charges are being added. I called and asked to talk to supervisor. She said there is a clause in contract that last payment must be mailed in. I told her I signed the contract 5 years ago and had no idea this was the case. She said 'Talk to someone that cares.' She then said there was a $15 late fee and also if I did not pay today by western union (Additional $13 fee), she would report me to credit agency. Remember, this was my last payment. I did pay it and told her I would never have anything to do with Chrysler again. She laughed and said she did not care and that she heard this 10 times a day.
Good news...according to National Public Radio report this morning...they are not expecting this horrible company to exist in one year. Good Riddance.