Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My loan on a finance vehicle as a cosigner with Santander consumer USA is being reported in accurate several times after trying to resolve with the company, I was a part of a multi state settlement with Santander consumer USA and my New Jersey attorney generals office, my account is in litigation and is to not be posted to my credit report because the account was paid off and closed, XX/XX/XXXX my account was showing paid off with a XXXX balance, also received a letterFrom the attorney generals office of New Jersey on XX/XX/XXXX confirming, will attach documents
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My fiance and I co-signed on a car loan through Chrysler Capital for a used XXXX XXXX XXXX for {$17000.00}. By the time we had signed for the car and saw our loan balance it was {$23000.00}. They did not tell us the APR percentage as we were first-time car buyers eager to own our first vehicle as a family with a son on the way. Within 6 months of having our loan ( $ XXXX monthly payment on a 6-year loan with a 29 % APR ), our car was repossessed. The tow yard they took our vehicle to refused to give us our personal property ( including urgent medications and continued to say it was not in the vehicle ) unless we paid {$150.00}. We ended up having to borrow money from relatives because losing the car and having a loan for {$10000.00} more than the car was worth was not something we could afford and would ruin our chances of having a vehicle for the next 6 years. We borrowed {$2300.00} in total to get our car released back to us. We have successfully paid every month since then, besides 2-3 late payments due to job loss from COVID-19. We were speaking with a relative about our car loan and APR and they were floored and said that is an illegal practice, so I looked into the consumer finance website. I was going to file this a month ago so we could get a FAIR payment on the value of the car at purchase, but unfortunately, I was getting onto the XXXX on the on-ramp and a coyote darted in front of me, I swerved to the left to avoid it and there was no guard rail so I ended up flying over a hill and the car crashed back onto the floor in an embankment full of trees which I avoided, but all of the airbags went off, thus totalling the car. It is now worth less than {$4000.00}. I contacted my insurance agency ( XXXX ) and they took a month to complete my claim and tell me that it would not be covered to get my car out of the tow yard. I then contacted relatives and was able to secure a personal loan for the value of the vehicle and the tow yard fees. I then called Chrysler Capital and offered them that amount in return for closing my loan out so they would not lose money on getting my vehicle from the tow company, on top of letting them know if they do not accept the offer we will BOTH have to file for bankruptcy because we can not pay {$16000.00} on a car that they took back and sold, on top of paying the exorbitant interest rate they charged us. They refused, got the car from the tow yard and are set to sell our vehicle XX/XX/XXXX for less than {$4000.00} and we will still owe {$15000.00} for a car we do not have. This is my last step before my fiance and I both file for bankruptcy. Any help would be SO greatly appreciated because we were truly being used for our low credit so they could make money on top of the millions they profit, while we are left bankrupt, without a car and a XXXX-month-old to care for with no transportation. We also just received an offer in the mail to refinance through an entirely different company for {$340.00} a month, cutting {$160.00} from our bill. Every time we called to refinance they said they would not due to the repossession that happened due to Chrysler price gouging us.