Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chrysler Capital is still reporting erroneously on my credit file. They have removed a few lattes but I need them all to be removed. These late 's were their fault. I had filed an extension and was approved. I thought everything was good to go until I checked my credit file and noticed the late 's reported. I called back XXXX to see what was going on and they stated that I had not signed the extension contract. I explained to them that this was a mistake on their behalf because I was never advised to sign the contract. They awknodlge the mistake and sent me a new contract to sign but said they would honor the fist extension and remove the late 's. The late 's are still being reported on my credit file. This is so ridiculous. I've tried resolving this a few times and have received the same response. I am very disappointed that the company is not following through with their word to remove the late 's. I was not late, the company promised to remove the late 's and I need them removed. This is taking too much of my time, money, and energy to get sorted out though it is THEIR FAULT. I need these late 's removed. I did everything right on my end and they messed up but not having me sign the contract. I have tried numerous times to get the late 's removed but they will not although they said they would.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I fell behind 1 payment in XXXX. I called and tried to explain the financial hardship we were going through and asked for help. There was an agreement but into place but for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ad XX/XX/XXXX I recieved lates on my credit report. This payment arrangement was told to me that I would not receive these lates on my credit report because I called and they were working with my on the payments. In XXXX, I got all caught up on my payments. XXXX hit and COVID hit. I was laid off from my job and called again to let them know I was not able to make my payment in XXXX. Again, they understood due to the pandemic and again, were not supposed to hit my credit with this. They did. Another 30 day late in XX/XX/XXXX. I paid everything up in XXXX when I got my unemployment. I was laid off again in XXXX, and again called and told them due to the pandemic, I couldn't make my payment. Again, they said they would note my account and it would not be reported negatively due to the pandemic. AGAIN, I got hit with another 30 day late in XXXX. I have since paid everything up and made my payments on time. I can understand hitting me with the lates back in XXXX, but I called and I tried to do the right thing. I didn't think this would effect my credit this bad. And as far as XXXX and XXXX, again I called to talk them through this, but this is the one I don't understand - we are in a pandemic. Unemployment was all messed up. I didn't have money to pay this due to reasons outside of my circumstances.
Company Response:
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I sent Chrysler Capital two dispute 's to no avail I've received absolutely NO response I've sent my dispute letter certified mail and noticed that Chrysler Capital is signing for my dispute letter but they're not honoring my dispute or the FCRA because they aren't responding. This is a direct violation under the FCRA section " FCRA Section 611 Part ( A ) ( 1 ) Failing to respond to my written dispute within 30 days. " But they've charged off my account over 61 times from XXXX to this present day! Chrysler Capital clearly is operating under illegal business practices. Seeing how Chrysler Capital blatantly is ignoring my request I've decided to shed light on their less than honorable business practices.
Company Response:
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Please see complaint ID XXXX. Chrysler Capitals response is not correct. I have already spoken with XXXX XXXX I do not owe them anything. Their dealership who I went in to finance out my XXXX lease XXXX XXXX States I owe them XXXX. I have received harassing letters and texts from XXXX XXXX in accounting stating they will report my account to collections. Chrysler Capital I have called them two times asking if they received my payment and why I am being charged these fees. They also will not tell me the credit score they pulled my report multiple different times and my credit bureau is not showing what they say I have to give a 21 % interest rate. Now that I pulled out my contract they charged me many additional " new car fees '' which this was not a new car. There should be no lemon law fee, new tire fee, battery fee, license and tag agency fee. There were already plates on vehicle and I have paid for my own registration. I asked the accounting department why they are harassing me about this XXXX fee when in fact I have come across some discrepancies of my own. XXXX XXXX has confirmed there is nothing due and Chrysler capital will not disclose why their dealership is charging me XXXX nor will respond to what credit score gave me a 21 % interest rate. All my credit bureaus show other wise and I showed them this in person. I now show multiple injuries on my credit that I did not agree to run it more than 2 times. Once in XXXX and once in XXXX should have the only time I authorized. My credit is a XXXX and they not only took advantage of my interest rate they overcharged me for fees that is illegal to do because they think im a woman and wouldn't notice. Its against the law to discriminate against a woman and try to scam someone. You closed the previous file but Chrysler Capital has yet to refund me any fees owed. XXXX XXXX was already contacted. Chrysler capital needs to refund me the money their dealership they are working.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The leased vehicle was traded in and XXXX has confirmed that it is paid off however they refuse to update all XXXX of my bureaus to reflect a zero balance and a zero payment.
