Date Received: 2022-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Chrysler capital ruin my credit score, they charge high interest rates and the costumer service is horrible, I had one late payment since 2018 and they did a bad report to my credit score, please check this companys review and complains. Chrysler capital doesnt have any respect and consideration for the costumers.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I tried to remove a late payment from XX/XX/2020 on my Santander auto loan. This was the only payment I missed during Covid. I was told by the lady that took my call that they have to follow the FCRA rules and can not remove the late payment even if it happened during Covid.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: This is an amendment to my recent complaint against Santander Consumer USA. I had received loan payment extensions and was Not informed of the additional charges ( interest, late charges and other fees ). They were sent me an email about some fees but the notice failed to explain additional fees associated with my account. Additionally they did not disclose to me the terms and other info that would affect ( impact ) the way my loan was being handled. Even though they record calls they do not disclose all actions being taken which has affected my loan significantly.
Company Response:
State: CA
Zip: 94598
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report its has been over 30 days and I have not received any investigation results.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XX/XX/2022 I paid of my car loan with Chrysler Capital. The account was subsequently closed and confirmed that I had paid off the car loan. On XX/XX/2022, the Chrysler Capital auto pay system deduced {$400.00} from by bank account as a scheduled payment, although the loan had already been paid off. I contacted Chrysler Capital on XX/XX/2022, who pulled my account, and verified the loan was paid off on XX/XX/2022. They were unable to find a record of the auto payment on XX/XX/2022, even though I had the payment confirmation number to provide them. They told me they could not explain the charge, and could do anything. Chrysler Capital is continuing to make unauthorized withdrawals from my bank account for a loan that does not exist, and I can not stop it.
Company Response:
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I was impacted by COVID-19 pandemic and as a result my work hours decreased severely also had a on the job injury. These two combined really hurt me financially, I have always kept in touch with Santander consumer USA regarding my situation. I have kept in constant communication with Santander Consumer USA from the very start, I told them that I am responsible and willing to bring my account to current status because it is in default and they have threatened to repossess my car again. I have told them that I am willing in good faith to bring my account up-to-date but they continue to harass me giving me notice to bring my account current or they will repossessed my vehicle. Earlier this year in 2022 Santander consumer USA was sued by consumers in another state it was a class action representing consumers with subprime loans who were affected financially the government was involved and Santander settled with consumers. I would like to add that I was just a few months away from being part of the class action but was not so I didnt receive any relief, Santander consumer USA is known for preying on consumers with their subprime loans and lending practices. They issue loans knowing that consumers with supreme loans will at some point default in their loan and then they come and repossess the vehicle and in the end they profit where is consumers are left behind. Santander consumer USA continues to harass me over the phone using Robo calls despite the fact that I have kept communication from my end continuous. They issued me a right to cure my loan before a certain date they have continued to ignore my financial situation and I am currently being forced to seek the option of filing a chapter XXXX bankruptcy for relief and to protect myself from Santander Consumer USA repossessing my vehicle. There lending practices to consumers are against consumers fulfilling their loan obligations and they continue to practice like this taking advantage of vulnerable consumers like myself who are trying to get back on their feet financially especially during the Covid/19 pandemic. The state of California, Attorney General should file a lawsuit against Santander Consumer USA for their business practices and targeting consumers with subprime loans and further taking advantage of them when they know in advance that consumers with supreme loans will most likely default within the term of the loan and not have an opportunity to pay the loan off. Their predatory lending practices to consumers needs to be overlooked by the attorney general so that they stop from targeting vulnerable consumers.
Company Response:
State: CA
Zip: 94598
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have had the vehicle for 5 years and the principal balance was {$15000.00}. I pay XXXX XXXX monthly. However they have been applying my payments of {$400.00} towards interest instead my principal balance. I still owe over {$10000.00}. I am facing financial hardships and they are threatening to repossess my vehicle. My child was diagnosed with XXXX recently and I need my vehicle to get her back and forth to therapy.
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested for Chrysler Capital to send me a contract with my signature for alleged account. An email from XXXX was sent to me on XX/XX/2022. The attachment ( .tif ) was not readable. I responded to email asking for a PDF instead, I have not received a response.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
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: Santander Consumer USA is still reporting negative remarks on my credit report. I have contacted Santander, I have contacted XXXX. I still have the same results. That account is in litigation due to predatory lending and this account needs to be removed.
Company Response:
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking my credit report and saw some unauthorized and unvalidated inquiries on there
Company Response:
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A