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello. I want to start off by saying I am really disappointed with how Chrysler Capital has been treating my wife and I regarding the account on our credit report. It is both very shameful on their end and really disheartening on our end. My goal here is to let you know of the behavior of Chryslers representatives and the way they dont care at all about people and just take advantage of them. This will be long winded, but it is important you know everything from the beginning so you understand my situation. Around the summer of XXXX, My XXXX XXXX XXXX I had purchased broke down on me one too many times. It was clear something about the vehicle was defective at that point since I had already taken it to be repaired several times in the past. I contacted XXXX XXXX XXXX and went through the process to have my vehicle deemed a lemon by legal means. I will briefly skip to the end to let you know my vehicle was deemed a lemon legally before I continue with details in chronological order. Now that we are all aware my vehicle was a certified lemon, I will backtrack to after I contacted XXXX XXXX XXXX. They gave me instructions on what to do so we could proceed with the case. I followed their every instruction because I could not afford for this new vehicle to be broken down and me get stuck with the loan when it was clearly a defective product. In the end, I kept making payments on this vehicle even though I found out the process to have this vehicle deemed a lemon concluded by XX/XX/XXXX. Chrysler Capital however decided they were going to mark me 30 days late consecutively on the loan starting from XX/XX/XXXX all the way until XXXX of XXXX. How they can mark me late even though the vehicle was deemed a lemon officially by XXXX of XXXX is beyond me. More so because I continued to make payments well after XX/XX/XXXX so there shouldnt have been any late payments. Even more so because I even received a check from XXXX XXXX XXXX in the amount of {$4700.00} in XXXX of XXXX and this was AFTER they took their cut for fees and whatever else they charge. In a letter I received from XXXX in XXXX they specifically say that if I were to continue to make payments after XX/XX/XXXX, those payments would be reimbursed to me. In case you arent following me in this yet let me try to explain it to you from my point of view. My payments to Chrysler were {$670.00} a month. The letter which I will provide you as well as the check I received will show you that I was reimbursed money because no money was owed after XXXX of XXXX. How can I be late on an account that no money was owed as of XXXX and that I CONTINUED TO MAKE PAYMENTS ON! These late payments have been hurting my wife and I and it is preventing us from being qualified for certain types of credit and it is costing us money in higher interest rates for the credit we are able to obtain. It is not right, it is not fair, and it is not legal. But that isnt where this all ends. Besides the fact that Chrysler is wronging my wife and I with these late payments, they are refusing to fix anything and it is nearly impossible to get them to do anything no matter what I try. Ive tried disputing the late payments with the credit bureaus, Ive tried calling Chrysler directly on XX/XX/XXXX, Ive tried sending them letters directly on XX/XX/XXXX on top of my disputes to the credit bureaus before hand, and nothing gets any response or any investigation, or any corrections of any kind. In fact, on XX/XX/XXXX, a Chrysler representative named XXXX said the department in charge of credit reporting would get a hold of my wife within 48 hours so they can talk to her about these late payments. They never did. What more am I supposed to do? Should I contact my lawyers again and sue Chrysler for hurting my wife and my credit reports? It is not right I have to suffer the consequences of bad reporting from Chrysler AFTER I had to suffer the consequences of buying a bad product from Chrysler. Please help me in having Chrysler remove this account from my report. Since they arent able to report accurately or even address my concerns then they shouldnt credit report the account at all.
Company Response:
State: CA
Zip: 93203
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/2020 ( XXXX XXXX ) I was told by Chrysler Capital that {$1900.00} was my total balance and that by paying that they will be free of debt and they will close my account. It turns out now they are trying to charge me more money and reporting even a bigger balance to the 3 Bureau Credit Score. Please help.
