Date Received: 2021-03-28
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: Purchased a new vehicle in XX/XX/XXXX and last payment scheduled for XX/XX/XXXX. Lender engaged in negative amortization and did not apply payments towards principle as required. Lender is attempting to collect or have me refinance left over negative amortized interest at end of loan maturity date. Lender is under lawsuit by Attorney Generals AA part of multi-states settlement ; required to offer waiver loan balance and release of titles to lenders. They classified lenders with some " internal code '' and loan/lending practice that result in consumers at risk if default, repossession and adverse credit ratings. Loan and lending practices result in loss and negative impact on consumer. When contacted the lender, Santander Consumer Bank, refused to explain how there can be any balance left when all payments made on vehicle ; would not explain or provide me with " internal code '' used or even explain it. Customer service would not allow me to go up chain of command to discuss problem with so called " administrators '' and just hung up on me several times or passed me around to it her reps. Company engaged willingly UN predatory practices that area illegal and unfair. Considering they are already under scrutiny by various states attorney general 's offices to provide refunds, release of titles and waivers to consumers impacted by their predatory loan and credit practices, one would think they would work hard to redress and offer relief and make amends for their illegal and unfair actions that negatively impact customers.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am writing to delete the following information in my file. The items that need to be deleted are listed in my report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commission 's identity theft affidavit. Please delete the items as soon as possible.
Company Response:
State: PA
Zip: 19133
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: This complaint relates directly to the previously filed complaint # XXXX in relation to Chrysler Capital ACC # XXXX. This is a repeat offence that was perpetrated upon me and should be carefully investigated and addressed. Chrysler Capital is trying to extort from me funds in excess of {$56000.00} for a loan that was closed even by Chrysler Capital admission. Below I will refer to myself, XXXX XXXX as third person, such as he, plaintiff, XXXX XXXX. I have prepared the below myself without any help, so please forgive my grammar. Brief Chronology : - XX/XX/XXXX Plaintiff XXXX XXXX on XXXX XXXX XXXX XXXX XXXX ( who acquired the vehicle ) purchased vehicle at XXXX XXXX XXXX financed by Chrysler Capital. - XX/XX/XXXX Said plaintiff refinances said loan # XXXX through XXXX XXXX XXXX loan # XXXX, who sends check # XXXX in the amount of {$56000.00} to pay off Chrysler Capital loan referenced. - XX/XX/XXXX Chrysler Capital deposits the check, but does not credit it to the correct account. - Plaintiff calling multiple times and getting ignored, Chrysler Capital says the endorsement is irregular, they never got the check, the check was lost or stolen etc. - XX/XX/XXXX plaintiff provides copy of cleared check, Chrysler Capital continue to insist they never deposited the funds. - XX/XX/XXXX plaintiff files a complaint with CFPB with copy of the cleared check attached, simultaneously trying to resolve matter with Chrysler Capital. At some point Chrysler Capital received the complaint from CFPB and advised plaintiff XXXX XXXX to re-issue the check and make a stop payment on the previously issued check. XXXX from Executive Office was the one to advise a stop payment on the check. - XXXX XXXX XXXX XXXX makes an effort to retrieve the funds from check # XXXX that Chrysler Capital claims they never got and are successful at it. - XX/XX/XXXX as advised by Chrysler Capital employee ( or affiliate or subcontractor or processor answering the phone on behalf of Chrysler Capital, exact relationship not known to plaintiff ) XXXX XXXX XXXX reissues another check # XXXX for the same amount of {$56000.00} and overnights it to Chrysler Capital. - XX/XX/XXXX Chrysler Capital confirms receipt of the check and applies it to the loan balance, as well as issues a written reply to the CFPB complaint # XXXX, in which it states mistakes were made, but now it's all good. XXXX XXXX XXXX received a letter ( attached below ) stating that Chrysler Capital released the lien from the vehicle title and that the lien has been satisfied in full. - XX/XX/XXXX ( on or about ) XXXX XXXX receives a disbursement check from Chrysler Capital stating that the loan is closed, account is reconciled and all is good. Shortly after check is posted, since the complaint was worked out plaintiff in good faith closes the complaint thanking Chrysler Capital for resolving the matter. IMPORTANT : Sometime in XX/XX/XXXX ( exact day unknown ) Chrysler Capital finds the check that was presumed irregularly endorsed issued on XX/XX/XXXX for the amount of {$56000.00} and number # XXXX, same check that a representative of the company advised to have a stop pay placed and tries to deposit it, thus committing fraud ( using financial instruments declared void ), knowingly or unknowingly. Obviously the check had a stop pay and Chrysler Capital was unable to commit check fraud, thus they went back and re-opened a closed and reconciled loan that they confirmed was closed and reconciled, applied fees and interest and went after their former customer XXXX XXXX with a regular statement first falsely claiming past due amount on the loan, and then with 2 attached documents falsely without any proof claiming that the loan is in default, because the check that they fraudulently tried to cash ( knowingly or unknowingly ) had insufficient funds. Chrysler Capital is allegedly involved in trying to extort and defraud XXXX XXXX for a loan that was completely paid off and confirmed paid off in a written statement to CFPB ( attached ). As soon as Chrysler Capital will repossess the vehicle for which the lienholder is XXXX XXXX XXXX they might be guilty of Grand Theft Auto in addition to all the financial fraud they are trying to commit, besides trying to extort XXXX XXXX for a loan that was closed. On top of that, XXXX XXXX is a professional that holds Florida State licenses that require good credit rating in order to be valid. He is also trying to acquire additional licenses that will be denied, should his credit rating decline, which means an end of his professional career and gainful employment. Not to mention the stress, duress and harassment endured because the lender committed a mistake. XXXX XXXX XXXX physicals health is in decline, his mental state is very much affected by such symptoms as XXXX, XXXX, XXXX and XXXX due to the damage inflicted by Chrysler Capital that can be confirmed by multiple witnesses that know him closely.
