Date Received: 2021-09-10
Issue: Lost or stolen check
Subissue:
Consumer Complaint: On XX/XX/XXXX, I called Capital Chrysler to ask if Capital Chrysler has received my pay off amount for my car loan. The gentleman indicated that I had a refund due back to me for overpayment of {$390.00}. The gentleman indicated that I needed to send a picture of my social security card in an email to help XXXX to receive the refund. He indicated that if I didn't send the email, I would receive my refund check the first week of XXXX. Then I called Capital Chrysler on XX/XX/2021 asking for the status of my refund check. The gentleman indicated that a check was sent on XX/XX/2021. Then I asked to speak to the manager because of the conflicting stories. So then I spoke with gentleman, badge # XXXX who indicated that a check was mailed out on XX/XX/2021 so this is another conflicting date as to when the check was sent. I would like this to be resolved so that I can receive my refund of {$390.00}. Thank you
Company Response:
State: OH
Zip: 44143
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened this auto loan with Santander consumer USA XX/XX/XXXX who has been reporting my payment unfairly incorrectly as late and past due and I have made my payments with XXXX XXXX who they recommended me to do since I didnt have a bank account at the time. I have never had made no late payments ever since I been with them but they seem to report incorrect information to all three credit bureaus in XX/XX/XXXX said I was 30 days late XX/XX/XXXX and XX/XX/XXXX 30 and 60 days late in XX/XX/XXXX they said I was 30 days late then again in XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I was 30 60 90 days late. YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander reach out to me in XXXX of XXXX rescinding my loan terms. In a letter I received it sums it up as they tricked me into the loan, however when I call and email I've received different answers. I sent multiple emails and all they do is put me in extension plans that have killed my payoff amount. At first I assumed it was ok because of the loan coming off my report however its months later and they still are reporting me late while Im actually in an extension plan. Santander truly seems not to care which makes me believe they've decided the pay out is worth the confusion and damage to the consumer report. I'm trying to get my credit together and it's confusing how in accurate the reporting is. I was told that because there was a judgement against santander I should try the CFPB. I have more details and can add it just gets exhausting explaining this store again and again. I'm looking to have Santander Remove the loan from my report or report it accurately... Santander Consumer Auto Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This account was closed well over a year ago. It was charged off. I have no business with this lender and need this lender to remove his inquiries from my credit as when I did have this account it was being ran multiple times without my authorization. Please remove this account as I no longer have business with this account and its only impacting my credit.
Company Response:
State: CA
Zip: 90255
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: 1. Santander Consumer USA XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX TX XXXX did not reported to the Credit Bureaus that the car I co-signed a loan for was returned after the last payment on XX/XX/2018. Santander also sent a fraudulent letter to my advocates email in which all my private information was included. Today when she called, they refused to speak with her even though she has POA on me and after they already violated the privacy rules under the Fair Debt Collection Practices Act. All I need is that they remove me from the credit bureaus. Thank you
Company Response:
State: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I received a loan which I learned to be a PREDATORY LOAN from Santander on XX/XX/2019. I decided to look to see if all was true and come to find out... they have only counted under {$400.00} as paid and I've paid over {$4000.00}. A massive lawsuit has happened and I feel they gave me a predatory loan and I want loan forgiveness, a waiver of deficiency for my title release to me and my credit report to not be harmed by them. They know my internal score was too low for the predatory lending they was offering. I need help urgently as a XXXX single mother struggling to now pay my car payments and they denied me extra time. Please help me; please.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with SANTANDER. Despite the multiple previous written requests, the SANTANDER still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to incorrect items on my credit report. It has been well over thirty days and I have not received any investigation results.
Company Response:
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have called Chrysler capital several times regarding an alleged car loan I told them that I was unaware of that loan. Chrysler capital claim that I am legally Obligated to repay the loan in full. I proceeded to call and complain every month due to the damages Chrysler capital has done to my credit report. My credit score went from XXXX to XXXX because of the company refusing to fix the matter. I have fraudulent activity on my credit report because of Chrysler capital.
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A