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report per XXXX. 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: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Hello, in XX/XX/XXXX, i purchased a used car, while sitting at the desk of the dealer was discussing details with a finance company, i notice he was kind of secretive, but could not hear what he was saying, seemed he was hiding something from me, anyway, after he got off the phone he told me he was able to get a finance company who agreed on financing me. The dealer knew Santander Consumer USA, INC was under investigation since XXXX, but i did not know, otherwise i would not have accepted the loan. In XX/XX/XXXX, i was on my computer getting ready to make a payment to Santander, the first page on their site, was shocking to me, a report from the AG of NY, had a report about fraudulent auto loans from Santander against hundreds of consumers from twelve different states, had a lawsuit of {$550.00}, XXXX, in fraud from Santander, so far they have paid out {$65.00}, millions to consumers, signed over titles of vehicles, and forgiving their loans, but Santander is still under investigation to pay out {$490.00}, XXXX, from the {$550.00}, XXXX. When i got the loan in XX/XX/XXXX, i was part of that fraud, but Santander is denying me any resolution. I had three conversations with them. What Santander has been doing is : targeting people with a fixed income, somewhat imperfect credit scores, with the idea that they would not be able to afford payments, default on the loan, and then repossess the vehicles. I would appreciate any available assistant, i am a victim of this fraud by Santander, all i was trying to do was trade my older model car, for a more reliable one. I look forward to your response. Thanks
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: I am the primary account holder on my auto loan. I am having difficulty getting a hold of Santander Consumer USA about my cosigner filing chapter XXXX bankruptcy and Santander not allowing me to have access to my account, paying my bill, giving me options on what to do next, or explain any of the following concerns my cosigner, his wife and I had with this auto loan company since the beginning of our auto loan in XXXX XXXX. The following is a complaint my cosigner and I wrote during the time we both gathered relevant documents and tried to contact Santander to resolve this issue, including my own similar complaint to them last month. Santander USA requires a {$480.00} monthly payment for our vehicle loan, totaling {$19000.00}, paid off in a 72 month term at a 20.49 % finance charge, according to our original loan documents. I was asked to cosign for an auto loan from XXXX XXXX dealership for my daughter in law, I will call ( her, she, kids, kid ), even though I had a very low credit score at the time, I believed at the time XXXX XXXX dealership located in XXXX AZ, knew me from my previous purchase of a vehicle from there location, renting through XXXX many times and the wages I earned from my job were satisfactory at the time. She had no credit and only around XX/XX/XXXXyrs. old when we purchased this vehicle. Due to both credit scores being poor at the time of approval, it resulted in a higher interest rate, at 20.49 %. After returning home from the dealership, my wife, ( Wife ) carefully examined the details of the auto loan documents. Wife was upset after informing her of the amount of interest rate charged. Wife calculated the financing and her results repeatedly showed, the monthly amount for this percentage rate of 20.49 % brings the monthly payment to {$480.00} a month, even calculating on the Santander Consumer USA website shows the monthly payment should be {$480.00}. I never knew this was a simple interest loan until a couple months ago. I gave permission to Santander for my wife to be allowed to discuss the details of the account with Santander. Wife asked Santander about the percentage rate and the amount of the monthly payments and gave details about her find. Santander decided they need more review on the situation and an accounting manager will contact us soon. My wife demanded an answer before we finished our phone call on XX/XX/XXXX with a supervisor from Santander, after a year of inquiring the same question 4 different times, the answer was finally quoted, " It is our own personal finance charge ''. Wife, the kids nor I did not know how to resolve this problem with Santander or who to turn to for help. XXXX and XX/XX/XXXX, payments were made and they were current on their payments. XX/XX/XXXX, she, our son, and myself, were all laid off around the same time. I was laid off XX/XX/XXXX. I called Santander and asked if we could have an extension, knowing I could not help the kids if they needed it, which I knew they would. We were approved for an extension due to the COVID-19 pandemic. An extension was given for XXXX and XX/XX/XXXX. Even though we did not like the terms and conditions required in the documents requiring my signature in order to get this extension. I had no choice at the time but to sign. The kids resumed payment in XX/XX/XXXX. XX/XX/XXXX was paid but she could not make her payment for XXXX or XX/XX/XXXX. I received 2 phone calls from Santander in XXXX around the XXXX and XXXX, XXXX, I asked the kids if they were behind, they said yes, my wife and I tried to figure out