Date Received: 2020-09-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ongoing issue w/ previous CFPB complaints. Chrysler won't answer the actual question/issue, but instead goes back to their talk track. Chrysler Capital is out and out lying and I can prove it in a variety of ways. In their response they claim no records of anything, but also won't answer any questions and have NEVER called me back despite multiple attempts. How do you even explain that let alone allow it to happen as the CFPB or even as Chyrsler Cap. Multiple messages to XXXX XXXX ( 2x ) along with other reps saying they would put in a ticket to " research my technology questions and someone will get back to me. '' Furthermore, all anyone needs to do is listen to the call I had with the rep XXXX XXXX XXXX from the executive office in which she said many ridiculous things, but chief amongst them was telling me I should have known I wasn't enrolled successfully in auto-pay because I didn't get a confirmation email. Obviously ridiculous because you don't know to expect something if they don't say it ( which it doesn't in the online portal ), however here is the absolute indisputable fact. According to Chrysler Capital 's own response to the previous complaints in this chain they note I have now enrolled in auto-pay. Well. I didn't get a confirmation email ... have them produce one. Have them show in ANY manner something they are saying is actual accurate. Have them produce said email - have them show the code, have them show the sent tracking, receipt, click through, etc ... ... ... ... ... ... ..ANYTHING other than them just saying over and over again they aren't at fault. Pretty easy to say you aren't at fault when you don't answer any questions. So, again, XXXX stated multiple times I was at fault because I didn't get the confirmation email stating I was auto-enrolled as if that was the deal breaker. She said if I could produce that email this would all go away ... fast forward to now and one of two things is factual : 1. XXXX/others/CCap are absolute liars and are perpetuating a fraud or a faulty system. My own banker at XXXX XXXX said she is well aware of Chrysler Capital " issues. '' 2. XXXX/CCap is truthful and this is proof their system DOES NOT operate how they think or say it does which means my " story '' checks out yet again and it is not something I did, but rather their system got wrong. Listen to the call, it's about an hour - only one time I spoke to XXXX in the executive office from ph # XXXX ... I listen to calls all day and am in finance, this is a call the CFPB should listen to. She clearly states I should have this confirmation if I successfully enrolled. Now, Chrysler is saying I successfully enrolled themselves even, yet this one elusive email that would prove my statement doesn't exist still. Very convenient. No statement or regurgitation of their random facts around this issue can take from the point. They can not prove or even somewhat justify their handling of this issue and previously said I would have to " subpoena '' what I am asking for ... odd path to go down if you are truly looking to " help '' figure something out. Also, they can not produce any of the mail they state I got, have my email, etc. - just a very convenient story all around on their part. Simply state - they are absolutely caught dead to rights now and only one of the two options above are logical.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I brought a XXXX XXXX XXXX with XXXX miles on it from XXXX XXXX and XXXX XXXX in XXXX of XXXX the cost of the vehicle was roughly 21,000 it was financed by Chrysler Capital at an interest rate of 16.2 for 72 months all 72 payments have been made at this point I was told at the end that I had a balloon payment of about {$10000.00} I called to find out how is that possible when all 72 payments was made I was told that Chrysler Capital policy is if you late on any payments they have the rights to only apply your payments to intrest only and not to the principal so what they did was stop applying anything to the principal of the loan for at lease a yr which creates a balloon payment at end of your loan. base on a class action lawsuit that have been file against them not only do they Chrysler Capital do this to people who might make a payment late they been doing it to people who pay on time. It is just Chrysler Capital policy to use predatory lending practices against any minority or anybody with a low credit score also what Chrysler Capital have been doing is taking advantage of people with low credit score and feeling that they can discriminate against them because they credit score. this predatory lending practice is outrageous not only that Chrysler Capital also charges you late fee plus interest on any late payments made late so you are being charge intrest over the 72mn and interest on the late fee they are inaccurately reporting these large payments to the Credit Bureau it is outrageous to think that you make 72 payments and then your told at the end you still owe Chrysler Capital {$10000.00} for a car that only values about {$5000.00} what they want you to do is to be afraid that they are going to repossess your car so you will negotiate so they can get more for a car that value have depreciate this