Date Received: 2020-10-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I moved from XXXX to XXXX XXXX in late XXXX. Once my residence was established and I received direction from the XXXX on how to obtain XXXX registration, I contacted Chrysler Credit on XX/XX/XXXX to request a copy of the title and a limited power of attorney as required by the XXXX. I have called Chrysler Credit three additional times ( XX/XX/XXXX - spoke with XXXX # XXXX XXXX - XXXX # XXXX / XX/XX/XXXX - XXXX # XXXX ) to explain my situation. Each time they assured me the documents had been sent out but either to the wrong address or they didn't have an address to send them to. This is not a true statement because I have updated my address in their website and they could have simply looked up my account and found my address. Now I am well past the XXXX grace period for registering a vehicle after becoming a XXXX resident and I have to pay a penalty due to Chryslers Credit incompetence. On today 's call with XXXX, she took my information and I insisted they send the documents via XXXX XXXX with a tracking number and to call me immediately if there was an issue. We will see what happens, but regardless, their incompetence and lack of basic customer service is going to cost me fines and penalties by the state. Please look into this company and their lack of service practices. It is harming customers.
Company Response:
State: SC
Zip: 29710
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My complaint with Santander Consumer USA is that they have incorrectly applied payments to my account. My payoff amount is at {$20000.00} with over 3 years of payment on a {$25000.00} loan. Upon review of my payment history, they have opted to apply the full amount of several monthly payments to the interst on yl and none to the principle. This has occured despite the fact that I have paid a few dollars over the actually amount that is due each month. I have tried talking to them about this but they only try to fast talk me and call out a bunch of dates and number in an effeort to confuse me and address the real problem. The representative even admitted that the way they had applied the payments is not something that is outlined in my contract. They have taken upon thenselves to frontload the interest payments as opposed to applying the payment to both the principle and interest appropriately and according the the percentage of the interest rate. This is unfair and a malicious practice. I beleive the payoff would be approximately {$10000.00} less had they applied the payments as they should have.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: They reported my car as a charge-off and I have never been late.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/2020 I received 2 email notifications informing me that 2 duplicate payments were scheduled to come out of my account for my {$400.00} monthly payment. When I log into the account I am unable to see any " pending '' payments only a payment history and therefore I am unable to edit and/or delete the duplicate payment. I immediately called Santander to delete the duplicate payment to prevent my checking account to the negative. I was advised " we are unable to delete a payment because of a system glitch, call you bank and place a stop payment ''. I called my bank informed them of the issue and they stopped 1 of 2 payments in the amount of {$400.00}. Today XX/XX/2020 I logged into my account to make my scheduled payment of {$400.00} ON TIME and was informed I would only be able to pay via debit card and be assessed a Convenience fee of {$2.00}. I called Santander again and was advised " since the last payment was NSF the " system '' locks you out until 6 monthly payments are made with out issue. Had the system not had a " glitch '' and had I been able to edit my duplicate payment there would not be an issue at all. I was never contacted regarding the matter prior to the due date nor was I allowed to continue making the payment as I have been all along.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Santander Consumer USA is reporting a debt of {$17000.00} with a date of last activity of XX/XX/XXXX. In accordance with Texas Law they have gone beyond the statute of limitations to legally collect the debt and made no effort to do so. They continue as of today to report the debt on all three credit reports. This is reporting of zombie debt, a violation of FCRA and Texas Law. I sent them a letter on XX/XX/XXXX demanding the cease reporting the debt and delete it from my credit report. They refused to comply and continue to report the debt in violation of the law.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ATTENTION TO SANTANDER CONSUMER USA. I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft. I recently submitted a previous report in which was disregarded and was not resolved. I submitted all needed documentation along with my personal information. I am asking this account be removed this account from my file as the amount of {$26000.00}. as Well as another account under the same name SANTANDER CONSUMER USA being reported as the amount of {$9600.00} does not belong to me. BOTH accounts were fraudulently opened through this company CREDIT SANTANDER CONSUMER USA as someone stole my identity in XXXX of XXXX and XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire BOTH ACCOUNTS. I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter as this is causing major issues yo my personal file and great financial troubles during this time.
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
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: There is a settlement that was reached between Santander Consumer USA and a coalition of 34 state Attorney Generals that gives relief to consumers that were directly impacted by the Defendant 's business practices. I am one of those who were directly impacted in more than one occasion. After multiple attempts to have my loan forgiven and title mailed, which is what I am entitled to under settlement terms, the only response I get is to contacts my Attorney General. I need this matter to be resolved as it is extremely unfair to consumers who trusted Santander Consumer USA in a time of need. XXXX XXXX Customer ID : XXXX
Company Response:
State: CA
Zip: 90241
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Mid-day XX/XX/2020 ; I reached out to Santandar Consumer USA to find out what happened with the vehicle that was in my name. This was a vehicle that I had financed for someone and starting months back no longer recieved updates on from Santander Consumer USA or the person that had possession of this vehicle. Through that phone call i found out that the vehicle had been repossessed, sold at auction and the debt had been sent off to a collection agency. They gave me the number to XXXX XXXX XXXX , XXXX and said for anymore information that I should call them. I called XXXX XXXX XXXX, XXXX shortly after and spoke to a representative who informed me that I owed XXXX left on the vehicle and instantly proceeded to ask for personal information. I obliged and gave my address and other contact information. When the phone call reached negotiations on the debt I told the representative that i needed to think about it and I never set up a payment arrangement with them that day or any other. On XX/XX/2020 ; I recieved a letter from XXXX XXXX XXXX , XXXX that stated that I had set a payment of XXXX to XXXX resolve the debt and that they had not recieved it. I did not make this payment arrangement and I did not promise XXXX XXXX XXXX , XXXX a payment of XXXX. Nor do I believe I was informed by XXXX XXXX XXXX , XXXX during any point in communication that I had the ability to dispute this debt.
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-12
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 Consumer USA Account # XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$10000.00} Account has been closed, charged off as bad debt and written off as bad debt. I have sent 3 letters for the deletion of this inaccurate information. I do not owe {$10000.00}. The car was sold at auction and I do not owe this amount that has been reporting for more than a year. Under The Uniform Commercial Code, N.J.S.A. 12A : 9-610 ( b ), whereas the lender is not entitled to all of the money it seeks because the sale was not commercially reasonable and, as a result, the sale price was unreasonably low.
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: It all started at the beginning of the loan. The loan was funded via Santander in which at the start was a challenge. I did not get a bill till about two months later because the funding was ( from what I understand ) delayed because of approval. I did take delivery of the car however, the contract had to be shipped to me while I was in Hawaii. I had someone come out to notarize the signing. There were many issues prior to taking delivery of the vehicle in which my son had to take delivery of it as I was still out of state. I am on a fixed income and did not have the best of credit. I started to immediately fall behind and then started to seek out assistance from Santander. To date they have referred me to the XXXX in Arizona to file a complaint and to inquire about the multi state lawsuit for prefatory lending and other illegal, unethical practices by Santander. I am getting the run around to find out about my status in this class action lawsuit and therefor my complaint today. Can you have the organization put my name on this list that they have to forgive this loan and send me the title as I know I am a victim of their business practice than landed them with this lawsuit settlement.
Company Response:
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A