if we could help or not, before returning the Santander call. We decided we need to ask for another extension and will ask them when they call back if the kids do not make a payment soon. We figured the kids made the payment after not receiving another phone call and the kids thought we paid the bill, considering she let us know she was behind and struggling. XX/XX/XXXX Santander calls me, notifying me we are 3 months behind. the kids do not get phone calls from Santander only my wife and I do. I tried to log in to my account on the Santander website like usual in XX/XX/XXXX, so my wife can download all statements and transactions but oddly, they locked me out of the account and left a phone number to call in order to log back on. Which I was never able to successfully recover my account to log into with them. I immediately ask for the extension and explain our situation. I just started a new job after being unemployed since XX/XX/XXXX, my son was still unemployed and she has limited hours all due to COVID-19. They refused the extension unless I caught up on 2 months worth of payments. I explained I could not do this. They threatened to repo the vehicle, I know a repo would hurt both our credit score for a long period of time. I did not want to hurt her score, I was left with no choice but to give up my first full paycheck received at my new job and pay it all to Santander. I could not afford food for 2 weeks for our other kids at home. Santander said they would send me an email, requiring my e-signature on another agreement that must be signed and agree on the following terms and conditions to apply for a two month extension. This agreement requires me to agree to the IMPOSSIBLE! Dated XX/XX/XXXX, it requires that I agree to make the next monthly payment, agreeing to pay on the due date for the month of XX/XX/XXXX. Next due date XX/XX/XXXX. I called Santander letting them know there was a mistake. You can't sign a document promising anyone that you can do something on a date that has already passed. That is an automatic, failed to comply with terms and conditions of contract as soon as you sign the form. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, payments were not made. XX/XX/XXXX, I made 2 months worth of payments so I can enter into an extension. These 2 payments, paid XX/XX/XXXX and XX/XX/XXXX. Leaving XX/XX/XXXX and due date XX/XX/XXXX, for the extension agreement. Having those dates to e-sign, agreeing to pay the next monthly payment after the extension period ends, due on XX/XX/XXXX would be the correct way to handle the extension. learning from the last extension we signed. We did not receive another email or any other correspondence regarding the correct forms to e-sign. She was able to still log into the Santander account on her credentials, I got her information from her and permission to log in to her account. I download the XXXX, XXXX, XXXX, and XX/XX/XXXX statements and all transaction history. I learned that no extension applied at all after I paid the 2 months they demanded or else they will repo the vehicle. XX/XX/XXXX, I had to file bankruptcy due to being laid off from my previous job on XX/XX/XXXX. I now only make half the earnings I used to make at my previous job. Trying to keep and afford my home, bankruptcy seemed to be the only option left. Santander made this vehicle purchase impossible to ever pay off. The kids nor I will ever be able to accomplish paying this loan off with such a high interest rate, almost every payment Her or I have made toward this auto loan sinceXX/XX/XXXX, 100 % of the payments made went straight to interest. Santander spoke to me on the phone when I placed my concern and complaint with them, they did not know how much interest I had left to pay before the payments would start going to principal again. That is unacceptable to me. If I am to make my payments, I should have a right to know how much I owe in interest before any money is paid to the principal again. I asked for a payoff statement the last time she was able to log into her account, the amount was only a few hundred dollars less than what we originally owed on the vehicle for the entire amount of the loan. I believe Santander Consumer is making it impossible for us to pay off this loan, with getting a cosigner with also having bad credit, enabled Santander to place a high interest rate and make 2 people liable for the loan that is impossible to pay off. I do not want Santander Consumer USA to get away with what they are doing to consumers. She is so young and they will come back on her for this auto loan with a starting loan of {$19000.00} XX/XX/XXXX. Until the date XX/XX/XXXX the loan payoff amount was good for {$19000.00}. I feel I was LIED to about the interest rate since day one. The extension that I would get for 2 months in XX/XX/XXXX, is false as it appears in documents, only one month extension was given. I feel Santander Consumer USA, knowingly and intentionally charged a higher interest rate than what is shown on our loan contract. Even if it is only a couple dollars difference monthly but It adds Depending how many other consumers they do this exact same thing to, every month they could make an extra couple million dollars and nobody would ever really notice unless they took the time to do all the math themselves. Wife claims it was a red flag when she noticed the price of the extended