Date Received: 2021-07-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX I wrote a letter to CEO of Santander asking for late payments to be removed that occurred during the pandemic. I pleaded with Santander to remove late payments from XXXX and XXXX of XXXX. I would truly like all late payments to be removed from XX/XX/XXXX - XX/XX/XXXX ; however I know that, that's a stretch so I'm only requesting removal for XXXX, XX/XX/XXXX and XX/XX/XXXX. Santander has not mailed nor contacted me by phone to work with me and get these late payments removed. I have had this account for quite sometime now and you would think they would honor this request due to unforeseen circumstances that caused me to be in this situation in the first place. Santander sends me letters all the time asking how they can help me and now as they can see I am on track and this is their way of helping me move forward in my future endeavors to create stability for my family. Attached is the letter that was sent to the CEO pleading for those late payments to be removed. I really hope that Santander would honor this request of a faithful consumer of their company. This complaint is only being filed and desperate need for a response and to please work with me. Thank You
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I owned a XXXX XXXX and I voluntarily surrendered it due to transmission issue. The seller made false representation for the warranty. As a result, I return the car. The seller reporteda balance of {$18000.00} which I disputed. Now that company is reporting it illegally on my credit report.
Company Response:
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Submitted an investigation with credit bureau and Santander both came back XX/XX/XXXX saying that account was valid Its a joint listed account that I am not responsible for date opened XX/XX/XXXX automobile loan and is listed as a charge off which it isnt. I requested this removed or provide me proof and neither was done. It still shows as a charge off on my credit report. original amount XXXX and shows balance of XXXX please have them remove this.
Company Response:
State: TX
Zip: 78577
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I am with Santander. I have been trying to pay off the car. It's like my payments have not changed and I have had this car since 2014. I now need a truck. I can't do anything because of the pay off amount. This ridiculous.
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I wrote the company multiple times and the matter as not been resolved. They stated the information was verified but it couldnt have been because its not accurate and I have no knowledge of those accounts or inquiries.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Wrote company asking for VALIDATION not VERIFICATION no response over the 30 days required to respond under FTC LAWS
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: It has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ) and the Truth In Lending Act ( TILA ), I made payment towards this debt when in fact I did not owe. I am the original creditor. XXXX XXXX XXXX XXXX ( XXXX ) is not the original creditor. XXXX is a debt collector pursuant to 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). Nor is XXXX the creditor under the FDCPA pursuant to 15 U.S.C. 1692a ( 4 ), such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. XXXX received this debt as an assignment through Santander when I created the debt. See EXHBIT B p. 3. A credit sale occurred when XXXX purchased this debt from Santander. I am the creditor pursuant to 15 U.S.C. 1692a ( 4 ), any person who offers or extends credit creating a debt or to whom a debt is owed ( emphasis added ). XXXX furnished me with a deceptive form. XXXX misrepresented the character of the consumer credit transaction as a loan and they were providing me value when in fact I signed a credit application. I did not apply for a loan. I extended my credit and the finance charge funded the consumer credit transaction which comes from my open end credit plan. My name has since changed I will attach a copy of the court order for my legal name change,
Company Response:
State: TN
Zip: 37388
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I opened a complaint in regards to this before. Santander is already involved in a predatory lawsuit which all employees at Chrysler Capital just refer you to s website when you ask about it. I have been severely impacted by COVID-19 and even prior when I had XXXX and a rare XXXX XXXX. I am given absolutely no options here. I tried to get an extension and I was denied due to having 6 extensions when covid hit, no one knew it would last this long. They refused to assist in lowering my payments, rate or anything to help. They gave me a modification twice with an increased maturity date for 2 more years of interest at 17 % and no reduction in payment. I recently asked if we can lower the balance in order for me to get out of a loan that is putting me and my family in severe hardship and they said " we don't settle '' we will just take I to auction and you will have a deficiency balance and have to pay it. This is absolutely ridiculous that they are not helping anyone affected by a national emergency. Every other lender mortgage, credit cards, utility companies, landlords have something in place. This was predatory lending since the loan originated.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: CHRYSLER CAPITAL account, date of reporting XX/XX/2021 Chrysler credit ids reporting erroneous information on my Credit report. Disputed with CRA 's nothing happened. violations are 1 ) No date of closed or by whom 2 ) no credit limit reported 3 ) no date of last activity or payment 4 ) no answer to 623 request. These are FCRA violations and account must be deleted. This account was sold to XXXX XXXX XXXX XXXX.
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chrysler XXXX is reporting my Vehicle loan as charged off and closed on my credit report and late payments when my vehicle loan is still current and active. I pay monthly on this vehicle loan.
Company Response:
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A