Date Received: 2021-03-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: In XXXX of XXXX, Santander hired a towing company to repossess a XXXX XXXX XXXX from residents located in XXXX, WI. During the reposition attempt, the towing company driver was told to leave premises, which he did however, the repossion agent called the XXXX police and told them that a XXXX was pointed at him during the repossession. The XXXX police came to the residence a handcuffed me, removed from the premises so the reposession agent could take the vehicle even though I contested the repossession the first time. Santander and the repossession agent were found guilty of violating Wisconsin state law and federal laws in federal court in the state of Wisconsin in the city of XXXX and arbitration was done to settle the federal court case. Now Santander is sending a XXXX to the IRS for the debt they incurred on because of the violation of the law. This should not be incurred as a debt or income for the year based on the fact that this was a settlement from a damage hearing incurred by their violation of state and federal laws.
Company Response:
State: WI
Zip: 53142
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: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Good Evening, I would like to file a complaint against Chrysler Capital. I obtained an auto loan from them in XXXX of XXXX. The terms are 60 months at 18 % with a monthly payment of {$310.00}. According to my account statements, I've paid them over {$9300.00} since the beginning of my loan and my principal has only reduced by {$840.00}. I borrowed {$13000.00} and my payoff is currently {$12000.00} through XX/XX/XXXX. I did miss a few payments and my loan was deferred for a few months due to Covid-19, But this doesn't add up. I've contacted Chrysler Capital several times and they keep stating that the payoff amount is correct. I'm looking for any assistance you may provide.
Company Response:
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
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: this company is falsely reporting information on my credit file. When I disputed this information it was removed then put back on to my credit report. They did not notify me 5 days before hand by law and i am requesting that this be removed from my credit report!
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I have Chrysler Capital for my financing, when I had mentioned in XXXX financial hardship due to covid they offered to defer my payments. Which I was happy since its {$800.00} a month. This was about 2 weeks before XXXX and it was fighting tooth and nail to have this done. They agreed for XX/XX/XXXX for me to resume full payments as long as i paid {$200.00} by XXXX. Which I was a week late. however I went to check my credit and noticed not only did my original loan amount change from $ XXXX and some change but it significantly increased to over $ XXXX of " original loan amount '' which is fully incorrect. I then dug a bit deeper and noticed they also took my robbery of 15 % interest to 17.2 % and neglected to verbally even tell me either was changing. So by me having this deferred during these hard times they went ahead and found a way to extort me out of more money. This is my only high bill I have, I have good credit actually in the XXXX the entire time and they decided to try and extort me. I really would love and appreciate this to be fixed and for all buyers to beware of how crooked CHRYSLER CAPITAL is.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I leased a car from Chrysler Capital in XXXX of XXXX, with my lease expiring on XX/XX/XXXX. I made every payment on time and ensured I was enrolled in auto pay to make sure I made my payments. Chrysler Capital is claiming I missed two payments, while I was unaware I was being taken off auto pay. The reason I did not bring the car in was due to the COVID-19 pandemic. I live in California, and this is right when the first stay at home order was enacted. I was one of the millions of other people that lost their job in this time. Not only did I lose my job, but had to use any and all resources to get my and my familys life in order. With this, I was under the impression from multiple advertisements and other news outlets that Chrysler would extend peoples leases and address it once things went back to normal. With this, I thought my auto pay and lease was extended and had the peace of mind that a large company like Chrysler would take care of their customers. I am unable to retrieve documentation or past statements for my Chrysler Capital account, other than my payoff statement. Im unsure that I was contacted at all due to the email on account was previous work email, I left the job XX/XX/XXXX. I understand that I could have changed that email address, but it did not cross my account as my account was on auto pay, and was unaware this would happen. The only billing statement I was aware of and received was in XX/XX/XXXX when I noticed my credit was affected. My father was a cosigner on the account and used his home address and landline as the primary phone number. That phone number hasnt been active for years and I have also not lived there for years. I was also unaware of any missed payments, and once I realized there was one, I paid over {$21000.00} to pay the car in full. I was under the impression that Chrysler Capital was going to remedy the missed payments on my credit, and was promised multiple times on the phone that my credit history would be corrected. I asked on multiple calls with Chrysler Capital if the calls were recorded, and they answered yes, so there should be record of this. After months, nothing showed and was then told by Chrysler Capital they do not do courtesy credit adjustments. I have disputed these missed payments with the three credit bureaus on multiple occasions. One, which I have attached, was on XX/XX/XXXX. I submitted two online disputes with the three credit bureaus on XX/XX/XXXX and XX/XX/XXXX. I have never missed a payment on any tradeline or account in my life. This has decimated my credit. I recently purchased a home on XX/XX/XXXX. Due to my credit profile, I was unable to qualify for preferred interest rates from multiple lenders. This will result in unnecessary and unfair payments of thousands of dollars over the life of the loan. Not only has Chrysler Capital hurt me financially, they have hurt me emotionally causing pain and suffering. I am at the point where my family has secured an attorney and are in the process of preparing a class action lawsuit against Chrysler Capital. Not only are we doing this for ourselves, but the thousands of people Chrysler Capital has surely and unfairly misled in to thinking they would be taken care of. This ordeal has left me and thousands of other people in complete and utter shock as to how Chrysler Capital treats their customers. I will use the full force the legal system will allow me, and not let this go unnoticed.
