Date Received: 2022-05-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Despite XXXX letters being sent to all the XXXX credit bureaus, as well as directly to santander. Santander account number XXXX is reporting information inaccurately on all XXXX credit bureaus. On XXXX these are the items that are reporting inaccurately : account type open date is The number of months ( terms ) Last reporting date Date of last active Date of last payment Under the fcra is it illegal to report this inaccurate information.This is affecting my ability to get credit. Section 623 states that if an account can possibly be inaccurate, there must be an address conspicuously listed and if not, this account can not report. So this account should be removed immediately.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There was a debt resolution that has been completed as of XX/XX/2022. I made a XXXX ( XXXX ) installment payment for a total of {$3000.00}. I have received the lien release and a copy of the title ( via XXXX Mail ) as of XX/XX/2022. I have been reported inaccurately for XX/XX/2022 as well as XX/XX/2022. My account has a XXXX ( XXXX ) balance. I reached out to a Chrysler Capital representative as of XXXX p.m. XXXX on XX/XX/2022. The representative was provided my social security number and I provided them an explanation for the call and I was disconnected. I explained according to the Fair Credit Reporting Act that ALL information that is reported to credit bureaus must be accurate and up to date. Chrysler Capital has reported my account incorrectly and I question the integrity of their reporting and would like ALL reporting to be reviewed for the entire time of my loan and any misreporting to be corrected immediately.
Company Response:
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Summary : Chrysler capital keeps paying property tax bills for a closed account, and we can not get a direct line to anyone to try and fix the title issues with the state. The biggest issue here is that you can not get assigned an agent or anyones direct line, so you are routed at random whenever we try to speak with someone about a recurring issue. I had leased a truck through Chrysler Capital, and sold that car- with the existing loan being paid off in full - in XX/XX/XXXX. The car company that purchased the car did not correctly change the title, so the state sent an erroneous tax XXXX to Chrysler capital. Even though the account is closed, XXXX paid it, and then billed me for it. Trying to get this bill removed from our account, we spent hundreds of hours, both with the state and with Chrysler Capital, explaining the situation. They refused to give me a direct line to anyone, so when I would call, I would have to stay on hold for an hour, and then get routed to a random representative. I would have to explain what happened over and over again, only to be told someone was looking into my case and would give me a call. If I missed that call, they would tell me to call the national line again, where the process would repeat. It was impossible to get a real answer out of them. When the state needed forms faxed over to try and close the registration, they took a weeks and we continually received the runaround. Finally, We had confirmation in XX/XX/XXXX that our Chrysler Capital account was closed. Now we received another bill in XXXX of XXXX with another state property tax bill. We thought this was resolved with the state, and are working on that separately, but ultimately, why is Chrysler Capital still paying bills for a CLOSED account? They should never have paid the bill. We want to be completely removed from their system, but unfortunately can not get ahold of anyone to do so.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX, I have sent numerous times but I dont get any response back from XXXX XXXX
Company Response:
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XX/XX/XXXX social security number last four XXXX XXXX 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. Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan. Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: - A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the CONTRACT is imperative -Tai XXXX XXXX XXXX a living soul Woman, does NOT have a contract or a " wet ink '' Signature with the CORPORATION and/or CORPORATIONS D/B/A CHRYSLER CAPITAL, Inc., et al, etc- The CORPORATE FICTIONS/ENTITIES listed D/B/A CHRYSLER CAPITAL, Inc., et al, etc., are obviously trying to do harm to Me , the Living Soul Woman, XXXX XXXX of the family XXXX by coercion, force of threat, force of contract, payment of fictitious debt, etc -The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived -CHRYSLER CAPITAL is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt. -CHRYSLER CAPITAL is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Chrysler Capital is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. -When CHRYSLER CAPITAL accepted my application, they became a trustee in a fiduciary obligation, and I became the beneficiary. As the trustee, they must do what's in the best interests of the trust ( held at the United States-Treasury ) . My social security number ( credit card ) extends credit to CHRYSLER CAPITAL from the trust. If CHRYSLER CAPITAL does not do whats in the best interest of the trust and give the beneficiary, me ( XXXX XXXX XXXX XXXX remove lien from my vehicle and remove charge off from my consumer report they are committing trust fraud ( malfeasance of office ). -If CHRYSLER CAPITAL fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make CHRYSLER CAPITAL criminally and civilly liable for all actual damages pursuant to Title 15 U.S. Code 1681n and Title 15 U.S. Code 1681o. - 15 USC 1602L states that all accounts are paid in full the moment I use my credit card ( SSN )
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. SANTANDER, balance is {$970.00}, and account # XXXX
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In response to CFPB Complaint Case number XXXX, My name is XXXX XXXX , a federally protected consumer, and I am submitting this complaint against CHRYSLER CAPITAL for XXXX adverse action against me, with forethought and malice, by furnishing an inquiry on my consumer report without my lawful authority. My name is nowhere on any of these applications. The only proof I see on this document that CHRYSLER CAPITAL have provided is that adverse action has taken place. I did not initiate this inquiry, and this proves that CHRYSLER CAPITAL is committing fraud and identity theft by furnishing it pursuant to 15 USC 1681b ( c ) ( 1 ) ( a ). Unless you can provide me proof that I gave you my actual written permission to furnish this inquiry on my credit report, then this has been a fraudulently furnished inquiry reported on my credit report and needs to be blocked and removed. Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
Company Response:
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I financed a car in XXXX with Chrysler Capital in order to take advantage of a promotion. I made XXXX payments before getting a new loan as told to do so my the car salesman. I refinanced my loan with XXXX. The application was approved on XX/XX/XXXX. The check was received on XX/XX/XXXX, at Chryslers correct address according to XXXX. I received a bill from Chrysler Capital dated XX/XX/XXXX. In the account activity, it says the vehicle was paid off on XX/XX/XXXX, and the payment was reversed on XX/XX/XXXX. Meanwhile, I, the consumer, am receiving bills from two banks ( Chrysler and XXXX ) for the same vehicle. I have communicated with both banks three separate times now with no effect. This experience has been very frustrating for me the consumer. I am the one whos name and credit are the online. I would like for the two institutions to communicate with each other and resolve this issue promptly.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Good Afternoon, I'm writing this email because I want to file a complaint with Santander Consumer USA. I financed a car through XXXX around XXXX can't remember the exact year and the lender was Santander Consumers USA . Around XXXX I was let go from my job, I lost my apartment and had to have my repo since unemployment was not enough for me to keep these things. My understanding that after 7 years a negative inquiry should be removed from someone's credit report. This is not my case this customer still has this on my credit report since then and it's been more then 10 years. I've tried disputing it with sending letters to all credit bureaus and nothing. I just checked XXXX and it's showing that it won't be removed until 2027 that's 17 years on my credit report how could that be. They just keep updating the date opened. I have not had this car since like XXXX. I don't know if you are the right people to send this email to but it was on the XXXX website. Hope someone can assistance me with or direct me to the correct person or company as I don't think something like this should be on someone's credit report for more than 10 years. Best Regards, XXXX
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A