Date Received: 2022-08-12
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: XXXX XXXX Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. is engaging in an unlawful repossession of my vehicle. XXXX stated there has been a repossession order place on my property which Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. has no lawful authority to do because Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. and has been paid in the form of U.S Funds and U.S. Funds mean Lawful currency of the United States of America which was paper money of the United States or as stated by law 12 U.S. Code 4001 ( 4 ) The term cash means United States coins and currency, including Federal Reserve notes. I do not give Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. consent to come and take my vehicle as of XX/XX/2022 of the law states ownership is by mere possession so Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. actions will be deemed as theft 15 USC 1692d ( 1 ) ( 3 ) ( 4 ) I am demanding the order to be removed. Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. is also engaging in unfair practices with me. 15 USC 1692f ( 6 ) ( 1 ) Can you state wether or not Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. is a Assignee or Purchaser in this contract? ( 2 ) Can Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. state what without recourse means by law? ( 3 ) Why does Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. still have possession of both promissory notes if they say they dont accept them? ( 4 ) Where in my contract does it say Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. doesnt accept promissory notes? On the last CFPB complaint I made, Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. mentioned in their response Please note, XXXX does not accept promissory notes as payment and will only accept valid legal monetary instruments in the form of United States currency for payments or payoffs. These include, but are not limited to, personal checks, bank checks ( certified funds ) or money orders. 31 CFR 596.307 - Monetary instruments -CFPB Moves To Thwart Illegal Auto Repossessions as stated below : Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices such as : * Illegally seizing cars : Servicers are repossessing vehicles from borrowers who made payments sufficient to stop the repossession or who entered a payment plan. Given the high level of harm caused by wrongful repossessions, servicers must ensure that every single repossession is valid. * Sloppy record keeping : Incorrectly coded records or agents failing to talk to their colleagues about canceling repossession orders hurts consumers and is a violation of federal law. Servicers need to ensure proper communication between them and any third-party processing a repossession. * Unreliable balance inquiries : Inaccurate balances can lead to a borrower paying less than a sufficient amount to avoid delinquency, resulting in a repossession. People are also having their vehicles repossessed because their loan payments are processed in a different order than what they had been told. * XXXX for personal property : Servicers are still holding personal property found in repossessed vehicles XXXX until the property owner pays a fee, a practice the CFPB has been cracking down on for years The CFPB is closely watching the auto lending market. Auto loans are already the third largest consumer credit market in the United States at over {$1.00} XXXX outstanding, double the amount from ten years ago. ( 5 ) XXXX also stated that Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. doesnt have to abide by Federal Truth-in-Lending but Chrysler Capital a registered trademark XXXX XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. has to abide by FDCPA. Is that true? ( XXXX ) Is Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. upholding my states constitution? ( XXXX ) Is Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. in possession of my financial asset which is considered a security under the Securities Exchange Act? ( 8 ) Are my billing statements considered debt instruments, which is a form of a fixed asset? Most formally known as a security. If Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. gave me a loan, as stated by Chrysler Capital a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc. I would like to see a copy of the check-stub or a copy of the check that was issued to me in the amount of {$20000.00}. ( XXXX ) Did Chrysler Capital, a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc., defraud me by making an extortionate credit extension and failing to inform me of the true cost of credit that is harming our national economy and by raising the price due to consumer credit and gaining an unlawful benefit? ( 10 ) Is there a formal agreement between me and Chrysler Capital, a registered trademark of XXXX XXXX XXXX and licensed to Santander Consumer USA Inc.? May I ask does this agreement include a Lender and a Borrow? If so who is the Lender and Borrow? ( 11 ) An prior to the agreement who was to loan what to who? Does the agreement include the terms money, credit, loan, lender, borrow and interest? I would like to resolve this matter private and civil. I am handling this in good faith.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On about XX/XX/XXXX I entered a Covid 19 extension loan program with Santander Consumer USA. I was told the loan would mature in XX/XX/XXXX. I made every payment every month, then came may and I still kept paying until XX/XX/XXXX. I then received an 30 day late from my credit bureaus and it was Santander Consumer USA. I then called them and was told its late because your loan matured in XX/XX/XXXX. I never knew that at the end of the loan that there would be a balance due. I signed a contract telling me that loan would mature in XX/XX/XXXX, without it telling me that there would be a balance. Had i known that there would be a balance due then I couldve sent extra money during the loan that would it brought it to XXXX or a small amount. Even when my loan matured I still kept making usual payment of XXXX then in XXXX I paid the final amount owned of XXXX. Santander Consumer USA reported to all my credit bureaus that I was late 60 days, when in fact I never was. I made every monthly payment. Plus they also stated in the payment history that i paid for an extension in XXXX and XXXX. I believe Santander Consumer USA has committed fraud because in the documentation they never wrote that there would be a balance amount due at end of loan. They could have come up with any number. I do not care about the balance that I pay, i am concerned because they hurt my credit by them reporting it 60 days late, at end of loan. Had I been properly notified that there was a balance due at maturity it would have been paid. Santander never made any attempt to notify me. I spoke to several of their supervisors the only one that took sides with me was the first one I spoke to in around the middle of XXXX when I first knew about this. I would like you to investigate Santander consumer USA into its loan practices. They could have come up with any number at the end of the loan and I just paid it plus I was also hurt by them reporting a 60 day late on my credit bureau. I also feel that I was not the only client this happen too, because representatives told me that they did this to all. So imagine how many people got the same malpractice of fraud and deception.
