Date Received: 2020-06-22
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: Car was paid off in full, they were sent over payment. They kept overpayment on a closed pair in full, had the money since XXXX, its almost XXXX never got contacted about it. Contact them says it no check after I have check number an date they cash it, now they see it an be sent out. Still have not received. Called said it was never processed
Company Response:
State: NY
Zip: 13905
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on the date of XX/XX/2020 there was an inquiry made by XXXX XXXX on my credit report that I did not authorize. I disputed it, and i attempted to reach out to the creditor in hopes of solving this problem but to no avail. on the date of XX/XX/2020 I received and inquiry from Roadloans on my credit report that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail. On the date of XX/XX/2020 i received an inquiry on my credit report from XXXX XXXX XXXX XXXX that I did not authorize. I disputed it, and I attempted to reach out to the creditor in hopes of solving this problem but to no avail.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: CHRYSLER CAPITAL SHOULD FACE LEGAL, CLASS ACTION CONSEQUENCES FOR DAMAGING CONSUMERS DURING COVID-19 PANDEMIC. Our family makes its living from the Corporate Travel business, which was completely shut down due to the government travel bans locally, nationally, and globally ; as well as, stay at home orders due to COVID-19. At the inception of the pandemic, we immediately and proactively reached out to our creditors, citing a willingness to work together in an equitable fashion, to try to meet our obligations. We expressed how important maintaining our credit standing would be, so we could attempt to sell our home to get to equity. We also suggested an abated payment period with accrued interest and a balloon at maturity. Our multiple calls to Chrysler Capital ( which are recorded ) fell on deaf ears, and our credit report reflects delinquencies, now causing us declines for loans that would assist us in downsizing our expenses. Chrysler Capital never offered any assistance, and placed numerous, hounding collection calls. Now we are met with 30, 60, and 90 day delinquencies posted and our credit score and comments damaged. We have expressed that we are still willing to work together, and have also cited that under Texas Law, contract frustration, impracticability, impossibility, force majeure, and government intervention are all defensible, which, if we don't receive some sort of partnering effort, will be invoked to render the contract obsolete. Many of our creditors have been empathetic, and have abated in equitable fashion, and have noted our account as always current, and affected by natural disaster. Please force Chrysler Capital to work with consumers to get through this. We are all in this together!
Company Response:
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently spoke to a manager names XXXX regarding my account with Santander for an auto loan. We own a XXXX XXXX XXXX that we have a loan with them through. We had fallen significantly behind on our monthly payments due to Covid 19 and a personal family issue. I spoke with an agent to inform her that our goal was to try and begin getting the account caught up. We were prepared to make a payment of {$1600.00} to avoid repossession. I also stated that our account had shown as charged off since XX/XX/XXXX, the first time we had significantly financial hardship. Having the account show charged off has impacted our credit substantially. I asked her to update our credit profile once this payment was made as the account is NOT closed as it shows on our credit report. She said it was against company policy and that the only way to have it report or updated was to pay of or settle the loan. I requested her to reconsider as we were doing our best to catch up and she declined. I then asked to speak to a supervisor, XXXX. He said the same. Under NO circumstance would they report on time payments going forward and the account would remain in charge off / closed until it was paid off or settled. I said that I did not believe it was fair as they are continuing to receive my money and that I have more to risk on my credit report if I fall behind again. He said he was unable to change his mind. I was then alerted that I needed to pay {$2800.00} to keep the car from being repossessed. I asked for the tow truck company information and intended to call then until my wife calmed me down and suggested we just pay the amount. So, Friday I paid over {$2800.00} to bring our account current on a loan that shows charged off / closed with a bank that refuses to report it properly to the credit bureaus. How can they leave it in that status if they are continuing to accept my money? How can they call it closed or charged off if they accept my funds still? I would like them to update my report going forward to show the current status and status going forward. I do not believe this is fair treatment of me as a customer and do not believe that have a right to refuse to report this while leaving inaccurate information on my report. I am formally requesting they update the account to show current and future payments OR they remove this listing from my credit entirely.
Company Response:
State: CA
Zip: 96003
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a new vehicle at XXXX XXXX XXXX XXXX. I signed all this paperwork and they gave me a hard to read triplicate copy. After two months of not getting my license plates, I went down to the California Department of Motor Vehicles and discovered that all the contracts had an address that doesn't even exist, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My address at the time was XXXX XXXX XXXX # XXXX, XXXX XXXX, Ca XXXX. I happened to have ordered personalized plates so the DMV to comply with the temporary plate law assigned that personalized plate to my vehicle, a XX/XX/XXXX XXXX XXXX XXXX and told me that the plates were probably returned to the dealer. So I called the dealer, which transferred me to the " DMV DESK '' and never got back to me. I went back to the DMV to try to find the plates and to this day, I do not know where they are at and the DMV offices are closed due to COVAID. I have been on hold for hours with the DMV trying to get an appointment somewhere because I do not want these personalized plates on my car. I told SANTANDER that I never lived at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX and why do we spend so much time underwriting a loan where they are receiving 24.19 % interest rate but can't assist me in finding the plates. Why wasn't this contract mistake discovered at funding? Isn't that something to underwrite besides a consumers income, assets or REG B? Its on everything, even the GAP insurance contract. NO ONE CAUGHT IT, TO THIS DAY. I feel like the collection calls are unfair and I am not going to make any payments until I get the license plates due to your error.
Company Response:
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I TIED TO BUY CAR AT XXXX, THEY GOT APPROVAL FROM XX/XX/XXXX XXXX AUTO FINANCE WHICH ENDED A A LIE. THEY ALSO, PULLED MANY OTHERS I DID NT AGREED TO. SOLF PULLS ONLY
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Hello i filed for bankruptcy chapter XXXX and i was discharged so i called gateway one financial services and volunteer surrender the vehicle that was purchased XX/XX/2017 account number XXXX. This contract was between me and Gateway one and was discharged in my chapter XXXX. I never signed reaffirmation contract to continue paying the debt. Now im receiving this letter from Santander Consumer USA attempting to collect the debt when this debt was discharged. I never agreed no reaffirmation contract or clause and this is affecting my credit santander has put a derogatory remark and i would like this to be removed. I called there office provided case number and they said you're correct you have no legal obligation to this and i still see my credit being affected. I need santander to start doing business right and removed me from this account number and stop sending me mail. i never signed anything with santander. I called santander with the same issue over 7 times and they dont undertsand im protected by bankruptcy law.
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: SANTANDER CONSUMER USA Last reported XX/XX/2020 {$15000.00} Reported balance
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: i purchased XXXX XXXX XXXX from dealer in XXXX and was told I had to take a loan and I could pay off within next 30 days. When I attempted to pay the loan I was told i could only pay {$2000.00} a month toward loan. I made many attempts online to make full payment but chrysler finance online will not allow it. I called and did not get any response. Finally chrysler told me this limitation is to protect fraud. The loan papers i signed did not specify {$2000.00} payment limitation per payment. I have paid off loan last month since it was about {$10000.00} in {$2000.00} increments. I have not paid intrest of {$100.00}. Chrysler is now threatening to report me to credit bureau and not release title. Due to covid Chryler does not answer phone and fails to provide contract copy..
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all XX/XX/2020. The 1st done on XX/XX/2020 is from Roadloans.co? 2nd XXXX- XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.
Company Response:
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A