Date Received: 2021-09-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021, Chrysler Capital obtained a copy of my Credit Report without my consent or authorization from XXXX and other Credit Reporting Agencies for the purposes of auto loan.
Company Response:
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I received a refund from the personnel property tax on the XXXX XXXX XXXX pickup that was leased and paid off. The commissioner of revenue sent the refund check to CCAP AUTO LEASE LTD.CC. It was received XX/XX/XXXX and cleared the XXXX XXXX bank XXXXcashed by Chrysler Capital! this is my refund and should have been forwarded to me! Instead it was applied to my closed lease account # XXXX. My lease was closed XXXX._ this is money I paid in full to Chrysler Capital for my XXXX taxes before the lease was closed!
Company Response:
State: VA
Zip: 24012
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: i went to get my car appraised and the guy ran my credit to al these creditiors after i respectfully asked him not to do such!!
Company Response:
State: PA
Zip: 16601
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In XXXX I got into a car accident and the car was a total loss. I no longer have the car! I had owed XXXX something so I had keep paying it. I didnt want my credit to be ruin. To this day XXXX I still owe the same amount. I had called Santander so many time and they said they cant do anything about it that I need to finish paying it off.
Company Response:
State: TX
Zip: 77503
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-12
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: When loan was negotiated to be settled, it was done with a balance that miraculously took a {$1300.00} dive shortly after negotiations were done. Now, since Santander doesn't seem to have the ethical fortitude to reach out n revise the settlement based on the money they received for a policy that should've been refunded over a year ago, I am stating the current settlement agreement is fraudulent as it wasn't renegotiated once santander put the {$1300.00} as well be shown by the acct screen shot attached ( which will show this transaction was done 4 months n 8 days prior to the attached settlement date )
Company Response:
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2021-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: CA
Zip: 93560
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander is the worst company I've experienced as far as fraudulent reporting, incorrect information and refusal to fix it. There are many inaccuracies from this acct and it's reporting. They stated assistance for covid affected individuals was available in the form of deferred balances of missed or late payments and would not report the corresponding payments and balances as late or anything else negatively effecting credit, this did not happen. I have multiple lates reported ( some of which where the original ppayments supposedly forgiven for covid were still made on time and with full payment ) that are incorrect, I have a much higher balance reporting than correct, they have materially hurt my abilities to qualify as a mortgage loan originator because of the massive negative effect this has had on my credit. Not only is Santander leaving out my positive payment history for all of XXXX and XXXX, through opening of the loan in XXXX of XXXX all the way through XX/XX/XXXX are not reported despite on time payments. This is also clear from balance reporting. The balance is VERY incorrect, somehow I've made almost 36 payments and my balance had not gone down, the dispute lowered the balance but not nearly by as much as has been paid down. Santander has a few options to resolve this to avoid further action including but not limited to legal action for incorrect reporting, fraudulent balance reporting, incorrectly reporting late data, and once notified of desire to refinance removing multiple on time payments from history as well as increasing the balance on the report clearly intentionally getting in the way of refi or anything I could do they will, lower the balance to the correct amount and include a portion for the damages real and emotional that resulted in inability to refi car loan to a lower more manageable rate, the neg effect on my report preventing me from making more money at my job because of licensing, and the neg effect of not being able to open a credit acct during emergencies where I had suffered with no food and to remove all late payments and CORRECTLY show no missed/late payments throughout the whole loan not just refusing to even show data as they have done during XXXX while all payments were made ( which I'm sure is part of the balance issue ) so lowering the balance by a min of $ XXXX as it should be reported anyhow and a credit of $ XXXX on the balance. Option 2, send a credit in the form of a wire or eft to bank acct of my choice which I will inform of after review is complete and Santander decides which option to go with. Option 3, forgive the whole balance and correct the late payments. Any of these options is considered acceptable for myself.
