Date Received: 2019-12-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and Santander Consumer USA have reported late payments to the 3 credit reporting agencies. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My car was recently totaled. The insurance settlement was not enough to pay the balance owed and GAP insurance refused to pay because the value of the car was considerably less than the balance on the loan. I reached out to Santander to inform them of this issue to see if we could come to a settlement that is fair to both parties or have my payments lowered so that I can afford them, considering that I now have to make payments on a vehicle I now longer have.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2019-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Chrysler capital is my lender for a vehicle lease. Back in XX/XX/2017 I incurred a 30 day late negative remark due to a bit of hardship. Now 24 months later I've requested with the company to please remove the negative remark from my credit report based on goodwill and the fact that this was the only late payment in the 36 month history. I'm pleading the the negative remark be removed as you can see my current credit history shows my responsibility and ability to pay back. Chrysler Capital said it would be removed after 24 months but the remark is still showing on my credit report. I can guarantee that this lapse of judgment will never happen again, thank you so much for your time and understanding.
Company Response:
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2019-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2019 Dispute to verify debt with credit bureau XX/XX/2019 Another dispute sent due to no response XX/XX/2019 3rd dispute to investigate the verification process XX/XX/2019 Responded to letter as they have not sent proof to verify the debt XX/XX/2019 Sent letter directly to Creditor and letter was returned to sender as the address they are reporting is incorrect.
Company Response:
State: TX
Zip: 75160
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-04
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/2019, I notified Chrysler Capital in XXXX XXXX, TX, that since my loan through them had been refinanced, I wanted reimbursement for the balance of the gap insurance and other add-on services I opted for at the time of purchase. They responded : " If you purchased credit insurance or any other ancillary product ( i.e. GAP ) in connection with the purchase of your vehicle, you may be entitled to a refund of unearned premiums. Please contact the original seller for details about recovering unearned premiums for credit insurance or any other ancillary product. I then wrote to the XXXX XXXX dealership, and they eventually refunded the add-on reimbursements, but said that Chrysler Capital would refund the gap insurance. After waiting for some time, I wrote to Chrysler again on XX/XX/XXXX, and asked them to refund it ASAP. I have received no response from them, and no reimbursement.
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2019-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-03
Issue: Getting a loan or lease
Subissue: Problem with a trade-in
Consumer Complaint: Went in for their XXXX special on XXXX XXXX XXXX. After speaking to the sales team, We decided to do a few trades which was recommended based on my needs. Since the XXXX is a XXXX and truck, I no longer needed my XXXX or XXXX truck. The dealer 's sales team agreed to take both of my cars as trade. They asked for my information and information regarding every car. I myself also checked and it was agreed as them paying off my truck at what was owed and my XXXX which had a balance of XXXX. Everything was done in writing and I agreed with their terms. I signed my paper work and left the dealer with my new vehicle. Two weeks later they demanded over {$4000.00} as they wrote a different about for my payoff. A traditional yo yo financing scam which I later found out. After being upset for a few days, I wrote a bad XXXX review and they agreed to stand behind their dealer after they found out that I had contacted XXXX and had Prof that the payoff amount was given to them on the XX/XX/XXXX and I also had it in writing from the sales team. This was very unethical business practice and I know many have been ripped off my the dealer ship and the manager in charge.
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have been getting threatening calls from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding an auto account that was discharged in a chapter XXXX bankruptcy on XX/XX/XXXX. I was told that they will be garnishing my check and it does not matter that the car was included and discharged in the bankruptcy. The amount I was told that I now owe is $ XXXXdollars. On Tuesday, XX/XX/XXXX I called the original creditors Santander consumer auto finance. I spoke with a manager and was told that the account was not sold and I should not make any payment arrangements with XXXX XXXX XXXX. I continue to get several calls a day from XXXX and I was told my wages will begin being garnished on XX/XX/XXXX. I DO have a copy of my bankruptcy from the court and I have told XXXX that I could send them a copy and they have refused. I have been hung up on and threatened that if I do not make payment arrangement they will file a civil complaint against me and sue me for the auto loan. I was told by XXXX that I am being pursued by XXXX XXXX but when I called XXXX I was told to call Santander because Santander handles all of XXXX auto loans, which I had already done. On XX/XX/XXXX I called Santander again at XXXX and I was told again that this account is not in litigation. On XX/XX/XXXX I also spoke with an agent from XXXX and was also explained the file is in litigation. They keep calling Help please
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-03
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Santander Consumer has asked for specific documentation to support identity theft from another company that put me in financial hardship. I have faxed, mailed, and emailed trying to correct the problem. Santander Consumer is now threatening the repossession of vehicle. I have included email and also the document from credit union that shows the date from back in XX/XX/2019 when this started. I also mailed registered mail a certified cashier 's check in the pay off amount. To be done and not have to deal with company anymore. We have had to retain a lawyer to proceed against dealership for vehicle that has been in service over right times in under a year.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Again I have issues with Chrysler Capital and not reporting on my credit report correctly. It took me almost 3 weeks of dealing with their customer service which is subpar at best in applying my payments correctly and I had to waste countless hours having them apply it correctly, contacting them via email is a joke, they just email to call them and do not even read the emails., They just send a reply all for anything you send them. The frustration with emailing, came after multiple calls in and no one being able to help and being put on hold for countless hours. Reaching out on XXXX and finding numerous people having the same issues with them proves there is a problem with their customer service and lack of training and not knowing how to apply payments correctly. I finally had someone from Santander call me to fix before they responded to my CFPB complaint. The only past 30 days that should be on my credit report is on over 30 day from XX/XX/2019. Instead they have reported 2 past 30 days on my credit report which is incorrect and need to fixed immediately.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I mailed Chrysler Capital a letter dated XX/XX/2019 demanding that they update incorrect reporting to all three credit reporting agencies. Chrysler Capital mailed me a response dated XX/XX/2019 requesting information from me which I had previously mailed in my complaint.
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A