Company Response:
State: FL
Zip: 34202
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on XXXX XXXX. I contacted the company telling them I did not authorized the inquiry. I am a victim identity theft fraud, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please deleted these unauthorized credit inquiries.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Chrysler Capital has been consistently reporting inaccurate information to the 3 credit reporting agencies regarding my account with them for the last 24 months. They report I am 30 days late each month which has damaged my credit score and kept me from being approved for a loan that I would be eligible to receive if they would simply correct their mistake. I sent a letter to XXXX about the inaccuracies and they only corrected 5 months of late payments. When I sent them another letter, they retaliated by sending a letter of " Notice of Right to Cure ''. I have proof of cleared checks from my banking institution for each monthly car payment and I've printed out information from XXXX 's database that logs my monthly payments. There is nothing there that states I am late. Now the letter I received today ( XX/XX/2021 ) was dated for XX/XX/2021 is a Notice of Right to Cure, requesting I pay the full balance of {$4900.00} by XX/XX/2021. XXXX has horrible business ethics and are retaliatory because I am exercising my consumer rights are being violated and my credit scores are being negatively affected.
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2021-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.
Company Response:
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is my second time making a complaint. I was in the process of reporting this issue to the Federal Trade commission and i was redirected to this page. According to the fair credit reporting act this inaccurate inquiry must be removed from my XXXX and XXXX account and not just closed. this item is Derogatory and is negatively impacting my credit score. It was Already removed Fully from my XXXX account. This item was opened onXX/XX/2020 for the amount of {$21000.00}.
Company Response:
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchased a car was targetted to pay a insanely high rate after trading in my vehicle to purchase a new XXXX XXXX. The engine went bad and other things occurred during the time I had it which coated thousands. I've said XXXX on a XXXX car. they targetted me on a bad loan, called me none stop, lied and charged me more. This has destroyed my credit I can't find a good lawyer. I have zero paperwork from them. My car had gap insurance, I was paying about XXXX a month just to drive and did this for year 's. They limited my life destroyed any chances of my life going forward and this created damages to my business. I was told first month was due at the time of the next ... I argued this and it then later turned into oh you're late and owe double, then denied me the chance to refinance when they lied!!! One month later. I traded my {$3000.00} jeep in for that and they still lied!!!! {$16000.00} + jeep fees
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 XXXX XXXX. XXXX : XXXX : XXXX 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 XXXXmonth 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 : XXXX. Requirements relating to information contained in consumer reports [ XXXX XXXX. XXXX ], Section XXXX of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ XXXX XXXX. XXXX ] ; XXXX XXXX XXXX a ) ( XXXX ) [ XXXX ], and XXXX. CREDITOR CONTACT INFORMATION : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX EXCEPTIONS TO DISPUTED ARGUMENTS AS STIPULATED : I demand that this account be posted on all three credit bureaus, as currently it is only posted on XXXX XXXX XXXX XXXX XXXX This is causing me difficulty as I can not post the proper credit rating on all bureaus that I deserve. Accordingly, I respectfully request that the above referenced subscriber to the credit bureaus top clear all obstacles that hinder the account information across credit reporting agencies, adding XXXX and XXXX XXXX into its monthly reporting on payments and overall account status. 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 XXXXdays as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A