Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: fcra violations not mine : XXXX XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This company has received a check from my insurance company after the car was total loss. My balance has not updated. Also i have received information that i was a part of a law suit and should be compensated from this company and no one at the company will assist me. I have had repeated harassments, excessive phone calls, threats from an agent while trying to resolve issues with this account. Due to incorrect credit reporting and being involved in this lawsuit due to predatory lending practices this account should be removed from my credit report on all bureaus
Company Response:
State: GA
Zip: 30904
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX, Mr. XXXX learned that someone have gone to XXXX XXXX, XXXX, XXXX in XXXX, Florida and purchased 2 vehicles using Mr. XXXX 's name and personal information. A police report was immediately filed. The vehicles were financed via Chrysler Capital. A formal written dispute was initiated with Chrysler Capital on XX/XX/XXXX via fax. On XX/XX/XXXX, Mr. XXXX received a collection notice on the disputed account. On XX/XX/XXXX I spoke with XXXX ( employee ID # XXXX ) at Chrysler Capital Fraud department. He confirmed case # XXXX was opened on XX/XX/XXXX but not yet up for review ( based on date received ). He has forwarded me a form to complete and return via e-mail. On XX/XX/XXXX Mr. XXXX received a call from a XXXX XXXX with Chrysler Capital Executive Offices. She advised the XXXX that all documentation must be signed in notarized by XXXX. Most documentation provided WAS signed and notarized by XXXX ; however, they wanted a separate affidavit as such. On XX/XX/XXXX we received Chrsyler 's Affidavit, completed and returned via fax with all formerly provided documents confirming identity theft. On XX/XX/XXXX Mr. XXXX received another bill from Chrysler Capital dated XX/XX/XXXX. On XX/XX/XXXX I spoke to XXXX ( employee ID # XXXX ) @ Chrysler Capital ( XXXX ) and was told they were still reviewing my LPoA within their Legal Dept. Mr. XXXX was requested to resend all new documentation he had sent in response to earlier request - all documentation was resent. On XX/XX/XXXX we received notification from XXXX XXXX, XXXX, XXXX that they had confirmed the vehicles were purchased illegally via IDENTITY THEFT. Today we have received an XX/XX/XXXX dated correspondence from XXXX indicating that the Chrysler Capital account has been updated on Mr. XXXX 's credit file indicating UNPAID BALANCE CHARGED OFF and account is to continue reporting until XX/XX/XXXX.
Company Response:
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Dear Sir or Madam, I am writing you today as a formal notice that my account with Santander Consumer USA is being challenged as to recent legal proceedings where Santander Consumer USA was found negligent of violating the Truth in Lending Act and the Consumer Financial Protection Act. For the past five years I have been a victim of Santanders abusive lending practices. I have tried countless of times to discuss this matter with Santander requesting that my account be reviewed as the deceptive and predatory practices have let me to a debt which I can not pay back, and which I believe the company knew prior to their approval of my loan. The interest rate on my account is fixed at 19.6 % with a balance due of approximately {$15000.00}. Recently, Santander was involved in a class-action lawsuit where Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. It is my belief that my employment was never verified for the loan amount and that information in my application may have been falsified or negligently unevaluated, in order to qualify me for a loan I am expected to default upon. Furthermore, fees are being added to my account daily, increasing the probability that a default will occur, ruining my credit and placing an unfair financial burden on me for years to come. Santander informed me that I do not qualify for this settlement, however, based on the initial reasoning why Santander was sued it was because of consumers like me who were robbed and taken advantage of. My car should nearly be paid off because I paid over {$21000.00} in the past five years of having the vehicle. Santander continues to call me aggressively every single day harassing me for form of payment. Santander agreed to waive off this month of XXXX for me due to XXXX related circumstances, however, they never followed through with their end of the agreement and now they are not only harassing me for payment for that month but every day they are adding ridiculous amount of fees. I truly do believe I qualify for loan forgiveness and restitution considering the circumstances surrounding the situation. I have tried to communicating with Santander requesting that either my account be adjusted to reflect the removal of these illegal fees and charges, the interest be re-established at a rate befitting my financial standing or that a monetary award be provided to me. I am requesting for my account to reviewed and this situation to be resolved because it has been an extreme nightmare dealing with Santander. Thank you, XXXX XXXX
Company Response:
State: FL
Zip: 34116
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Santander bank for numerous months is not adding principal amounts to the monthly payments only interest for entire amounts. Santander bank is also reporting false information on all credit agencies. I've tried many times to resolve the issue with Santander bank and get no response from them. Please look into this matter Thank you.
