Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The car was purchased and had insurance on the car in SC. This car was stolen and later found in another state in GA 6 months later after it was stolen. Santander was notified as to where the car was. They went and looked at the car and decided not to take the care back. They said they didn't want, they left it. They said it was a total loss. This was not handled properly and, they didn't notify me of the Sale and the difference to pay. This needs to be deleted off of my credit report.
Company Response:
State: SC
Zip: 29605
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I ask that you please give me the chance to provide documentation to verify my statements to follow. This is probably a long shot ... I recently discovered the Reaffirmation Agreement Santander Bank Lawyers & I negotiated prior to my Bankruptcy Discharge in XXXX added an additional 2 yrs. to my Chrysler Capital car loan. My car payments have always been paid on time, even w/challenges encountered to pay {$490.00} mo. payment w/o access prior to discharge. Santander & I clearly discussed following terms : To lower my interest rate from 10.9 % to 7 % & recalculate payment to reflect 7 %. Since new payment of {$390.00} was over {$100.00} less than original loan, I trusted & understood loan was recalculated at 7 %. Instead, Santander created the Agreement w/intent to cause me financial harm & their company gain from my losses. Loan supposed to end XXXX XXXX along w/GAP Insurance. However, the purposeful intent to create this legal document ( Agreement ) & intentionally OMIT the loan extension of an additional 2 yrs., I will be w/o GAP Insurance & literally pay an additional {$9400.00} plus on top of the initial loan cost of over {$26000.00}! I now expect to be in serious financial distress as a result of Santander gaining my trust & never to expected they would cause me such harm for monetary gain for their company. My plan was to retire 6 mo. after my car loan ended in XXXX XXXX. I have worked for the XXXX since XXXX as a XXXX, currently for the XXXX XXXX on XXXX XXXX. I am very unsure of my future as a result of their intentional financial abuse. Again, my car payment history is outstanding despite the XXXX Bankruptcy filing. I hope this type of abuse is placed in the Bankruptcy Abuse Protection Act. I know I must sound like an XXXX to have this happen to me. I just don't understand why I am unable to obtain assistance. Yes, we both signed the Reaffirmation Agreement. This document is false yet it was filed in the NJ Bankruptcy Court in XXXX, NJ. Thank you for your time.
Company Response:
State: NJ
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: 2021-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account for this creditor has been paid off since XX/XX/2019. As a part of the pay-off agreement, the account trade line was to be deleted as of a result of inaccurate reporting of late payment status. It has been almost two years and the account tradeline has not been deleted
Company Response:
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The account with GATEWAY ONE LENDING AND XXXX Address : XXXX XXXX XXXX XXXX CA XXXX Date Listed : XX/XX/XXXX Has been resolved XXXX and I still haven't received the title for the XXXX XXXX XXXX ( XXXX XXXX ). XXXX XXXX XXXX disputed the matter. I am debt free on this account.
Company Response:
State: WI
Zip: 53212
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: My lease ended in XX/XX/XXXX, I intended to purchase my vehicle at the end of the lease term. In early XXXX I requested the lease payoff amount from Chrysler Capital. The amount included the residual value, the purchase fee as well as some outstanding fees ( which I was unaware ), the total payoff was {$26000.00} ( Includne {$1900.00} in fees ). I attempted to pay the amount electronically but was informed by Chrysler Capital that it could only be paid by check. I wrote check # XXXX on XX/XX/XXXX and sent it in for payment. The check was cashed by Chrysler Capital on XX/XX/XXXX and deducted from my account. I noticed a high balance on my account on XX/XX/XXXX and called my bank to inquire and they said the check was returned due to insufficient endorsement. I asked what I could do next and they said the company should notify me or they could resubmit it for deposit. On XX/XX/XXXX the full amount was once again deducted from my account. I have a copy of the cashed check posted on XX/XX/XXXX the the bank endorsement on the back of the check. In early XXXX I received the bill of sale along with the title to the vehicle from Chrysler Capital in early XXXX. In mid XXXX I received a call from Chrysler saying that I had not paid off my lease. I informed them I had and the check cleared on XX/XX/XXXX. This went back and forth for several weeks, they also informed me that I owed on unbilled personal property taxes, but could not provide an accurate amount. I was able to obtain that amount from the City of XXXX and in early XXXX I paid that amount of {$1100.00} in full to Chrysler Capital. I have provided Chrysler