Date Received: 2022-05-24
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX Ny XX/XX/XXXX XXXX down payment XXXX XXXX XXXX Loan from Chrysler Capital Bank Vehicle repossessed lost my job, bank sold the vehicle and there is a remaining balance, vehicle was rendered inoperable several times with multiple mechanical issues. I experienced financial hardships as well as not having a vehicle too. There were a lot of out of pocket expenses including towing and repair. I complained to bank and dealership, basically I was sold a lemon.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Santander Consumer USA they call every day leaving voicemail. They called XX/XX/2022 to contact the servicing center.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Statements of Fact : 1. On or around XX/XX/XXXX, I did finance a XXXX XXXX through Santander, for which I paid regularly {$530.00} every month without failure. I paid always on time. 2. On or around XX/XX/XXXX I, informed Santander that I had lost my job and would likely voluntarily surrender the vehicle if I did not secure another job in a timely manner. 3. On or around XX/XX/XXXX, While still current on my car payments, I called Santander to plan a voluntarily surrender of the vehicle. I was never told I could only voluntarily surrender the vehicle in Texas. 4. On XX/XX/XXXX I spoke to several people at Santander and I followed up with email and other forms of electronic documentation when I was told to my dismay that I must drive the vehicle back to Texas for voluntary surrender. 5. Being that my airplane was scheduled to leave XXXX on XX/XX/XXXX for overseas travel, I informed XXXX and several other employees at Santander that it would be cruel and unusual punishment to force me to drive the XXXX XXXX back to Texas for voluntary surrender. 6. Records of all attempts I made to voluntarily surrender the vehicle are easily obtainable either from me or from Santander. I still have records of workers at Santander telling me I must drive the vehicle back to Texas as the only condition for voluntary surrender. 7. I provided address at XXXX A, XXXX XXXX, NY XXXX for Santander to send their agents or representatives to meet with me for a voluntary surrender of the vehicle. 8. Till XX/XX/XXXX I saw no one. All my requests were ignored. I was told Santander keeps records of phone conversations. I sincerely hope this can be made public so, all can see the frustration and humiliation I suffered. 9. I requested to know where I would leave or send the car keys. I was specifically told Santander does not need the car keys since Santander has already decided to repossess the car. 10. I voiced my disagreement both over the phone and in writing because I was current on my payments and yet Santander preferred to repossess the vehicle rather than accept my voluntary surrender. 11. I travelled overseas and for a period of over two months called my family continuously. I was shocked the car was packed for several weeks. No representative of Santander came to either voluntarily pick up the car nor remove the car for several weeks after I left the country. Being overseas I was handicapped. I could only wait till I returned to the USA. 12. I have kept records of my conversations with Santander including records of staff and their positions in Santander I spoke with. I was also informed by staff at Santander that records of my phone conversations will be preserved. All messages I exchanged with Santander in my account with Santander will confirm these facts. I encourage you to conduct your own investigation to see that I have provided only verifiable facts. Thank you. Thank you for resolving this matter and making me whole. I have suffered terribly and unnecessarily. This cruel and unusual treatment needs to stop immediately. Yours Sincerely, XXXX XXXX, XXXX XXXX XX/XX/XXXX Dispute by Mail
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: SANTANDER CONSUMER USA account number : XXXX date opened : XX/XX/XXXX past due amount : {$17000.00} U S DEPT OF ED/XXXX account number : XXXX date opened : XX/XX/XXXX pasted due amount : {$9400.00} U S DEPT OF ED/XXXX account number : XXXX date opened : XX/XX/XXXX pasted due amount : {$4100.00}
Company Response:
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I need of your help in a serious matter involving my credit report. After reviewing my credit, I have realized that Santander consumer USA have been reporting damaging information to my credit report from XXXX in the amount of {$29000.00} on a vehicle that I purchased XX/XX/XXXX with a down payment of {$7500.00} since then Ive been making payments of a {$1000.00} each month for 3 years paying out XXXX and Santander consumer USA saying I still owe them as of XXXX, XXXX XXXX a balance of {$29000.00} Ive called them to understand and try to resolve the problem on how I still owe so much on a car I no longer have after all these years my account still with Santander consumer USA and not a debt collection Ive try to see what I have to do to resolve the high payment to lower the balance or take it off my credit report Santander consumer USA telling me that its no other way until I pay the {$29000.00} in full me telling them I can not afford that amount and them telling me they can not take any payments what so ever and as of XX/XX/XXXX this debt has been closed out and changed off as bad debt profit loss and write off and it still reporting to my credit each month due to a series of hardship and medical problems in my life while I normally make great strides to fulfill my debt management responsibilitie, at the time of the debt I was unfortunately unable to
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Santander Consumer has violated my rights. 15 U.S. Code 1681 Section 602 States I have the right to privacy. 15 U.S. Code 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1666b : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Company Response:
State: SC
Zip: 29316
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2022 car payment was tried to be taken out of an older bank account that was on listed on my payment section. I never provided this account information but they tried to tell me that I put it in. I never did such thing ( account had been closed since before getting the car loan ) and always made my car payment with the correct current bank information that was saved on file. They processed my car payment on that old bank account and reported it late. The payment was never late. Im waiting back on the audit report for my account and its been over 90 days since the start of the case with no new information provided besides were still investigating email confirmation of payment also comes up as XXXX coupons and has been reported as spam
Company Response:
State: TX
Zip: 76548
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, # XXXX # XXXX 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 1666A & 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before payment due date.
Company Response:
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a pay off quote, and paid, its not closed!
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Santander Consumer USA is notorious for predatory practices and allowing lenders to give false information about their customers so that they get approved for a car. It may seem good for people with bad credit, but they intentionally target these sub-prime customers so that they can give you extremely High Interest rates and make you have to make payments on a car that total far higher than the car is worth. Santander Consumer USA approved me for a car loan of a brand new car back in XX/XX/XXXX which I found out was a Lemon. Within five years the transmission on the car Santander loaned me had broken down totaling over {$2000.00} worth of fees to fix. Along with the car auto shutting off whenever I drove over 25 miles per hour. The brakes had problems and wouldnt work too well within the first week of driving the car. The car would also squeak loud whenever I turned a corner the very first week, and still does 5 years later. Along with the XXXX XXXX XXXX XXXX XXXX having tires that I had to special order online, there were 6 times I had to replace the serpentine belt. I am on year 6 with this car, and it just overheated and started smoking randomly on the road. Ive spent over {$580.00} just on mechanic fees this month. Ive also paid over {$17000.00} to Santander Consumer USA for a car thats priced around {$12000.00} to get it brand new. The worst part is that Santander Consumer USA only marked my total payoff balance down from {$15000.00} to {$12000.00}. Five years of paying car notes that total up to {$350.00} monthly ( excluding car insurance ) and my credit report is worse than it did before I had this Santander Consumer USA loan on my account. They also call and harass me every day and ruined my credit report by saying I was 3 months due on late payments when Ive already paid off the car. I should be getting a title for my car sent in for my Santander Consumer USA car loan being fully paid off, but instead Im getting harassment calls everyday from them, along with an extremely high false payoff balance and their false late payments Santander listed on my credit report made my credit report drop over 100 points. The amount of stress, worry, low self worth, XXXX, and feelings of hopelessness that came from Santander Consumer USA is torturous and I just wish this car loan, would be accurate and show my loan to be completely paid off and removed from my credit report so I can live my life freely again.
Company Response:
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A