Date Received: 2022-08-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In Accordance with the fair credit reporting act XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: On XX/XX/XXXX, I went XXXX XXXX XXXX looking to finance a new car because I receive a call from the main office about an Independence Day sale going on. I went for a XXXX XXXX XXXX, which was around the price off XXXX and signed a paper saying I wanted to put XXXX down on the car and also that they can run my credit. A few minutes later the employee helping me came and said I got approved but because it too busy, the system is moving slow so just leave them with 10 % of the XXXX with him and just come back later on that week with the rest of the money and finalize everything ; I said okay cool no problem. I got a call later on that week saying that I can come in Friday. I when there on Friday and he told me that I didn't get approve after telling me days before that I got approve. But I did'nt make it a big deal or nothing I just went for a cheaper car around the price he told me XXXX. I choose the XXXX XXXX XXXX and we did the paper work and everything for the same downpayment but told them that I wasn't taking the car today because i have to go get the money from a different dealership. They told me they would give me the car and a deadline to bring the rest of the money so that the car can be officially mines, if not they will just repo the car. So on XX/XX/XXXX I drove down to the deanship to make the payment of XXXX and they told me they will notify me when to come and get my documents, but they never contacted me so I decided to drive down there XX/XX/XXXX and get the paper work. when I received it I told him that there was a error and that he should fix it. He told me that he used it for my taxes but that not what I I gave him the money for so I try explaining to him what he did was wrong and he did it without my permission because that money was for my downpayment ; he told. me it too late now its nothing he can do bout it. I decided to call my finance company and they told me to let the car dealership refinance the car or just cancel the contract but the salesman refuse to help me. So my finance told me to take legal action against them.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I purchased a vehicle in XX/XX/2022 through XXXX XXXX of XXXX. The bank to finance the loan was Santander USA. In XXXX, my personal bank account was hacked multiple times and I had to adjust accounts and along the way, missed setting up the auto pay for the car payment. I had made a total of 1 full payment at that point. On XX/XX/2022, my car was repossessed due to failure to pay. I called immediately, and offered to pay the past due balance. They refused to accept it, and stated I had to pay the loan off in full ( XXXX ) in order to redeem my car. I attempted to work with a couple of other banks and a co-signer to refinance the loan elsewhere, but because the payments are not current, other lenders won't take it. Santander refused to accept payment to make the account current, stating I could only do so by paying the full loan amount. I am a single mother after a messy divorce trying to get her life back on track. The bank refusing to work with me to assist the situation, despite my having the funds on hand to rectify it, is abuse.
Company Response:
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I had a lease car with Chrysler Capital. The car was stolen. I called to Chrysler to let them know. They said will send me payoff amount. I have received it. After this, once insurance claim was entered, Chrysler sent complete different payoff to MY insurance, which is higher even then the Cash Value of the vehicle. I do not mind my insurance pay them, as long they do not try to raise their payoff and get more money then it is actually worth it. Cash Value and Residual Value are much less then payoff amount company sent.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: As part of the negotiation for my new lease, XXXX XXXX XXXX of XXXX sent me a check for the final payment on my old lease that I was to forward to Chrysler Capital. I diligently did this in XXXX however shortly after I started being hounded daily that there was a deficit on my account in that amount, which then began accruing late fees. At first everyone I spoke with at Chrysler Capital " saw the issue '' and was going to note to their manager and make a record in the system, but nothing was ever resolved. Eventually I escalated to " the executive office '' who after researching informed me that they did indeed have record of the check, but that they issued a refund to XXXX XXXX XXXX of XXXX without my knowing. However XXXX XXXX XXXX XXXX XXXX claims that they do not have record of this refund, only proof that Chrysler Capital did indeed deposit their check ( which they've shared with me ). They requested that Chrysler Capital share similar proof and/or a reference number to track the refund but Chrysler Capital claims they " don't share that information '' which is a red flag for me- how then is anyone to believe that they issued the refund? I've written letters disputing the amount and they just continue to have random representatives call me for payment. This has gone on for 3 years and I am now at the end of my lease. Needless to say I'm exhausted from arguing with them. As I've refused to pay anything over my usual lease amount each month, I've now accrued a total amount due of over $ XXXX ( My old lease payment of {$280.00}, so everything above that is " late fees '' ) which will need to be paid by XX/XX/XXXX to prevent it from affecting my credit. My choices now are to pay that amount or go through the trouble of hiring a lawyer. This feels like a classic scam as Chrysler Capital refuses to produce proof of the refund issued to the dealer, the dealer won't help without the check reference, and there seems to be nothing I can do to end this but pay.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Items like a new employer added to my credit report, many auto inquiry were also done that I never placed or applied for. These were all mostly done XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not consent to e-Oscar or any means of automated verification!. Numerous federal laws are being violated which in turn is causing me to not be able to seek new lines of credit. According 15 U.S. Code 1605- Finance Charge Finance charge defined Pursuant to subsection ( A ) Finance Charge Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. The finance charge is the sum of all charges which is equal to ANY and ALL payments. So when I, XXXX XXXX XXXX, entered into a consumer credit transaction for Chrysler Capital, it was paid off at that moment. Additionally, Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I do not consent to e-Oscar or any means of automated verification! I demand ANY AND ALL late payment ( s ) be removed from the following account immediately. - XXXX XXXX
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge SANTANDER CONSUMER USA XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XXXX XXXX they repossessed it on XX/XX/XXXX I explained to the lady that I just started a job and I'll pay them {$500.00} on the XXXX of XXXX a week prior already gave them {$200.00} but my money had to go down on a new place because I was an eviction so I told them on the XXXX I'll pay you {$500.00} and like I said 2 weeks before that I gave him XXXX they came and repo the car I lost my job cuz I have no transportation and my job was an hour away and now I'm almost Court as well again because I have no vehicle to get to work to jobs I am a natural person a living being and I have rights under 15 USC 1681 in on my credit report they said they repossessed the car yesterday XX/XX/XXXX is not possible because I don't even live at that apartment and they came the same day I was moving out they came and got the vehicle and I had to find a way to move out of that place without a car with no family no anything out here.
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A