Date Received: 2020-02-12
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I purchased a new XXXX XXXX XXXX from XXXX XXXX in XXXX MT. I put {$20000.00} down & because I live a responsible life, I have not borrowed anything in many years. My credit score was XXXX w no history. They approved me @ 16 %. I agreed knowing I needed a few weeks to get the $ to pay the loan off. The 1st pymnt coupon was sent w the wrong address, but eventually making it. The pymnt is due XX/XX/2020 for {$610.00}, the principal balance was {$28000.00} & as of this statement dated XX/XX/2020 the payoff was {$28000.00}. I called today XX/XX/2020, was told the payoff was {$28000.00}. That is {$680.00} in interest before the 1st paymnt due date & {$480.00} over the statement amounts. I called the finance dept @ XXXX 3 times & a sales manager, waited on hold 15 minutes w no answer. Contacted my salesman, promising me a return call from a manager w no call yet. I called Chrysler Capital asking for a detailed breakdown & they were unable to provide. Please help. My account # at Chrysler is XXXX
Company Response:
State: MT
Zip: 598XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Formal complaint that is being filed for " Several matters '' in your county within voicemail. " XXXX - XXXX XXXX " ref : " XXXX '' is being left as call back. Paid debt for Santandair Auto Loan ( sp ) - have paperwork to prove. When I have answered the phone from this caller, stated to them it was paid and they said- Caller stated, " Bring it to court with you. '' and hung up. Continues to call for a debt that is not owed and is outside of the timelines to collect if it wasn't paid. Never has sent a letter. Never has offered a form of communication to show the debt has been paid. Phone number reports as : XXXX on caller id call back # is listed as : XXXX - XXXX XXXX ( Information Center ) not a debt collector? This company needs to be researched and fined.
Company Response:
State: OR
Zip: 97478
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
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: I paid off vehicle and have not received title. When I call to resolve issues they never help. Have sent documentation several times and no one there ever calls me or knows where it is
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/XXXX from XX/XX/XXXX until XX/XX/XXXX I've sent 4 different letters to the XXXX credit bureau demanding them to let me see verifiable proof ( an original consumer contract with my signature on it ) from Santander consumer USA .Because according to the FCRA section 609 ( a ) ( 1 ) ( A ) They are required by federal law to verify through physical verification of the original signed consumer contract- any and all accounts they post on a credit report. Otherwise anyone paying for there reporting services could fax mail or email in a fraudulent account. They never sent me a copy of the original signed contracts or deleted these accounts despite 4 written letters violating federal law. They always responded these accounts were verified and being reported correctly, but they never told me who verified these accounts or sent me any original documentation as required by section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ). Under section 611 ( 5 ) ( A ) of the FCRA they're required to promptly delete. The law is very clear as to the civil liability and remedy available to me if they fail to comply under the ( section 616 & 617 ) The Santander account is a XXXX dollar debt from XX/XX/XXXX written off with a XXXX dollar past due.
Company Response:
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2020 I tried to pay off my auto loan both online and over the phone. Chrysler Capital advised me in both channels that the only way to pay off my loan was to mail them a check. I am not comfortable sending such a large check via mail. I believe they are requiring checks via mail to discourage consumers from paying off their loans early. Surely in XX/XX/2020 sending large checks via the USPS is not the most secure means of transmitting payments, nor is it in the best interests of consumers.
Company Response:
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Santander did not try to resolve the issue. Someone had gotten my information and tampered with my lease on my car.
Company Response:
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2020-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Had issues with Santander Consumer USA last summer. We finally reached a deal and refinanced my loan. And I have made 7 consecutive payments on time or earlier than the expected due date. I feel like Santander did me wrong before I reached out to their Corporate Team and that is where a new loan restructure had taken place. I feel that I have proven myself that a little hiccup shouldn't put a customer/consumer relationship on the line. So I have a proposal for Santander
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A Loan for a vehicle was opened in my name with Chrysler Capital in XXXX Tx. I reached out to the company multiple times in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX informing them that this was not my account. I told them that I have never been to Texas and did not sign any documents. I had forms notarized by my bank during my fraud claim with the company to prove my signature and they said that I am still responsible for the loan. I tried filing a police report, but was told to get a copy of the records. I was told by Chrysler Capital that I can not have records that is in my name. This is complete fraud because I did not sign for anything. I also told them that I do not have a driver 's license and at the and at the time of the loan I only had a non-drivers license in NYS.
Company Response:
State: NY
Zip: 139XX
Submitted Via: Web
Date Sent: 2020-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Santandar Consumer calls my cell phone a minimum of 5 times a day. They call from different numbers and many times leave voicemails that are incoherent. Last time I spoke with them on XX/XX/XXXX, it was discovered that 2 months worth of payments that I in fact paid, were incorrectly recorded as default according to Santandar. I supplied the company with my bank statement, confirmation number and photographs of the electronic check. The second error they were/ are harassing me over is the initial payment on the loan. I explained as they well know that my first payment, as is fairly standard, was to be paid by XXXX, the vendor. I supplied them with the salespersons information, and reminded them they have the contract on file. Yet, they continue to call every 20 minutes every day, weekends included. Furthermore Santandar sent me a letter threatening to repose my vehicle on XX/XX/XXXX, XXXX XXXX. If I did not immediately pay them XXXX, the money they falsely believe I owe. In addition the interest rate and the absurd late payment policy has me trapped in a loan that will not allow me to pay down any principle whatsoever. They charge XXXX sometimes XXXX dollars for being even a day late. The interest rate coupled with this crippling policy has resulted in a years worth of payments with XXXX dollars to principal. I am losing money every month on the value of this car and no one will work to refinance with me because they have created such an unworkable situation.
Company Response:
State: AZ
Zip: 85737
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Santander Consumer USA has lied over and over again in their correspondence to the cfpb. They never mailed me any documentation at any time concerning anyting post repossession of vehicle. Allow me to set a few things straight and prove that Santander is XXXX ; Point one ; when I did the recording to repossess the vehicle I was told that I was not to pay any more money until I got proof of how much the vehicle sold for and what the value of the delinquency would be post sale. I was also advised that is 3 to 5 business days I would be contacted by somebody from the towing company telling me when they would come and repossess the vehicle. However, Santander negligently or maliciously did not supply the towing company with the telephone number and subsequently the next morning following the recording they were at my home repossessing the vehicle. Point 2 ) Santander turns around and charges the account off without giving me any opportunity to set up any sort of payment arrangements to keep the account in a non charge-off status. This just proves this Santander is out to ruin my credit and the multitude of class action deceptive lending practice lawsuits lend credibility to what Santander is doing to myself. Point 3 ) Santander states that they have sent me paperwork if they have no proof nor have they furnished and approve other than attaching copies of documents to their responses but yet they have no proof that they were actually ever sent to me which is convenient for this Corporation. I have continually ask them to correspond with me via mail in regards to establishing some sort of payment arrangements as I do not wish to communicate with them via phone because they're dishonest and they've shown that they can't be trusted especially when they tell me that I'll have three to five business days before the vehicle is repossessed and then they show up at XXXX XXXX. the next morning to repossess it ...
Company Response:
State: FL
Zip: 32127
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A