Date Received: 2022-01-31
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I received an email from Chrysler Capital ( Tuesday, XX/XX/25 ) that my pre approval for a loan was approved. I was concerned because I didnt apply for a pre approval. I contacted Chrysler Capital by phone and was told a lot of those emails were sent out by mistake and not to worry about my credit report. It was just a mistake and there was nothing to worry about. I had a Chrysler loan years ago, but no current relationship. Very concerned about why they would do this - seems like fraud targeting former customers.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This SANTANDER CONSUMER USA XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. SANTANDER CONSUMER USA XXXX
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander USA was illegally given out loans to customers like myself without proof of income. I bought the car unfortunately it was involved in a accident total loss. Insurance company paid 100 % of balance. Santander accused me of owing then {$1500.00}. I was involved in a class action national lawsuit against Santander USA and received a settlement check. However I want Santander to remove the negative information they say I owed from all three major credit companies. XXXX, XXXX and XXXX. I have hired a law firm to help remove the Santander negative information.
Company Response:
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I am a victim of Santander Consumer USA XXXXhe Bureau of Consumer Financial Protection ( Bureau ) has reviewed the consumer credit furnishing practices of Santander Consumer USA Inc. ( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) Santander continued reporting inconsistent information for years after being alerted to its errors. 31. Therefore, Santander violated section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ).
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-29
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: Regarding buy out of a lease. I just received a charge of {$100.00} after a full pay out by XXXX XXXX XXXX XXXX XXXX was done back on XX/XX/2021. I talked to them too and they said they paid in full on XX/XX/2021. I was told by Chrysler Capital that it was a property tax bill from my state. Which state I don't know since the XXXX Account Number : XXXX was leased in Wisconsin but I moved to Texas and bought it out in Texas. I was told that Wisconsin and Texas do not have property tax on vehicles. If it was from the XXXX of Texas, Chrysler Capital should have known what the tax should have been at the pay out time. I also don't understand why I have such a bill so many months after my pay out back in XXXX. I did ask Chrysler Capital for the bill from the State but have not heard back from them. I don't understand why someone can bill you after a pay out has been made. Please check into this for me. Thank you, XXXX XXXX
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Santander Consumer USA XXXX XXXX XXXX is suing me for a car that the dealership, XXXX XXXX XXXX XXXX and XXXX, had me trade in for a XXXX XXXX XXXX, that is also financed by XXXX XXXX XXXX XXXX XXXX XXXX The Finance XXXX, XXXX XXXX was not honest about the sale and the return of the XXXX XXXX Charger and he was not honest about the Loan application for me to purchase the XXXX XXXX XXXX. XXXX XXXX did not confirm my job or my income and he switched the information on the paperwork and I did not know that the information was switched, until I call and spoke to Chrysler Capital directly. The sale was fraud, committed by the XXXX XXXX and the salesman. They told me that I was trading in my car for the XXXX XXXX XXXX. This was very deceptive and the dealership and Santander Consumer USA XXXX XXXX XXXX should stop allowing the Dealership 's Finance XXXX 's to be able to falsify information on Loan Applications. All sales that were set up by XXXX XXXX needs to be investigated. No telling how many more people were deceived into trading in a vehicle for a new vehicle to be sued in the future. Please help.They took advantage of me and my mother.
