Date Received: 2021-01-12
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I WAS GIVEN A NEW CAR LOAN BASED ON AN INTERNAL CREDIT SCORE USED BY THE COMPANY SANTANDER. NO INCOME WAS VERIFIED N. I ONLY FILLED OUT AN APPLICATION AND PUT DOWN XXXX DOLLARS. T I AM SELF EMPLOYED. IDINT PROVIDE BANK STATEMENTS OR TAXRETURNS NOTHING I WAS EVEN ABLE TO WALK OFF THE LOT WITHOUT PROVIDING MY SOCIAL SECURITY CARD. WHICH I WAS TOLD TO FAX IN THE NEXT DAY. I WAS NOT AWARE OF THEM USING THEIR OWN INTERNAL SCREDIT SCORE.WITHING THE FIRST 45 DAYS I STRUGLED TO MAKE PAYMENTS 2 YEARS LATER AFTER BEING IN DEFAULT MY VEHICAL WAS REPOSSED. THERE IS A MULTI STATE LITIGATION AND SETTLEMENT IN WHICH I FELL INTO THE GUIDELINE OF THE THE SETTLEMENT WHICH MEANS I SHOULD HAVE BEEN ABLE TO KEEP MY CAR AND SENT THE TITLE OR HAVE THE LOAN FORGIVEN AFTER REPOSSESION. NEITHER WAS GIVEN. I HAVE CONTACTED SANTANDAR CONSUMER REGARDDING THESE LIES. THE EVEN FALSIFIED PAYENTS IN MY PAYMENT HISTORY THAT MAKES IT LOOK LIKE I MADE PAYMENTS AFTER I MADE THE LAST PAYMENT. THIS LOAN FALLS WITHING THE TIMEFRAME OF THE SETTLEMENT I ALSO HAVE BANK STATEMENT THAT SHOWS MY PAYMENT HISTORY TO SANTANDER AND HOW IT DOESNT MATCH THE RECORDS OF THE TRANSACTION HISTORY THEY FALSIFIED ALSO INMY ACCOUNT
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, CHRYSLER CAPITAL add a hard inquiry on my credit report. But companies 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: PA
Zip: 19116
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In a multi state class action lawsuit to which I am included in a settlement agreement litigation Santander Consumer has agreed to provide relief by removing any and all negative information which has negatively impacted my credit report me the consumers in which they have reported to all three credit reporting agencies should have been deleted
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To start Chrysler Capital is one of the worst companies I have ever had to deal with. My lease is up XX/XX/XXXX and it is showing my account was closed out XX/XX/XXXX and I have a charge off on my account. How can my account be closed when I am still making payments? I have talked with multiple people at Chrysler Capital including the executive office and they all say that I have made every payment on time and that I was never reported. Somehow it shows up on my credit report and now no bank will offer me a new car lease with this falsely reported incident. This needs to be rectified.
Company Response:
State: IL
Zip: 60189
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have did everything in my will by submitting documents asking for validation which I did not receive an answer. I sent multiple letters with no response which under the law this items should be deleted if I did not receive any letter back from this company Chrysler Capital. I have all the letters I sent and receipts for certified mail. I also didn't get a letter of repossession when the vehicle was repossess now I'm asking that you all help me resave and get this deleted off my credit because they did not follow laws and resound to me ever.
Company Response:
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to XXXX XXXX to test drive a vehicle on XXXX XXXX, 2020. I left without purchasing a vehicle and continued to receive many notices of credit inquires days later after I had already said I did not want to purchase the vehicle.
Company Response:
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My used vehicle loan is with Santander Consumer USA. I noticed that even though I have been making payments towards my loan, the balance never seemed to decrease. I will admit that the interest is pretty high due to my credit score and they did provide me with payment assistance in the past however, upon a review of my transaction history not XXXX XXXX has been applied towards my principal balance since XX/XX/XXXX. Surely this is an unethical practice of business. If my calculations are correct, I've paid roughly {$8600.00} since XX/XX/XXXX and not XXXX cent has gone towards the principal balance. I contacted Santander on XX/XX/XXXX requesting an audit of my account. I was advised today that they emailed me my transaction history, which I had already obtained through their online account portal. So their response was useless. This company has a record of taking advantage of their customers and illegal business practices. They prey on the vulnerable. Your assistance and investigation into this matter is very much appreciated. Thank you.
Company Response:
State: KY
Zip: 40342
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Greetings, My name is XXXX XXXX. I am contacting you regarding an auto loan with Santander Consumer. This company has already been sued over the business practices to the amount of {$65.00} XXXX dollars. I had my car repo twice by this company. Funds were never an issue. My girlfriend and I have our jobs for over 5 years. I used my credit card to make my pays to keep all my bills all in my own place. Santander changed its policies without any notice. Santander no longer wanted to accept credit cards. I paid the fees and got my car back. To prevent this from happening again, I providing my banking info for auto payments for the car loan. Everything was fine for around 2-3 years. Until one day Santander was no longer taking the payments. This ruin my credit I tried to fight, in return Santander repo my car again. Even though I had the funds to get the car back. I was just had enough of the games and tired of jumping throw loops just to pay my car note. Thank you for your time, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I was looking over my credit report and I noticed that a few 30 days late payments were supposed to be removed ON MY XXXX XXXX XXXX # XXXX the dates were XXXX. My SANTANDER CONSUMER USA # XXXX the dates were XXXX, XXXX - XXXX XXXX my income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreementsaccommodations.
Company Response:
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My name is XXXX XXXX I purchased my vehicle on XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. When I purchased my vehicle it was already a two-year-old XXXX XXXX XXXX. And the As-Is purchased price was {$15000.00} I made payments from XX/XX/XXXX, until XX/XX/XXXX. At the time of my accident, I had paid Santander {$22000.00} to Santander Consumer USA. I submitted my claim to my Gap insurance company XXXX XXXX XXXX XXXX ( XXXX ). The GAP insurance should have paid the remaining balance of {$5100.00} but paid {$77.00}. XXXX dollars. And Santander has charged me {$22000.00} so far and now asking for an additional payment of {$5100.00} for my used, totaled vehicle XXXX XXXX XXXX. Of which was savage and paid off by XXXX XXXX XXXX paid over {$6100.00} shortly after my car accident. I was under the impression that everything was paid in full. I received harassing phone calls and statements through the mail from Santander Consumer USA. The problem is I paid Santander {$22000.00} more than the purchased price AS-Is- the price of {$15000.00}. The purchase in XX/XX/XXXX of a two-year-old vehicle was {$15000.00} they overcharged for the vehicle before it was purchased. I paid {$22000.00} already. And now they what me to pay an additional {$5100.00} after the vehicle was totaled on XX/XX/XXXX. And the insurance paid {$6100.00} and I had full coverage and GAP insurance. The GAP only paid {$77.00} because they stated my full coverage paid {$6100.00}. That does not matter if my insurance company paid their part GAP should have picked up what was due. And Santander should not be harassing me at all period? Please help me recover money if I can for the overpayment of the XXXX XXXX XXXX. I believed I was overcharged and there is some kind of law that protects buyers from being overcharged on used vehicles. As well as hold XXXX XXXX XXXX { GAP } accountable for making the necessary payments on my behalf. By paying the existing balance of the salvage, totaled XXXX XXXX XXXX vehicle. Can you have whomever you forward my documents to? Check for all wrongdoing on whomever part. I have enclosed all the documents in my possession on the XXXX XXXX XXXX. I can be reached by cell at XXXX XXXX and on my home phone at XXXX XXXX or by XXXX XXXX.
Company Response:
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A