Date Received: 2020-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX and XXXX XXXX ( co-signer ) are on the lease ; account number XXXX, monthly payment {$490.00} XXXX XXXX XXXX XXXX, end date XXXX XXXX. At the time there were two accounts with Chrysler Capital. Payments were being made on time on both accounts. Prior to the lease coming to an end there was a dispute as payments that were being made were being applied to the wrong account creating the lease to report delinquent when it was not. Several calls were made in XXXX to Chrysler Capital to investigate and make whatever corrections needed to be made as the lease was being turned in and a new vehicle was being leased with no issues. Each time a follow up call was made the process needed to be started over again to no resolve. Now we are in XXXX and trying to take out a loan, this XXXX XXXX is still reporting OPEN ( when it is closed ) and it is paid in full! This mark is preventing the co-signer XXXX XXXX who is a veteran of the XXXX XXXX and retired XXXX Police Detective from getting a loan to put siding on his home because he is not able to paint his house anymore. Chrysler Capital is damaging his credit score yo a place that he is struggling, a XXXX XXXX and retired cop! At present CHrysler CApital is misappropriating funds and not reporting exact payment amounts in the online account portal of three vehicles : Account, Numbers are- Account # XXXX, Account # XXXX and Account # XXXX. Three payments in the month of XX/XX/XXXX alone have not been reported appropriately. Chrysler Capital has done considerable damage to the credit reports of XXXX XXXX, XXXX XXXX, XXXX XXXX.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I was 2 months behind on my car payment due to a shutdown of my. Job related to Coronavirus. When I received my Stimulus Check, it was used to pay my missed car payments. I have emailed Santander Bank numerous times asking for a lower interest rate and lower payment amount, Well Santander reported me to Credit Bureau and stated I was 30 to 60 days late. I have paid my car on time of {$330.00} per month for 3 years and the remaining balance I owe now of {$4000.00} is interest payments.
Company Response:
State: CT
Zip: 06451
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/2020 payment of XXXX $ was submitted to Chrysler Capital as a settle in full offering and was advised that this will be deleted from my credit report since the account was considered Paid In Full.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2020-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX, I took my XXXX XXXX XXXX financed through Chrysler Capital to XXXX XXXX XXXX for a trade-in on a newer Jeep. On XX/XX/XXXX, my wife contacted Chrysler Capital at XXXX XXXX to inquire why the account for the XXXX XXXX XXXX financed with Chrysler Capital had NOT been paid-off. Representative XXXX claimed the {$21000.00} check from XXXX XXXX XXXX never arrived ; said representative claimed an investigation would be launched. Later during that phone call with same representative, we were informed that an amount of $ XXXX was credited to the account and the pay-off came from XXXX XXXX. Upon further insistence, XXXX transferred the call to a supervisor by the name of XXXX XXXX. Mr. XXXX did not believe XXXX XXXX XXXX had, in fact, remitted the payoff check to Chrysler Capital and requested a copy of said check but refused to contact XXXX XXXX XXXX directly. My wife, while still on the phone with Mr. XXXX, drove TO XXXX XXXX XXXX and had the finance department verify by way of a fax sent to Chrysler Capital, that the check for the payoff on the XXXX XXXX XXXX had, in fact, been remitted by way of XXXX on XX/XX/XXXX at XXXX. Mr. XXXX, upon hearing that, authorized a reversal of the incorrectly applied $ XXXX to my account and we were told, once the XXXX XXXX XXXX 's check was located, my account would be settled and closed. On XX/XX/XXXX at XXXX XXXX, my account is still showing a balance of over $ XXXX. We call Chrysler Capital again and request this now be escalated to corporate. We are told, the check has not been delivered. Again, XXXX XXXX gave us a copy of the XXXX delivery on that check to Chrysler Capital, signed by a XXXX XXXX. On XX/XX/XXXX, a XXXX from Chrysler Capital corporate office ( so he claims ) calls to request the contact information for XXXX XXXX XXXX and states he will be requesting a new check for the payoff as well as a stop payment on the original. He furthermore stated this would all be resolved the week of XX/XX/XXXX. On XX/XX/XXXX, my account with Chrysler Capital is STILL showing a balance of over $ XXXX.