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: this is second request from chrysler capital via CFPB IS BEEN MORE THAN 1 YEAR NOW WE ARE TRYING TO RESOLVE THIS ISSUE I HAVE RECIAVED YOUR RESPOND WHICH CHRYSLER WROTE ON THE RESPOND ON EARLEIR COMPLAIN THAT WAS FILED ON XX/XX/XXXX CHRSLER RESPONDED Our records show that we did not receive a letter from you dated XX/XX/XXXX, however we did receive a letter from you dated XX/XX/XXXX to which we responded on XX/XX/XXXX. We also received another letter XX/XX/XXXX and our response is forthcoming. Any indirect account reporting disputes submitted with the credit reporting agencies, will need to be addressed with the credit reporting agencies directly the dispute was submitted with. When an indirect dispute is received from the credit reporting agencies, Chrysler Capital reviews the information reported and responds back the originating credit reporting agency with updated information, if any. A review of the information provided to the credit reporting agencies shows that on XX/XX/XXXX, we reported the account as Charged-Off with a balance of {$16000.00}. The account charged off on XX/XX/XXXX, when the account was over 120 days past due. Once an account has been reported as charged off, the account will continue to report until the statute of limitations addressed by the FCRA is met. Based on a review of the account, no further update will be made to the information being reported. We respectfully decline your request to delete the account from your credit report. Enclosed is a copy of your Contract, Identity Theft Claim Denial Letters and Payment History for your reference HOW ABOUT IT DENAIL? WOW! HELLO I AM XXXX XXXX FORMER EX EMPLOYEE OF DIAMLER CHRYSLER AT AGE XXXX SO AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX OF XXXX XXXX BEFORE I STARTED MY CAREER IN OTHER FIELD STILL AM ONCE YOU ARE IN CAR BUSINESS YOU ALWAYD BE IN CAR BUSINESS IS SAYING EVEN I WENT SIGNED RECORD DEAL IN MUSIC CAREER AND PRODUCING AND OTHER BUSINESSES THAT I HAVE ON SIDE I was working for XXXX back in XXXX and XXXX in XXXX and XXXX to XXXX for XXXX XXXX show me some respect to start with not denial am i on denail or you? i like to bring to your attention what is this have to do with my dispute resolution fact this respond that i gotten dose not have suffient evidance proof and rights to over come my first request that i asked several fact in my disputes that was not resolve i will upload all of them at same time for you to review how do you consider this claim is denial? how do you know XXXX XXXX in fact purchase this vehicle? how did you verify this information? do you have any proof in fact this purchase was done by XXXX XXXX my seld and my father both made purchase 5 to 7 cars from XXXX over the years and XXXX XXXX my self i am driving land rover at moment rangrover price out around XXXX $ tousend brand new what step have you taken to put this item on my credit report according to the guide line fair credit act and consumer reporting agency? i have provided you with police report have you try to contact the police department? i send first request you asked i have insufient claim since i didnt notarize the my affidavit afther i notorize it XXXX said we can not approve the claim since your police report is not clear we cant read it maybe to XXXX to me i could read it what is the issue the ussue comes from who cause the issue in first place the 3 rd party which you may know who i know who but we cant talk about it or we dont have any prove or evidance how this party intifearance with investigation case this issue ; s lets not get of circle of trust that you and i have afther review your respond i decided to provide the document that you brougt up on the respond and upload it for XXXX to review how ever sorry for a delay that i was not able to get back to you sooner my father was checked in to XXXX hospital on XX/XX/XXXX the same day XXXX got respond and he died on the XXXX at XXXX '' XXXX afther noon there for you could know what that do to human please effective today date remove the negtive information fm my credit and respond within 3 days from the date of this complain 7 days at most failure to respond to this in timley manner will deletre all negative information with fcra no there was letter dated Month of XX/XX/XXXX to Chrysler capital requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from Chrysler with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the Chrysler cap asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent cChrysler Capital on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX ) requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that Chrysler Capital have took to ad the negative information on my credit according to fora law how ever Chrysler was not success full to remove the information the respond was over 30 days from Chrysler the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the Chrysler capital failed to resolve this issue again the Chrysler giving the sad excuses to not remove this account
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I submitted more than 20 complaints regarding Santander consumer usa regarding car loan.I told you they were charging me XXXX to make a payment by phone they said they were not. Looking in earlier in the loan in my transaction they did charge me XXXX to make a phone payment .I have submitted over 20 complaints yet you do nothing they have charged me XXXX early in loan to make phone payment often that was a Enforcement i told you this before
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 11722
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX, received a letter from Chrysler Capital on XX/XX/2021, stating that I allegedly owe an amount of {$33000.00}. Within this letter, several consumer violations were found. On XX/XX/2021, I sent a debt validation letter and also a cease and desist letter pursuant to 15 USC 1692c ( c ). Chrysler Capital has still sent recovery trucks to and around my residence, which is a form of communication, which is a direct violation of my rights as a federally protected consumer.
Company Response:
State: AR
Zip: 71603
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XXXX XXXX 2019 I co-signed on a car loan for my son. I am a XXXX and already had two other car loans and honestly didn't think they would allow my info. to be used based on already low credit and obligations, but somehow they did. I should have known it would have turned into the nightmare it has. He has defaulted, had a major accident and total loss of vehicle. Aside from that, I want to be released off the loan for the following reasons which I have already tried to address : There was a Multi-state judgement against Santander Consumer USA Inc., which Chrysler Capital is under license with and tried to reach out to Santander, Chrysler Capital, XXXX XXXX, and the XXXX XXXX XXXX XXXX for help for clarification about status of where I would fit into this class action suit as I clearly ( possibly my son ) fit into the stipulations as a party defendant. I have not heard anything, but instead get upwards of 8 phone calls a day from Chrysler Capital and hits on my credit report constantly due to this defaulted loan. I would simply like to be released as a co-signer on the loan as this loan was upside down from the beginning and fits all definitions of a predatory loan.
Company Response:
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A