Date Received: 2022-05-19
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have an auto loan through Santander Consumer XXXX XXXX. This COVID Pandemic is really taking and effect on me. I am continually out of work. As you know when you are exposed you have no choice then to quarantine. I am a XXXX XXXX, and the job market was a mess before covid. I told them I am finally back to work now with a permanent company that will keep me on for a while. I asked them to give me a deferment so I can be on an even playing field. They said I was eligible for a loan modification and then denied me for no reason. Said I had too many. I cant control how bad covid is in XXXX XXXX XXXX. I am willing to make sure that I am on time from now on. Now that I am back to work. I need the loan modified to become current so that I can be in the current status and not have my car repo 'd.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX agreed to defer 2 payments on my account with them on two separate occasions. Once in XXXX of XXXX and again in XX/XX/XXXX with no negative credit reporting. This I find out is false, they agreed to the deferments both times and fixed their mistakes once. I contacted them today and was told even though they deferred the payments that they were going to report those payments as late due to their processing times of the deferments. This is totally unfair, why bother filing for an deferment of your payments if the company is going to report a payment or payments late anyway? I also sent them a copy of my wife 's Death Certificate to have my account changed from Joint account to individual account as of XX/XX/XXXX, since my wife passed away XX/XX/XXXX, my account still shows joint account which is wrong.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I bought a new XXXX XXXX XXXX in XX/XX/XXXX, and Chrysler Capital did the financing of the loan. I setup online account access and requested payless statements. I received one payless statement in XX/XX/XXXX and nothing else. I've never received paper statements either. On XX/XX/XXXX, I called Chrysler Capital and spoke with XXXX, employee ID # XXXX, who advised me that he could send me a copy of my XXXX and XX/XX/XXXX statements but when he attempted to send it to me, he was only able to send XX/XX/XXXX statement. While XXXX was extremely helpful in trying to resolve the issue, he was unable to. As outlined under 12 CFR Part 1026, subsection 17, the creditor, Chrysler Capital, is required to provide a periodic statement in either print form or electronic form provided by the consumer has agreed to electronic form.
Company Response:
State: NJ
Zip: 08610
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander targets sub prime lenders through sophisticated technology and prioritizes loans toward people most likely to default. Santander targets people who are seen as illiterate and approves of their car loan. Santander than continues to change the principal and interest prices monthly, knowing, that people with poor income have a much lower chance of consistently checking their car loans for any inaccuracies and discrepancies.
Company Response:
State: CA
Zip: 92111
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: On XX/XX/XXXX, I purchased a brand new XXXX XXXX at XXXX XXXX from car salesman, XXXX XXXX for approximately {$21000.00}. I didnt have established credit and the lender that I got through XXXX XXXX was Santander Consumer. During the first part of XX/XX/XXXX, I reached out to XXXX XXXX ( still at XXXX XXXX ) to inquire about trading my car for something larger, as I have a wife, XXXX children and a nephew that I am the father figure for, to provide transportation for daily. XXXX stated that he would look into the inventory and trades at XXXX XXXX and get back with me. Between approximately XX/XX/XXXX and XX/XX/XXXX, I stopped into XXXX XXXX to ask if there was an update about any vehicles. XXXX told me there was a XXXX XXXX XXXX ( with a sunroof ) that was being repaired and he would get a hold of the body shop doing the work, so that I could go see it. From what XXXX said, the price, body style, and condition of the XXXX sounded great. On XX/XX/XXXX, I received the address of the body shop that had the XXXX XXXX XXXX from XXXX XXXX. I took my mother out with me to see it, but there was no XXXX to be found. We went back to XXXX XXXX and spoke with XXXX, who again assured my mother and I what a great vehicle this was. ** My mother is XXXX, and my father had a XXXX XXXX at XXXX on XX/XX/XXXX because of XXXX XXXX XXXX XXXX XXXXXXXX. I needed to have a solid vehicle with room for all of my family or all the things my parents would have to take on many trips back to XXXX. ** On XX/XX/XXXX, I texted XXXX XXXX to start working up what XXXX XXXX would give me for a trade. He stated that he would have the paperwork at the dealership for me to pick up on XX/XX/XXXX. I arrived at XXXX XXXX on XX/XX/XXXX and was promised the XXXX would be there on XX/XX/XXXX I just needed to get my financing and {$1000.00} cash or check for them to hold. I had my mother with me again, and she refused to let them keep {$1000.00} cash. I went to my bank ( XXXX XXXX XXXX ) and dealt with Assistant Vice President, XXXX XXXX. She reviewed XXXX XXXX paperwork and found that they had over charged me several XXXX dollars. I texted