Company Response:
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: To whom this may concern I am a co-signer on a vehicle with Chrysler Financial. the primary borrower was late on a payment and did not inform me or I would have resolved this matter myself. Furthermore, Chrysler Finacial did not let me know that this was happening either. When I spoke to customer service on approxXX/XX/2020, it was discovered that Chrysler financial did nor have my correct information on file as they claimed that they attempted to reach out to me to inform me of this delinquincy. I have had multiple conversations with the customer service team at Chrysler Financial and there answer is that they hold no accountability for reaching out to me to let me know that the account I was a co-signor on was delinquent. The results of their dereliction of duty towards me as a customer is a decrease to my credit score and a derogatory mark that will last 7 years. I am asking that Chrysler remove this late payment from all credit agencies immediately and create new guidelines to treat and communicate with co-signors in the same manner they communicate with primary borrowers. on XX/XX/2020, I spoke with Mr XXXX XXXX from the Exec office/Office of the president and he advised me to reach out by mail to the Chrysler Capital credit Bureau Dispute office and initiate/follow up on this dispute with them. Mr XXXX also requested that I email him this information as well. I have advised Mr XXXX of my reaching out to the CFPB regarding this matter as well.
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I lost my job on XX/XX/2020. Last week I requested to defer payments for my car loan and was approved to defer the next payment to XX/XX/2020. The lender send me an email confirming this on XX/XX/2020. This morning XX/XX/2020 the lender submitted a debit against my checking account for the payment that was scheduled for XX/XX/2020. I contacted the lending institution to inquire and they advised that while I was approved for an extension of the due date the auto pay function in their system had not been disabled and had to be requested separately. On XX/XX/2020 I requested to have the auto bill pay functionality turned off. The lending institution advised I would have to dispute with my bank. Note : When the request for an extension of due date was made verbally the lending institution did not advise that the auto bill pay function had to be requested to be disabled separately and the email received confirming approval of change in due date did not advise that the auto bill pay functionality had to be disabled. On XX/XX/2020 I contacted my bank to initiate a dispute and also put a hold to decline any future transactions from the auto lender ( which I will have to have removed when am able to resume payments ). My bank also advised this hold may or may not stop the current payment and if does not will have to wait 3 to 5 business days before disputing. I have no concerns with the handling by my bank. IMPACT TO ME : Currently I have XXXX XXXX available in my bank account. While I have filed for unemployment and am actively looking for work I have no idea when or how soon I will get any income. FEEDBACK TO LENDER - when an approval is made to extend payments your system should be able to recognize this regardless of if the consumer is enrolled in auto pay. You as a lender have an obligation to either 1. Ensure the auto pay function honors the new due date, 2. cancel auto pay without requiring consumer to request, and/or 3. Advise the consumer they must request to cancel auto pay.
Company Response:
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Hi I have been trying to come to kind of agreement with Santander I am sick this is preventing me from doing anything with my life these people say that when the car got repossessed it had damages etc and that was not true and they could not prove it and added more money to what it actually is the only reason I didnt keep this car its because of the fraudulent dealer I got it from called XXXX and they had agreed to pick the car back up. Please help me
Company Response:
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have never applied for credit in the years before. When i started to check my credit in 2017 i realized that someone was using my social security to work and to obtain credit. I filed a identity theft report. All accounts have been removed from my accounts that were not supposed to be there but 2. XXXX account and Chrysler capitol. I NEVER signed any paper work or obtained loans from these creditors. I asked Chrysler capitol to give me information on the person that obtained the loan. They didnt want to. They just kept saying that these are my loans. THEY ARE NOT. They didnt have any employer information, how would they give a loan to someone that didnt have a job? i need this removed from my credit NOW!!!
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Hello i currently have a vehicle that I feel like Im paying so much for it I feel so overwhelm I feel like the dealer just ripped me of for being a first time not that car is not even worth what I owe currently and the msrp for the car now is XXXX I would really like for someone to please help me get out this situation I been paying a high payment ever month and I think this is so unfair I tried getting in contact with the XXXX dealer and all they offer is for me to get a new car which I dont want to I want this resolve I feel so ripped of for the amount I already have paid the one I pay the car to is Santander consumer USA its a 2015 XXXX XXXX
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: 6 years ago in XX/XX/XXXX, we purchased a car and it was financed through Santander consumer USA. as of this XXXX the car was supposed to be paid off. When I made my payment in XX/XX/XXXX I was told I would receive the title in the mail within 90 days. My credit went up 34 points and it reflected a XXXX balance on my credit report. 2 months later this XXXX, I went to go look up my credit and it said new account " Santander consumer USA balance {$8500.00} - mind you we did not get a new loan, this was the same loan, so we called to try to find out what's going on, we were told that throughout the loan more interest was acquired and not paid off- mind you the loan was paid in full including interest at this point. We asked to speak to a supervisor who would not provide us with any further information. Now we are stuck with a car without a title with damaged credit due to this issue and a balance exceeding the actual value of the car. This loan company is apparently well known for this issue and has been sued many times. unfortunately we did not know of this until now.
Company Response:
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A