Date Received: 2022-06-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: In XX/XX/XXXX, I went into the dealership to see about a XXXX XXXX. However, me being a new buyer, I didnt have the proper credit score to get the vehicle I wanted. My credit score was ran numerous times where I was approved for a XXXX XXXX XXXX and I was pressured to buy it by the dealership. The paperwork was fraudulent. They lied about my income amount and I was faced with a very high car payment monthly. After a day, I tried to contact my salesperson to return the suv and she was nowhere to be found. Not only was the sale fraudulent, I was sold a lemon. It isnt even drivable. Numerous mechanic work still didnt fix the issues ; codes were just cleared.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: when I was checking my bill online for XXXX, I found out that the interest is more than any other month statement date Due date total principal interest XX/XX/22 XXXX {$740.00} {$240.00} {$450.00} all other statements show less interests, the month before was showing {$280.00}, the month before was {$29000.00} interests and so on, and as I know the interest is % 19 fixed rate. I decided to call customer service and I spoke with XXXX who mentioned that his Employ ID is XXXX, I asked him why I am paying {$160.00} extra interest since I have never missed any payment, he stated that because I paid my monthly payment 6 days earlier before my due date, I asked him how come, if I paid 5 days earlier that would save me interest and not adding {$160.00} extra. also Santander dont show how much interest and principal I have to pay with every bill they generated, but it showing on the next billing cycle, so their bill is just how much I have to pay without explanation till I get the next bill.
Company Response:
State: NJ
Zip: 07960
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
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 XXXX. 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 platinum 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 XXXX XXXX XXXXXXXX because nothing is due. I was able to make the payment on XX/XX/XXXX and this lending note never was ever XXXX days behind. Upon discussion with XXXX at platinum 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. Yet it was reported to the Credit Reporting Bureaus that my balance increased by {$300.00}. This did lower my score with the credit bureaus also.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX, I arrived at XXXX XXXX XXXX to execute my rights as a consumer by extending my credits for personal, family, and household purposes by acquiring a XXXX XXXX XXXX XXXX. XXXX : XXXX, for {$23000.00}. XXXX XXXX said the Lender is SANTANDER CONSUMER USA INC . XXXX XXXX XXXX also requested that I must put a down payment ; I gave XXXX {$2100.00}, but According to : 15 U.S. Code 1662 - Advertising of down payments and installments. No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 2 ) that a specified down payment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. Santander Consumer USA INC/ XXXX XXXX XXXX has refused on several attempts to return all the overage payments I paid to this group. First, in XX/XX/XXXX, I requested a Validation of debt which Santander didn't respond to. 15 U.S. Code 1692g - Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. Also, I was not informed of the three-day right to rescind the contract. 12 CFR 1026.23 Right of Rescission : Consumer 's right to rescind. Unexpired right of rescission. 23 ( a ) ( 3 ) i. When the creditor has failed to take the action necessary to start the three-business day rescission period running, the right to rescind automatically lapses on the occurrence of the earliest of the following three events : A. The expiration of three years after consummation of the transaction. Therefore, I exercised my right to rescind within three years of the contract. I sent a Right to Rescind letter and notified both XXXX XXXX XXXX and SANTANDER CONSUMER USA INC., as stated according to 12 CFR 1026.23 ( a ) ( 2 ) 1. Consumer 's exercise of right. Where the creditor fails to provide the consumer with a designated address for sending the notification of rescission, delivering a notification to the person or address to which the consumer has been directed to send, payments constitute delivery to the creditor or assignee. SANTANDER CONSUMER USA INC then responded with a ''Default To Cure Notice '' in XX/XX/XXXX and sent the first Validation of the debt letter in XX/XX/XXXX since the previous notice I sent in XX/XX/XXXX, but SANTANDER still flagged my credit profile for being late but under the fair credit reporting act, 15 U.S. Code 1681 section 602 A states I have a right to privacy. 