Date Received: 2022-07-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022, I reported on my credit monitoring app that my Chrysler Capital Account increased by {$300.00}. On XX/XX/XXXX I called Chrysler Capital and spoke to a representative. I was told that my principal has not gone up. She wanted to ensure the report said Chrysler Capital and I reassured her that it did. I was transferred to XXXX by the previous representative. The XXXX representative did say there was a discrepancy and that she will have to report it to escalations and will call me back when she hears from escalations usually 48hrs. Since XX/XX/XXXX, I have not heard back from Chrysler Capital or any subsidies on this matter. I called Chrysler Capital back. I was transferred to XXXX by a representative named XXXX. XXXX at XXXX explained that I made a payment on XX/XX/XXXX and again on XX/XX/XXXX and that interest is added. The XX/XX/XXXX payment was made early for the XX/XX/XXXX due date. I Called on before the XXXX due date to say I would be late and tried to make arrangements and was basically told to hit the road because nothing is due. I was able to make the payment on XX/XX/XXXX and this lending note never was ever 30 days behind. Upon discussion with XXXX at XXXX on XX/XX/XXXX, I found out the previous representative that I talked to with XXXX did not send anything to escalations. I was also told that since I paid my car note early on XX/XX/XXXX and not until XX/XX/XXXX they charge 15.5 % interest each day on the note. I asked XXXX what is the point of paying the car loan payment early. She just assured me they will always charge interest between payments. I asked what the point of having a due date is then. Now I have my statements from XXXX and XXXX the principal did not increase on the statements either. I am submitting the XXXX Statement and my payments with the balance of this complaint to show that my account was never {$22000.00} with the interest they are claiming. They falsely reported to my credit bureau my balance. And under the fair credit reporting act, they have to be ACCURATE. Based on my balance sheet and statements the balance is not accurate. You can not send someone a statement with one amount and report a different one to the credit agencies. I am attaching the credit reporting balance, statement for XXXX and XXXX, and posted payments with my balance. NEVER did it hit {$22000.00}.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: As dated XX/XX/2022, Dear XXXX XXXX D/B/A Santander Consumer USA Inc CEO , and XXXX XXXX D/B/A CFO , I, XXXX XXXX, Consumer, am aware that according to Federal Law 15 U.S. Code 1605 ( a ) 15 U.S. Code 1605 - Determination of finance charge XXXX That the Finance Charge is a sum of ALL CHARGES. Im aware that Truth In Lending Act makes it VERY CLEAR that The amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. So, XXXX XXXX D/B/A Santander Consumer USA Inc CEO XXXX XXXX XXXX D/B/A Santander Consumer USA Inc CFO, Im aware according to our agreement that you signed Santander Consumer USA Inc, that the finance charge to me ( XXXX XXXX ) is {$20000.00} and if the finance charge is a sum of all charges, payable directly or indirectly can you please explain in the words of Santander Consumer USA Inc how is possible for me to be ever be Late on any payments? And why are not all my payments being furnished as On Time on my Consumer Report. Thanks in advance for your timely response, Respectfully, XXXX XXXX, Federally Protected Consumer.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was practicing my consumer rights and I sent them a money order to disburse the debt and they told me they couldnt expect the payment and they sent it back, then gave me a bunch of late payment reports on my credit witch is now effecting my credit and is stopping from being able to live.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, Santander Consumer USA failed to explain to me and I think this is immoral and against the law but what they said to me was on XX/XX/XXXX my remaining account balance was {$6300.00}, but the payoff amount announced as {$6200.00} which today they have no record of the system reporting ( conveniently ). So the reason for the difference was if I had send them a total amount via debt card that day of {$6300.00} we would have been all squared away, But they have a system that allows for the prompt to tell the customer a different amount ( lower ) that is not matching with the balance on the account owed which is obviously what they are fixated on. I'm convinced that even saying to me that they have a 15-day payoff amount it's actually not that and again they are trying to spin their scammy ways forcing the customer to pay all the unpaid interest on the account ( another way for them to take advantage of their customer using simple interest methodology. They repeatedly told me that we wrote down the wrong amount which should have been {$6400.00} not {$6200.00}. The facts are I called the number for a payoff amount on Thursday the XXXX of XXXX and the prompt at that time said the payoff amount is {$6200.00} and it's good until XX/XX/2022. I went to XXXX XXXX XXXX to refinance and the teller asked me to make sure. We called together and all three of us me the teller and my wife heard exactly the same number and day honor till which was {$6200.00} good until XX/XX/2022. and so the payoff check of {$6200.00} was cut that day and send to Santander next day air.The next day Friday the XXXX I called Santander again to check on the payoff amount and the prompt then said the payoff amount was now {$6400.00} and good until XX/XX/2022 Monday the XXXX I called to Santander to check to see if they were processing the check they received from XXXX XXXX XXXX and they said they received the amount and will process asap and that it could take some time. That whole time no one from Santander told me I would be short {$140.00}. They said I would pay off once the check was processed. Today Tuesday the XXXX I called Santander and they said they processed the check however it was not enough to zero the loan out. and I owed {$140.00} because my account balance was higher that the payoff amount? What?! This is what a payoff amount is supposed to be " an honored mount with allocated time it is good for. To which I paid this overwhelming additional amount of {$140.00} using a debit card today with and extra service charge on the phone with Santanders automated billing service .I am so outraged that Santander XXXX forcing me to pay additional interest on top of a payoff amount promised to be good until XXXX. They are not trust worthy and in my mind thieves and scammers and fraudsters. In addition to having to pay a lot more to Santander then asked to pay Santander is are now not apologizing for the mixed total payoff numbers and putting the blame back on me and the teller saying that we did not write down the information correctly on the XXXX. All of this is adding up to keep me trapped with Santander. Last year in XXXX I tried to refinance the same vehicle and Santanders title division purposely sent a XXXX and white copy of the original title to CA XXXX to turn it into California title. Just to delay refinancing and time out my refinancing application while paying them interest after interest payments and they will do anything to keep the customer paying Santander Even worse It took 3 months more for Santander to realize that they never actually sent the hardcopy title to California XXXX. In 2022 I had to repeatedly call for Santander to do the right titling process and had to wait 3-4 month s more for them to process the auto title to new state. Now that my title is ready for XXXX XXXX XXXX to do the refinancing Santander is coming up with multiple ways of trapping me with them and forcing me to over pay what I owe on my account.
