Date Received: 2022-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Account Number XXXX Name CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { acctdetails.phone } } Date Opened XX/XX/XXXX Responsibility Joint Account Account Type installment Loan Type AUTOMOBILE Balance incorrect this was closed see attached {$17000.00} Last Payment Amount {$0.00} Original Amount {$28000.00} Original Charge-off {$22000.00} Past Due {$17000.00} XXXX no past due im no longer responsible and the age of the closed account is way past its age in my credit report I was removed fraudulently by XXXX XXXX XXXX in XXXX my signature was forged and she did not have my consent and I was never provided with the signed executed copy of the removal, charge off of the account. She is the sole singer and responsible signee for this account since XXXX and I have no access to the account because she refuses to provide the documents needed to show that I am not responsible or listed since XXXX the late payments and payment reporting should also not be reflecting on my report as well please guide and help me with this process as I am being held liable and paying for someone else transgressions and fraudulent actions. I have never had XXXX late payment on any other account and Chrysler capital refuses to review the account because Im not an authorized person on this loan. Please help me get this fixed
Company Response:
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This Auto loan company showed up on my report and I asked both XXXX and them to remove the hard inquiry and did not get a response. I also asked for proof of my signature.
Company Response:
State: CA
Zip: 90744
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: back in 2020 when covid first came around i was having a hard time. XXXX XXXX XXXX XXXX XXXX with my at that time XXXX child. i caught XXXX at work doing XXXX and caused me to XXXX XXXX XXXX XXXX. i was having a hard time making the payments as i had so many other children and a mortgage so i had to choose. i asked santander to allow me to voluntarily surrender my vehicle since i no longer wanted it as # 1 i owed way more than what it was even worth. # 2 no longer making money. the vehicle was then SOLD at the auction and that price hasnt even reflected on what is showing on my report. i had a hard time and this car is really effecting me. XXXX took a huge turn for my family and i am asking that this get forgiven and removed from my credit especially since the report is misleading because that isnt even the proper amount that is owed on the remaining balance.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The facts stated here are true, correct and complete. Also there is no 3rd party only me. I've tried several time to get chrysler Capital to validate this debt. I'm a consumer and I know my rights. Chrysler capital may not use unfair or unconscionable means to collect any debt. Without limiting the general application of the forgoing, This kind of conduct has violations. The collection of any amount including any interest, fee, charge, or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Also enclosed are documents i send chrysler capital.
Company Response:
State: NJ
Zip: 08104
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I filed a Dispute with XXXX regarding incorrect information on my credit report regarding account : ( Santander ). It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to Santander in XXXX. The report shows the account was Charged XXXX in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account? I asked XXXX to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to Santander in XXXX of XXXX that the account be deleted. The result of the dispute with XXXX was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank. In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to Santander. How can it be sold to another company but Santander is the one reporting? My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: My vehicle was repossessed for late payments. I called the company to pay the full balance of late payments and the representative would not accept the payment. The representative stated I must pay the full balance of the loan. I could not pay the full balance and my vehicle was sold with the remaining balance still owed. I am receiving letters to pay the remaining balance when my vehicle was illegally taken after a dispute with my employer. I also believe the amount owed is incorrect.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not received any VALIDATION NOTICE, LETTERS via mail or electronically.
Company Response:
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat any payment on a credit care account under an open end consumer credit plan as late for only purpose.
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In accordance with Fair Credit Reporting act Santander Consumer USA account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft. As a result i discovered several fraudulent accounts upon review of my credit report. I have contacted the creditors for help getting the matter corrected with zero success. I am now seek greater assistance in getting this issue resolved.
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A