Date Received: 2022-05-05
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I leased a vehicle from Chrysler Capital in XXXX. My lease was scheduled to expire at the end of XXXX. I did terminate my lease agreement approximately five months early since Chrysler Capital would not let me purchase the vehicle. When I returned the car, I was expressed by the dealership that I would receive paperwork in the mail of what my XXXX total would be to Chrysler Capital. Unfortunately, still to this day, I have never received the final bill. I have contacted Chrysler on numerous occasions by phone and by mail to attempt to retrieve my final balance. Chrysler Capital reported it positively on my credit report for many years, even though I did not make a payment past XXXX. I hired a third-party legal team to attempt to contact Chrysler Capital XXXX I believe that since I hired a third party, Chrysler Capital decided to reverse the information they were giving to the three credit bureaus and report negatively and then turned it into a collections account within two weeks. XXXX XXXX and I have made numerous attempts to contact Chrysler Capital to rectify the situation and pay the balance. They have chosen not to reach out to me ; they have never given me a final bill. They've never even given me the estimate of what the car was sold for after turning it in. I received a notice from Chrysler Capital stating that they added a {$420.00} charge to a closed account. There is no further explanation in the letter. Just for merit, they are charging me {$420.00}. I don't know what else to do, but this company thus far has made it extremely difficult to have any future ties or business dealings with them. I am hoping by shedding light on the situation, and somebody could bring clarity to a stressful situation I have all documentation for everything stated in this statement.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: To whom this may concern, I am writing to you regarding the predatory lending I have been subjected to with Santander, specifically, exposure to high loan-to-value and payment-to-income ratios. This was due to the dealership illegally inflating my income. In XXXX of 2018, I filled out an online application for financing with XXXX. I was upfront with information regarding my credit scorXXXX ranging from 400-500 and that I could not afford for a monthly payment to exceed {$350.00}. At that time, I was a customer service representative for XXXX XXXX also known as XXXX XXXX. The XXXX dealership in XXXX CA, responded to my online inquiry and advised me that I was approved and needed to come down to the store to finalize the paperwork. When I got there, the sales representative said she was able to get me approved for a 2018 XXXX XXXX XXXXXXXX She advised the only thing she had to do was change my income and make it so that I brought in more income than I reported. I didn't think anything of it because I was happy and shocked that I was able to get a car from them with no money down and a credit score no higher than XXXX. The sales representative asked me for my license which at the time I told her I did not have a valid drivers license but only had an ID. She said that was okay but that she had to check something out with her supervisor. She went into another room and spoke to a man then came back and said the ID was fine to take delivery of the vehicle, but that they couldnt allow me to drive the car off the lot. She then advised that she would drive it off the lot for me and have someone follow her. After the paperwork was finalized, she advised the monthly payment would be {$510.00}. She handed me the paperwork and called for her son, who also worked for the company, and told him that he was to follow her as she drove the vehicle I purchased off the lot. She dropped me off at my apartment where she then handed me the keys, she said congratulations on your new vehicle. I am filing this complaint against Santander as they should be held responsible for the illegal underwriting practices that occurred specifically related to the inflation of my income to support a payment-to-income ratio I could not afford. This predatory lending is nothing short of a UDAAP violation and is causing negative credit implications. As a result, I would like for the following remediation to occur : I would like to surrender the collateral to Santander and in return, Santander deletes my tradeline and waive any deficiency balance. Thank you XXXX XXXX XXXX : CA Attorney General
Company Response:
State: CA
Zip: 92220
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX i cos-sign on a vehicle for XXXX XXXX and this company approved the finance for the vehicle this a a notice that i have already contacted them on two sperate occasions and gave them notice that i recind pursuant the these references First, when an obligor exercises his right to rescind, he is not liable for any finance charge or other charge, and any security interest given by the obligor becomes void upon rescission. 15 U.S.C. 1635 ( b ). Second, within twenty days after receipt of the notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment or otherwise, and shall take any action necessary or appropriate to reflect termination of any security interest created under the transaction. Ibid. Third, upon performance by the creditors obligations under this section, the obligor shall tender any property the creditor has previously delivered ( or its reasonable value ). Ibid. Pursuant to Reg Z notice is given by mail, telegram, or other means of written communication. 12 C.F.R.226.23 ( a ) ( 2 ) ; See 12 C.F.R. Pt. 226, Apps. H-8, H-9 ( Model forms for excising Rescission Right ) ; 12 C.F.R. 1026.23 ( a ) ( 2 ).
Company Response:
State: TX
Zip: 77642
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I'm reporting bad faith and fraudulent loan practices from Santander Consumer USA Inc. On XX/XX/22, I sent in a letter of rescission per my right under XXXX XXXX after three previous attempts to validate the alleged debt owed on my car. Santander has not responded properly to my letters, affidavits or tabulations of violations to date. The only response concerning my actual request for validation, was a photocopied page of a one signature contract, with a fraudulent finance charge and a positive balance. There was never any notice given to me, neither in the original contract or in my following requests, with the proper full disclosure of the rescission process. According to XXXX XXXX I sent a notarized letter of rescission after learning my rights as a wronged consumer and was completely ignored and they sent me a threat to steal my property via notice to accelerate this month, long after my rescission letter was confirmed as received via certain mail tracking number. The entire transaction concerning my car was fraudulent from the beginning, and thus void from its creation and I'm seeking indemnification.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Accounts # XXXX and # XXXX. have 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 a payment on an account under a open end consumer credit plan as late for any purpose.
Company Response:
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I reached out to the creditor multiple times and never received a response regarding the late payments being reported by them on my credit report. The credit bureaus have validated the late payments but no one is providing me the validation
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
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 right. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also a state 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 On purpose.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Hello the vehicle was Damage with over {$7000.00} of work of damages done to the vehicle. The company received the Vehicle resold it and have not reported the correct amount which needs to be pay for the vehicle once the company resell the vehicle I will no longer be responsible for the {$28000.00} that the vehicle loan was loaned for. The company has not reported the correct payoff amount and is reporting it to my credit as a closed account years ago with {$28000.00} to be paid when the Vehicle was sold
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A