Date Received: 2022-04-28
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: In accordance with the fair reporting actXXXX Chrysler capitol vilolated my righs 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604a section 2 ; it also states aconsumer reporting agency can not furnish a account without my written instruction. 15 USC 1666 B : A creditor may not treat a payment on a car loan under any open end consumer credit plan as late for any purpose.
Company Response:
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized used of my credit report.
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
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 any purpose.
Company Response:
State: TX
Zip: 75503
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I Search Q 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 payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: CA
Zip: 93257
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A person that was let go from a company I used to obtain a loan was charged with in house theft. That same person took my personal information and later took out several payday loans and a car loan under Chrysler capital car finance company in 2014. This is not my account and due to this person having all my personal information they were able to obtain a car loan with a copy of my drivers license, my signature, and my bank account information.
Company Response:
State: TX
Zip: 77706
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 XXXX AND SANTANDERS & XXXX FOR ALLEDGE NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. ACCOUNT INFO. SANTANDER CONSUMER USA Account XXXX XXXX Account XXXX
Company Response:
State: TX
Zip: 75042
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Account XXXX by Santander Consumer USA, 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: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair 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 602 A SSection 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 any purpose.
Company Response:
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Problems at the end of the loan or lease
Subissue: Problem extending the lease
Consumer Complaint: received a letter from chrysler capital regarding my leased XXXXXXXX XXXX XXXXXXXX. The letter stated that my lease was ending in 45 days and i needed to get ahold of the allegience team to inform them of what I wanted to do with the vehicle at the end of the lease. I contacted chrysler capital on XXXX XXXX to inquire about an extension to my lease as I broke my XXXX and can not drive the vehicle at this time. I was told that they would make a request and to call back in 2 to 3 days to find out if it was approved. Called back on XX/XX/XXXX and was told that there was nothing noted in my file. was placed on hold and after about 10 minutes the customer service rep came back and told me that I would not be able to extend my lease UNLESS I had ordered a brand new XXXX and was waiting for delivery with a confirmation #. I don't want a new XXXX. I then inquired about purchasing the vehicle and was told to get ahold of the XXXX team ( Chrysler capital lease option team ) to work that out with them. So i call the number for the XXXX team and it immediately went back to chrysler capital. Chysler capital then informed me that I wasn't able to speak to the allegiance team. Im like, i paid all my payments and am current on the lease, whats the problem? I was simply told that I wasn't going to the allegiance team. They quoted me a payoff that was higher than the residual balance on my lease and then hung up. I don't believe chrysler capital wants to sell me my truck for the residual value ( XXXX ) because they want to get it back on the lot ASAP because the value on that truck in still around XXXX to XXXX. I paid over XXXX in lease payments. I would like to be able to discuss with someone the option to purchase my vehice after the lease ends.I keep buying/leasing XXXXXXXX XXXX and XXXX XXXX but have never been treated this bad in all the years I've dealt with them. Normally they've been pretty good, this time not so much. I know they have a shortage of vehicles and heard from enough people that they simply want all leased vehicles back because they are now suddenly worth way more than the residual value. ( the price i get it for at the end of the lease )
Company Response:
State: WI
Zip: 54956
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 I was car shopping I got approved by XXXX and when I looked at my credit report, I see XXXX XXXX, XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX. I called all these places to ask to have these removed due not getting approved by them and they said they will not call the collection agencies. I did so and they turn and push it back to them. I need this gone off my report
Company Response:
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A