15 U.S. Code 1681 section 604 A states, A consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts : that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment. I never gave SANTANDER CONSUMER OR XXXX XXXX XXXX XXXX permission to release any information about me. 18 U.S. Code 8 - Obligation or other security of the United States defined 18 U.S. Code 1002 - Possession of false papers to defraud United States 18 U.S. Code 1001 - Statements or entries generally : ( 3 ) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry ; 18 U.S. Code 1005 - Bank entries, reports and transactions any individual person SANTANDER CONSUMER USA INC repossessed my vehicle on my private property. I then sent a letter asking Santander Consumer USA INC. to provide the following information. UCC Article 9-210. FOR ACCOUNTING, REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT. Santander CONSUMER USA INC Provided another copy of the Validation of the debt letter. Santander is committing fraud every day and going untouched. I gave XXXX XXXX XXXX the security, and they accepted the security. The bank deposited the securities note with several witnesses, including a notary. Santander consumer USA repossessed my vehicle and left my family and me without a vehicle. SANTANDER/ XXXX refused to return my security deposit, claiming that I still owe them monies when the agreement said I would tender payment. I tendered payment in full with interest. Accounting to the Federal Reserve Act, The promissory Note I signed at the dealership was a security, and the note operates as a security deposit once I give it to XXXX XXXX XXXX. They received my security deposit that had a face value, and they never applied it. SANTANDER reported the repossession and charge-off to the credit bureaus and damaged my credit worthiness. The Supreme Court says I have a right to use such rebuttal presumption, and I can provide the evidence.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: XXXX XXXX XXXX XXXX XX/XX/XXXX {$6600.00} Term 51 months ( 4 years ) Closed account Effecting my credit and abusing my rights. 15 U.S.C 1681 section 602 A. State I have the right to privacy 15 U.S.C 1681 section 602 section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am speaking XXXX. On XX/XX/2019 -- My friend asked me as a favor to take his XXXX XXXX XXXX for XXXX to get tires rotated. I agreed to do so. I want to emphasize that I DID NOT GO TO XXXX XXXX XXXX XXXX ( henceforth XXXX. ) to go vehicle shopping. I had no thoughts or intentions of 'buying a car ' and then an old high school acquaintance and wrestling teammate who was/is the salesman -- saw me waiting for the service to be completed on the XXXX. We all can agree that salespeople are taught techniques and sales tactics. I believe it is language fraud to begin with orally. And then of course to get pen to paper the practice of fraudulent conveyance of language over and on a contract. The syntax of contracts is in error. They did not tell me what language they were using either. I am free to exercise my XXXX XXXX. Chapter XXXX XXXX ( r ). I am free to be correct and communicate in a language that means what I say and says what I mean. In case you didn't know -- I am speaking XXXX. As a consumer I have a right to complain about these matters so that they XXXX be corrected so that I : XXXX XXXX XXXX. am no longer being violated. Issues : XXXX. I was not at XXXX. to go car shopping. XXXX. Salesman asked me if they could run my credit check. XXXX. I didn't think my credit was good enough anyways -- I was curious if it was. XXXX. I was in between jobs but did not get the job I anticipated -- I was terminated for my criminal record on the first day. XXXX. I went back to work part time making minimum wage in Wisconsin at