I financed my car a little over a year ago with Chrysler Financial. I financed my car for $7,000 and I now owe $7,100.
Due to my fault, I have been late making a payment one time. I have made all of my payments online, but one. Four times I have had them on my back saying that I didn't make a payment online, when I did. They do not send confirmation emails or give a confirmation number when paying online.
After the payment was made, there would be a message that would say, "Thank you for your online payment." A month later they would call me and say that my payment was late. I ended up paying them twice, three different times. When this scenario happened for the fourth time the other day, I researched what was going on. I checked the account in which my payment should have been taken from and they did not take the payment.
I know for sure that I made the payment, but I did not receive an email or letter saying that the payment was denied. Chrysler Financial charges me $75 everytime that I am late and raises my interest rate. When the collections department for Chrysler Financial called me the other day, there were multiple people laughing at me over the phone when they were threatening to take my vehicle away. I have come to the conclusion that they are purposely not taking my payments, so they can charge me the late fees and raise my interest rate on top of the late payment.
If anyone else might be having a similar problem, please let me know.