Date Received: 2020-08-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Chrysler Financial and the selling dealer have XXXX this account up since day one. Constant issues. Finally able to setup auto pay for XXXX payment and forward. No issues until I get a past due in the mail today XX/XX/XXXX showing no XXXX, XXXX, or XXXX payments made. XXXX?! Its on autopay, if there was an issue tell me in XXXX, or XXXX orrrrr anytime?! Same pattern of negligence and inconsistency since day 1. Every account rep has a different story, no information can be trusted, and nothing works.
Company Response:
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Chrysler Capitol decided to turn off the autopay on my lease for the last month which caused my lease payment to go late. After three years of auto payment with no distinct warning it was changed. I paid it immediately on late notification from my credit monitoring - no late information ( call/email ) from Chrysler. The company has removed the late fee for my account but refuses to remove the reporting to the credit bureau which is incorrect. Please correct my credit score as the late fee was acknowledged by Chrysler as incorrect and was waved.
Company Response:
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called Santander Consumer USA to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. On or about XX/XX/XXXX I called Santander Consumer USA 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. I have been trying to seek remedy with Santander Consumer USA and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated Santander Consumer USA is absolutely not going to remove the write off from my credit report.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
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 XXXX XXXX, XXXX/XXXX, and SANTANDER CONSUMER USA. 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, XXXX XXXX, XXXX/XXXX, and SANTANDER CONSUMER USA with no successful resolution. There was definitely an error on their part
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraud in my account
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Santander Consumer USA, was found guilty of using an Internal scoring system to trick consumers into getting car loans and charging a more than higher interest rates as high as 45 % in some cases. The Attorney General of California, has deemed the company guilty of fraudulent acts and business practices. The courts has fined the company over {$500.00} XXXX XXXX in restitution to be paid back to consumers who vehicles were repossessed in the first twelve months, and must remove any all negative items off credit report. Santander Consumer USA, is refusing to remove items, and pay restitution to consumer by stating no fault.
Company Response:
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: on XX/XX/2015 I financed a vehicle with Santander Consumer USA in the amount {$14000.00}. After over 5 years of payments I now owe Santander {$12000.00}. After XXXX payments on the account were paid I have paid a little over {$22000.00}, and somehow I still owe Santander {$12000.00}? This is robbery. By the time I'm done paying off this {$14000.00} vehicle I would have paid more than {$34000.00}. I have contacted them numerous times to work with them to reducing the interest rate. All of which has been denied. This should be illegal. I have tried to trade in the vehicle and finance with a different company to attempt to just get out of the loan and the cost would outway the worth. This company needs to be sued. They are theives and practice predatory lending. I would do anything to get out of this loan.
Company Response:
State: LA
Zip: 70508
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
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 XXXX XXXX, CHRYSLERCAP, and XXXX 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, XXXX XXXX, CHRYSLERCAP, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Company Response:
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: When covid 19 started I contacted Chrysler about payment assistance due to covid. I explained my increased expenses due to covid and Im a state employee on furlough for a year. They told me I was approved for the program and not to pay my bill. This is what I did and they reported me late. My dad is a co-signer on my car and reported late on his impeccable credit report. His credit score dropped 20 points. I called Chrysler several times between XXXX - present asking them to fix this. I have even written a letter to the address they told me to send it to. I also open a credit report inquiry with XXXX. It came back with no change. This is not fair at all. I know the Chrysler system shows my calls, approval for the program Ect. This needs to be corrected on my credit report and my dads. I will continue to pursue this to the highest levels until resolved. All agencies that dont assist in the resolution will he named. If needed Ill bring this to the news media. Stop taking advantage of people during covid! If you publish this remove my personal information or youll have a lawsuit on your hands.
Company Response:
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This was an account that was t XXXX XXXX, and appear that it was sold to Santander Bank, when I filed a Chapter XXXX Bankruptcy, they tried to collect a balance that was fraudulently as this was paid in full.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A