Date Received: 2021-05-06
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid my car off on XX/XX/2021 which was financed by Santander. I have made repeated requests for the title for the last 5 months and they simply refuse to release the title to me. This has caused me extreme financial distress as I have been needing to sell the car.
Company Response:
State: CO
Zip: 80014
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an auto loan with CHRYSLERCAP, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CHRYSLERCAP and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CHRYSLERCAP with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2019. There was an error on their part. I was never late.
Company Response:
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I entered a lease on XX/XX/XXXX with XXXX XXXX for a new XXXX XXXX XXXX XXXX. After the initial few months of the lease, I set up an autopayment and had an issue on my end. In XXXX, I cancelled the autopay to attempt to fix the issue. Around that time in XXXX, I was charged a {$35.00} late fee for not paying on time. I don't dispute that. I'm not sure of correct date as XXXX XXXX has never sent me a statement or emailed me a statement since XX/XX/XXXX. I contacted them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with my correct address and email and still have received no statements from Chrysler Capital. I again confirmed an address, and changed one, in XX/XX/XXXX again, to receive a statement and end of vehicle turn in instructions. I still have not received anything from them. I was continually charged a late fee monthly for {$35.00} for 9 more months post XX/XX/XXXX. I was never made aware of the first late fee because I received zero correspondence from Chrysler notifying me. I was charged late fees in the amount of $ XXXX ( XXXX x {$35.00} XXXX. They refunded half. I requested they refund four more ( {$140.00} ) as I don't believe they are valid since they didn't follow consumer law and their obligations in notifying me of the original late fee to rectify. While Chrysler says they are following the terms of contract in charging late fees, that maybe correct, however they are choosing to neglect their own contract and consumer law by not notifying me of any late fees and not sending me any statement whatsoever in almost 3 years. In fact, I learned of the late fees when I had to contact them in XX/XX/XXXX to ask why I have not received any correspondence on vehicle turn in and statements.They had my email address form vehicle signing and my wife 's, as well as my phone number and my wife 's and as well as 2 valid home addresses. They chose not to contact me at all through required communication and no statements! This would have been cleared up after the first instance if they had followed the law. I ask that you require them to remove {$140.00} from my account statement and any related reports to the credit bureaus. I would attach records or files, however per the above, I still have not received any statements showing the late fees.
Company Response:
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I bought a car from Santander consumer on XX/XX/XXXX. I had the car all the way till XX/XX/XXXX when the loan went into default which resulted resulted In a repossession. My loan was at risk for default from the beginning because I was a first time car buyer with a APR of 26 %. After the car was taken I then saw the multistate settlement that was filed against Santander consumer which included my state ( Georgia ). It said to be included in the settlement you would have had to have a loan with Santander consumer between XX/XX/XXXX to XX/XX/XXXX. Also your car had to be repossessed within 12 months of getting the loan. I qualified under both requirements so I reached out to Santander consumer to see what could be done. In the settlement some people were offered restitution, but I didnt want restitution I just wanted the charge off of the repossession to come off of my credit as what was stated in this multi state settlement. When I reached out to Santander consumer they were not helpful at all and did not want to give me any information about the settlement. I have called them for months trying to get them to remove it from my credit because although it says charged off it still shows negative things on my credit which causes my credit to drop 30 points or more each time they decide to keep reporting. Also the loan was a joint loan so not only was It hurting me but its hurting the person who signed with me which has held them back for qualifying for a house loan. When I reached out to them they said they had sold my debt to XXXX XXXX so I dont understand how theyre able to still report negatively on my credit. But also I didnt understand how they sold the debt when they where suppose to remove It from my credit and give me debt relief. Also when I tried to dispute the matter on credit karma they retaliated on me and reported on my credit as If the account was still open In XX/XX/XXXX which resulted In my score dropping drastically.
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander consumer is reporting on my credit report that i was late making a payment on XX/XX/2021 I made my XX/XX/2021 payment on time on XX/XX/2021 I sent them proof they refused to correct it with no explanation.
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Account has been reporting a Charge-Off status to XXXX XXXX and XXXX credit bureaus EVERY MONTH on my Credit Report. The Account Status is inaccurate reporting and it is damaging my ability to get employment and housing. Santander continues to validate the Account status
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: On XX/XX/XXXX my XXXX XXXX XXXX that I bought in XXXX was repossessed from my home in XXXX, Colorado. Immediately I called Chrysler Capital to see what can I do. The first representative was an XXXX speaker told me, that the car could be any where including Texas or Arizona. I called a second time an a representative in XXXX told me that it should be in Colorado, and I should called in two days to see where to pick up my belongings. After two days I called them back and they gave me the phone to called the people in XXXX. I called them and after an appointment I went to picked up my belongings. Once I arrived home, I called Chrysler Capital to speak with someone in XXXX, it could be XXXX or XXXX or XXXX or XXXX, I spoke with then several times. At the beginning the representative was very attentive and asking me questions and waiting for my response and suddenly, something changed that she started to be defensive and she told me " depending of my response she will see if, I am elegible or not to pay the due amount to recovered my auto. '' She told me the amount that was a little more of XXXX $ to recovered it and I told her I only have right now XXXX $ and maybe if I talk with my sister she can give me difference and I was thinking out laud and I said " I need the car to work '' and she said " you are not eligible to pay the car '' I asked why? and then I told her " I am doing pretty well right now I can do the other hundreds of dollars by the end of this week '' She repeated " you are not elegible because you are using the car for work " and she didn't know what I mean to used ny car to work and I told her '' That means is someone really