Company Response:
State: NE
Zip: 68022
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
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 account is in litigation. Ive already filed complaint with attorney general. Im now reaching out to cfpb because Santander is continuing to report this account even though Im apart of settlement. I filed complaint previously to cfpb which includes complaint number. Santander admits they have no info on this account!! Yet theyve repeatedly validated it to XXXX and XXXX. I also noticed that this has been a common problem with Santander and there is a current lawsuit with cfpb. Please assist me in resolving my concern. Once Again Ive attached documents
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/XXXX my insurance company sent a check to Santander Consumer USA for the total loss of my vehicle. The check cleared the bank on XX/XX/XXXX, but was not posted to my account. I called to follow up, and was told there was no check or payment found. I had to provide the copy of the cleared check before they would acknowledge. I later found out that the payment was posted to the wrong account. I was told to give 5-7 days for it to be updated. It has been almost 3 weeks since I sent them the paperwork and they still have not posted the payment. They tell me to continue making monthly payments. My GAP coverage check cleared and was posted XX/XX/XXXX. They still do not have my vehicle deemed as totaled, while interest is steadily accruing on the account. No one has been able to explain why it is taking so long, only that most are working from home and it takes time to process the payment. It took no time to have the check clear the bank, but over a month to have the apply the payment appropriately. It has been a challenge trying to get another car with a decent interest rate with the totaled vehicle showing up with the high amount owed. They have pretty much backed me into a corner, resulting in the purchase of a car with a higher interest rate, because of what the finance companies are seeing. I have been in a rental since XX/XX/XXXX and it is now XX/XX/XXXX. UNACCEPTABLE.
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XXXX XXXX constituted procedural form for me to put down a XXXX % percent down payment. Which happens to be a violation under federal law. Federal law also says the finance charge is the sum of all charges. Which is considered the amount financed there is a section that says the amount this credit will cost you. XXXX XXXX has added the amount the credit will cost me into the finance charge with said company Santander consumer USA. But before all of this, the contract was consummated between myself and a finance manager of XXXX XXXX, a employee, someone who can not stand trial on behalf of the firm, a firm that can not stand in the court of law because they can not certify under the penalty of purjury. The contract was consummated by fraud. A finance charge should never be apart of a finance charge.
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX : I was contacted by XXXX XXXX XXXX ( agent name given was XXXX XXXX ) regarding a debt with Santander Consumer USA Corp. I was told I owed {$3200.00} and Santander were seeking legal action against me. I advised this debt was settled in XXXX. The debt collector proceeded to tell me this was a scam and the amount I paid didn't go toward the debt. I backtracked and ended up with a Santander compliance officer named XXXX XXXX. Mr. XXXX called XXXX with me and asked XXXX about a cease and desist order Santander had against XXXX XXXX, and to speak with the owner of XXXX XXXX XXXX, XXXX XXXX, and XXXX hung up. I have not heard from XXXX XXXX XXXX since. XX/XX/XXXX : I was contacted by a company called XXXX XXXX. The agent stated their name was XXXX XXXX with mediations and resolutions. Phone number on my caller ID was XXXX. I was advised Santander sold them my account " two weeks ago ''. I was threatened a tax lien and wage garnishment. The debt was {$4000.00}, however, they would settle for {$1000.00} and the government would pay the rest through a Covid 19 grant. Once I paid them, I would get a paid in full letter. I have a paid in full letter from when this debt was settled in XXXX of XXXX. I also received a 1099C from Santander for the XXXX tax year for their write off. This complaint is against XXXX XXXX XXXX and XXXXXXXX XXXX for trying to collect a false debt. Also for Santander Consumer USA Corporation for releasing my personal information to these scammers.
Company Response:
State: UT
Zip: 84088
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This vehicle was repossessed by XXXX XXXX in the State of Florida. Under the laws of the State of Florida XXXX and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A