Company Response:
State: CA
Zip: 92869
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I am writing to file a complaint against Chrysler Capital for wrongfully indicating a derogatory reporting on my credit score in 2019. I held a lease with chrsyler capital which was ending in XXXX of 2019. I traded the vehicle and purchased a used vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX We closed the deal and I turned over my trade in on XX/XX/2019. The dealership was to pay the pay off on the lease vehicle for an amount of {$26000.00} within 10 days which they failed to do. After follow up, they issued a payment but it was an incorrect amount. Chrysler Capital would not deal with me and allow me to pay the balance in order to avoid a late payment and negative impact to my credit score. They would only accept the payment from the dealership. Again the dealership was late providing the payoff check to Chrysler Capital. After many dealings with the dealership and Chrysler Capital over a period of two months, my trade in was paid off. However Chrysler Capital indicated that I was 60 days late on my payment. I was able to have them reduce to a 30 day late, however after attempting to eliminate any derogatory indicator, they would not work with me and would only refer me to the credit bureaus. I feel this should not have been viewed as the fault of myself the consumer, and this negative report on my credit has caused me to pay higher interest rates and significantly reduced my availability to receive credit, loans, mortgage etc. I request the assistance of the CFPB to advocate for me in this matter with Chrysler Capital. Thank you, XXXX XXXX
Company Response:
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I call and reach out to them and let them know I was hospitalized months after, that was when all my savings ran out and let them know I was sick. I ended up back and forth to the hospital having out patients procedure in XXXX. I had no more money in savings and then I was order 3 more weeks of physical therapy but when all this happened I applied for XXXX. They came on XXXX XXXX XXXX and repo the truck. At this point I talk to a collector and they told me to call back in 48-72 hours later. I did and for me to retrieve my truck back I must pay {$23000.00} to get it back.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX, I opened an auto loan account with Santander. During XXXX, I was not able to maintain the loan and the vehicle was repossessed. I believe my last payment was made in XX/XX/XXXX (? ). The account has apparently been sold to XXXX who appear to be reporting this account as new and delinquent, which is having a significant impact on my credit report.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX I called a company by the name of CHRYSLER CAPITAL who placed and inquiry on my consumers report. The number I call was ( XXXX ) XXXX it was an invalid number. I then called XXXX to have the inquiry removed but they rejected me and told me to call the company to have the send a letter stating they will remove it. The inquiry was dated on XX/XX/XXXX by CHRYSLER CAPITAL I have no business or account with this company and Ive never applied for anything with them. I will attach my consumers report highlighting the inquiry.
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I had a loan with santander and they refuse to remove late payments even though they lost a lawsuit against their predatory practices and not disclosing their internal credit scores.. the loan is paid off
Company Response:
State: KS
Zip: 67601
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My car was repossessed on XX/XX/2022 as of today never received letter that they repossessed my car SANTANDER CONSUMER USA reporting, books and records and internal accounting are all Fraud and grossly misrepresentation not telling all facts to this issued but they continue to accept my monthly payment and steal my car unlawful enrichment of Proceeds by selling my property. SANTANDER CONSUMER USA, TAX FRAUD, CONSPIRACY, DISCEPTION, they cancel debt receive tax credit from the Internal Revenue Service but failed to reported to Internal Revenue Service or never notified me but continue to accept my payments and steal my vehicle.
