Date Received: 2020-08-11
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have an unauthorized inquiry on my credit from Chrysler Capital. I demand to know the name of the individual that submitted this fraudulent inquiry into my credit so that I can refer them to the local police for prosecution. This inquiry is fraud.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had opened a loan with Chrysler Credit had paid extra payments through out the loan term. At one point during the term I questioned them on how they were applying the extra funds I had submitted and they told me it was going to the term of the loan. Which made no sense. Things got really messy when I ask for a one month extension they put two on there and when I asked why they said that was policy they put those two on the back of the loan. Then when the payment came due they showed it 60 days. At one point I feel behind and they took the car. I had to get it back and paid that ridiculous amount. This car has been paid off but what they are showing is unreasonable fees.
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2020 I was made aware of fraud in regards to the dealership that I bought my car from.I am asking for ALL documents in my file. without being tampered with to be reported to me. If this matter is not cleared within 30 business days, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessarily high levels of risk through high loan-to-value ratios, significant backed fees, and high payment-to-income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Nonetheless, due to fraudulent activity with the dealership and mishandling and deceptive servicing practices from BOTH parties I am still paying on my vehicle and the total payout is not going down. My payment is extremely high and I am asking Santander to release me from all financial and legal obligation for this deceptive servicing practices and DELETE all information from all consumer reporting agencies and three credit bureaus. XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
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: Santander Consumer USA purchased my auto loan from Gateway One Lending in XXXX, 2020. They claim to have sent my new account information on XX/XX/2020 but possibly due to Covid issues I didnt receive the mail until XX/XX/2020. In XXXX I began trying to catch up on the payment that fell behind during the lag time between the sell of my loan to when I received new account information. Santander could not provide me with payment or account info during this lag time but my payment was still noted as past due. Their website had inaccurate information & when I asked a customer service representative about the {$1000.00} difference he replied, the website just does that sometimes. I had two payments left on a 5 year loan when Santander purchased it from Gateway One. I made a verbal agreement on the phone to pay off the full balance on XX/XX/XXXX. When I called to make that payment for {$1500.00}. I was informed that the loan had been charged off on XX/XX/2020. I have screenshots of their website showing that the payoff was good until XX/XX/2020. The balance on the website was also inaccurate on that day as it said over {$2000.00}. Again, the customer service rep couldnt explain the discrepancy. He advised me to pay the {$700.00} settlement and I did so against my wishes. I had 5 years of 98 % on time payments & now my credit is destroyed & I have been denied a lease on a home. Because of the final two payments after they bought my loan. I requested to have the title held for one week as I was moving out of state, this was not done & now the title is lost. They have promised me a release of lien via email but that was a week ago & it hasnt happened. This is a disorganized, fraudulent & predatory company. I hope to see some justice for myself & the dozens of Gateway One customers this just happened to. I read many reviews exactly like my story on XXXX Thank you.
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: I was interested in possibly purchasing a XXXX XXXX. I filled out a pre-approval on Chrysler Capital 's website to see if I'd be approved for a loan. Part of that process required me to select a dealership. I selected XXXX XXXX XXXX XXXX since they're the closest dealership. I never authorized anyone to run my credit, and I ultimately decided to wait a while before purchasing a second car. I had an inquiry into my credit from Chrysler Capital despite never authorizing anyone at anytime to run my credit. Chrysler Capital is saying that the inquiry was initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX got my personally identifiable information from Chrysler Capital . I want to know the name of the person who initiated this inquiry into my credit. This inquiry was unauthorized and is fraudulent. I intend to file a police report and press criminal charges against the individual and companies that allowed this unlawful inquiry into my credit to take place.
