Date Received: 2022-05-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CHRYSLER CAPITAL In accordance with the Fair Credit Reporting act XXXX Account # 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: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX {$1700.00} ( XXXX ) XXXX XXXX {$1000.00} ( XXXX ) Hard Inquiries XXXX ( XXXX ) Santander Consumer USAXXXXInquiry ( XXXX ) XXXX XXXX XXXX- Inquiry ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX-Inquiry ( XXXX )
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT This is Additional information in regards of the CFPB Complaint ID XXXX I, XXXX XXXX had Forgot to submit my Cease And Desist letter in previous complaint mentioned above. However, the Cease And Desist letter is attached now in this complaint and shall not be construed for any reason!
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I had credit wise from XXXX XXXXXXXX, I do have access to my credit report and I noticed that I do have an unusual activity in a Santander USA for a car loan that I am not did it at all, the date of the issue is XX/XX/2022. I am totally clear that I do not process any of it. So that makes me think that some one that could it be a family member co habitant that have access to my personal information used my social security to add and miss used my credit that its already messed up. The only person that I think may use it its my father in law
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XXXX of XXXX I financed a vehicle with Santander and during the months leading up to XX/XX/2020 I made all of my payments on time. In XXXX I was a nurse working at the height of the COVID-19 pandemic and became infected with the virus. That being said I was unable to work for about a month attempting to recover from illness as well as its residual affects so I asked for an extension on my payment. The customer service rep offered their covid-19 relief program which basically stated that my payment for that month would be added to the back of my loan. I accepted but they still reported a missed payment. In XXXX we were then affected by a Hurricane which caused major power outages, property damage and flooding so I asked for another extension due to the fact that me and my family had to evacuate. Again they made note that I had been affected by natural disaster but still reported a missed payment for that month. XXXX I made my regular payment but it was not reported. In XXXX I set up an auto draft from the account on file with the bank and the payment was never drafted. XX/XX/XXXX my car was repossessed. I called and was told that i was to pay a balance of somewhere close to {$3000.00} to get my vehicle back. They told me that I had until XX/XX/XXXX to remit payment or my car would be auctioned off on XX/XX/XXXX. I called on XX/XX/XXXX to pay my balance in full and was then told by the rep that santander was not approving my account for repayment and that I basically just couldn't get my car back although I had the money to pay and called by the deadline provided. I also tried on several occasions to obtain a copy of the auction receipt to verify the balance owed on this loan and was given the run around by reps also all mail correspondence sent to the creditor by me was ignored. Also This company shows an outstanding balance of {$8700.00} on my customer portal as of XXXX but is reporting an outstanding balance of {$12000.00} to XXXX, XXXX and XXXX
Company Response:
State: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
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: Hello, I refinanced my loan from Santander USA with XXXX XXXX XXXX. On XX/XX/XXXX my loan with Santander USA was paid off. I have been requesting a release of lien letter from Santander USA since XX/XX/XXXX. Santander USA has hung up on me numerous times, transferred me from titles department to another department who then tries to transfer me back to titles. They have REFUSED to send it to me, told me XXXX XXXX XXXX needs to request it from Santander and that I, the customer, can not request it, etc. My state has a title correction deadline of XX/XX/XXXX and I can not get a simple release of lien letter from Santander USA.
Company Response:
State: IL
Zip: 60646
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I, XXXX XXXX, Consumer, dated on XX/XX/2022, am aware that Santander Consumer USA Inc are in noncompliance with The GrammLeachBliley Act which can be fined up to {$100000.00}. I, XXXX XXXX, Consumer are also putting Santander Consumer USA Inc on notice as of XX/XX/2022 of Cease and Desist pursuant to Federal law 15 U.S. Code 1692c ( c ). Best regards.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was in a accident XX/XX/XXXX. In XX/XX/XXXX the insurance company stated that my vehicle has been considered a total loss. I called my lien holder and advised them what was going on. On XX/XX/XXXX I received documents from the insurance company via XXXX stating they would be paying the car off and assuming responsibility. Then a third party company ( XXXX ) came and picked the car up. I reached out to the lender again to update them and ask if anything else was needed of me. They stated that they had been in communication with the insurance company and were aware of the pending payoff and nothing was needed of me. 2 months passed then I noticed my credit score had dropped drastically. I called the lender to see why and was advised the payoff still had not been Received. I called the insurance company and was told it was pending. I received a check from the insurance company for the surplus After the payoff which prompted me to call them again and they advised they still see it pending but hasnt been received. Now I went to apply for another vehicle and was advised this is showing up as a repo. I called the Insurance company who advised me that the check had been sent and had been cashed by the lender. They sent a copy of the check as well as a email indicating this was paid off. I then called the lender and spoke to a person who explained they did not receive a check until XX/XX/XXXX which is when they chose to charge the car off. They stated it was not a repossession but a charge off. I asked how this could be charged off if they receive a full payment? They stated because they had waited so long for the payment. I requested that they report this information correctly showing the car was paid off or return the funds since they are reporting that they did not get payment for that vehicle. They stated they would not. I advised that they were committing fraud because they are lying stating they had to charge a vehicle off when they actually received a payment and could be sued as well as audited from the IRS for tax fraud. That is when they said they would have someone give me a call, but I have yet to receive a call.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
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: We would like to file a complaint about Chrysler Capital and request assistance in resolving a title issue with our XXXX XXXX XXXX. Chrysler Capital was listed as a second lienholder while our vehicle was titled in XXXX, even though we never owed them money. The car was financed through XXXX XXXX XXXX and is fully paid off. On the XXXX title, there is a stamp next to the XXXX XXXX XXXX line item, clearing that lien, but not next to the Chrysler Capital line item. In XX/XX/XXXX, we moved to XXXX and upon trying to register our car, we were told we could not because there was no indication on the title that we did not owe anything to Chrysler Capital. Since XX/XX/XXXX, we had called Chrysler Capital numerous times to request they send us documentation to indicate we do not owe them money. While the agents we called tried to be helpful, there was never any continuity between calls because the agents told us we dont have an account with them, so there is no ability to follow up on any of our requests, leading to no progress on resolving our issue to date. The agents have provided us email addresses and a fax number, both of which we used to send our supporting documents for our request. We were able to confirm that they received the needed paperwork and were told a letter would arrive in 24 to 48 hours, but nothing has come of our efforts almost two months since that last attempt. This has been frustrating because it has resulted in unnecessary work on our end, including trying to find a lawyer to persuade Chrysler Capital to act, as well as preventing us from being able to sell our car. It has also resulted in us needing to pay personal property taxes in XXXX on our car, despite no longer living there. As of XX/XX/XXXX, we were able to register our car in XXXX, but our title still has not been cleared of the Chrysler Capital lien holder. We would like Chrysler Capital to send us an official document indicating we do not have any debt with them so that we can remove them as a lienholder from our title. Thank you in advance for your assistance.
Company Response:
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My complaint number XXXX, I need to just submit my documents
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A