Company Response:
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: A Special Needs young man, entered XXXX XXXX XXXX on XX/XX/XXXX located at XXXX XXXX XXXX XXXX NY XXXX to ask questions about a car and left with a XXXX XXXX XXXX XXXX. XXXX from the sale of the car has the dealership as : XXXX XXXX XXXX XXXX XXXX. XXXX NY XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX NY XXXX. The dealership convinced an Intellectually & developmental disabled young man that he could afford a XXXX XXXX XXXX XXXX. He told them that he only makes about {$20000.00} per year, has coop maintenance fees of {$640.00} per month, has electric payments close to {$100.00} per month, along with other bills. They told him he could afford this car if he traded in his current car ( a XXXX XXXX XXXX that we purchased just 2 months ago for {$18000.00} from another dealership ). They traded his car for just {$12000.00} ( yet they put in the paperwork that they gave him {$11000.00} for his car trade & as if he gave them {$500.00} cash. That is false. No cash was given. He didn't even have the title to his XXXX with him, as he just went there to ask questions. I have proof of the XXXX XXXX, the exact vehicle listed online at {$30000.00}, yet the paperwork shows a sale price to my son at {$40000.00} ( & says " total cash price '' of {$47000.00} ). His credit score is at about XXXX, showed XXXX student loans ( & I also showed the dealership a collections agency letter received on XX/XX/XXXX ). They gave him an interest rate of 22.9 % for 72 months ( that's almost {$900.00} per month ) and had him sign a " no cooling off '' form claiming that by law it had to be signed. I was told this as well by them & I have proof of them stating this to me. They also told my son that he had to take a picture with the vehicle and leave a review on their website before leaving the dealership. I ( his mom ) returned to the dealership within 24 hours of the purchase ( I have proof of this as well ). We brought the car with us, asking if we could leave the XXXX XXXX on their lot so it wouldn't be touched or driven until we received the new title, & we asked if we could then have his XXXX back. We were told its not their problem & if someone wants to buy his XXXX, they're selling it. I showed my son 's IQ score, medical diagnosis ', disabilities and explained that I am in the process of getting Guardianship. This dealership is 1 month old. They took full advantage of this young man and offered no help. Shame on them! They purposely had him sign a " No Cooling Form ''! They know exactly what they did! Shame on them!
Company Response:
State: NY
Zip: 11714
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There are 2 hard inquires on my credit report which i never authorized. I authorized XXXX XXXX XXXX XXXX XXXX MO to do a hard inquiry for a car loan. They did. Then they sent my information to 3 other credit agencies, SANTANDER CONSUMER USA, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. XXXX XXXX approved me, but the issue is I did not authorize them or the other two companies to preform a hard inquiry. Only XXXX XXXX. I found this on my credit report ( XXXX and XXXX ) The 3 offending credit inquiries only show on XXXX.
Company Response:
State: MO
Zip: 647XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
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 bought a car and made the first payment over the phone. I told them I wanted to set up Autopay. The autopay never came out, but I was unaware they failed to set it up and the customer service agents XXXX was so broken I couldn't understand anything they were saying. COVID happened, my wife got sick and was paralyzed as a result. I was struggling to take care of her and the household during COVID and the company hit me with multiple late fees XX/XX/XXXX to XXXX / XX/XX/XXXX. They repossessed the car. I called them and was surprised to hear they never set up autopay. I said I could pay a late fee and the past balance right then and there and asked them why they didn't do autopay to begin with. They told me I needed to pay the entire car loan in full or not get the car back. I needed the car to care for my XXXX wife and deal with finding work during COVID. My mother trusts me and she took out a loan in her name with more interest, I paid off the company and am paying my mother back. 1. I believe the CAREs Act protects consumers from having negative ratings on their credit if they are current on their bills. I paid off the car almost 5 years early. 2. Legal Exemptions : 15 USC 1681a - 2 ( a ) ( i ) ( 2 ) Exclusions. " Except as provided in paragraph ( 3 ), the term consumer report does not include .... - report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Congress stated that experiences between consumers and the person making the report should be excluded from the report. The company lent me money, I paid them back. Legally, according to Congress, that is all that should be reported.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have wrote you over 30 days ago via mail to send me the method verication that I owe this debt. 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: identity theft fraudulent accounts
Company Response:
State: MO
Zip: 65804
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Received presentment from SANTANDER CONSUMER USA in regards to an alleged debt XX/XX/2022. Payment was tendered on XX/XX/2022. XXXX XXXX, doing business as chief executive officer acknowledged notice of payment on XX/XX/2022. I have not received full credit of account. XXXX XXXX, doing business as chief executive officer SANTANDER CONSUMER USA is now using force and coercion per credit reporting agencies and also using threat to commit grand theft auto on a settled debt.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A