Date Received: 2022-02-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have had this loan with Chrysler Capital since XXXX of XXXX. I am filing this complaint because Chrysler keeps trying to state that this loan was not predatory and so on. First and foremost I was completely taken advantage of a the XXXX dealership and not only that I was overcharged about XXXX on what I should have paid on this. As a single mom and under duress since I needed a new car and was in a bad place after divorce I took this loan and it has been the biggest regret of my life. XXXXSANTANDER/ Chrysler Capital should be ashamed and they have been investigated multiple times and have had to pay fines. But I am attaching the letter from them after XXXX. They claim that the loan was not predatory but it clearly was and they actually prove that in their letter since it clearly shows how much I have struggled to even pay this loan. Not only that the car I have had to spend over XXXX on repairs on from the head gasket to the transmission and cat converter non of which was covered in warranty. I also cancelled the extended warranty and gap insurance 2 months after purchase which was supposed to be credited on my account. in XXXX which seems they never did either. Also when they claim this loan was not predatory then why has it been so difficult for me to make payments which is clearly proven in the letter they sent to me. I can barely pay for this and as a single mother of 2 this loan has drained the life of me and been a constant stress. Chrysler has been nothing but horrible and dismissive. To date I have paid them over XXXX for a XXXX car ( owing another XXXX ) and still all my money just lines their pocket with interest. I could never refinance since the car has always been underwater as well. I do not want this to happen to any other person and that is why I am sending this and that is why I am showing where the issues are. If this was an easy non predatory loan then I would not have 32 late payments. All of my other bills are paid on time. Honestly I should have never been approved for a XXXX payment. There is no way I could make it. XXXX is what I should have been approved up to. While Chrysler Capital tries to place blame on everyone but them it is quite clear they also hold liability here and are preying on struggling people. Also they sent me an email on XX/XX/XXXX stating they had options to help me on my loan and when I called them they just stated they have nothing to help with and they just email that out to have you call in. False advertising Dear XXXX, Chrysler Capital is pleased to service your vehicle account. Our goal is to make your experience with us a positive one. Based upon a review of your account it appears that we may have assistance for you. We are here to help you but need to speak with you to discuss these options. Please contact us at XXXX, Monday through Friday, between the hours of XXXX XXXX. XXXX XXXX., CT, or Saturday, from XXXX XXXX. XXXX XXXX., CT, to speak with a customer service representative regarding your account. We appreciate your business and look forward to assisting you with your auto finance needs. Sincerely, Chrysler Capital I want the CFPB to use this information to educate people and investigate into these practices that Chrysler denies. I have already started a private XXXX page for people to share their stories about this and I am in discussions with an attorney. For either working on my case about predatory and discriminatory actions towards women specifically. I have learned a valuable lesson and I am smarter on this now and see how I was taken advantage of. Chrysler Capital needs to pay for how horrible of a company they truly are. Their reviews are the same all BAD. I am not alone in this and this company has the worst customer service and values I have ever dealt with. I will be posting all over the internet the letter they sent me. No one likes to show that have struggled to pay a car loan but this loan has destroyed my life and one I still can't get away from because how under water it is. I am sick to my stomach how this company has taken my happiness and ability to give my kids things to pay for it and at that point barely pay it. I took a huge pay cut in XXXX but this company will never refinance or do anything to help customers. They just offer XXXX extensions which gives them more money in interest. It does not help the customer. I will never buy a XXXX XXXX ever again and I am working with people to expose that I am not the only one this company has destroyed.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I sent a debt validation letter certified mail so I can validate the debt they never responded so now Im filing a cfpb complaint! this debt collection agency is stopping me from exercising my rights as a consumer and in the letter I asked for them to send me the documents I asked for or pay all scheduled fees and to remove the alleged debt from from my consumer report. Statements and contracts ARE NOT A VALIDATION!!