practice is racially motivated and discriminately against minorities I was told even though the 72 payments have been made I will not be able to get the title for my car unless I pay this {$10000.00} I am looking for this {$10000.00} debt to be removed from my credit report I am looking to resolve this issue with Chrysler Capital for anymay late fees only no interest.72 payments have been made and the car is mind I do not owe them {$1000.00} i will not give them {$10000.00} i will take whatever legal action to stop this process from happening it is unfair no normal car loan or car company would do this to a consumer to try and Rob them to use predatory practice to manipulate and connive is unlawful I'm asking Chrysler Capital to remove this debt from my credit report I am asking them to clearthis loan if there is any late fees I am willing to pay it without no interest onthe late fees the 72 payments have been made and I would like to have the title of my car
Company Response:
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
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: My name is XXXX XXXX and I am in the military traveling trying to get a situation taken care of as fast as possible. I paid off my lien to this vehicle in 2016 with a company called Gateway One Lending & Finance. They were acquired earlier this year by your company who has advised me because this loan is so old, you do not have my account or records. On XX/XX/2016 Gateway One Lending & Finance provided me with the enclosed letter stating I had met my financial obligation and paid off the loan. They also included a copy of the contract stamped paid. I have included a copy of this as well for reference. I traded this car in recently and they are in need of the title. I have been activated for hurricane response and this is creating some significant issues. I am asking that someone please assist me with my situation, provide me with a release of lien so I can get this released with the state of IL.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I believe my account was hacked
Company Response:
State: MA
Zip: 02169
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Back in 2017 XXXX, one of the three credit reporting agencies leaked the data of 143 million Americans, including myself. Information leaked in this data breach included my name, social, date of birth, address, and driver 's license number. As a result of this, I have become a victim of identity theft, leaving my credit profile and overall credit score to suffer greatly. Your organization is currently reporting accounts that I have listed in my lawsuit with XXXX, I have attempted to resolve this issue with your company and I have yet to receive a response. Remove this account, If you refuse to remove this account from my credit file, my lawyer will be advised to move forward with a civil suit against your company. I will bring this information forth to a judge in my area, section ( 609 ) of the Fair Credit Reporting Act, states that all information listed on a consumers credit file, must be 100 % accurate.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I had my information stolen it was leaked and used by someone other than myself.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
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: I have a loan with SANTANDER CONSUMER/XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
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: Dear Sir/Mam submit by XXXX XXXX for XXXX XXXX XXXX VIN # XXXX Account with lender # XXXX against /Stander Consumer USA My name is XXXX XXXX I purchase my XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX in XXXX . the dealer register my car at the sate of XXXX. I moved from XXXX on same month XX/XX/XXXX Because the Covid 19 Which cause losing my job there to sate of XXXX. Now I live in XXXX XXXX since XX/XX/XXXX. I tried to call and contact my lender Stander Consumer USA, to change my XXXX title to state of XXXX. and After i checked with the XXXX DMV I faxed and mailed to Stander consumer the form request from XXXX DMV requesting the lender to send the original title to XXXX DMV mailing address to start the transfer process. I did the previous action on XX/XX/XXXX. And at each time i get hard time with my lender Stander Consumer USA to help at my request. I now almost keep calling them every week to follow up but I could not find any help on my concern to transfer my car title to XXXX
Company Response:
State: OH
Zip: 43119
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX TX XXXX received Multiple Debt Validation letters. No response from the parties notice of default sent out Tender of payment sent out with 72 hours to respond no response sent out 10 day reminder send out 20 and 30 day notice of default and abandonment of vessel with foreclosure documents signed by state agent with invoice and fee schedule vessel donated to a trust and was stolen XX/XX/2020 at XXXX XXXX. Vessel taken by XXXX XXXX with XXXX XXXX XXXX XXXX Tx XXXX XXXX ) XXXX ( XXXX ) XXXX Vessel Belongs to XXXX XXXX XXXX XXXX and is filled and lien on XXXX Agreement with Secretary of State of Texas XXXX Secretary filing # XXXX the vessel is in the security agreement
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A