Date Received: 2021-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021 I entered a consumer credit transaction with CHRYSLER CAPITAL and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. They are now claiming that they originated the credit I extended to them, in which I submitted a {$3000.00} down payment, my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that CHRYSLER CAPITAL claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. CHRYSLER CAPITAL has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I took car loan from Santander bank Account number is ( XXXX ) car was XXXX XXXX, XXXX And total loan was almost XXXX and I was paying monthly payment correctly each month XXXX $ until pandemic for Covid, I contacted the bank to make delay payment for 2 months and they accepted and they send me letter including approval for making payment delay for XXXX or XXXX months, so in XX/XX/2021 I did accidents with my car and insurance company XXXX Consider my car damage and I did claim number ( XXXX ) they considered the car total loss so they paid to Santander XXXX $ so after that I did claim by gap insurance for the remaining amount which not covered from XXXX, I did claim ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and they paid for Santander Bank almost XXXX, when Santander bank received money from XXXX and gap insurance too, not decreased interest and he still sending me bill and my credit score impacted although, the car already was taken by the company insurance XXXX, I need investigation about this and I send them letter to make payment plan but still not respond and they send me monthly payment
Company Response:
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The company came to my house and repossessed my car. Then they sent me a letter stating in order for me to get my car back that i had to pay the remaining balance or they were selling my car. In the letter it also states that if in fact they sell my car that they will send the remaining balance.Telling me that you will sell my car if I do not pay is extortion.If they owned the property they wouldn't have to pay me anything. On the back of the contract it states security interest. Security interest means what I gave them secured all my obligations to the debt meaning I own the vehicle. If my social security secured all of my obligations then the debt was an allegation and when you went and repossessed my car you committed theft. They advertised the sale of my car to pay off the alleged debt which is a violation pursuant to 15 usc 1692d ( 4 ). My neighbors were outside and seen the people you contract take my car and that affected my reputation which is a violation to 15 usc 1692d ( 1 ). Then furnished this to my report without my permission, which is a violation to 15 usc 1681b ( 2 ). Additionally, they marked my payments as late which is a violation pursuant to 15 usc 1666b.
Company Response:
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted the creditor in XX/XX/2021. After communicating with a manager in the collection 's department, I negotiated with the creditor regarding a payoff amount to settle the account and remove the derogatory information related to the account. The creditor agreed to the payoff amount, but did not remove the derogatory information.
Company Response:
State: CA
Zip: 92806
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I took out a loan for around {$14000.00} through Santander. I paid on the loan for about 3 years. I did miss some payments but always paid them plus extra late payment fees. The motor blew in the vehicle. I asked for help with getting a rebuilt motor which would cost {$6000.00}. They refused to help me. I needed a car to get to work so I could pay my bills so I had no choice but to let them take it back. They sold the vehicle at auction. They put on my credit report that the original amount of the loan was over {$16000.00} and they wrote off {$15000.00}. I have tried to work with them to charge me the true amount owed and pay them in payments but they wanted me to pay {$400.00} a month of which I could not afford. The lady admitted that all I was paying for those 3 years was interest and the {$16000.00} was principal, additional interest and other undisclosed fees.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander stated to me they were going to remove item from my report as a result of a Class Action Settlement ruled in my favor that the loan was fraudulently given to me. This was submitted to all 3 bureaus and still remain on my Credit Report. I have disputed several times and it still remains. Their submission was completed on XXXX XXXX. I would like to have it removed immediately.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
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 received my credit report and noticed a number of Violations involving Santander reporting and need account removed from all three data furnishers immediately. Santander is reporting incomplete informatiion across the board to credit bureaus They were involved in class action lawsuit for predatory lending practices in which I was affected. As well as CFPB ordered the Financial instituion to report accurately therefore need to cease and desist collection efforts as each violation as a consumer im entitled to up to {$1000.00} per violation per FCRA and FDCPA below i attached the class action lawsuit. article published by CFPB that implies santander knowily reported incomplete info to CRA 's as well how it is being reported to XXXX and XXXX on my report. I am a victim of preadatory lending practices I find this account Violates, TILA, FCRA and FDCPA. Under Law any form of fraud voids contracts
Company Response:
State: NH
Zip: 03104
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these accounts that does not belong to me and i want them to be remove from my credit report. XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft SANTANDER Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine. XXXX 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got these accounts that does not belong to me and i want it to be remove from my credit report. 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft SANTANDER Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SANTANDER IS GOING THROUGH A LAWSUIT IN WHICH I WAS ONE OF MANY VICTIMS THAT INTIATED THIS LAWSUIT. PLEASE SEE THE ATTACHED DOCUMENT. I NO LONGER HAVE THE VEHICLE AND SANTANDER HAS SOLD THE ASSET. THE BALANCE AND/OR ACCOUNT NEEDS TO BE DELETED FROM MY CREDIT REPORTING ASAP!
Company Response:
State: CA
Zip: 95391
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A