Date Received: 2021-01-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have held a loan via Chrysler Capital since XX/XX/XXXX. I have never had a late payment with this loan and unfortunately did not realize how quickly said loan would have become " upside down ''. My Girlfriend researched the XXXX Consumer Loan Class Action Lawsuit and had reason to believe that my loan would likely qualify. Due to COVID-19, I had been waiting for an unemployment payment since XXXX XXXX, In XX/XX/XXXX, I reached out to Chrysler Capital to see if an extension on said loan could take place. I was assured all would be taken care of and my loan payment would not come due again until XXXX XXXX. On XX/XX/XXXX I discovered that they still deducted a payment in the amount of {$390.00}. I was told to file a complaint via Fax for the payment to be considered unauthorized and such would be refunded to my account. This Fax was successfully delivered on XX/XX/XXXX at XXXX XXXX CST. As of XX/XX/XXXX there has been no acknowledgement nor my money returned. This loan has carried a high interest rate, numbers frequently changing, no response to correspondence from the above mentioned dates nor messages filed on Chrysler Capital 's website on XX/XX/XXXX, a voicemail left on XX/XX/XXXX, nor another message again sent XX/XX/XXXX.
Company Response:
State: IA
Zip: 502XX
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: 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: Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Company Response:
State: MA
Zip: 02151
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: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Santander Consumer USA is in litigations with my State of New York. As of today i have not received any guidance on how this lawsuit will be helping get through this unaffordable loan. I have been with them since XX/XX/2018 and after all the payments i have made not even {$5000.00} has hit my principal account. I struggle to pay my loan but i do so i do not have to continue paying so much interest and hurt my credit. I did reach out to the executive office and received a call that i am not entitled to any relief. Yet my name comes up in the suit through XXXX XXXX. They spoke down to me and treated me like i was the one doing something wrong. Santander basically washed their hands in regards to this lawsuit and refuse to provide me any information
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigation results
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have attempted to contact Santander Consumer via dispute letters. I have never received a response from them. After contacting my Attorney General Office here in Georiga I was advised that Santander Consumer USA is involved in litigation and the item being reported falls under litigation items with the company.
Company Response:
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Santander is currently reporting an account that was XXXX in XX/XX/XXXX on my credit report. There have been several attempts to get the account removed from my credit report without any resolution or response from Santander. As you can see in the attachments, Santander just settled a Class Action case in XXXX, for Deceptive/predatory lending practices. According to the agreement, my debit is to be forgiven and the account status updated to positive or the account to be removed from my credit report. After reviewing the Deceptive Auto Loan Practices CLASS ACTION SETTLEMENT WITH SANTANDER CONSUMER USA. This is a direct violation on the settlement agreement. Because of what they agreed settlement this needs to be corrected within 30 days of receipt of this complaint.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting my name be removed from a car loan with Chrysler Capital effective immediately. I have no affiliation with this vehicle nor did I sign any documents connecting me to this debt. I have been trying for years to get this vehicle off my credit with little to no help from Chrysler Capital. I was under the impression this issue has been resolved since I received a letter from XXXX dated XX/XX/2019 stating this item was Deleted from my credit report. This item does not appear on my XXXX XXXX for XXXX or XXXX. My credit score based on XXXX XXXX for XX/XX/XXXXis XXXX and XXXX credit score is XXXX. I am in the process of trying to purchase a new house and was denied the loan due to this encounter and my credit score appearing as XXXX. This debt is affecting my credit tremendously and I am requesting for this to be removed. The owner of this car is from from XXXX, New York and his girlfriend is from XXXX. Im not sure if he still resides in XXXX, Ohio. The car was basically stolen because the monthly payments are not being made. I have never attempted to make a payment on this account because it's not my car or obligation. I have not seen nor talked to the owner in over 5 years. I have made several attempts to contact him with no success. The car dealership where this car was originally purchased has since gone out of business.
Company Response:
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a letter/statement from Chrysler Capital on XX/XX/XXXX stating recurring payments have been disabled and to contact them at XXXX. My account is ten days delinquent. Also stating that I have no valid working phone number ( but I have had the same phone number since XX/XX/XXXX ). The statement said that the principal balance is {$240.00} and pay off is {$240.00}. Every single payment to them was made on time with no problems from my bank. I did not shut down the auto payment and neither did my bank. Chrysler Capital admitted to me that it was them that cancelled the autopay when I talked to them on the phone. I looked forward to that last payment and was glad to have it done or so I thought. I bought another vehicle on the same day from another dealership with a different loan company. I now have title in hand for it with a very nice farewell note. I am still fighting these people and have no clue why. In talking to their representative, her name being XXXX, I was told that I had to send them {$240.00} within ten days or they would report me for debt collection and report me to credit bureaus. I sent the check in that day in the exact amount that they demanded. On XX/XX/XXXX I received another letter from Chrysler Capital stating that they appreciate my payment. However the payment did not satisfy the entire balance on my account leaving a remaining balance. On the date of the letter, my remaining balance is {$11.00} and is good until XX/XX/XXXX. If I do not send the amount in by that time my balance may change if remainder is not sent. THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. ( in bold caps ) My question is do I have basis for complaint? If I send this new amount, can they just keep tagging on debt and it will never end? Where is my wrong in this or my mistake? I promise you that I was not once late on a payment to Chrysler Capital. This is very stressful especially at this time since I have been quite ill for several weeks. Please help me. I know it is not a huge money amount but it is wrong in every way to me and I feel it should be illegal. Will it ever end? How can I make it end? I have copies of the letters they sent to me. First letter has my account number as XXXX and second letter has my account number as XXXX. How can this be? Thank You! XXXX Please contact me at your convenience.
Company Response:
State: NE
Zip: 688XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
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: I made a settlement arrangement with Chrysler Capital on XX/XX/2020 a charge off for a car loan that I was a co-signer on. They agreed to settle the amount due to {$2400.00}. I paid them {$1000.00} ( via debit card ) on XX/XX/2020 and I have a copy of the agreement. I received communication from them immediately when I paid the {$1000.00}. On XX/XX/2020 I paid the difference ( via debit card ) of the amount owed which was {$1400.00}. I asked for documentation to show that the account has been settled and paid in full. They are stating that it could take up to 30 days to receive a receipt showing it's paid. I don't understand this as I received a receipt right away for the first payment. It is not a check that has to clear. It was taken out of my checking account. The chargeoff on my credit can not be removed without the letter from them stating the account has been settled and paid. I am being evicted from my home because my landlord is selling the house. I am trying to buy my own house but am unable to because of the chargeoff on my credit report. I need the letter showing it was settled/paid to get it removed. THis action on Chrysler 's part is affecting me. Please assist.
Company Response:
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On multiple occasions my car loan with Santander consumer. Goes up in value. I cant trade the car in nor can I afford the payment any longer. The interest is really high. I often Call try to lower the monthly and have received no success. With the pandemic they have always reported that it was late where the cares act state they shouldnt. Ive also asked for XXXX payment removal with no success. The account doesnt even report properly with many different information across the three credit Bureau. While always reporting lates.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A