Company Response:
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
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: I am filing this complaint for myself, a consumer & natural person without any help of a third party. This complaint is about Santander Consumer USA, the bank that provided my loan for a used XXXX XXXX XXXX vehicle that I purchased from XXXX on XX/XX/XXXX. This loan which was for the total of {$29000.00} ( finance charge ), {$31000.00} ( amount financed ), {$61000.00} ( total of payments ) & finally {$62000.00} ( total sale price : total cost of my purchase on credit plus my {$900.00} cash down payment ) for 72 months, per my original contract, in which I traded in a vehicle ( given {$5000.00} for it ) as well. I want to get straight to the point, I am furious because Ive paid this car off as of XX/XX/XXXX which was my loan maturity date after 76 months, due to 4 payments being deferred over the 6 year period ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, XX/XX/XXXX ). So now per multiple Santander representatives XXXX # XXXX, XXXX # XXXX, & XXXX # XXXX they are stating that I owe a total of {$10000.00} which is an accumulation of late fees, ( my XX/XX/XXXX credit report received from XXXX shows NO LATE PAYMENTS ) and interest fees of the late fees. Now this seemed ridiculous to me so I began to start doing some research on Santander and found immediately on the CFPB website that there were a tremendous amount of complaints of Santander violating consumer rights, providing erroneous car loans to consumers over the years and also even settling with the CFPB to pay in excess of $ XXXX dollars in penalties.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Company is Chrysler Capital LLC. Auto loan taken out for new XXXX XX/XX/XXXX, not being reported to any credit reports. Here we are XXXX yr later, still not on my reports. Have contacted Chrysler Capital executives and been lied to multiple times. The XXXX time being XX/XX/XXXX, it's currently the end of XX/XX/XXXX. They promise me each time I call, that the info is being reported but it's not. It never is. They give me audit numbers and everything but it NEVER appears on any of my credit reports and it's sad because my scores would be so much higher if this were accurate. I can not obtain a loan or mortgage with ethical rated because my credit score is too low, despite the fact that I've been keeping a mortgage worthy high interest payment under and in time for years without issue... so sad. Bankruptcy was filed and discharged ( NOT RELATED TO XXXX! ) XXXX or XXXX of XXXX. XXXX was purchased months AFTER discharge, so why is Chrysler suppressing my act info?
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Hello, Santander was named in a multi state lawsuit for providing higher interest rates knowing the person couldn't pay the loan back! I am a victim of this and sueing Santander in another lawsuit related to this! Santander is taking advantage of people ; my car was repossessed because of this! I'm struggling financially because of this and its holding my credit back. That's against the law and I'm demanding Santander to be removed from my XXXX, XXXX and XXXX credit reports asap!
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize theres hard inquiries
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i recently received my credit report and it indicated that my account with Chrysler was deliquent, i have never been deliquent and it stated the date of XXXX XXXX and the balance XXXX. I have a car i am financing with but that is the incorrect amount and i have never been late with the company. I contacted Chrysler and they do not show that amount or me ever being late.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: on XX/XX/16 I called Santander Consumer Regarding a written statement for my pay off amount. I spoke to customer service and the lady sent my letter off to my email address. When I got the letter the customer service agent advised me the overnight mailing address was wrong. I asked her why sent out an official letter with the wrong address on it. She advised me the correct address was on their website and that it was out of her hands. I advised her I was turning this letter over to another bank who would then send the overnight check to the address on this official statement coming from them. She advised me it was out of her control and I asked to speak to a supervisor by the name of XXXX. He advise me it was out of his control. He transferred me to their Executive Team. and I spoke to XXXX # XXXX. I asked her the same question, why isn't the address updated on an official document that you are sending out to consumers? She informed me she would have to reach out to their legal team to see if they can change it and she would get back to me in 24 to 48 hours. I think this is totally unacceptable to provide wrong information on a document like this and have payoff payments going to the wrong address. My bank asked for a written statement and this is the document I provide. Now they are going to be sending an overnight payment to an address that Santander is no longer at, according to the supervisor.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander has been in violation and its getting worse everyday. This business has some shady business practices. Ive been in default since XXXX and never even knew about the lawsuit and when I asked I was told that it didnt matter. But it does because I had to get my payment deferred a few times due to loss of job during pandemic. XXXX of XXXX I fell behind on my payment again due to being sick and out of work.. I made arrangements to pay my bill and was told I had time but a few days later I come outside to my car being gone. No notice no nothing even with my payment arrangements in place was then told I had to pay Over {$2000.00} plus repossession fees ( + {$400.00} ) all before my next due day was even due I paid get my car back then I check my credit and santander closed and charged of my account due too natural disaster. Then they changed it to closed and charged off as bad debt profit and loss write-off and its charged off every 3 weeks just about. Santander is in violation with FCRA with more than one error on my credit report. Ive had the loan for two years and santander doesnt update my balance in fact all of my payments only go to interest never to my balance also my actual online account doesnt show anything but they call me everyday asking for different payment amounts. My loan term was for 6 years 72 months but they report 6 years 82 months. They report my last payment was XX/XX/XXXX and XX/XX/XXXX I received a call back in XXXX saying I paying {$2000.00} more than needed and my balance went down.. then a week later I get a call at work demanding I owe {$700.00} from the repossession. I feel like Im being robbed and they still want me to give them money Im not even sure if they still have the debt or if they sold it. I dont trust giving them my money if they arent going to actually put it on my payments its like they are stealing it and as a consumer this is not the place to do real business. I have over a years worth of proof please help! I have way more documents if needed I can get the organized and have a folder sent by certified mail in the morning.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( SANTANDER CONSUMER USA ) is reporting on my personal credit file with XXXX, XXXX, and XXXX XXXX Credit Reporting Agencies ). This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( XXXX ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A