Date Received: 2022-02-14
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: Chrysler Capital financed my auto Loan in XX/XX/2021 for approximately {$32000.00} and for 7 months has failed to secure the title for my vehicle. The car dealership has also failed for 7 months to secure the title or the tags. The XXXX dealer of XXXX nor Chrysler Capital has supplied the Delaware DMV with financial proof that the title was paid for and received within the 60-day legal guidelines nor was the DMV supplied with proof of payment for the registration fees and as a result will not issue me any more temporary tags. This has been being requested for 7 months and Chrysler capital is forcing me to pay my car payment of approximately {$780.00} per month for a vehicle they have no title to and one that I can not drive as a result of being unable to obtain my tags and registration. Each month I have had to pay for temporary tags and at times I have had to struggle to get the Delaware DMV to issue me more temporary tags. Multiple times I have being unable to drive my vehicle as a result of this. I have requested for several months that XXXX have their Dealer Relationship Manager, or the Dealer Control Team assist in this manner, with no results. Chrysler Capital has failed to utilize their resources to assist consumers with problems with dealers in which they finance with. To assist me in this manner, I have also requested that Chrysler Capital put one or two payments on the back end so that I am not paying for a vehicle that to date, I can not legally register or drive through no fault of my own, but my request was denied. I have also requested that the XXXX dealer supply me with a loaner car while this is being resolved and that request was denied as well. Chrysler Capital is not holding their partnerships accountable and not being accountable for the things that they are legally required to do when financing a vehicle for customers. I have paid my car payment on time as agreed upon and am disappointed in how Chrysler Capital has handled and has continued to handle this matter. I have filed a complaint of Vehicle Fraud with The Pennsylvania Vehicle Fraud Department
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My account with CHRYSLERCAP, account number is XXXX, should have no 30 days late on the month of XX/XX/2019 because I have not received any forms of billing information or any notification that this account is due or something. This is not an error on my end. With that being said, sending written letters and a lot of attempts on reaching out to XXXX and XXXX Credit Bureau and Creditor were neglected. This should be corrected immediately.
Company Response:
State: MI
Zip: 48310
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Got a call from Santander consumer us my truck loan holder. The informed me my loan was in default and a nation wide search was place on my vehicle for repossession. Told me I missed 6 payments and bounce one of the checks. Told me if I payed XXXX in ten days it they might be able to resolve it but the loan was charged off XX/XX/2021. I never got any notifications from them. No email or calls not even a letter. I went straight to bank and got all my bank records. I have all bank statements. I have never mist a payment on this loan In the XXXX XXXX yrs Ive had it. They said I bounce a check in XX/XX/2021 my statement not only shows it was paid but also had over XXXX in the account that month. Im in fear they will reposses my truck for a big mistake that they have made and I need help. Also my credit report reflex this mishap.
Company Response:
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Recently received a credit report from XXXX which reflected a Santander XXXX account opened in XX/XX/2013. I have disputed this account in the past to no avail. It is my belief that the creditor is now taking steps further to intentionally report false information about me in order to keep this zombie debt on my credit file. The delinquency dates and repossession dates are being fraudulently changed by the creditor!
Company Response:
State: WA
Zip: 98107
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have contacted Santander Consumer USA of my payments being applied to late fees, miscellaneous charges and specifically interest charges on my account. I started my car loan with them on XXXX of XXXX and my account defaulted because of missed payments and was charged off by Santander XXXX on XXXX of XXXX. Since the beginning of XXXX I have made my payments more than the monthly payment and {$1900.00} of my payments have been applied to interest charges alone. I contacted Santander in regards to my payments and I was told that all my payments should only be applied to the principal since my account was in collections and it was charged off. Also that the payments are not being applied to interest but to late fees, this is not accurate at all compared to the information on my account. I am assuming Santander Consumer made a mistake and incorrectly applied my payments to interest charges and late fees since they assured me that all payments from XX/XX/XXXX forward are being applied to my principal balance on this account that is in debt collection. I ask that Santander Consumer USA redirect any payments applied to interest, late fees and miscellaneous charges be applied to the principal balance.