Company Response:
State: PA
Zip: 17603
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I had leased a XXXX XXXX XXXX from XXXX XXXX on XX/XX/XXXX. The car never made it home and stopped on my way home, requiring me to charge the car before I can get home, after having asked numerous times if the car was charged and had enough for me to take it off the lot and make it home ( which was about 10 miles away ). The car was back in the shop for a few reasons a couple of days later and stayed there for a month. When going to pick up the car, the issues were not fixed and they had to keep the car even longer. The issues were on going for the 3 years of the lease. The staff was never helpful and/or courteous. Excited to have the lease completed and return the car along with all the issues and stress it has cause my family and I. We had the inspection completed on XX/XX/XXXX and the car returned on XX/XX/XXXX. Prior to returning the car, I called Chryster to ask what steps needed to be taken to end the lease and return the car. She said : A. schedule an inspection of the car. B. Return the car and C. Get the release of liability I asked her if I owed anything or needed to pay anything. I was told no, that I was up to date with the payments and no additional payments needed to be made. The inspection was completed on XX/XX/XXXX. Called and made an appoint to return the car. When I arrived at the dealership, they didn't even have my appointment, the manager did not want to speak to me or address the matter in any way. Directed the staff to check the car, take the keys, and give the release of liability. Very rude and disrespectful. I asked if I needed to pay for anything or if anything else needed to be done, I was told 'no ', that this was it and I was done. Seven months later, XX/XX/XXXX, I receive a phone call from Chrysler/XXXX, threatening me to take me to collections because I owe them {$500.00}. Shocked as I have not received a bill, an email, a letter, or a phone call. All of a sudden, I owe them money and they are taking me to collections. Asked to speak to a manager and have this escalated, I was told that I would have an executive manager call regarding our concern. I did receive a voicemail later, from someone saying that they are XXXX from Chrysler executive. When I returned the call, they refused to transfer the call to XXXX ( no last name ) and when asked to have them call us back after XXXX, if possible. The response we got back was no, he is too busy to call back. They are too " busy '' to take care of a concern/compliant. However, my wife and I have been taking time off our work to answer the phone calls and address this matter on our end. They have no organization. I have yet to see a bill even after being asked to send us the bill they claimed we owe, we have not received anything in writing. They couldn't even validate my address they had on file, they had my mother-in-law 's address for some reason, they could not explain how and why they had that address. No mail was ever sent their either. They did not even have our address that we had at the time on file ( it has since changed and we provided them with the updated address ) along with both mine and my wife 's phone numbers to call either one of us if the other one does not answer. We have done everything we can on our end to solve this matter and have our concerns address, yet no one seems to care to call or send us the information asked. Other than threatening to send us to collections or they might have already, but yet too busy to address a customer complaint. Nothing less than what we have been dealing with since the beginning of this lease. Please help us resolve this matter.
Company Response:
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I discovered back in XX/XX/XXXX that a lawsuit was won by my State Attorney against Santander and consumers whok had loans or have loans with them from XX/XX/XXXX to XX/XX/XXXX as well as repos. My vehicle was repo in XXXX XXXX. I called Chrysler/XXXX ( the original loan owner ) as well as the current company the loan was sold XXXX XXXX both companies were called 3 weeks ago on XX/XX/XXXX asking about the information about the loan being removed on my credit report due to the lawsuit and me no longer oweing anything due to the Santander Settlement and both companies act as though they didn't know what I was talking about.
Company Response:
State: LA
Zip: 70003
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chrysler Capital is still showing up as an open account for a lease that was closed in XXXX. It was a 39 month lease that began in XXXX of XXXX, which was subsequently closed in XXXX through an early trade-in to XXXX XXXX XXXX. The balance is paid in full, but it still shows up on my credit report. I need this information corrected before I apply for a mortgage loan.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: An advance payment, was sent and they changed the payment date.to XXXX XX/XX/2020 and the first payment was sent XXXX 16/2020.and they still charged more interest. and they do not give me an answer as to why they changed, the date to. The XXXX of the each month to XXXX & XXXX of each month and that is why they charge me more interest and they have not communicated with me. I just need you to answer.me why you are with more interest and why the dates changed. ,
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
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. 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, and SANTANDER with no successful resolution. There was definitely an error on their part.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A