Company Response:
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XX/XX/XXXX I visited The XXXX XXXX XXXX XXXX, IL In regards to a XXXX XXXX XXXX. After several emails from the dealer regarding the XXXX XXXX XXXX. When I arrived I was greeted by a salesman by the name of XXXX XXXX, he said the vehicle in question, XXXX XXXX XXXX was sold LIES. came back with a XXXX XXXX XXXX. I explained my budget again. I need to be at {$300.00} or {$400.00} at the most. A manager came to assist XXXX XXXX in manipulating me, by the name of XXXX XXXX and told me this car was just traded in by an elderly lady, no accident and very low miles for the year of vehicle LIES. I asked how much. XXXX XXXX stated {$20000.00} I said NO WAY TOO MUCH! for a XXXX. XXXX XXXXXXXX XXXX came back and said {$15.00} out the door LIES. Meaning everything included. I then considered. I thought i was signing a contract for {$15000.00} out the door. I also had to take a warranty for the vehicle, because the finance lady XXXX said we do not offer warranty. I can add a warranty at an additional price with gap. {$4000.00} warranty! On top of all the charges, I was charged for a XXXX XXXX I never requested at an additional charge. What a fraud. nor was i explained in detail, Just sign here. I asked for warranty, he said we will take care of you in finance LIES. Now about XXXX XXXX. we were still doing paperwork, while dealer was closed. I leave the dealer with no car, no contract.I was told I will receive it when i come back to pickup my vehicle. I guess I did not sign a document, so I was overnighted by XXXX. On that contract it did not reveal price. So again I explained i need gap insurance, Because I wrote on the contract. The finance dept, XXXX said the contract is not valid and need to sign excluding the gap and all writing I had added. I have yet to see the current contract. On XX/XX/XXXX or XX/XX/XXXX I pick the vehicle before closing, no contract. I leave the dealer drive to the highway XXXX. Once I drove onto the ramp, I realized the vehicle has mechanical problems, Bad performance. I also hear something rattling under the car on the driver side, Now I am in fear of my life. I immediately called my salesman XXXX XXXX XXXX. I leave a detailed message regarding my experience with this vehicle. I also leave a message for the manager of sales, XXXX XXXX. Next day I received a call from salesman XXXX XXXX to bring the car in. I then receive a call three days laters stating my vehicle was ready for pickup and all that was needed has been complete LIES. When I arrive to pickup my vehicle, I asked what was wrong with the car. Salesman XXXX said we repaired the control arms LIES. I asked can I please see the paperwork showing the diagnostic performance and safety check. Salesman XXXX XXXX said we do not have it, our mechanic does he's is not available LIES. All vehicle purchase by a dealership from an auction has to be checked for performance and safety before selling to the consumer, by law. They have nothing. I purchased my own XXXX XXXX and do not see any performance and safety check done by XXXX dealership. I explained to salesman XXXX XXXX, Sir you can not expect me to take this vehicle in such condition with no evidence repair have been complete and problem has been corrected. Therefore putting my families lives in danger. Salesman XXXX XXXX leave to get assistance on convincing me to leave with the vehicle with no document to prove the cars had repairs done or car fax. XXXX XXXX XXXX XXXX of sales as well. Approaches me and said come on we are going to take a ride. I said for what? He said he test drove the car and nothing wrong with it. I explained to XXXX XXXX XXXX are you trying to insult my intelligence, because I am a lady? their is no way to determent the diagnostic with just a test drive. I test drove the vehicle on XX/XX/XXXX was not able to tell their was a mechanical problem until I drove it on the highway. I then said please call me when the vehicle has been service. XXXX XXXX then got irate, began to argue with me in a very loud tone and said you need to take this car, you aren't listening to me. As if I were a child. so EMBARRASING! He said because the loaner you are in has been sold. I explained I am an hour away from my home. I have been asking for the XXXX XXXX and diagnostic from the dealership, so I can leave. He had me wait another hour to then say, ok take the loaner. I have contacted the dealer in regards to a resolution with no success or a return call from the XXXX or salesman. I contacted the finance company Santander. I explained my situation. They stated there is nothing they can help me with as far as mechanical problem. I then asked for the loan value, If i can be connected to the underwriters dept. Santander said we do not have an underwriting dept, I then asked for the compliance dept they do not have one. I then asked who approved this loan and paid the dealer? Since they had no clue what an underwriter or compliance dept was, I was hung up twice. I believe the dealership and Santander are committing fraud against me. They confirmed my car loan amount is {$27000.00} way above {$15000.00}, Please help me as I do not have the car, contract or gap and I have a XXXX XXXX I never requested as well as other added fees. Please help me to resolve this matter. Thank you!
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XX/XX/XXXX : Santander Consumer USA responded to complaint XXXX by sending me a settlement letter with a return day of acceptance by XXXX XXXX and the amount of {$6500.00}. Santander Consumer USA Executive office stated once received they would send me the title to the vehicle, XXXX XXXX XXXX under the account XXXX. XX/XX/XXXX : I returned the signed settlement letter with a cashier 's check by certified mail with signature verification of deliver. XX/XX/XXXX : I received an email from Santander Consumer USA representative XXXX XXXX XXXX XXXX XXXX stating that he was " looking into my concerns. That I would receive something by XX/XX/XXXX. XX/XX/XXXX : I did not receive anything from their assigned representative in the Executive Service office. XX/XX/XXXX : I sent a letter to the representative with copies of the Settlement Offer, paid cashier check, copy of signature of delivered on time - prior to XX/XX/XXXX, the cashier 's check was deposited on XX/XX/XXXX. I also stated in my letter that I have a copy of my original contract and that I never signed up for any GAP, warranty program or XXXX XXXX. So there is nothing else due on this account. XX/XX/XXXX : As of today 's mail delivery I still have not received the vehicle title as promised as long as I met the requirements of the settlement offer. I would like all correspondence to be sent via US Mail because Secured email Message have a time limit ; no trace of the letter is available after the expiration date
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A