Company Response:
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 I entered into XXXX XXXX XXXX XXXX to purchase a car. I gave XXXX XXXX my data elements ( SSN, address, place of work, income, etc ) to complete a credit application. The credit application was approved, but I never gave XXXX XXXX permission to approve or deny the credit application, I only gave them permission to extend credit to myself, but SANTANDER CONSUMER USA INC provided me with a " loan '' which is a deceptive form pursuant to 15 USC 1692j. At the time I signed this contract I was unaware of the fraudulent document ( s ) and because there is not a statue of limitation on fraud I am filing a complaint against SANTANDER CONSUMER USA Inc or XXXX XXXX XXXX XXXX because my consumer rights have been violated. A contract is lawful when these four conditions are met : 1 ) full disclosure ( I was not told that I was actually creating the credit with my wet ink signature 2 ) Equal consideration ( SANTANDER CONSUMER USA brought nothing of value to the table so they have nothing to lose ) 3 ) The Lawful Terms and Conditions ( the terms and conditions provided to me were based on fraud ) 4 ) The wet ink signatures of both parties- there is no wet ink signature on the contract from XXXX XXXX XXXX XXXX or SANTANDER CONSUMER USA Inc. Because a loan agreement is a contract and has to be full disclosure of all the details ( which there wasn't ), both sides have to put up something of equal worth ( which didn't happen ), and the contract has to be signed in wet ink by both parties ( which SANTANDER CONSUMER USA Inc can't do ), this contract is null and void. I was sent a statement which is a violation under the Fair Debt Collections Practices Act ( FDCPA ). The following violations are as follows : 1 ) This statement says that the total amount due is 359.38. FDCPA Violations 15 USC 1692e ( 2 ) ( a ) ; 15 USC 1692b ( 2 ) ; 15 USC 1666b ( 4 ) ; 15 USC 1643 ( d ) 2 ) The due date of XX/XX/XXXX. FDCPA Violation ( s ) : 15 USC 1692d ( 2 ) 3 ) Principal Balance of XXXX. FDCPA Violations : 15 USC 1692e ( 2 ) ( a ) ; 15 USC 1692b ( 2 ) ; 15 USC 1666b ( 4 ) ; 15 USC 1643 ( d ) 4 ) Estimated Payoff of XXXX byXX/XX/XXXX. FDCPA Violations : 15 USC 1692e ( 2 ) ( a ) ; 15 USC 1692b ( 2 ) ; 15 USC 1666b ( 4 ) ; 15 USC 1643 ( d ) 5 ) Pay by mail address. FDCPA violation : 15 USC 1692e ( 10 ) On XX/XX/2021 a representative from SANTANDER CONSUMER USA called me at XXXX and the call was 6 minutes and 21 seconds ( this call is a violation which is {$1000.00} per minute ). The representative verified that he was talking to myself and said " this is an attempt to collect a debt and that any information obtained will be used for that purpose '' although a company has to say this pursuant to 15 USC 1692e ( 11 ), they also can't say that a consumer owes a debt pursuant to 15 USC 1692b ( 2 ). The representative continued his speech and said that the payment was a couple of days past due and asked how I would like to take care of the past due balance, this is a violation pursuant to 15 USC 1692e ( 2 ) ( a ) ; 15 USC 1692b ( 2 ) ; 15 USC 1666b ( 4 ) ; 15 USC 1643 ( d ). I asked for the payoff amount of address and the representative said the payoff amount of XXXX and provided me with the address. The representative also asked me to verify my information they had on file and because I was in the middle of work I told them the information they had on file has not changed and I hung up. This phone call was a violation pursuant to 15 USC 1692d ( 2 ) as all words spoken by the representative were the use of obscene or profane language or language that natural consequence of which is to abuse the hearer or reader. Also, pursuant to 15 USC 1692c ( 1 ) " at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location '', this law says " a debt collector shall assume '' well it is never a convenient time to contact me about a debt that I do not owe. Pursuant to 18 USC 8 I defer this amount of XXXX to the United States since it is their obligation, so if you need to collect any amount from any person that is who you need direct further communication about a debt to as it relates to XXXX XXXX. I, XXXX XXXX, am a consumer who does not owe the debt in the amount financed of XXXX and because of the reasons stated above, I am demanding this amount to be XXXX and any liens to be removed and the title to be released to me for true ownership to this vehicle.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My previous Credit Score with all agencies was between XXXX and XXXX. On XX/XX/XXXX, XXXX reported that I paid my last payment to them late and since then my Credit Score has declined to between XXXX and XXXX. I have disputed the negative claim by Chrysler because according to my records this should not have been reported as a negative. Here are the details : I had a 36 month lease with Chrsyler Capital with an automatic payment. The lease was set to expire on XX/XX/2021 so I asked for a 1 month extension to decide my options of buying the vehicle. Chrysler was able to extend the lease online to XX/XX/2021. Before the end of the lease, I called Chrysler to provide the payoff amount and mailed a bank check that was cashed by Chrysler on XX/XX/XXXX ( This included the last payment ). Chrysler never told me that I had to make the last payment manually and on XX/XX/XXXX, they reported a negative credit issue to report that a late payment was made on the account. It is probably embedded into the 1 month extension that I was supposed to make the last payment manually but it is unfair to have reported it as negative after 36 +ve payments. And this after I spoke to them multiple times for the lease extension as well as the purchase. I have had no other negative issue on my account for as far back as I remember. I am asking that this negative be removed. I started a dispute with both Chrsyler and reported it also to XXXX but my score has kept moving downwards in the last 2 months from a high of around XXXX to XXXX. This is not correct.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have know knowledge of this account and i did not authorize the reporting of this account onto my reports.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A