the time {$7.00} round. Which means on that day I did not think I was making enough money to afford a vehicle. XXXX. There was no verification or proof of employment necessary! *** XXXX. The whole time of going through this process was about waiting for the XXXX to be serviced and quash my curiosity. XXXX. I was surprised that it came back with a lender i.e., Chrysler Capital. XXXX. The salesman had me fill out all of the necessary paperwork, signed, dated, and money transferred. XXXX. Then it was time to go pick out and XXXX XXXX a car, right? WRONG! XXXX. I was shocked when the salesman said to wait -- and came back with this car. I did not get to pick it out. XXXX. I did not get to pick it out OR XXXX XXXX IT? XXXX. It was already too late in my mind -- and it stuck with me to this day -- I knew something felt wrong. XXXX. The car was having problems immediately. Bad battery? They were willing to acknowledge they sold me a car with a bad battery right way. I think the battery was fine -- but they tried charging me {$120.00} for it. I complained about the price, for XXXX I did not actually have that much money on me. XXXX. XXXX charged me less for the battery because I complained that I just got it. XXXX. XXXX. thought it was the battery -- because the car kept XXXX on me while I was driving it. XXXX. It turns out it was burning oil too quickly. It just needed an oil change. XXXX. I found out later the model was 'recalled ' for a XXXX issue -- burning oil again. XXXX. Very poor customer service. XXXX. I did not have the knowledge of this ( CFPB ) resource until recently -- I tried talking to the XXXX at XXXX. and he was very rude to me. After signing for the car -- everyone changed their demeanor on me. XXXX. The XXXX told me that all my issue were with Chrysler Capital. XXXX. The 101 % borrowing ration on my credit report prevents me from getting an auto repair loan which I need desperately. My complaint is both with XXXX. selling me this car under misrepresentation and the penalty of perjury ( basically it is a lemon )! but it was later that I found out about the 101 % leveraged against me and it hurts. But it is through Chrysler Capital on my report that is 101 % credit ratio. I need XXXX XXXX to get to work to make money. I need my car fixed XXXX XXXX to work to make money. I am unable XXXX XXXX to work safely because I am unable to take out a loan to get the car fixed. I am unable to pay for the fixing it needs out of pocket. How can I get to work safely to get this money out of my pocket? I thought it was obvious, I would just get a car repair loan. My own XXXX XXXX will not loan me anything because of this 101 %. A. I am constantly about 100 days behind XXXX. B. As of today ( XXXX ) gas costs me {$70.00} to fill up! XXXX I am not currently employed. XXXX I am unable to afford car insurance. XXXX I am unable to get to work safely or legally. XXXX I am unable to make any payments toward the vehicle. XXXX XXXX won't be able to make payments soon. XXXX XXXX. And Chrysler Capital emailed me saying that they could help. So, I called and answered all these questions that took a long time -- only to find out that they could not help and then tried to get me to make a payment ; after just telling them everything I wrote here. On the credit report there is mention on a few months about I was negatively effective by a natural disaster called " XXXX '' -- but the truth is ; I still am! I need that to be mentioned on every month that I have a late payment. So now XXXX late payment after the next -- looks bad on my XXXX XXXX and is completely sabotaging my score. I want them to be held accountable for selling me a car while ignoring all of the red flags I have. I was sort of hoodwinked and unwittingly entered into this contact -- out of shock that I could qualify for it. The problem with ignoring all of my red flags and allowing me like me to enter these contracts is that according to all the science and studies -- we all should have known this car would have caused me to go broke. So I am accusing XXXX. of fraud -- and Chrysler Capital as well. I am XXXX poor person -- who has a lot of red flags -- to my defense that what red flags are for. Because of my unique situation I can prove misrepresentation.