warranty. She was upset at me for not checking any vehicle manufacturer recalls that may have been raised before purchase of a vehicle. I would never do that! She would and she was right. This vehicle already, and within the first year owned, has its 3rd new engine and electrical harness replaced. After it almost caused my family to wreck on the highway. The wife believes Santander, and XXXX dealership should be aware of these kinds of recalls that would result in lifetime warranties for new and 2nd owned vehicle owners, that covered everything that an extended warranty would cover. She claims Auto loan dealers should always update important information on vehicles they sell to consumers before they are sold and especially expensive added products that would have no value to the consumer at all. I inquired about Gap insurance but XXXX talked us out of adding gap insurance to our vehicle. XXXX told us that we did not need gap insurance Because we were not underwater on it and it was worth more than what we paid for it. I get the impression now after seeing how Santander have distributed our payments toward interest and principal every month, we were underwater within the first 6 months of purchasing the vehicle. I was surprised when XXXX asked me to cosign for the kids. Qualifying my credit score I believe to be lower than hers at the time was weird but I understood how a good job needs to show someone, at least her or I, makes enough earnings for approval. I should have realized Credit had to matter too, on at least one of us or I could co-sign for my son at XXXX in XXXX, AZ, just one month prior. I did not qualify to cosign for him. I had a big head when I qualified for her so I didn't think twice about why, I just felt special and worthy again. Now after I filed for bankruptcy, she is no longer allowed to log into her account with Santander Consumer USA, nor will they accept a payment from her for the loan. I believe she should have other options available to her for this loan. I don't have a choice but to file bankruptcy which is not her fault. Does she have to file now too? XXXX 19 guaranteed payments made so far totaling {$9200.00}. Original loan {$19000.00} Start date XX/XX/XXXX {$19000.00} payoff amount good through XX/XX/XXXX.
Company Response:
State: AZ
Zip: 864XX
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: HI, I lease my vehicle through Chrysler Capital. For my XX/XX/XXXX statement I received a {$120.00} assessment fee. Not knowing what this was I called and was told it was for a moving violation. I then went on the hunt checking my record at DMV, insurance Company, checked my XXXX XXXX, etc. nothing and I had not been pulled over. I call again and find it was a speeding ticket from a camera. I called XXXX, OH as that is where I supposedly received the ticket. XXXX would not send me copy of ticket or give info because Chrysler was the owner since I lease. I called Chrysler again and requested a copy of the ticket so I could verify and have for my records. I was sent a paper created by them with citation number, lease number, acct number, total amount and city it happened in. It does not show the speed or anything like that. I want an actual copy of the actual ticket ( just as if you get pulled over ). I feel I should have a copy and am entitled to one. Once I receive an actual copy of ticket I will pay the ticket. Called XX/XX/XXXX spoke with XXXX employee ID ending in XXXX I think. around XXXX. called again XX/XX/XXXX around XXXX and spoke with XXXX employee ID XXXX. Received the Chrysler paper, not the ticket. Called again in XX/XX/XXXX and spoke with supervisor XXXX ID XXXX and explained the whole situation to him. He said that was fair and I could receive a copy of the ticket that was in the system. I still have not received a copy of the ticket.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2020 I do not believe that a PAID CHARGE OFF rating on this account is fair, nor reasonable. First of all, it was a secured loan. There were periods when I was constantly late while I worked through serious medical problems and could not work. I was always in touch with the creditor and the vehicle was never repossessed. The legal timeline for the removal of this account is quickly approaching. Until that time, I believe that the proper reading on all pertinent credit reports should be simply PAID, with all previous payment history deleted. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. XXXX XXXX
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I XXXX XXXX, have always believed in personal responsibility in maintaining an excellent credit history. However, in fiscal years XXXX and XXXX I faced multiple XXXX issues that basically kept me out of work. I always thought that I was making my credit card and auto payments within the 30-day grace period. Some of these payments may have been paid near the end of the 30-day grace period and werent posted until the next billing cycle. As a professional courtesy, I respectfully request an audited review of my payment history to see if any of the posted 30-day late payment histories can be deleted, or if I can be given a reasonable pardon for any indiscretions and have the prior payment history deleted altogether. I will maintain my payments professionally until the full term of the loan is over. XXXX XXXX
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A