XXXX XXXX on XX/XX/XXXX at XXXX AM that there were paperwork errors from XXXX XXXX that needed to be fixed. I went to XXXX XXXX they agreed there was a mistake and corrected the paperwork. I went back to my bank and received a loan and a {$1000.00} check to hold the XXXX. I took a copy of the unsigned loan and a {$1000.00} check back to XXXX XXXX and completed paperwork for the purchase of the XXXX XXXX XXXX pending I liked the vehicle upon being able to physically examine/drive it. The XXXX was not ready to see on XX/XX/XXXX. I had stopped in to see XXXX and he explained that the sunroof was taking a bit of time, it was a new shop for the dealership, ect and promised I could see it on XX/XX/XXXX. On XX/XX/XXXX, I took my mother down to see the XXXX at XXXX XXXX. My mother and I were very disappointed. There was no sunroof, there was extensive hail damage to the body, after being detailed there were really bad stains and my mother got excited when she lifted the floor mats and there was mold/water damage. XXXX explained he didnt know how this happened. My mother went into the dealership and demanded the {$1000.00} check back. At this point, we were separated.XXXX kept telling me what deals he could make me, that were way out of my price range, not to let my mother boss me, ect. Several salesman and financial people were inside and refusing to give my mother back the {$1000.00} check without her looking at other vehicles, buying a vehicle herself, having me buy a different vehicle, ect. My mother explained very colorfully that she lent me the money for the check ( that is true ) and she wanted that check now. She got the check. I took my mother back to the bank and had to have Assistant Vice President, XXXX XXXX, destroy the loan for the XXXX XXXX XXXX. Approximately XXXX XXXX, I went to look at trading my car at another dealership. I had my mother with me. As we sat with the financial people at the dealership, it was discovered that XXXX XXXX paid off my auto loan with Santander on my XXXX XXXX on XX/XX/XXXX! My note to Santander was paid off by XXXX XXXX and the title of my XXXX was now titled to XXXX XXXX! XXXX XXXX OWNED my car that I was making car payments and insurance payments on. I took my mother down to XXXX XXXX. We spoke with XXXX XXXX who found everything funny and told me the only way out now, was to buy a car from XXXX XXXX. My mother was not amused and demanded to see someone to answer some questions. An elderly lady with blonde hair and wearing tacky leopard everywhere, came to see us. She explained that it was a small back office error, I could always buy a car at XXXX and it would be a seamless transition. My mother stated that was not acceptable. The elderly lady stated that since XXXX XXXX owned my car, that they could also re-possess it at any point and my mother may want to watch her tone. My mother stated she wanted to see the XXXX XXXX dealership owner, XXXX XXXX - her request was refused. Since that time, I have stopped into XXXX XXXX several times to speak with XXXX. I am told I can buy a car from them and save myself the headache of dealing with Santander. It is also always a joke about my XXXX XXXX not being repossessedyet! I feel that as a threat to buy from XXXX XXXX or else. I have sent 3 signed and notarized XXXXXXXX XXXX XXXX forms to Santander to get the title in my name. On XX/XX/XXXX, Santander claimed to have the XXXX I sent, but, XXXX XXXX would not do their part whatever their part is. On XX/XX/XXXX, Santander called me to inform me that I never sent in a XXXX. On XX/XX/XXXX, I called Santander and demanded that someone give me a live person and fax number that I could fax a XXXX. Later that day, I faxed a XXXX to XXXX at XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX, I called Santander to see if the fax was received no one knew. I am at a loss of what to do. I am paying on and insuring a XXXX XXXX in XXXX XXXX name and have been doing it for 6 months now. I refuse to be strong armed into buying from XXXX to escape the title issue. I am unable to transport my family all together at one time. My father is now XXXX from the transplant. My sister and I each work XXXX hours a week to help support the family. And..the car is ruining my life! If unable to attach the information, I have documentation to back up everything I am telling you, except for the in-person conversations with the elderly woman and XXXX at XXXX XXXX XXXX
Company Response:
State: MO
Zip: 64804
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have contacted Chrystal Capital and all three credit locations to inform them that this account is settled with Chrystal Capital. I have provided documentation to show that this account is settled.
Company Response:
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
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, 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 all states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a XXXX payment on a credit card account under an open end consumer credit plan as late for at purpose.
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX 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 also states : a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for o purpose.
Company Response:
State: IL
Zip: 60102
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A