Date Received: 2021-08-06
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: FL
Zip: 33558
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: vehicle loan charged off -car was totaled and placed with the city -had 4 payments left on it -was not told that my car had been totaled. Received a certified letter from city regarding having my car. Amount about XXXX at least with late fees included
Company Response:
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I was a part of a multi-state class action lawsuit against Santander who operates as Chrysler XXXX. I was paid out for their gross negligence and was told that the problem would be resolved on my credit report, as to date, if has not. They inaccurately reported my loan as late on XXXX when the loan was paid in full in XXXX. The law suit should have resolved this matter
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: CHRYSLER CAPITAL. XX/XX/2021 we paid our normal {$710.00} a month payment not knowing it was our final payoff amount. Then we were hit with a late payment when it wasnt late, may we pay {$1100.00} which is what it stated on the website to pay as a pay off when we didnt realize we were supposed to pay {$1400.00} ( short {$300.00} ) which we had no idea because we only paid what it said too. we immediately paid the remaining amount as soon as we got a letter in the mail stating we were short and late. Tried to fix it with Chrysler capital since we hadnt been late in over 2 years especially since it was our last payment. Why would we be late on our VERY last payment if we knew ... its just very upsetting since we were trying to buy a house and now our credit isnt where it should be by this accidental late payment. Ive already reached out to the company trying to get a goodwill deal with them since the loan is paid off already, and theyre refusing to remove the late payments even though its fully paid and closed.
Company Response:
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Santander consumer was pay off auto with santander consumer on my credit report still show and late never been payment account in full never been late can you correct this now
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Santander Consumer USA , Inc. violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a new vehicle on XX/XX/XXXX. It was financed through Chrysler Capital ( account # XXXX ) with a loan for {$57000.00} On XX/XX/XXXX I made a {$300.00} payment toward the loan ( check # XXXX ). On XX/XX/XXXX I made a second payment for {$300.00} ( check # XXXX ). On XX/XX/XXXX, I was informed that the dealership made a mistake reporting the VIN number and I had to sign additional paperwork. On XX/XX/XXXX there was a written conversation with XXXX, a customer representative with Chrysler Captial. I asked her about the status of the account change. XXXX informed me that " if the VIN is wrong, we will simply update the VIN when the document is received. '' I scheduled a third payment for XX/XX/XXXX for {$600.00}, this time through Chrysler Capital 's website ( confirmation # XXXX ). Chrysler Captial then created a new account ( # XXXX ), with the right VIN number, and reflecting an opening balance of the original loan XXXX {$57000.00} XXXX. They did not apply my earlier payments, nor informed me what had happened with them. On XX/XX/XXXX, I called Chrysler Capital with a customer service representative name XXXX ( ID # XXXX ) who state that the transactions had been " reversed '', and the payments were sent to the dealership. XXXX could not back up this statement with any confirmation numbers or check numbers. I called the dealership 's finance department and spoke with XXXX XXXX, who stated that the dealership had not received any funds from Chrysler Capital, but he would look into it. On XX/XX/XXXX I called Chrysler Capital and spoke with XXXX ( ID # XXXX ). This time I got a different story. XXXX stated that a check was sent to me on XX/XX/XXXX for {$600.00}, and another was cut on XX/XX/XXXX for {$600.00}. Both checks, he said, were addressed to me at my home address. He could not provide check numbers or confirmation numbers for either transaction. He did make a request to re-send the XX/XX/XXXX payment since I had not received it yet. He had no comment on why I was told that it was sent to the dealership by the last person I talked to. Nor why the last representative did not have the same information he was privy to. At this time I have yet to receive my fund back. And I keep getting conflicting or incorrect answers from their customer service department. I have no trust or confidence in anything they are telling me, which makes it extremely difficult to make decisions on when or if I should pay them.