Company Response:
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the credit and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have attached proof that I have filed XXXX disputes by mail and one by phone. XXXX XXXX XXXX and XXXX which I attached proof Of the disputes that I mailed through certified mail below I still to this day never got a response at all on my first dispute that I sent in 2020 I have now mailed three disputes since then by mail and also another dispute over the phone no progress is being made I even reached out to all three credit bureaus and they claim there is nothing that they can do I feel like its the companies word against mine The company that I am referring to is Santander consumer USA They have been reporting inaccurate information on my credit report every time a dispute is over its always different information one moment they stat its a balance on account another moment the Account says zero. The balance on my Credit report is inaccurate. This account has been updated multiple times with inaccurate information not to mention the information that is being reported is not the same across all three credit bureaus. Also, this account is in Litigation due to deception of predatory lending Practices account falls in the time frame of the lawsuit against Santander consumer for predatory lending practices I discussed my problems with the dealership and what they stated to me is that the guy who sold me the car no longer works at the dealership anymore and I would have to contact Santander consumer USA. I was able to get in contact with Santander consumer when I had the Vehicle in my possession, I even talk to them about the bad contract they always told me that they were going to investigate it but after the car was picked up, they magically didnt know me anymore or have my file. The representative stated I had no account with them which didnt sound right I kept calling them about the car to see what was going on and every time I called, they told me the same thing but when I contacted all three credit bureaus, theyre able to talk to Santander or at least send them disputes and thats when Santander responds with Inaccurate updates. on my second dispute they dropped my XXXXredit score XXXX points by lying and Saying That I have an active open car loan with a balance with them this has been a few years now its no way I have an open car loan with them Then on the other disputes they update that the account is closed with a balance it shouldnt be a balance at all If someones information keeps changing its no way that theyre telling the truth they update what they want to your credit everything about this account is inaccurate it started at the dealership an the faulty contract. Its inaccurate from the amount which should be zero the pay history is wrong I never missed a payment when I had the car, The time frame I had the car is also wrong the term is wrong an not the same the information that they updated to my credit report is not the same across all three credit Bureaus which Violated my section 609 FCRA rights as this loan is reported incorrectly to all three credit bureaus. XXXX told me there is nothing that they can do but at this point it doesnt even seem like they are investigating at all theyre just updating my credit with the same inaccurate information that keeps changing back-and-forth from open to close with a balance dropping my score every time as if this is being done on purpose XXXX and XXXX only responded one time out of the four disputes Which is unacceptable I really feel like Im getting taken advantage of And walked over I also did receive a payment from the lawsuit with Santander an they continue to report false information and I see its not just me its multiple people that this has happened to please look into this for me thank you.
Company Response:
State: MI
Zip: 48317
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to dispute the following credit inquiries on my credit report. These inquiries were not made nor authorized by me. The following inquiries/dates listed are fraudulent, unauthorized, and not made by me. I am requesting that each business that retrieved my information to remove this inquiry off my credit report. 1 ) Santander Consumer USA XX/XX/XXXX 2 ) Santander Consumer USA XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXXXXXX XX/XX/XXXX 8 ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 9 ) XXXX / XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XXXX XX/XX/XXXX 11 ) XXXX XXXX XX/XX/XXXX 12 ) XXXX XXXX XXXX XX/XX/XXXX 13 ) XXXX XXXXXX/XX/XXXX 14 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 15 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 16 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 17 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 18 ) XXXX XX/XX/XXXX 19 ) XXXX XX/XX/XXXX 20 ) XXXX XXXX XXXX XX/XX/XXXX 21 ) XXXX XXXX XXXXXXXX XX/XX/XXXX 22 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 23 ) XXXX XXXX XXXX XX/XX/XXXX 24 ) XXXX XXXX XXXX XXXXXX/XX/XXXX 25 ) XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 26 ) XXXX XXXX XX/XX/XXXX 27 ) XXXX XXXX XXXX XX/XX/XXXX 28 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 29 ) XXXX XXXX XXXXXX/XX/XXXX 30 ) XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 31 XXXX XXXX XXXX XX/XX/XXXX 32 ) XXXX XXXX XXXX XXXX XX/XX/XXXX 33 XXXX XXXX XXXX XXXXXX/XX/XXXX 34 ) XXXX XXXX XXXXXX/XX/XXXX 35 ) XXXX XXXX XXXX 36 ) XXXX XXXX XXXX XX/XX/XXXX 37 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have received multiple conflicting information and threats of repossession after being told that making certain payments would protect me from repossession by the company. I received a letter saying I would have to pay {$1100.00} to bring the account current, other information telling me i would owe approximately {$1700.00} to bring the account current and then further told by an employee with ID number XXXX that i would need {$640.00} to bring the account current.
Company Response:
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A