Company Response:
State: CA
Zip: 91301
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorized or recognize these creditor that are listed on my credit report..
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Santander Consumer USA , Inc. has been reporting that they " indirectly '' loaned me funds to purchase a car & reported to XX/XX/XXXX andXX/XX/XXXX. I filed a police report with XXXX Police Department and the Federal Trade Commission Identity Theft report and supplied the reports to the credit bureaus. All credit bureaus removed the Santander account from my report pursuant to Fair Credit Reporting Act 605b ( 15 United States Code 1681c-2 ) on or before XX/XX/2021. In XX/XX/2021, I sent Notice of Demand for Assurance of Performance and an Accounting to Santander demanding that they verify the debt with the production of a full accounting on the alleged auto loan. Santander NEVER responded to the Notice and Demand, and instead sent a XXXX contract, a payment history, and a cover letter expressly stating that they refuse to provide me with any information regarding the funding and/or origination of the alleged debt, and they also refuse to turn over any funds they've collected on this account. Their documents were sent back to them, " Refused For Cause : Non-Responsive '' along with a Certification of Non-Response since they blatantly refused to provide the requested information in my Notice and Demand. This also means that the XXXX XXXX XXXX prevents them from furnishing the requested accounting and adequate assurance at a later date. As a publicly traded company, Santander Consumer USA , Inc. is required by law to follow Generally Accepted Accounting Principles and provide me with the double-entry bookkeeping accounting that I requested to prove whether or not Santander did in fact loan me funds. Santander has not listed an " Original Creditor '' on any of my credit reports. Santander has failed to produce evidence of a loan, and therefore, they prove what I've been stating, that I do not and have not ever had a contract with Santander. I do not owe Santander any debt. Santander never loaned me any funds. I am not liable for the debt they allege. I believe, and my belief was certified by Santander not responding to my Notice and Demand, that their full ledger accounting for this account will show that they never issued a loan and took a promissory note with my information on it in as an asset on their books for which they have an outstanding liability owed to me. The accounting will also show that they have been unjustly enriched by this matter and owe me even more than the amount of the promissory note. On or around XX/XX/2021, Santander started harassing me again and reported this alleged debt to the credit agencies again. This fraudulent account has shown back up on all three of my credit report. All three credit reports, Santander reports completely different false information. On XX/XX/XXXX Santander claims this account has been charged off 64 times, the balance owed is {$19000.00}, which is different from the {$0.00} amount owed on the other two credit bureaus. On XX/XX/XXXX, Santander reports that I have 1 missed payment ( 32 on time payments out of 33 ) and the balance is {$0.00}. On XX/XX/XXXX, Santander reports a {$0.00} balance and a charge off with XXXX late payments. Santander has and continues to violate the law. I have initiated the process to recover equitable damages legally for their blatant violations.
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: My Santander auto loan should be part of the class action lawsuit. We took action the summer of XXXX through XXXX XXXX courts to put a hold on all transactions and action until a hearing was taken. At that time we were unaware of the lawsuit. Covid hit and we had no hearing set, but found out about the lawsuit. I feel we were overlooked because we put the hold in the court thinking that we were doing the right thing. They say our loan should not be part, but I feel that I have proof of unfair and predatory lending and fit into the subprime practices of the company. The loan originated on XX/XX/XXXX and falls into the actions by us being taken before XX/XX/XXXX. The company violated the fair lending requirements of the ECOA ( Regulation B ). Proof of that should be the 3 copies that I have from the Automobile sales company of them restructuring this subprime auto loan. I have sent a letter to my Attorney Generals office and was directed on XX/XX/XXXX to call Santander, whom I have had no contact with due to the court advising me onto do so. Santander was harassing me with phone calls even after the court order was on file. I have All dates in my phone. It is starting again due to we tried to have a lawyer take this action and he wasnt following through. I called XXXX XXXX who also directed me to Santander. I then called Santander on XX/XX/XXXX spoke to XXXX # XXXX who said that he had nothing saying that my loan was eligible. I asked who could evaluate my loan and he only offered to settle ; even after Santander illegally took the vehicle while the petition was in court. I then called CFPB on XX/XX/XXXX to be sure I should put in this complaint. There is not a loan number on my contract.
Company Response:
State: NJ
Zip: 08050
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. These are the fraudulent accounts : XXXX/XXXX/XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, SANTANDER CONSUMER USA opened last XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, and XXXX XXXX XXXX opened last XX/XX/XXXX.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Unfortunately Santander is in validation of the Cares Act sect 4201. On XXXX XXXX I notice I santander report my payment 30 days late. Which is in direct validation of the temporary amendment made to the Fair Credit Reporting act prohibiting creditor from reporting past due on account that have been effective by Covid-19. Amongst its many provisions is an amendment to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) that adds Section 1681-s ( 2 ) ( a ) ( 1 ) ( F ) : a temporary reporting requirement for furnishers of credit information concerning consumers affected by COVID-19. Section 1681s-2 ( a ) ( 1 ) ( F ) provides as follows : ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID-19 ) pandemic during the covered period. ( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. By definition a Creditor is any person or entity that extends credit with intend to repaid in the future. Santander is a Creditor who agree to payment arrangements and has now failed to comply with the law. In addition I have requested a review of my initial loan documents and internal credit score. As I'm a part of the recent lawsuit and have not received any information.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A