Date Received: 2021-01-06
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: loan was paid off early via an insurance check for hail damage to the vehicle which I had repaired prior to receiving the insurance payout. Payoff of the loan was in 2018. After payoff the title was never issued. Someone in their company entered the vehicle in their records as a total for the {$4500.00} ( value still above $ XXXX ) but this was NOT what they were told at the time of the payoff. They were told the correct reason as I described above and I specifically made sure to mention I wanted them to issue the title upon the check clearing. I have tried 3 times in the last 2 months to get the title released to me, even having my insurance company verify that I was driving this vehicle. I was promised it would be issued before XXXX but still do not have the title.
Company Response:
State: SC
Zip: 29316
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XXXX XXXX, 2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 are all dates that I have disputed this account with the Chrysler Capital. On each of these dates, I have brought to their attention on how the balance owed does not match the amounts listed on the explanation of calculation of surplus or deficiency as well as the account summary provided. They each listed 2 different amounts which show the same balances. I have brought to their attention on how the contract shows a credit sale between me and the dealership and not with with Chrysler Capital/Santander. When the vehicle was sold off, there was not an intent to sale notice provided and neither provided when I wrote my letters on multiple dates. One last thing is the months that are reporting incorrectly. I have a contract showing that the months were for 72 and on my credit report, it states 79 months. After each contact with this company, they keep verifying that this account is accurate. I am not sure as to how they are verifying that this information is correct when I am consistently showing that they are not. At this point, I would like to have the account removed for this company operating under deceptive practices when it comes to my credit report and the account listed with them.
Company Response:
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: In 2015 I was placed into a car loan with a 24.99 % rate on a XXXX vehicle. leaving me to pay more than double on a car. locking subprime borrowers into auto loans it knew, in some cases, carried default rates of greater than 70 %. I was not offered any other option to finance a vehicle, I was unaware that an internal score was used to approve me and not notified. I am now upside down due to trading the vehicle in. A settlement was approved for {$200.00} that I have not received and that is not enough for the amount of the payments I made and the equity I am now in.
Company Response:
State: NE
Zip: 68005
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/2020, my Daughter 's car was missing from in front of our house. I had her call the police and the police told her that they were informed that her car was repossessed. We called Santander Bank, the bank that she pays her car payments to. My Daughter said that she was informed that because she pays her payments via the Santander 's website on her cell phone, that there was a scam website that looks like the banks website, and that my Daughter, amongst others were paying the scammer over the last 4 months their payments. My Daughter told me that Santander told her that there was nothing they could do because she and others paid their payments supposedly to the scammer website. My Daughter did not know she was paying a scammer. My Daughter contacted the bank she has that she pays her bills with. There is no record of these transfers ( payments to Santander ), that the scammer, who had her information from the payments, probably hacked into her bank account and removed these payments. My Daughter did receive email notifications about the payments, that I saw, but unfortunately, my Daughter has XXXX and those settings she had any mail she read was automatically deleted and emptied to trash. My Daughter 's car was towed to an impound yard. My Daughter is waiting for money to clear that her father sent via a check to her to get the car back. She received a letter from the loan bank today and they want her to pay late charges which are over {$400.00}. My Daughter recently contacted Santander and she was told that the fake bank website was finally taken down. My Daughter paid the car payments and because she was XXXX when she got the car, I always ask her to show me the proof the payments were made. She paid extra money at times when she had it. I just don't understand why Santander Bank is basically calling my Daughter a liar, by wanting her, when we pay to get the car out of the impound, late fees. This is not fair and as her XXXX year old Mom I am very upset about this.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I know my rights and which is wrote in 1681b, where I did not give permission or concerns to this company to get a hard inquiries copy. XXXX XXXX XXXX/XXXX/2020
Company Response:
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I am a member of Santanders class action lawsuit and qualify for loan forgiveness or settlement offer. Santander has not followed through with sending me a detailed copy of current contract as asked after loan account was closed. They do not report positive payments on closed loan but keep it on credit report. They need to offer settlement amount and provide details of current contract, or bring balance to XXXX.
Company Response:
State: CA
Zip: 95472
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Per the federal truth in lending act, the printed APR on a retail installment contract must reflect all interest and fees paid by borrowers. Santander Consumer USA charges a bank fee which is paid back as part of amount financed and is not reflected in APR, ergo it is a fraudulent loan.
Company Response:
State: NJ
Zip: 07675
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Company Response:
State: PA
Zip: 19133
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
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: Santander has continued to validate this account with credit agency dispute me notifying them that I fall under the settlement for the current lawsuit
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Investigation took more than 30 days and haven't received any investigation results.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A