Date Received: 2019-12-15
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 whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As a result of two errors I missed three payments. After trying to fix these errors it seems their online system had a bug and did not retain saved autopay information. First : after making payments, I had thought I had set up my account on auto pay. I had not and thought I had made a mistake setting it up. But after setting it up again with the help of your online chat, it was set up and showed properly. Then, a few hours later, it has disappeared. I believe this is exactly what happened before. Second ; the address on file for me was incorrect and I was not receiving any notices of the account being past due. I do not know how the dealer got an old address for our account, but it must have come from me. It was not the address on my drivers license, but I dont know where else it could have come from if not from me. Once the credit report was filed and I saw the drop in our credit score I corrected the missed payments immediately.
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2019-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My situation is Santander Consumer USA negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in MyFICO app and other report providers.
Company Response:
State: OR
Zip: 97401
Submitted Via: Web
Date Sent: 2019-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report says Santander Charged off a car purchased in 2015. I was XXXX in 2015 in XXXX in the XXXX XXXX. This can not be my account.
Company Response:
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2019-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated daily calls. My phone has rang up to 6 times per day even when the collection agency has left voicemails. We have received excessive calls even when asked not to call so much and I receive excessive calls all day. This company has a call center in another country that does not know our collection laws which they admitted and stated they can call aLL DAY IF THEY WANT TO.
Company Response:
State: NV
Zip: 89406
Submitted Via: Web
Date Sent: 2019-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Chrysler Capital has been taking my payments and applying them to the interest on the loan and very little -- if any -- has been applied to the principal of the loan. Additionally, over my objection and repeated complain to management, they took a few of my payments -- two to be exact -- and applied them to a repossession fees, which has offset my payment and has creates an impression of late and or missed payments. This action further damages my credit score as late and or missed payments are repeatedly reported to the credit bureau by Chrysler. Overall, it appears to me that Chrysler Capital is making a willful and deliberate attempt to undermine my credit score by their unscrupulous practices.
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2019-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-11
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/2018 I went to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX. I was totally upfront and honest. I told them I had just been dismissed from a Bankruptcy and I was looking to trade my existing car ( XXXX XXXX XXXX ) for something less expensive. I wanted to trade the explorer to have it paid off and have a lower car payment. They agreed to take the explorer as a trade. They sold me a XXXX XXXX XXXX. I had been at the dealership for hours and by the time we signed the paperwork it was after hours and the dealership was technically closed. I didnt see my car on the paperwork as a trade but I was tired and frustrated and signed the papers anyway. I left my XXXX XXXX with the dealership with both sets of keys. About a week later XXXX XXXX XXXX called me and inquired about the payment, I then told XXXX that XXXX XXXX XXXX XXXX XXXX took it as a trade and to contact them. XXXX called me back later that day and stated that XXXX XXXX XXXX XXXX XXXX XXXX did not take it as a trade and that I needed to make a payment. I told XXXX I was going to XXXX XXXX XXXX XXXX XXXX XXXX and talk to them. I went to the dealership to inquire about my XXXX XXXX, the manager told me he didn't take it as a trade, I asked where was my vehicle and he said he didn't know. I called the dealership several times during the day asking different people and no one knew where my XXXX was. I went back up there to talk with the manager of the dealership and he walked around the entire dealership inside and out looking for my explorer knowing full well he had it towed away. I recorded the entire visit. I talked to XXXX XXXX XXXX and relayed this information to them. They suggested that I file a police report. The next day I went back to XXXX XXXX XXXX XXXX XXXX XXXX and waited for a police officer to arrive so that I could file a police report. Once the police arrived the same manager that told me he didn't know where my XXXX was came forward to say the XXXX was towed away a week prior. I said if you weren't taking it as a trade why would you allow me to leave it there, accept my keys and then have it towed away?? Why wouldn't you just tell me you didn't accept it as a trade. I had to go to XXXX XXXX to an old lot to get my XXXX back. The owner initially said it would be {$750.00} for towing and storage. After I told him the situation he said he didn't want to be a part of that situation since it sounded like the dealership wasn't honest so he only charged me {$250.00}. After getting my XXXX back I called Chrysler and explained to them everything that happened. They escalated my complaint and said they would have someone review it. However, it was to no avail. They said I would still have to pay for the XXXX I was sold. I then told Chrysler that I could not afford to pay for a new XXXX in addition to my XXXX plus full coverage for both vehicles so I would have to voluntarily surrender it. They sent someone to pick it up. They told me it would be sold at auction and I would responsible for the balance. Later I received a letter that the vehicle was sold and I was responsible for the balance, I tried to pay what I could but it wasn't enough and the account was closed/written off and sold. I have received a letter from current creditor XXXX XXXX XXXX XXXX stating that the original creditor was Santander ( I have no knowledge of Santander ) and the account name is Chrysler Capital saying that I owe them {$7900.00}. I can not pay this, it has already put a huge dent in my credit and I do not have the money to pay this debt. Can you help me???
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2019-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I contacted my loan provider and made a payment a few months ago. i was late so there was a late fee and the agents on the phone asked me if i wanted to pay the late fee. i told them i did and my card was charged for the regular payment amount plus the late fee. this happened a couple more times, making a payment late and adding in the late fees to the regular payment, in a row untill i noticed the late payment fee was really big. when i asked the agent why the fee was so large i was told that the extra payments had been going to the principal not the late fees, the company policy was to apply any extra payment when a payment is paid late to the principal. every time i called i was asked if i wanted to pay the late fee which i said i did. i was never told that the payment would not be applied to the late fees, in fact they asked if i wanted to pay the late fees knowing the payment extra would not be applied to the late fees. i spoke to a supervisor to ask that the payments i intended to be applied to the late fees be reallocated from the principal to the late fees owed, but was told they would not be doing this.
Company Response:
State: TN
Zip: 37830
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A