Date Received: 2020-01-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I leased my XXXX XXXX XXXX with Chrysler Capital. I was on autopay the whole lease. I did not change my bank information or modify my payments in any way. I spoke with Chrysler Capital on XX/XX/XXXX to ask how I can buy out my Jeep and nothing was mentioned about any late payment. I went to buy out my lease in XX/XX/XXXX and nothing was mentioned to me in regards to owing any money. In XX/XX/XXXX about 2 weeks after I purchased my car, I received an emergency alert from XXXX XXXX stating I missed two payments on my lease and my credit score dropped more than 70 points. I didnt understand what happened because I was on autopay and I never received any late notices, emails, or phone calls in regards to late payment. My statements were all paperless and went directly to my email for the full 3 years. I contacted the company several times and I was bounced around. Every time I called no one knew what was going on and I had to reexplain the situation. I was told to send a formal letter to a PO Box and an email in regards to my issue which was sent on XX/XX/XXXX. I didnt receive any response back so about 2 weeks later I contacted them again and requested to speak to a manager who said unfortunately theres nothing they can do and that its my responsibility to check that they take it out. He said usually they can fix the credit score but in my case they refuse to do so. I contacted a lawyer because I felt they were being bias and I didnt feel like I was treated professionally. I asked them to release my phone messages and they refused to do so. My lawyer told me they most likely do this all the time and to file a complaint with CFPB because there was nothing he can do because its technically my responsibility to check my bank statements. Its been a full year and Im still fighting to get my credit score back up. I was on my way to a perfect score and now with this error its extremely hard to get my score back. I am currently refinancing my house and I have explain why I missed two full payments. I was on Autopay with no missed payments for the full term until they stopped autopay unbeknownst to me. This company has poor practices and they refused to fix their error.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2019 late payment 30 days past. {$810.00} extension given but reported as late payment and no payment info since this occurred.
Company Response:
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: AS YOU ARE BOTH AWARE ARE BREAKING THE F.C.R.A. AND THE DODD FRANK ACT. I HAVE 13 XXXX XXXX XXXX ACCOUNTS THAT MUST ME RE-INSERTED BACK INTO MY XXXX CREDIT REPORT.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: TO ALL CREDIT FURNISHERS, ALL ACCOUNTS THAT SHOULD BE REPORTING ON XXXX, TO WHOM HAS VIOLATED F.C.R.A. 15 U.S.C. Section 1681g since XX/XX/XXXX must effective today re-insert the account back into transunion suppressed credit reports.or face class action litigation in XXXX.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I am complaining because when I got car it was used and they charged me high high interest rate and I'm almost done paying or I been paid alot I had the car since 2013 and it a XXXX XXXX and I'm paying XXXX and that's way to much to be paying the company or bank is Santander Bank and I feel like I'm being ripped off and they keep threatening me about repossessing my car when I been paying them and probley allready paid them off
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On or about XX/XX/19, XXXX XXXX XXXX appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from Santander showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I XXXX XXXX, Purchased a vehicle XX/XX/XXXX. A XXXX XXXX XXXX XXXX XXXX and was over charged. I paid XXXX for a vehicle that wasn't valued that much-its called ( USUARY ). ********** I literally am paying XXXX for this vehicle, if i pay XXXX to this rip off company. I was involved in a accident on XXXX XXXX and was not at fault. I was injured badly and the vehicle was totaled. Once everything was said and done i discovered that i had purchased GAP Insurance and was told that the dealer overcharged me for the vehicle therefore they will not pay anything towards the claim. Santander Consumer USA my Acct # XXXX has reported to all 3 credit bureaus i owe XXXX towards this vehicle which is incorrect. I would like all 3 credit reports updated and fixed showing this company being removed and marked paid in full.They legally got paid all the money for the vehicle and is trying to hold me hostage in this matter for another XXXX, the over charged amount. I want this removed off my credit file or marked as paid in full with all 3 credit reports.
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In the month of XXXX I had gotten very sick and fell into a hardship to maintain my financial expenses. This effected my credit score outstanding. I was late for my car note payments from santander for XXXX $ for 2 months ( XXXX & XXXX ) and I was released from work because of unjust behaviors. I had to start back working and doing 10 hrs plus over time a week just to catch back up on all my payments towards my Santander auto loan. Me being sick and missing work for those weeks hurt me a lot.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A