Capital with a copy of both the front and back of the cashed check along with a copy of my back statement multiple times. I have provided this information via fax on XX/XX/XXXX, My bank XXXX has provided this information via fax pm XX/XX/XXXX, I have also provided this information via email on two separate occasions first to a general email on XX/XX/XXXX and confirmed receipt via phone call on XX/XX/XXXX and I again provided via email directly to an operator 's email on XX/XX/XXXX. I have reached out to Chrysler Capital numerous times to try to bring resolution to this situation. My bank statements and the copy of the cashed check endorsed by their bank clearly show that the funds were withdrawn from my account on XX/XX/XXXX and my bank has confirmed they have remained withdrawn. They have confirmed that to me and they have been on the phone with me and Chrysler Capital to confirm it as well. Chrysler Capital has escalated this to there executive resolution office who I have been communicating with since XX/XX/XXXX. I get no resolution from anyone of their operators. I have asked to speak with a supervisor or manager, but have not received calls back from them, if I get a message from them and return the call they are not available. Chrysler Capital asked my bank if they can send the bank statement in a different format, which the bank can not accommodate, but the statement and the cashed check clearly have all the relevant information on them. Chrysler Capital has now reported this account to the credit agencies as a delinquent account when clearly it has been paid. At the very least it is in dispute but certainly not delinquent. I have paid this account in full and should not have any negative marks on my credit report while Chrysler Capital investigates their issue. I paid the full amount on time with a legal check that was cashed. What more can I do as a consumer? I have called my bank and am asking them to dispute the check with the bank, but because it was a legal check with an endorsement there is not much basis for a dispute. Chrysler Financial needs to take responsibility for the resolution to this situation. The only answer I get is that their Finance Department is reviewing it. The only answer they have is that it was returned on XX/XX/XXXX even though I have sent them a copy of the check posted on XX/XX/XXXX and a copy of the bank statement. This is not a case of a person not paying an account I have been actively involved in trying to bring this to resolution and have continued to follow up myself with Chrysler Financial. I started logging my calls in late XXXX and I have spoken with Chrysler Financial in order to address this issue on the following dates : XX/XX/XXXX spoke to XXXX XXXX, XX/XX/XXXX ( with my bank ) spoke to XXXX # XXXX, XX/XX/XXXX ( finally got it escalated to executive resolution ) spoke to XXXX # XXXX, XX/XX/XXXX spoke to XXXX # XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX left message for XXXX XXXX ( Supervisor ), XX/XX/XXXX spoke to XXXX, XX/XX/XXXX left message for XXXX XXXX, XX/XX/XXXX left message for XXXX XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX left message for XXXX XXXX, XX/XX/XXXX spoke with XXXX asked to speak to XXXX XXXX or his boss XXXX XXXX, XX/XX/XXXX spoke to XXXX, XX/XX/XXXX spoke with XXXX, XX/XX/XXXX called to file complaint with XXXX XXXX, XX/XX/XXXX spoke with XXXX after getting message from XXXX ( supervisor ), XX/XX/XXXX spoke to XXXX after getting message from XXXX, XX/XX/XXXX spoke with XXXX along with a rep from my bank XXXX. Through all of these calls I have moved no closer to resolution. I am at a loss as to how to move forward. I paid almost {$27000.00} almost a full 5 months ago. The money left my account just over 4 months ago. I have sent every shred of proof available that this has been paid, yet Chrysler Capital refuses to resolve the issue and now has incorrectly and fraudulently if not improperly reported the account as delinquent. I have attached a copy of the lease payoff letter along with a copy of the cashed and endorsed check. I am happy to provide a copy of my bank statement if someone contacts me personally but for personal protection reasons I do not want to submit online at this point.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This is not a DUPLICATE, I have included new documentation. 1st contract that I was issued for your review. It's certainly clear that this credit application is fraudulent. Not my handwriting or signature or monthly income. You stated that proof of income was not a stipulation, well then how did you expect for me to pay for the loan? I am on a fixed income and XXXX. As I stated before obviously the dealer altered the application. I did speak to several call managers the results were still the same they said the information had been emailed. I have attached a copy of the 1st contract@10.50 annual percentage rate. It's worn a little, but you can do the math. I tried reaching out today XXXX to speak to someone to resolve the issue, got hung up on once again.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A