Date Received: 2021-09-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I paid my loan payments early for my XXXX payment. Instead of applying it to XXXX they applied it to XXXX. Now they are telling me Im Late for XXXX and wont fix the problem. I Ive spoken with four different people and they have not updated my account but are charging me late fees
Company Response:
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I PURCHASED A XXXX XXXX XXXX AND WHEN I WENT TO GET INTO THE CAR TO GO HOME WITH THE CAR I NOTICE THE CHECK ENGINE LIGHT WAS ON AND THE DEALER SAID IT WAS PROBABLY DUE TO IT SITTING UP AND THEY HAD JUST PUT GAS INTO THE VEHICLE AND ADVISE ME TO DRIVE IT ABOUT 50-100 MILES AND IT SHOULD CLEAR, I DROVE THE CAR BACK TO XXXX TX FROM XXXX AND THE LIGHT WAS STILL ON SO I BROUGHT THE CAR BACK TO THE DEALER AND THEY KEPT THE CAR UNTIL I CAME BACK FROM OUT OF TOWN WELL WHEN I GOT BACK THE LIGHT WAS STILL ON AFTER THEY TOLD ME IT WAS FIX SO I AGAIN LEFT IT THERE AT THE DEALER TO FIX IT. I WENT BACK TO XXXX TX TO GET THE CAR BACK IN XXXX XXXX AND UPON GETTING IT BACK I ASK FOR THE REPORT OF WHAT WAS WRONG AND IT STATED THAT THE OIL WAS BACKING INTO THE MOTOR SO THEN THE LIGHT WAS OFF. LAST MONTH IN XXXX I WAS DRIVING THE CAR AFTER I GOT BACK FROM OUT OF TOWN AND I GET ON THE HIGHWAY, I CAME TO A RED LIGHT AND AS THE LIGHT CHANGE I GO TO MAKE A LEFT TURN AND THE CAR CUT OFF IN THE MIDDLE OF TRAFFIC SO I CALLED A TOW TRUCK FOR THEM TO COME TOW IT TO XXXX HERE IN XXXX TX. IT WENT INTO THE SHOP XX/XX/XXXX AND IT STAYED THERE TIL LAST WEEK. COME TO FIND OUT THE MOTOR IS GONE ON THE VEHICLE AND ACCORDING TO THE DEALER/XXXX THE PRIOR OWNER DIDNT KEEP UP THE UPKEEP ON THE CAR AN THEREFOR IT RESULTED INTO SLUDGE BUILDING UP INTO THE MOTOR. I HAVE CALLED THE DEALER AND TRIED TO SEE WHAT THEY CAN DO TO HELP ME WITH THE INCONVIENCE AND I WAS TOLD THAT ITS NOTHING THEY CAN DO, IVE CALLED THE FINANCE COMPANY THEY TOLD ME THAT I CAN HAVE THE DEALERSHIP UNWIND THE DEAL BEING THAT THEY SOLD ME A LEMON AND I CALLED AND SPOKE WITH THE GM MANAGER XXXX XXXX AND HE TOLD ME HE CANT UNWIND THE DEAL BECAUSE THEY WILL BE LOSING MONEY BUT I HAVE LOST MONEY, TIME, AND A CAR THAT I CANT DRIVE. IVE CALLED THE FINANCE COMPANY AGAIN AND I ASK THEM IF I CAN VOLUNTARY TURN IN THE VEHICLE AND THEY SAID YES BUT IT WILL STILL HIT MY CREDIT AS A REPO. I ASK BOTH THE DEALER AND THE FINANCE COMPANY TO HELP TO SEE WHAT EITHER CAN DO AND BOTH SAID NOTHING. I HAVE GAP, A WARRANTY, AND EXTENDED WARRANTY AND NEITHER WILL HELP OR PAY FOR ANOTHER MOTOR DUE TO THE PREVIOUS OWNER NOT KEEPING UP THE MAINTANCE ON THE VEHICLE. IVED FILED COMPLAINTS AFTER COMPLAINT AND STILL NOT GETTING ANYWHERE.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I leased a XXXX XXXX XXXX in XXXX of XXXX. I always made my payments on time throughout my lease. I traded my jeep in for another vehicle around end of XX/XX/XXXX. They received a check for balance of my loan and they received the title on or around XX/XX/XXXX. Since then, they have had my account as past due. I have contacted them several times, as I didn't want anything on my credit report. They stated that they had the check and it was pending and they shouldn't have anything on my credit report. I recently looked at my credit report, and there was a " 30 day late payment '' on my report from them, in which my credit score dropped over 30 points. I contacted them and they put my complaint through accounting. They told me to give them 5 to 7 business days so they can take care of it. This was on XXXX XXXX. I checked my credit report on XX/XX/XXXX, and the derogatory mark was still on my credit report. I called them again, and they informed me that they didn't report it as late payment. They told me my account was cleared and they reported " on time payment ". I asked them to remove that credit reporting error, and they informed me that they couldn't.