need the car to work you prefer to see the person loosing everything instead to give the person another opportunity. I have rented a car and I am doing my work I don't depend of this car to work and I am doing more than XXXX $ dollars a month and I told her that I can proved all this information " and her response was " NO " I requested a manager or a supervisor and she said '' there is not other person higher than me ( Her ) to take this decision '' I told her I will look for a lawyer and she said " good luck if any lawyer will take your case '' She told me an Absolutely NO. We hanged out the called. Next day I called back and spoke with someone in XXXX to see if this person will said something different and she said the same I am not elegible and she read what the other person wrote in the file and I told her " I would like to talk with a supervisor or manager '' her response was the same. Between this days I received a letter written the same day it was repossed the car XX/XX/XXXX informing Chrysler Capital that they took the possession of the car because I broke an agreement date XXXXand in the letter they said ' WE INTEND TO DISPOSE OF THE VEHICLE AS EXPLAINED IN THIS NOTICE SUBJECT TO YOUR RIGHT TO GET THE VEHICLE BACK AS DESCRIBE BELOW '' and below said " I CAN GET BACK MY CAR IF I PAID ANY TIME BEFORE THEY SELL INCLUDING THE EXPENSES. " I called third time and told the person about the letter the answer was the same I received previously. I told her " so, I will have to buy a new car and pay my new car and at the same the amount owe for the XXXX because someone decided to not give me the opportunity to pay my car back and in the letter doesn't specified that they will decided if I am elegible or not to pay the amount. It just said " TO PAY THE COMPLETE AMOUNT I HAVE TO PAY. " and the answer was the same. Of course I look for lawyers and the payment was more of the payment I will own to Chrysler Capital So, I went to look for a car and I bought a XXXX XXXX XXXX XXXX on XX/XX/XXXX I gave a down payment of XXXX $ and I am paying around XXXX $ every month to now. Them I received a letter XX/XX/XXXX telling me the car was sold and the balance I own to XXXX is XXXX XXXX when I received this letter I called back to XXXX and I said that I don't want to talk with any representative and I explained what happens to the representative and she told me " of course you always have the opportunity to talk with the Department of Formal complains " and XXXX the representative this time she told me that the my amount to pay is XXXX $ ( they withdraw from the original amount of the letter XXXX $ ) and she said " we cam make an arrangement to pay only XXXX $ '' And I told her why I have a horrible record because some one didn't want me to paid at that time the amount requested and I was able to do it and, why now I have to pay that amount? that is not fair and, why now I can talk with some one and now you have the Department of Complains? So she took all my information for make someone of the complains department to called me back and I was very specific with her " I can only takes calls before XXXX XXXX or after XXXX XXXX or XXXX, don't called me before that time because I can not answer '', guest what happened. They called me after XXXX ; XXXX XXXX and then the following day, I answer the call and I said " hey I can not talk right now can you call me tomorrow between this time and this time? '' and she said " yes '' After a week no one called me I called back and asked to talk to the department of complains and they said " they try to reach me out but I didn't take there calls " and I said this is not true I answer the second call and I told her " I can not talk right now can you called me tomorrow? '' I was specific to called me between this time and this time '' and they said you didn't response to our calls them I said " I would like to told with some one higher Tham you and she said you will talk with assistance of the highest of the company and another woman answer me the phone '. And her response was you didn't answer the call and your complain is closed and you always had the opportunity to ask for the department of complains but now your complain is closed and I told her " you can listened all the conversations I had '' and she said " to late nothing else to do. '' I received a letter LIMITED TIME SETTLEMENT OFFER AVAILABLE the letters is from XX/XX/XXXX and I was trying to find a lawyers but it will be more of what they said I have to pay right now, they said I owe them XXXX $ ( XXXX $ less than before ) and they are willing to accept only XXXX $ to settle the account by XX/XX/XXXX I finally get to XXXX XXXX XXXX and they gave me this website to make a complain here. This is how I ended here. Thank you so much. And then I was reading i the reviews of Chrysler Capital and it looks like it is a modus operandi of Chrysler Capital, I am not the only one that have past for this situation. I have the letters I received from then and our conversations recorded for them that I can proved that no one didn't allowed to pay for my car and non of them allowed me to talk with a manager or supervisor and the said it was my right, In the letter of XX/XX/XXXX was very specific if I paid the amount they request you can take your car back and I didn't said " you must be elegible ''
Company Response:
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have bank loan for XXXX I payed XXXX back. Now my car loan says my original balance was XXXX now and I owe XXXX back. Because I lost job due to Covid. Not a good look on my credit.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Received auto loan with high interest rate from Santander Consumer USA XXXX for a 2016 XXXX XXXX. Made XXXX XXXX monthly payments for over 4 years. Original Loan amount was {$33000.00} and made over {$40000.00} in monthly payments. when I got payoff of loan and tried to work with company to resolve with account being paid in full. I went to sale the vehicle and suddenly car was repossessed from Santander Consumer Usa. I called repeatedly and was given the run around about the situation. They then sold the car for $ XXXX and now are telling me owe XXXX balance on vehicle. This would make the XXXX XXXX {$40000.00} in payments plus the XXXX received at auction plus the XXXX they saw now I owe {$76000.00} for a basic XXXX XXXX! In addition, I can't get another vehicle because they reported on my credit report as such. This kind of predatory lending has to stop as it is affecting consumers. I lost my job as a result of no car. I tried to resolve before the repossession. Additionally the attorney general have gone after Santander XXXX XXXX and has forgiven the loans and given titles to vehicles and removed the accounts from credit reports. I am asking that this account be removed from all XXXX credit reports at a minimum as this is unfair business practices.
Company Response:
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: CFPB Case No. : XXXX I previously filed a complaint on XX/XX/2020 disputing inaccurate information on my credit report. To date, I have not received a response to this complaint from the company. Santander stated they were unable to locate account and requested VIN number. I provided the VIN number ( XXXX ) and the company has failed to respond.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A