Date Received: 2022-01-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been disputing the late payments showing on my account for Santander Consumer USA which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2021 I sent a certified letter ( XXXX ) to Santander Consumer for them to remove this inaccurate account on my credit report. They never responded which is a violation. Furthermore, the continue to report inaccurately on my report. I am part of a class action lawsuit with Santander where the practiced predatory loan practices in the State of PA. Santander agreed to remove all loans from consumer credit reports.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I received a marketing email from Chrysler Capital at XXXX on XX/XX/2022. The preview of the email in my inbox on my phone read " XXXX, your preapproval is here! Please log in to view the status of your recent online financing application ''. I was immediately worried that my identity had been compromised and that someone had wrongfully submitted an application for credit with Chrysler. I immediately called the number of Chrysler Capital 's website to inquire if an application had been submitted. After spending approximately 20 minutes on hold I spoke with a representative that told me there was not an application of had been received in my name and that the email was simply marketing that in the event that I was looking for financing, I had been preapproved. My understanding of XXXX as I am a consumer lender for a financial institution is that deceptive marketing is determined if the following criteria are met : The statement is prominent- I have included a screenshot of the preview of the email in my inbox. It very prominently encourages me to log in to check on the status of my online application. The information presented is easy to understand- I believe based on the statement above, a reasonable thinking person would be lead to believe that an application had been submitted in the name of the email recipient. I believe this statement was very easy to understand. Is the placement of the information in a place where a consumer would be expected to look?- Yes!!!! Absolutely. Its the first thing I saw when I saw the email preview. Is the information in close proximity to the claim it qualifies? - My understanding of this point is rather vague, but if I understand correctly it is a material difference on if an application had been submitted, or not. My strong belief is that a reasonable thinking consumer would infer that an application had been submitted by their statement and this directly contradicts the admission by the representative via the phone call that it was a marketing effort if I needed future financing. In conclusion, I believe this has met the criteria of a deceptive marketing practice by Chrysler Capital. There are also aspects of the act that in my opinion also meet criteria of an abusive practice as well.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Today, XX/XX/2022, I received an email from Chrysler Capital. In the subject line, it states " You're pre-approved on your recent online application ''. Except I never applied for a auto loan through this company, or have I submitted any applications for an auto loan. When I contacted them at XXXX, they won't allow me to speak with a customer service rep. Seems they sort of force you to 'login to your account '. I never created an account. I think it feels awfully scammy. I checked my credit reports and there is no info about a loan request or any recent inquiries. I can send CFPB the email I received. At the bottom of the email it states - " This message was sent to you as a customer of Chrysler Capital ''. Again, nobody answers the phone line they give. Here 's a copy and past at the bottom of the email- This message was sent to you as a Chrysler Capital customer at XXXX for transactional purposes. If you are not the intended recipient, please notify us immediately. " 2022 XXXX XXXX XXXX XXXX XXXX rights reserved. Chrysler Capital is a registered trademark of XXXX XXXX XXXX and licensed to XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX and XXXX are registered trademarks of XXXX XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX XXXX, used with permission. All other trademarks are the property of their respective owners. XXXX '' I don't know what can be done. Unless someone is using my email, I don't show any inquiries on my credit report. Just sending this to CFPB as it appears to be a scam. Thank you, XXXX XXXX and my email is " XXXX '. I attached a copy of the email. Thank you.
Company Response:
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account
Company Response:
State: TX
Zip: 76108
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2021 I contacted Chrysler Capital who was my lender for an auto lease. The contact was to initiate a request for payoff of my lease+purchase the vehicle ( residual plus fees ). I was told to call the customer service number and discuss the options, which i did. They told me there would be an early lease end fee if i purchased the vehicle then, suggested i wait until the end of the lease to avoid early termination fees. I waited until the 38th month of my 39 month lease ( which was on auto pay the entire length of the lease ), so XX/XX/2021 i speak with Chrysler Capital and get my payoff total and payoff date, they stated I needed to have the payment to them by XX/XX/XXXX or I would be subject to more interest. I spoke to them XXXX more times to obtain proper addresses and account number to have XXXX send final payment. XXXX sent payment and they received it on XX/XX/XXXX, Chrysler Capital sent me my lien release and bill of sale dated the XXXX of XXXX. A month later i get a notification my credit had significantly dropped due to a late payment being listed on an account. I investigated this issue and found Chrysler Capital had entered a late payment into my now closed account at the end of XXXX. I began calls with Chrysler Capital and XXXX disputes over the next 2 months and although many at Chrysler Capital have agreed it was incorrect and improper, they all continue to state its very hard to reverse with their collections dept. The executive Issue team at Chrysler Capital have now stated they can not correct it, so therefore XXXX continues to state the lender has confirmed the entry. Today i spoke with XXXX agent XXXX # XXXX, who also agreed its not accurate nor proper but can not have it corrected. I spoke with them multiple times in the month they stated my payment was late, never did they communicate i needed to make a manual payment, not did they sent any communication to my address ( which remained the same the entire autopayment lease period )... I verified with my bank and Chrysler Capital agreed that the auto payment was terminated by them at month 38 ( the month they state was late ), we had no end date for that month and therefore at a minimum they should have contacted me to inform me of this change. I would have just wrote a check then ( month 38 ) vs the 39th and final payment which I did. Now they have a late payment on the closed account, added after I had already paid the final 39th payment in full to purchase the vehicle. All my intent from XXXX to XXXX was around purchasing my vehicle at the lease end due to them stating I would have additional fees for early purchase ... a simple phone call or letter from them stating they were terminating the auto pay we had used for every previous months payment would have triggered me to send a check or whatever it was they wanted... the agreement was 39 month lease with last payment being made by check for the month or residual and fees... crazy that this is the only negative blemish on my credit report and it comes from them changing the payment method and not following up/communicating that change to me. Help me correct this on my credit report and get back to a true and honest representation of my lending and payment relationship with them.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: i have a XXXX XXXX XXXX. The navigation/radio ( XXXX ) does not work. I took it to XXXX XXXX in XXXX az and they said that the part no longer works due to a short circuit. The part costs over XXXX dollars. On year 1 the battery went dead. Now this expensive issue. I should not have to pay for this expensive part. XXXX needs to pay for this. This is a very defective vehicle.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Chrysler Capital gave me a payoff quote I paid the asking amount they cashed the check from XXXX XXXX and will not release my title now
Company Response:
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Santander has been involved in a class action lawsuit based on consumer records from XXXX loan was started in XXXX and I show no accurate reports of my Loan being reported on my report from the time it was started. Loans that were open between this time should have qualified for a class action lawsuit on predatory lending. I have been hit with a large amount in interest on a loan that should have been paid off this year but instead I have been a victim of predatory lending making it impossible to pay off my car loan. Georgia Attorney General XXXX XXXX stated Santander " violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. ''
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello I purchase a vehicle from Santander USA back in 2015 for XXXX which total to around XXXX I still owe almost XXXX seven years later my payments are XXXX a month my credit score was XXXX when I got the loan I needed this vehicle for work even tho I knew the payments were high I still needed transportation over the years i made a total of 11 late payments which over the 6 or 7 years Im aware of the class action lawsuit with Santander I wrote to this company trying to get the late payments removed and they keep saying verified I feeling need to have some if not all removed Santander is destroying my credit with the late ayments that they are currently reporting I need help in this matter my payments have been current and on time please help thanks.
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A