Company Response:
State: CO
Zip: 80918
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: This is my second complaint against this company about a consumer credit transaction that I entered with them on XX/XX/2017. I informed them that they were in violation of the Truth in Lending Act which is in place to inform consumers the cost of credit. They violated law 15 USC 1605 any consumer credit transaction that includes a finance charge ( the sum of all charges ) must include insurance. They used my credit card ( 15 USC 1602 ) for my open end consumer credit plan which secured the {$32000.00} on my behalf I was responsible for the finance charge which was {$7700.00} for them extending my credit. The denied me of a right to rescission under the Truth in Lending act ( 16 USC 1635 ) which states ( in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day ). Unless this company doesn't have to abide by federal law I demand to be compensated for the illegal doings of this company. They even admitted to taking my property using a 3rd party to come to house which is infringement on my privacy. They are reporting this account to my consumer report and I am using ( 15 USC 1692c ) to cease communications directly and indirectly until I receive my specified remedy. This will be reported to the attorney general and I am seeking legal advice to take this matter to the next level if we can't come into an agreement.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chrysler keeps calling me harassing me for payments even after my loan has been paid in full and is failing to update the credit bureaus.
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Mr. XXXX, XXXX XXXX XXXX, Chrysler Capital XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, I hereby rescind any signatures obtained by XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' XXXX and Chrysler Capital XXXX to the vehicle known as VIN XXXX ( attached ) based on fraud, misrepresentation of facts, intentional deceit and consumers fraud. The Kansas Consumer Protection Act prohibits misleading, deceptive and unconscionable trade practices I was defrauded and Chrysler Capital created a fraudulent loan and I have been paying on this fraudulent loan for 2 years and 8 months. Chrysler Capital placed a loan in my name without me completely signing for a loan and without me purchasing a car. I never signed the purchaser agreement and never signed all pages of the loan contract. Chrysler Capital unlawfully paid off a car that I never purchased and placed a unlawful loan in my name with 24 % interest without me ever agreeing to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Chrysler Capital have defrauded me out of more then XXXX dollars and have misrepresented facts. below is a description of the unlawful acts. I now have a loan in my name for a car that I never signed fully signed a loan contract for and I am up to date on the fraudulent loan. I have been paying the highest interest on the car of 24 % and I do not own the car/ the car is defective and had more miles on the car then the loan paperwork stated. I hereby formally demand the XXXX refund me all monies collected from me for VIN XXXX immediately including all Service Department costs, Insurance, fees relating to payments for the vehicle to the lender to date. Starting with but not limited to {$16000.00} paid by cashier 's check dated XX/XX/2018, and {$25000.00} paid to date to Chrysler Capital. The fraud and deceit have been ongoing since XX/XX/2018 to date with no resolution. To name only a few which you are fully aware of include ; 1. A purchase agreement was never presented to me for my signature. I never signed a purchase agreement. 2. Title was never given at any time ( 2 years and 8 months XXXX including within the required 60 days after I have been paying a loan for Vin Number XXXX for two years and 8 months. 3. The retail installments contract, simple finance arbitration provision in its entirety was never delivered to me. Page 2 was unlawfully withheld from me for my signature therefore I was not free to take the agreement and review the full document nor given an opportunity to review said document with counsel. 4. After reviewing all the documents in which I just received from XXXX XXXX I understand that I do not own the vehicle that I have been making payments on for 2 years and 8 months. XXXX. I have also been unable to drive the vehicle for 2 years and 6 months because I had no title to register nor any ownership. ( KS Statute 8-127 ) The entire transaction was an incomplete process and remains incomplete to date. The only signatures of mine obtained by XXXX are ; The retail installment contract/arbitration provision page 1, 3, 4 and 5 therefore I am rescinding these signatures for fraud and deceit. I also rescind my signature that appears on the credit application dated on or around XX/XX/2018 ; The XXXX specific insurance policy document ; The agreement not to export ; Signatures of mine that were not obtained at any time required by law to complete any transaction, included but not limited to, are as follows ; 1. Vehicle Purchase Agreement. ( I never signed or initialed for arbitration ) 2. Vehicle ownership transfer agreement 3. Agreement to provide accidental physical damage insurance ( although my XXXX policy number is stated on the document ). 4. The odometer disclosure statement. 5. Registration and title paperwork. 6. Application for Missouri title and license. 7. Buyers Guide - for " As Is - No Warranty '' / Warranty 8. Commitments made. ( Not dated or approved by manager ) 9. Used vehicle damage disclosure. 10. Kansas Department of Revenue - Dealer/Purchaser Declaration of Exemption. 11. Privacy notice I am demanding all of my money back from this unlawful act.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A