Company Response:
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have a lease for a XXXX XXXX XXXX executed XX/XX/XXXX. Upon receiving the XX/XX/XXXX notification of the finalization/fulfillment of my OLD XXXX XXXX reorganization ( from XXXX filing ) Chrysler capital unilaterally canceled my agreement with them, which I don't agree to and didn't authorize! Please don't be confused... For the record I DID NOT INITIATE ANY CANCELLATION. RATHER THIS IS A MISTAKE BY CHRYSLER CAPITAL in response to a normal common and routine communication notifying parties from the XXXX filing that the court reopened my XXXX XXXX case to enter the DISCHARGE now that the terms of my plan were fulfilled. I have money in my account to make the payment and have NEVER MISSED ANY PAYMENT WITH CHRYSLER CAPITAL ON ANY LEASE. XXXX is the XX/XX/XXXX email from Chrysler Capital which is also attached as a PDF********* Chrysler Capital XXXX XXXX XXXX XXXX XXXX TX XXXX This confirms that on XX/XX/XXXX you XXXX this Autopay electronic bill payment pertaining to the plan described below to Chrysler Capital XXXX Autopay Plan ID : XXXX Account Number with Chrysler Capital : XXXX Bank Account or Card # : XXXX Plan Information : Frequency : Monthly Amount Method : Amount Due Payment Amount : Amount Due Convenience Fee : {$0.00} Total : Amount Due Start Date : XX/XX/XXXX Payment Day : Monthly starting on XX/XX/XXXX End Method : Until further notice To add an Autopay plan in the future, please revisit the Chrysler Capital site and select Autopay on the main menu. You may also contact XXXX. Retain this information for your records. . ************** THIS SITUATION HAS TAKEN ME TIME AWAY FROM WORK TO PLACE MULTIPLE PHONE CALLS AND COMMUNICATIONS AND I WANT COMPENSATED AT MY NORMAL HOURLY RATE OF {$250.00} PER HOUR FOR THEIR MISTAKE. TO DATE I HAVE SPOKEN WITH : XXXX employee # XXXX on XX/XX/XXXX XXXX in the executive offices employee # XXXX XXXX employee # XXXX who dropped the call XXXX employee # XXXX who dropped the call and on XX/XX/XXXX XXXX employee # XXXX who dumped me in voicemail. I have also left multiple voicemails asking my payment plan be put back in place so I don't get behind. I want the monthly payment put back in place IMMEDIATELY and I want compensated at a rate of {$250.00} per hour for 2.5 hours ( to date ) and any out-of-pocket costs in attempting to resolve their mistake. I don't want to have to jump through any hoops to re-establish this since this action is clearly their mistake and this was so much as confirmed by XXXX in the executive offices employee # XXXX that they cancel all payments *upon bankruptcy*, which again this is NOT a new case. Finally to make things worse for me, Chrysler Capital has apparently closed my account so I can not even make any manual payments! When I attempt to sign in I receive the following message, which is also attached as a PDF Your account has been XXXX I have screenshotted AND time and date-stamped this message. Other than following the terms of my restructuring I have perfect XXXX credit and have NEVER missed a payment with anyone, not the least of which would be Chrysler Capital XXXX What am I to do? I am very worried and just don't know what to do. I want my PERFECT personal credit record kept clean and harmless from their mistake and their inability to correct the problem. I am and always have been ready to make the payment and the money is and has been in my account. Due to ineptitude and apparently poor educated workers Chrysler Capital has defaulted on our agreement.
Company Response:
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Last lease payment was due XX/XX/XXXX. Payment was made XX/XX/XXXX. Chrysler Capital website later noted new payment due XX/XX/XXXX. Payment was made. Confirmed with Chrysler Capital that this was now the last payment due. Chrysler Capital website now notes payment due XX/XX/XXXX and account is past due. Chrysler Capital continues to note that payments are due despite lease ending XX/XX/XXXX. Chrysler Capital has not processed a refund for {$410.00} payment made XX/XX/XXXX. I called XX/XX/XXXX to clarify what was going on. Chrysler Capital agent confirmed that last payment was due XX/XX/XXXX and that is just the way the website works that it defaults to payment requests every month even if nothing is due. I noted that the fact that it shows as past due with a new payment due when actually paid in full is predatory. In addition, Chrysler Capital has held onto the XX/XX/XXXX overpayment after telling me it was due over the phone and noted by the website and seems to have no checks/reviews in place to refund overpayments until a customer calls to complain. On XX/XX/XXXX call, Chrysler Capital agent noted that now that I had complained, a refund would be processed and it would take 60 days subsequent to review of the account. So 90 days they will have held onto a payment they noted was due that actually wasn't before refunding the money. This is a predatory practice.
Company Response:
State: CT
Zip: 069XX
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted. The FCRA ( federal law ) says that as a consumer, I am legally allowed to challenge the validity and accuracy of these hard inquiries. And when I challenge these inquiries, it's called opening a dispute. The company pulling the consumer credit must provide documented proof, for example a document with my signature on it, that I authorized and provided consent for the hard inquiry. If your company fail to provide this documentation, then XXXX, XXXX, and XXXX must remove these inquiries from my credit report.
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 1. XXXX XXXX XXXXXXXX. {$6800.00} Acct # XXXX
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A