Date Received: 2021-04-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I received 2 alerts from my credit monitoring service that my credit was obtained from Santander and XXXX XXXX. I have tried to contact the agencies and they both deny the claim. I am not shopping for a new car
Company Response:
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 76549
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: For all three credit bureaus I spoke to them to see if I can get Santander consumer removed off of my credit report which was a previous loan back in 2010 It was charged off but it has been more than seven years and they will not remove it from my credit report also XXXX XXXX XXXX XXXX it has been more than seven years and I also tried to get it removed off my report and they will not remove it I want both of these removed
Company Response:
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am submitting this complaint as an intent to get some help on this matter. tI am very concerned. There are three late payments reported on my CHRYSLER CAPITAL account on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These late payments are being reported different across bureaus, which shouldnt be happening. This is a violation under the FCRA. I dont want to focus on this violation but its important to mention it because it creates confusion and my credit score gets affected. On the dates mentioned above, I was not actually late. There was a third-party company that was supposed to make the payments on my behalf. I realized that I was reported as late, and I decided to contact this company. In my mind, the payments were on time, as normal. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter that I have attached. I am requesting Chrysler to correct the late payments reported on the months mentioned above. This was a situation that I could not control, I was not even aware of what was happening. Ive been with your company for 3 years and I want to keep on having a good relationship between us. I really hope you can deeply research this case and take a fair decision. Account information : Account number : XXXX XXXX XXXX Opened date : XX/XX/XXXX. Highest balance : {$27000.00} I have sent to Chrysler the letter from third-party company as proof of their error. Thank you.
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: SANTANDER CONSUMER IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT FOR XXXX, XXXX, XXXX, AND XXXX. I WAS DENIED A MORTGAGE LOAN DUE TO THIS INACCURATE INFORMATION.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I picked a car in XX/XX/2015 financed by Santander Consumer USA. The price of the car was {$11000.00}. After the processing, they had created a loan of {$13000.00} including fees and other charges. The monthly instalment was {$340.00} for a period of 5 years. After a time of 6 years, {$24000.00} has been paid back and still a balance of {$7600.00} has to be paid, which is a disaster.
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Chrysler Capital is in dishonor with Public Law Chap.48 Statue 112 and eCFR 1901.508 from the I signed my name on the promissory note.
Company Response:
State: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX I got an auto loan for a XXXX Chevy truck with Santander Consumer USA that included Gap Insurance for covering losses not covered by vehicles value. Not sure exact time frame, but definitely within 2yrs the truck was in an accident while parked and unoccupied. Was a total loss not at my fault, and the at fault driver had not enough insurance to cover all vehicles involved. My " Under Insured '' policy feature and whatever at fault drivers policy coverage was put in play. Some how there was still a balance Santander said was around $ XXXX left owed after the truck was taken and sold at auction. They did not apply the Gap Insurance, and then reported the loan Charge-Off/XXXX. This date and Closing of that account should've been somewhere in/around XXXX. They actually properly stopped reporting Late or No payments for many months, then suddenly started again. And then however they continued to make negative reportings on my credit for years with the $ XXXX balance even though it was " Charged Off '', and still " updated '' monthly unpaid payments even into XXXX. This affected subsequent loan rates risk factor as it seemed to be recent bad payments, when in reality should have been many years back and now should be almost Removed because of the 7yrs. But instead it looks like only a few years back and still lenders see this bad history and fault me. This kind of " updating '' to keep negatives on consumers records should be XXXX Abuse and they penalized. Why isn't it, and why isn't the Government protecting consumers from this financial XXXX
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I cosigned for an auto loan with finance company, Santander Consumer USA, in 2018 and the loan eventually fell delinquent. I later received a notice that I did not qualify as a co-signer for this loan and should have never been approved as such. I have since misplaced this notice but I have discovered that the Attorney General won a class action suit against this company for predatory lending practices of subprime consumers. I would like to have this obligation removed from my name and from all credit reporting agencies.
Company Response:
State: NC
Zip: 28150
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is no longer mine.. Please provide me the information needed and investigate all the history reported on this account It is absolutely inaccurate. You do not have any information to verify means this is unverifiable, and FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts have been transferred or sold. I am no longer responsible for the alleged debt also no written communication, contract, or signature. FDCPA section 807 ( 8 ) states if you can not validate this debt you must request that all credit reporting agencies delete the entry IMMEDIATELY!
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A