Company Response:
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I recently ran into a issue with making payments with Santander consumer. I fell behind making my payments but have been making a payment none the less. I explained to them that the reason was for a change in work schedule, medical, as well as a problem with my financial institution blocking my payments. I was initially advised by a representative that I didnt meet the requirements for an extension. I was told that I would have had to been making payments for five months. I have made the number of the payments that I was advised but I am still being denied. Today XX/XX/XXXX I received a email that stated based upon a review of my account it appears that we may be able to offer assistance but we need to speak with you to discuss these options. I contacted them and spoke with two different representatives. The first representative was with their customer service team who said that I would be eligible for a one or two month extension. The second representative I spoke with was with their assistance team. She asked a series of questions then advised me that I wasnt eligible because I had to have a payment history of eight months. Over the past few months I have talked to several different representatives and each time the timeline changes regarding getting an extension. Its beyond frustrating dealing with some of the representatives from this company. They give you wrong information and dont listen very well.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement. As you can see in the attachments, Santander just settled the case in XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from credit report. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: The account shows an address that is not my address. During the time of the account being opened, there was identity theft attempts. I made attempts during the time of the account being opened to correct the address both through online customer portals and with customer representatives, but the correct address was never reflected. The account has since been closed and paid in full.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I am submitting this matter as a new complaint because my original complaint was closed after XXXX submitted a response without clearly identifying their fault regarding the wrongful repossession of my XXXX XXXX XXXX XXXX. The original CFPB Case number is XXXX In its recent response ( attached ), XXXX states : >> '' The Check was received on XX/XX/XXXX, and we subsequently released our interest on the title to the Vehicle on XX/XX/XXXX. The Check was not processed by our bank and on XX/XX/XXXX, it was sent back to XXXX XXXX '' .<< This language is very misleading and dishonest. XXXX is intentionally using vague language to cover its XXXX by cleverly stating " the check was not processed by our bank ''. Checks aren't simply " not processed ''. When a cashiers check is not processed, someone is to blame. In this case it is clearly XXXXXXXX XXXX fault. For many weeks they have been telling me " the check was returned ''. Saying a check was returned implies wrongdoing by the customer- usually meaning a bad check. XXXX is now trying to avoid admitting wrongdoing by using vague language. Today I found out that the cashiers check was not processed by XXXX XXXX bank because XXXX failed to endorse the check properly when they deposited it. Endorsing a check for deposit is a most basic function in the banking industry and XXXX should have known better. The cashiers check was returned to XXXX because of its own fault. The check was NOT returned to XXXX XXXX but to XXXX. Everyone knows that when a check is returned, it is not returned to the issuer- it is returned to the payee. All they had to do was properly endorse the check and re-deposit it. I have no idea where the check is now, but it is not at XXXX XXXX and the funds have not been in my account for many months. XXXX intentionally fails to state who or why the check was returned as they are trying to cover up the fact that this was all caused by their failure to implement basic industry standards. Instead, they waited eight months and simply took my car. On the day after the repossession of my vehicle, I called XXXX and spoke to agent " XXXX '' badge number XXXX. On a recorded line, he stated that my car had been repossessed because the check had been returned for " Non-Sufficient Funds ''. This is false and, again, XXXX is demonstrating extreme XXXX In order to justify their error they attempted to blame me for having written a bad check. This is really outrageous! At no time did anyone at XXXX have any evidence to support that a CASHIERS CHECK was returned for Non-Sufficient Funds ''. I sent a cashiers check willingly and of my own decision- not because XXXX required it. Cashiers checks are rarely, if ever, returned NSF. I did not pay with a personal check. The money has not been in my account since XX/XX/XXXX and XXXX took action against me and denied me possession of my car. XXXX also states : >>Thereafter, it appears a repossession attempt was made on your Vehicle ( which possession of the Vehicle was immediately returned to you, and you currently have possession of the Vehicle ) .<< This is another false and misleading statement in a blatant effort to downplay what XXXX did. XXXX did not " apparently attempt a repossession on my my vehicle ''. XXXX ordered a repossession of my car, eight months after I paid it off entirely. They entered the parking garage at my workplace by opening a gate to gain access and a full repossession took place. XXXX did NOT immediately return the vehicle to me. Instead, I was forced to go to the XXXX XXXX XXXXXXXX Police Department that very afternoon with a copy of the vehicle title in hand. The investigating XXXX called the repossession agent and explained the situation on the phone. After a phone call back to both myself and the police officer, the repo agent stated that XXXX refused to authorize releasing the vehicle to me. The next day I received a phone call from a XXXX agent asking me to give her the mileage on the car because they needed that in order to request a new certificate of title because they would be liquidating the car at an upcoming sale. I hung up the phone. Consequently, I frantically contacted the repo agent again and provided proof of the title with the release of lien and he delivered the car back to me AT MY REQUEST. XXXX did NOTHING to make this situation right. Currently, XXXX is alleging that they still have not received the funds. This means that I am possibly at risk of having my credit report negatively impacted. Given the absolute XXXX I have witnessed from XXXX, I am truly concerned about how much more damage they may yet still cause against me.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A