I had a car loan for 5 years that was never late once. I bought a new car 8 months ago through Chase & within weeks was hospitalized for months after I had kidney surgery & was out of work. I have made all my payments so far (except this month) but they are usually late. I always advise EVERY representative of these facts each time they call since I am playing "catch up" with all my bills from being out of work for months. The latest call was today from Melanie Morales who claims to be a Collections Supervisor. She went... read full review »