Company Response:
State: IN
Zip: 46516
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have a disagreement with the practice Santander USA has manage this loan account from XXXX to XXXX. The original lender of this account was XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX gave it to XXXX XXXX, XXXX XXXX gave it to Santander USA in XXXX. Santander USA claims it was manage my loan account since XXXX, which is false, they know it, I know it. I calculated {$550.00} a month x 10 years which equal to {$66000.00} I pay on this loan account.
Company Response:
State: SC
Zip: 29410
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Greetings I am initiating this complaint as I have been in contact with XXXX XXXX on two occasions prior to them committing fraud and stealing my car. On XX/XX/XXXX XXXX I mailed a letter under certified mail number XXXX requesting verification of a debt in which I asked for the original creditors name and address and the definition for a loan and borrower under the FDCPA ( this letter was signed and delivered on XX/XX/XXXX and I never received a response to this letter and they continued to bill for it which is a violation of XXXX XXXX XXXX g ( b ). Then on XX/XX/XXXX under certified mail number ( XXXX ) XXXX XXXX and XXXX I sent a cease-and-desist letter for them to close the account and give all money back that has been paid to them as I was misled that I owed more than the finance charge and that was paid before I left the dealership with my credit card also known as my social security card pursuant to 15 USC 1602 ( l ). Chrysler capital never gave a response to any of my letters then came and took possession of my property by giving out my location information to a third party without my direct consent which is a violation pursuant to 15 USC 1692c ( b ). Also, according to 15 USC 1692 i ( a ) ( 1 ) they are only allowed to enforce interest in real property by taking it to a judicial district. On the call when a rep on XX/XX/XXXX I was advised that they did not give my information out but upon speaking to the rep at XXXX who is third party of Chrysler, was told that Chrysler capital gave them my location information to come and take my property.
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Santander repeatedly abused me by continuously calling several times a day. After receiving my letter advising them not to contact me unless they are terminating the alleged outstanding balance. They called and I spoke to one of their representatives. Santander will do what they want to do regardless if they are violating my rights as a consumer. The last tactic was to send me a " Notice of Intent to Accelerate and Requirement of Strict Compliance '' letter threatening to repossess my vehicle. How can one repossess something that does not belong to them? Santander continues to try to destroy my reputation with such antics. I never gave them written permission/consent to report any of my factual data to any credit reporting agencies or any other entity. I have attached all of the documents sent to them. Please assist with resolving this matter.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I feel based on my evidence I have overpaid the loan the company has recorded loan terms of 73 my contract loan terms are 72 months and I have been making payments of {$400.00} to {$450.00} for the last 12 months
Company Response:
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021 I purchased a car from XXXX XXXX XXXX which was consumer credit transaction per 15 usc 1602. .I was forced to pay a down payment which is a violations of the truth and lending act 15 usc 1662 ( b ). After learning of the fraud as well as false and misleading statement made by the company I then sent out a notice of rescission to all partys involved in the consumer credit transaction. They company has willful neglect to at follow the laws that were state and my list of demands for a documentary materials proving this was not a consumer credit transaction as well the the XXXX accounting paper work I have requested. I have send several notices informing them if the violations as well as tendered payment to discharge the debt with full accord and satisfaction which the company has accepted. That company has been harassing me by calling and sending incorrect forms stating a owe a alleged debt which is another consumer law violation.
