Date Received: 2020-09-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Documentation from the lender was sent over to get signed and authorized for an extension to pay the monthly bill due to COVID-19 relief. The document was signed on XX/XX/2020, and returned to the lender. Per the document the following months were going to be extended : XX/XX/2020 XX/XX/2020 A few months later the lender reported to the credit bereaus that there was a missed payment for the month of XX/XX/2020 affecting my credit to drop several points. I sent the lender a letter to dispute the reported information, but did not hear back, so I submitted a Transition dispute, but nothing got resolved unfortunately. At this point the payment has been on time.
Company Response:
State: AR
Zip: 72756
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My former auto loan account Santander is being reported almost 10 years after the date of first delinquency and it should have been removed in XXXX. According to the FCRA the account is to remain on my account 7 years from the date of first delinquency. I requested an entire copy of my payment history from Santander. The account was first 30 days delinquent in XX/XX/XXXX which means the date of the removal from my credit report should have been XX/XX/XXXX. The company is only reporting from the year XXXX forward to the credit bureaus. I have attached a full payment history of the entire account from account opening in XXXX to account closing in XXXX for review. Your agent XXXX confirmed the date of first delinquency on XXXX with me via phone.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Chrysler Financial had my vehicle repossessed on XX/XX/2020. The requirements to get my vehicle back were a payment of {$2500.00} and proof of insurance in 20 days. I paid Chrysler financial on XX/XX/2020 and showed proof of insurance. Chrysler Financial failed to process my release in a timely manner to XXXX XXXX, the third party vendor who needs to release my vehicle and who hung up on me multiple times from XXXX before they closed which resulted in my being unable to get my vehicle back the day I was entitled to get it on XX/XX/2020. Neither company is taking responsibility and illegally have my property.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt is being reported as a car repossessed in my credit report when what actually happened was that this car was totaled by Hurricane Irma in XX/XX/2017, and the amount that was still to be paid on the loan was paid by progressive insurance
Company Response:
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I keep being sent notices over a debt that is not mine. I was a co-signer for an auto loan of over 13 years ago. These people keep calling me and sending notices that they are going to take action against me. Mr. XXXX from Settlement Dept.
Company Response:
State: TX
Zip: 75042
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Chrysler Capital was paid on XX/XX/2020 for the full payoff of the lease. They refuse to close out the account, which is causing my credit bureau to show an open auto loan. My wife is not able to purchase a vehicle because of this.
Company Response:
State: OH
Zip: 43040
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Continuation of XXXX with new information. Chrysler Capital 's negligence and unwillingness to help such a simple issue is astounding. Basically, they can't answer any questions I have about numerous inconsistencies surrounding their auto-pay registration and the subsequent online billing/notifications/etc. - however know unequivocally they aren't at fault. Speaking with their reps is at best condescending and at worst flat out impossible as they loop back to the same tired narrative of " you should know ... '' Auto-pay was setup on my side, they claim I should have known I didn't receive an email stating it was setup. However they also claim they won't send an email if it didn't go through (XXXX ). The account had a double payment setting up the auto-pay on XXXX however they claim this in no way shows my attempt to setup auto-pay and stated perhaps there was a bank issue. Knowing that is not the case I phoned my bank who confirmed and also stated they field questions about Chrysler Cap. often - which matches my experience from other parties as well. Chrysler Capital uses XXXX XXXX for payment processing which has countless documented issues, yet CCap will inform you they are absolutely not at fault. CCap can't answer any technology question surrounding all of the supporting evidence to my claim regarding they are at fault for not completing the auto-pay and instead simply state back it is my fault. You can't setup auto-pay via a rep on the phone, you can't get into the auto-pay online in any capacity except a single button to enter and it would be almost impossible for a consumer to XXXX this up. CCap also didn't ever ping the bank account and didn't send me any electronic information in any capacity until this Tuesday including a payment conf. from end of XXXX. When asked about these inconsistencies they won't answer, but instead claim you can go online to see billing statements. Again, not the issue - they will not address how all of this supporting evidence shows the auto-pay and correct the XXXX late payment they reported, but instead continue to say " you know you had to pay ... '' It is infuriating to speak with anyone in this company - they also claim they don't do " courtesy '' adjustments to the credit bureaus. This is not a courtesy request, this is absolutely obvious the auto-pay was selected via their website and they are at minimum partially if not wholly at fault for a variety of complimentary reasons. Instead, they continue to condescendingly claim I should have known I had to make payments ... ( XXXX XXXX XXXX ) not the issue! When asked for further supervisors they blind transferred me into a VM. Awesome. When asked to have this investigated ( rep couldn't answer technology questions ) by tech she vaguely said they could look into it. When asked about response time, how that inquiry would be handled, etc. - just same tired brush-off line " I will ask them to look into it ... '' We ALL know what that means. Chrysler Capital 's own reps state and know the system they have is far from customer friendly. Their system limits customer input and locks customers out for a variety of reasons as well ( can provide facts around this ) and otherwise forces them into a pay for convenience feature if you don't interact perfectly with the limited website functionality. Calling their reps is a disaster and therefore the fees generated by forcing customers into the pay portion of the funnel also demands CFPB investigation. It is obvious to me there are a lot of things wrong with this company. CCap must retract in writing and correct any/all credit late reporting on this account. That much is the least they can do. Further, it should be investigated how the late fees and penalties are assessed on a enterprise level. After discussing this with many parties it seems where there is smoke there is fire. I offered CCap the opportunity to make this correction multiple times, but instead they want to argue semantics or take the disputed claims off track entirely by answering issues I don't even have nor have asked about. Evasive at best, flat out perpetuating a fraud at worst. It is clear the CSR 's have no ability to make any meaningful resolution and instead say " someone will call you back in 48-72hrs '' for virtually any question. This is beyond unacceptable and those calls don't always come ( prev. personal experience on this very account ). So, again, CCap needs to correct the credit reporting issue they caused by their online auto-pay registration system issues ( even as they say they see no issues ) all supporting evidence clearly shows the intent and opportunity was there and I absolutely interacted with the system. No emails or notifications in my online portal to say otherwise, no billing statements sent to me other than this week ( which they deny, conveniently ) to state otherwise, and no answer of any kind to the rampant inconsistencies they show in the portal, online system tracking, and my own emails received from them. Simply " not our issue. '' CCap needs to own up as it is clear they are not innocent in this issue. They must retract the credit reporting lates their system caused and that can not be remedied or any answers received by them.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander XXXX This account is current however, it is being reported as a Charge off with a past due balance of {$11000.00}. These statements are FALSE and preventing me from getting the credit I deserve. I have contacted Santander several times and do not get an accurate response or update.
Company Response:
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I got a new car loan with Santander Consumer USA in XXXX of XXXX, initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to Santander Consumer USA and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XXXX of XXXX a while after I got stationed in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.
Company Response:
State: VA
Zip: 23606
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
Company Response:
State: WI
Zip: 53206
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A