Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. Santander reached out to me letting me know that I had nothing to worry about while everything was in litigation. Santander also told me that no more payments were needed to be made on my part. Now, on my credit report Santander has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to Santander to correct this problem and they refuse to fix their era.
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX I traded in a XXXX XXXX XXXX van at XXXX XXXX Dealer. The XXXX dealership sent a check to Chrysler Capital to pay off the loan on the XXXX of XXXX. Chrysler Capital signed for the check on XXXX of XX/XX/XXXX, see attachment 1. On XX/XX/XXXX Chrysler Capital took a payment of {$540.00} out of my checking account for the van. I made about 15 to 20 calls to Chrysler Capital to get this resolved with no help. Yesterday I received a letter, see Attch 2, It states that they did not consider it paid in full until XX/XX/XXXX. Yesterday I also received a check from Chrysler Capital, see Attach 3, for {$270.00}. The problem I have with this is they received the payoff check 5 days before my payment was due but took them 27 days to consider it paid off. I should have received a check from them for {$540.00}, that is the amount they took out of my account after they received the pay off check. Instead the check was {$260.00} short of what the owe me. Thank you for your help, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MT
Zip: 59404
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Company Response:
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CHRYSLER CAPITAL Inquired on XX/XX/2019, XX/XX/2019 add a hard inquiries on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/2011 we got a car from XXXX of XXXX and went under the impression we were getting a car for our personal, household, and family use under credit via a consumer credit transaction. However after reading consumer laws that is not the case. We are calling out the fraud that Santander Consumer USA and XXXX of XXXX committed when we went in for a consumer credit transaction. we were not disclosed full details of the consumer credit transaction and how the transaction would be fulfilled. In addition there was no consideration given for the promissory note that was recorded on the companys books. I XXXX XXXX XXXX and XXXX XXXX are the natural person ( s ), living man/woman and original creditors was not given full disclosure on the consumer credit transaction. SANTANDER CONSUMER USA is not the original creditor and that is false and misleading per the FDCPA. SANTANDER CONSUMER USA did not disclose their initial relationship with the dealership that would bring a natural person into commerce. SANTANDER CONSUMER USA did not disclose that upon the consumers providing their social security numbers ( credit card ) per the Truth in Lending Act and subject to 18USC 8, by the cardholder ( XXXX XXXX ; XXXX XXXX XXXX that the consumers who are the ORIGINAL CREDITORS in the consumer credit transaction, credit would be used by the dealership and the financial institution to obtain a Loan from the federal reserve bank per ( 12 USC 1431 ) in the consumers name which is identity theft, and returned as a promissory note. Nothing of value was provided in consideration by SANTANDER CONSUMER USA. Also per the Truth in Lending Act the consumer was only to pay the finance charge in a consumer credit transaction. However much more was paid. I am requesting validation of debt per 15 USC 1692g. In addition SANTANDER CONSUMER USA is a debt collector per 15 USC 1692a ( 6 ). Debt Collector has thirty ( 30 ) days to properly and timely verify and validate the alleged account and debt as follows : a. Present all original account/loan level documentation from the original transacting parties containing verified signatures from all original transacting parties verified under oath and penalty of perjury to support your claim of indebtedness. Also please PROVIDE per the Generally Accepted Accounting Principles ( GAAP ) an audit trail of the aforementioned account. Lastly, There are other questions below that I would like answered point for point on a sworn affidavit. The first question is based on Federal Reserve Banking publications, by whom was the " loan '' funded I.e, who put an up ( asset ) to fund the loan and where did the funds ( I.e, cash, money, check ) come from? Second, provide full bookkeeping entries for account. And based on banking principles when the " note '' was signed and deposited to " create the funds '' an asset and liability was created to " balance the books, does that constitute as an exchange and settlement for the goods received, I.e, XXXX XXXX vehicle? Please also note That the giving a ( federal reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158. That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. Also we are exercising our consumer rights to rescind the transaction per the Truth in Lending Act and want all funds returned to the original creditor ( I.e the consumers ; account holder )
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I XXXX XXXX ENTERED INTO A CONSUMER CREDIT TRANSACTION WITH CHRYSLER CAPITAL ON XX/XX/XXXX. A CONSUMER CREDIT TRANSACTION IS A TRANSACTION IN WHICH A FINANCE CHARGE IS INVOLVED. PURSUANT TO 15 USC 1605 A FINACE CHARGE IS THE SUM OF ALL CHARGES IN A CONSUMER CREDIT TRANSACTION. BECAUSE I KNOW THE FINANCE CHARGE IS THE SUM OF ALL CHARGES I WAS NOT EXPECTING A BILL. ON XX/XX/XXXX CHRYSLER CAPITAL MAILED ME A BILL WHICH IS A VIOLATION OF 15 USC 1692B.
Company Response:
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
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: In XXXX of XXXX, I leased a vehicle through Chrysler Capital. Due to s severe decrease in income, I fell behind on payments and they repossessed the vehicle on XX/XX/XXXX. The only prior notification that I received of the pending repossession was a letter dated XX/XX/XXXX, titled " NOTICE OF LEASE TERMINATION AND EARLY TERMINATION LIABILITY. '' Since that time, Chrysler Capital has reported a Collection/Chargeoff in the amount of {$7500.00} to the credit bureaus. Late last year I began researching my rights and options for improving my credit score, and I learned that each State requires creditors to provide debtors with sufficient notification of their " right to cure '' delinquent accounts before any repossession can occur. Failure to do so makes any such repossession invalid and ineligible for reporting. I informed them of this twice via certified letter ( on XX/XX/XXXX and XX/XX/XXXX ). They responded each time with a refusal to remove this negative info from my report. I am now is discussions with my attorneys on pursuing legal action against Chrysler Capital. However, I also ask for your assistance in this matter.
Company Response:
State: KS
Zip: 66030
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A