Company Response:
State: FL
Zip: 32962
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have sent in money for my payments and I'm being charged more under the base payment I have sent in extra money to bring my account up to date and to pay on the fees especially these particular dates that I have listed and the extra money was not applied to my fees and I don't understand where the extra money went. I am finding more and more discrepancies on my account and in different months. I have been calling for the past 3 to 4 months trying to get this taken care of only one person help in credit me back my money but it look like they added back on my account again these dates are a example of what I am talking about. XXXX XXXX. XXXX and is also questionable on my monthly payment for the month XXXX again these are just some issues
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2021, I went to the XXXX XXXX dealership on XXXX XXXX in XXXX, Texas. I initiated a consumer credit transaction for a 2021 XXXX XXXX XXXX XXXX. I stated that I do not do business with any of the third part reporting agencies, seeing as it is not required by law, and was advised that if I did not allow the financing company, CHRYSLER CAPITAL, access to these reports they would not accept my application at all. Being forced to comply, which is a violation within itself of my consumer rights, I unfroze these fraudulent account in order to move forward. Once CHRYSLER CAPITAL received this information they then proceeded to provide me with an offer of {$35000.00} leaving a remaining balance of {$58000.00} and they wanted the lease to be in place for 75 months at a rate of $ XXXX month. This was an outrageous offer so I, as the consumer, refused this offer and went on to request my original amount. At this point in the dealership I had spoke to two sales representatives and a finance manager. When I advised them of my rights as consumer who is of age, mentally and physically capable to contract, and requested to speak to the CHRYSLER CAPITAL on my own behalf, due to the fact that each of the three agents of XXXX XXXX already admitted to not having knowledge of title 15 chapter 41 of the United States Code and if I allowed them to relay my demands it would be detrimental to me as the consumer. CHRYSLER CAPITAL 's representative advised they could not speak to me and only could converse through the dealership from which I applied. I then requested to speak to them again and this time the finance director for this XXXX XXXX location came to speak to me. He stated that there wasn't anything they could do because CHRYSLER CAPITAL, once they have used my credit card to gather credit information, they rank consumers in tiers with tier 1 being top consumers approved instantly and the credit worthiness decreasing and the tiers increase in number. This is a blatant example of discrimination, by ranking me as a consumer who has a right to credit and violates 15 USC 1691. The finance director advised that the only way I may be able to speak to someone with CHRYSLER CAPITAL is if I did the application on my own. At this point I had been at the dealership for four hours and was hungry and exhausted so I decided to go home and do the application myself and return to the dealership with my approval letter. I started a new application on my own through CHRYSLER CAPITAL and called to speak to a representative to voice my denial of their offer and to invoke my rights as a consumer to credit. The first representative I spoke to transferred me to a representative in the customer care department who was very rude and actually told me I could not speak to a manager because I wasn't the dealership. Once I advised him of my rights he finally decided to transfer me, however, while on hold waiting to speak to a manager this representative hung up on me. I called back and got another representative and when I explained my situation she stated that I can't negotiate the offer. I asked if that was a law and she said yes and when I asked if she could direct me to that law for my records she said I would have to do my own research. I then went on to say that it was not a law and asked if this was CHRYSLER CAPITAL 's policy to which she said yes and then I asked her to show me in their terms and agreements where this policy is disclosed to consumers and she said it wasn't in there, another lie she was comfortable conveying. I requested to speak to a manager and she finally complied and transferred me to a manager. This manager began with the same unfair tactics of saying I can not speak on my own behalf and could only communicate through the dealership, even though the company to which they are licensed to, SANTANDER CONSUMER USA INC, clearly states they serve dealers and consumers. Frustrated with the back and forward I asked the manager if I had the finance manager call in with me in the room if we could communicate in that way and he said I could. I then proceeded to head back to the dealership, at this point this has become a six hour process. Once I made it back to the dealership I advised the sales rep I originally began this transaction with that I would like to have a finance manage to make a call so we can discuss these terms. When the representative came back from speaking to his finance director he apologized and advised that the finance director said that this was too much and he did not want to do business or sell me a vehicle, which violates 15 USC 1691 or the Equal Credit Opportunity Act. Surprised with this information, I requested that said finance director provide me with written documentation stating they would not do business with me and the reason to which he declined, again through the sales rep and not directly to me the consumer.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A