Date Received: 2022-09-06
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Earlier this afternoon and after deciding to purchase a new XXXX XXXX truck after having an opportunity to experience the new unit my son purchased just last week, I proceeded to apply online with Chrysler Capital directly in order to take advantage of the manufacturer 's 0 % interest for 72 month with 90 day free payment offer which expires at the end of the day today. Unfortunately shortly after applying, I received a denial email yet after contacting Chrysler Capital to inquire why my application was denied as to understand the reason for it since my credit history and score are both excellent ; I was told that Chrysler Capital although they take online consumer applications they will not discuss these directly with the applicant and have referred me to a local dealer which as part of this manufacturer 's application process they force you to select even though you might not be purchasing the vehicle from them. That said and as a consumer, not only do I have the right to know directly from who is processing my application why it is being denied instead of having to contact one of their local dealers who is asking me to submit another loan application so they can present it to an undisclosed number of lenders which will end up damaging my credit history and score. Not only is this unacceptable but I believe it is an unfair business practice should be investigated. I appreciate your consideration to this request and look forward to hearing from you soon. Thank you...
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Delete Late payments from Santander from XX/XX/2022, XX/XX/2022, XX/XX/2022 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards, XXXX XXXX
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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 an Purpose
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
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 any open end consumer credit plan as late for any purpose.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I mailed XXXX XXXX XXXX as well as Santander the same letter : Upon carefully viewing my contract, I am highly offended that you, car salesman name, finance manager name, and dealership name and DBA, decided to lie to me to complete a transaction instead of being clear and conspicuous throughout the process. That is a violation of 15 USC 1601. I have found more things to be fraudulent in my contract. I would first like to talk about the vehicle price. One cash price shows the vehicle purchase price for XXXX ; however, it also shows that price for the retail value of the vehicle as well. The cash price on the sticker of the vehicle shows XXXX. That is the only price I was made aware of during the buying process because there was no negotiation needed, only a test drive. The cash price listed on my bill of sale is XXXX, which is higher than what was discussed. Upon receipt of my Federal Truth-In-Lending Disclosure, the cash price shows XXXX. I am aware that price has interest added to it ; however, subtracting the interest would not put me at the price I was aware of during the buying process. When making my purchase, I was told that the price of my car is what is listed on the sticker, XXXX. My question to you what is the real price of my car really considering there are FOUR different cash prices listed? Raising or lowering the price without making it clear and conspicuous to my knowledge is illegal. It is fraudulent activity because I was not made aware of this notice. You changed the price FOUR separate times on my contract. Please refer to 15 USC 1611 in reference to fraudulent activity. That alone is enough to make my contract VOID, you be fined and/or have possible jail time ; however, I am going to continue telling you how you have lied and disrespected to me. If you reference to 15 USC 1605, upon looking at the Federal Truth-In-Lending Disclosure of my contract, I notice that the finance charge on my contract is separate ; however, according to federal law, the finance charge is said to be determined as the sum of all charges. In addition to that, the finance charge does not include charges of a type payable in comparable to cash transaction. What that means is cash should have been excluded from my transaction ; however, it was not. I was lied to and told a down payment was mandatory, so I presented an amount of XXXX. It was not made clearly and conspicuously to me that a down payment was not needed. Again, that is important because it is in violation of 15 USC 1605. Also, in violation of 15 USC 1605, I was not offered insurance. Per my contract, it says N/A ; however, it was not made clear and conspicuous to me that insurance is supposed to be provided in the finance charge. Not offering me insurance is illegal. According to 15 USC 1635, I had the right to rescind my contract by midnight on the third business day of me buying my vehicle ; however, you did not make it clear and conspicuous to me that I had that choice. Per my contract, it says no cooling off period ; however, per federal law, which is illegal. I have until midnight on the third business day to rescind ; however, you did not make that clear and conspicuous to me during the process. Due to this being a manner of fraud, I have contacted the attorney general about this matter. 15 USC 1611 states that you are at criminal liability for willfully and knowingly violating my rights. You listed false information in my contract by changing the cash price numerous times. You verbally told me false information by making me pay a down payment. You also did not provide me with insurance as well as the right to rescind my contract. You charged me an extra finance charge when in actuality the finance charge is supposed to be the sum total of all charges. This matter can be resolved without any further legal action. Due to you lying to me and violating my rights to complete a sale, I would first like to rescind my contract. The next thing I would like to do is demand my down payment back in full for XXXX. In addition, I would like to demand double my finance charge. My finance charge is XXXXX and double that is XXXX. The total I am demanding to be paid to me is XXXX. In addition to receiving my down payment and double my finance charge, I am demanding that my title be released to me. 15 USC 1635 lets me know that I am in the right with my demands. An invoice has also been sent as well about where/how you can send payment. If this matter is not resolved within 20 days, I will then be moving forward to settle this matter in court, which will then result in you covering court costs, lawyer fees, and {$1000.00} per violation that has been placed on my credit report. I look forward to overseeing this matter in a civilized manner. Thank You!
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX you are in violation of XXXX XXXX XXXX due to not VALIDATING THE ALLEGED DEBT. XXXX XXXX I respectfully request that your company provides me with competent evidence. I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Santander has obtained my personal account information, violated my confidentiality by falsely reporting fraudulent information on my credit report. I have the documents necessary to substantiate this claim. This very dishonest, Santander Consumer has also defrauded with XXXX XXXX XXXX to illegally and deceptively obtain money that was due to me. From the application of credit ( for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I have requested a validation of this alleged debt resulting in them ( Santander Consumer ) sending a null and voided contract. I also reported the credit to IRS via 1099b. Santander has also voided and rescinded and purchase ( XX/XX/2022 ) I can show receipts of payment history because I actually had been in honor of the contract. However for the initial purchase of the first vehicle ( XXXX XXXX XXXX from XX/XX/2022 ) there was never one payment because Santander XXXX rescinded that contract, I have no payment history with Santander obviously because I reported them to IRS, yet Santander has an animated payment history. I can prove fraud. I want the XXXX Santander Consumer has defrauded my insurance company for, I have been injured as a result. XXXX XXXX has the false payment history I also has copies.
Company Response:
State: CA
Zip: 92585
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
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: XXXX XXXX and XXXX have yet to provide me with their methods of Verification for a Santander loan on my report this account is showing several inaccurate things like XX/XX/2021 changing the account from charge off to on time. Along with several different opening and closing dates.
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I DID NOT APPLY FOR CREDIT AT XXXX XXXX XXXX XXXX WITH SANTANDER CONSUMERS ON XX/XX/22. PLEASE SEE ATTACHED.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I have reached out about a missing payment that wasnt applied. No one got ahold of me : they didnt get my information on the lawsuit when I am supposed to be part of it. They ran my credit 4 times when I was approved for the loan multiple times. Made me sign a whole new contract. Didnt reimburse for the extended warranty that should have been able to be used. Sold a car that was defective. They have also called me from XXXX to XXXX 7 days a week after being on the do not call register. After I asked no to be contacted over 200 times in a week. Ran my credit innocorecty and reported to the wrong creditors
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A