Date Received: 2022-02-23
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On my experience on XX/XX/22 was the worst experience I had when I went to this Dealership. I went in looking to purchase a vehicle I can use to get to and from work as a household necessity. I worked with a sales rep by the name of XXXX at XXXX car sales in XXXX, AZ. I gave the company my SSN and they ran my credit and I was told to purchase a vehicle Santander is requiring I need to put down {$3000.00}. The company denied me a car loan unless I put money down. 15 USC 1662, Prohibits Downpayments on a car loan. Santander should already know this as the sales rep told me they are under truth in lending regulation Z, The transaction is a credit transaction and not cash so my finance charge should have covered my vehicle purchase under 15 usc 1605, finance charge sum of all charges. Santander USA was in violation of the Equal credit opportunity Act for denying me credit on a auto loan and requiring a down payment
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: I disputed the validity of the debt, And requested the name and address of the original creditor with a document to validate the debt. The company then stated that I was a buyer and a customer not a consumer over the phone, I requested that in writing and they refuse to do so but send me a copy of a False and misleading alleged contract. Ive also made numerous complaints regarding the fair debt collection practices act and the truth in lending act and the fair credit reporting act. Santander consumer USA is not respecting it. Instead they refused to comply and threatened to repossess my vehicle once again
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I CHECKED MY CREDIT REPORT AND FOUND THAT IM A VICTIM OF IDENTITY THEFT. I CALLED THE COMPANIES AND THEY SAY I NEED TO FILE A COMPLAINT.
Company Response:
State: WI
Zip: 53208
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following organizations refuse to remove hard inquiries from my credit file that I did not authorize and ran my credit without my permission, causing my credit score to drop. Despite the aftermath ; I merely asked for each to reverse the inquiry. I contacted each business and even tried working with each Bureau to have them removed. Only one has actually committed to doing the research and compiled ( XXXX ) while the others will not send me proof of its actual findings to support keeping these inquiries on my credit file. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Several attempts made to remove uknown or authorized inquiries on my credit file to these companies listed with no progress.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Bureaus did not properly investigate my account with CHRYSLERCAP XXXX because incorrect information is reported on this account. A lot of errors in terms of the remarks. The payment history is incomplete and inaccurate. The 30 Days late is showing multiple times. This is damaging and irrelevant. Also, they payment status and the past due is being reported differently. I suggest that you should repair and update this account for legal and accurate furnishing. Thanks
Company Response:
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Chrysler Capital is showing XXXX late payments on a closed account that is COVID 19 related. This account has been fully obligated and now because of COVID 19 is indicating XXXX time late. Partial account # XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is the only vehicle that I have, and as a result of medical issues we now have limited income. I started paying for the vehicle by making several payments a month. We were told by several phone operators that this was a great thing. In that time we received XXXX statement via mail everytime I inquired I was given a different reason why. Then I was told that that they only sent them via emails. This went on every month. Starting in XX/XX/XXXX for the next XXXX or XXXX months I paid XXXX payments. But doing that there were issues, like I would have to contact them and say put the payment on the next month. Because I didn't get regular statements. When we paid using the XXXX we would be changed {$7.00} because we didnt have a current statement. I told several people this including the XXXX office. XXXX XXXX I asked regularly how was the payment devided on my account. There would be months that I was so ahead that they would say oh you don't have to make a payment until a month XXXX or XXXX months. Never mentioning all of this interest. I believe in XX/XX/XXXX I made a payment and they said oh you are so far ahead you don't have to make a payment until XXXX or XXXX. When I paid it. I called to make sure that everything was okay. And their response was that I was late and it went to interest. I couldnt believe it. But I was told something different everytime I spoke with someone. Asking for someone to call me from the corporate office. Finally I did a survey and remaked about how the loan was being handled than i received a call from the XXXX office. She said that she would ask for an audit I did get a call back saying the audit was fine and this was an interest loan and that's what happens and how she had a car and it worked this way. So for XXXX months I have paid and not XXXX dollar has gone towards the principal. I spoke with someone today and she said that what she saw was that we were behind for XXXX. She said that looking at it she could tell that something wasn't right so she was asking for an audit. She also said as long as I pay the due amount and nothing over that I was right it would never get paid off. Isn't that the definition of a sub prime lending company? I also asked why what I owed is hundreds less than what is being reported. To the credit bureaus I've asked this several times. I owe according to them {$7.00} but on my credit it shows that I owe XXXX XXXX and something and that I'm not late. When I got this loan I was not told that this was how it was going to be. I've helped people who have been stuck in payday loans and this is exactly what it looks like. No company in this country should ever. But especially in the midst of a pandemic be allowed to prey on people. My illness almost took my life. It is XXXX that is made worst by stress. I was told today that the rep sent my file to be audited i asked if i would receive a call. She say no you have to call them on XXXX. I have never seen this level of customer care. She also mentioned that there records were showing that I had not paid XXXX 's car note. Yet it is XX/XX/XXXX and I've never seen any kind of notice that states that. Please help us to resolve the situation..
Company Response:
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Debt is not only charged off but it is also fully satisfied as evidenced by the attachment. Santander is to cease & desist repossession efforts and send the lien release NOW. It is not to be sold to another " debt collection '' company. You are in violation of Federal Debt Collection Act Practices.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have an account with Chrysler Capital with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX, XXXX and XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses.
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A