Date Received: 2019-11-03
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I leased a XXXX XXXX XXXX and had auto payments set up to be deducted from my checking account on the date due every month. I made the first monthly payment at the dealership when I did the paperwork. Chrysler Capital deducted the second months payment fine but when the 3rd payment was attempted they tried removing it from my savings and not my checking account and according to their website under my account it showed payments were being met. Next thing I know the vehicle had disappeared from my driveway and find out they repossessed it while I was out of state and away from home for 60 days. I call them and they tell me I can pay the past due to be reinstated and recover the car after being on the phone with them for 40 minutes and as Im getting my debit card to give the information to pay it she says that she just noticed the car was sold at an auction the day before! Ive received absolutely zero paperwork notifying of it being sold to this date but Chrysler Capital shows me owing {$15000.00} and it has negatively impacted my credit by showing derogatory and delinquent. Not to mention all the {$28.00} and {$30.00} fees charged by my bank because they kept trying to deduct payments from the wrong account. Im not sure who to contact but this cant be legal in any fashion.
Company Response:
State: IN
Zip: 46901
Submitted Via: Web
Date Sent: 2019-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
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 SANTANDER CONSUMER U has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. 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: CA
Zip: 93314
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: new car loan XX/XX/XXXX. Usurious rate of 26 %. Interest on top of interest penalties for late payments. After 30 months with this loan, I have PAID {$12000.00} on a {$17000.00} loan and the loan principal has been decreased by {$1500.00}. I have spoken to numerous reps over the years and no one has done anything other than give me a few months no-payment to catch up but of course added those months onto the end of the loan. I had a bounced check in XX/XX/XXXX that I was unaware of, and even though I was making monthly payments every month, on time, they charged me late fees every month for many months going forward because I did not realize there was one missed month so they considered all those months late. AGAIN, I have paid Santander {$12000.00} on a {$17000.00} 72 month loan and they have reduced the principal by exactly {$1500.00}, which still leaves me after 30 months with an outstanding loan of {$16000.00}. Which means I am being ripped off for outrageous amounts of interest. Since XX/XX/XXXX I have paid on time every month, even made additional payments to catch up, and now I am in serious financial hardship and will have no choice but to go bankrupt, almost completely because of this bank 's practices. Special thanks to Santander 's partners at the XXXX dealership who took advantage of a naive first-time car buyer with a weak credit score.
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-02
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: The loan was taken out XX/XX/XXXX, in my XXXX XXXX says there is a balance of XXXX and also it says that the payment status is in collection/ charge off and that the last payment was made XXXX XXXX. The bank name is Santander Consumer USA.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2019-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This shouldn't have any balance since this is collection. Balance : {$10000.00} {$10000.00} {$10000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff
Company Response:
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: My lease ends XX/XX/2019. And due to certain circumstances, I wanted to sell the leased car to a 3rd party vendor before my lease expires. XX/XX/2019 : I called Chrysler Capital to evaluate my options and if I were able to sell the car to a 3rd party dealer. I was told it was an available option and that the dealer would need to call Chrysler Capital for the dealer payoff quote, but no one ever mentioned any time restrictions XX/XX/2019 : When I was about to finalized the transaction with the 3rd party dealer and reached out to Chrysler Capital for the dealer payoff quote, I was told that was no longer an option as it was within the 60 day windows of my lease termination. I literally missed my 60 day window by 1 day. No one had informed me of this 60 day window, not even when I called on XX/XX/2019 when I had inform the call representative of my intention to sell to a 3rd party dealer. I reviewed my lease contract and I also dont see it written anywhere. Because of this lack of transparency, it has completely derailed my original financial plan. Chrysler Capital needs to make these restrictions more conspicuous. I still dont know where this 60 day restriction is listed on my lease.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
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 SANTANDER CONSUMER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, 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: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2019-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A tow truck driver beat on my door so hard it broke and opened. I came to the door and he screamed wheres his car, I demanded he get off my property while I called police for him destroying my property. He sat outside in my driveway with police Type lights blaring close to midnight while all my neighbors had to work the next morning breaching the peace and I didnt even have the car he was searching for. When the police turned down my street he shut his lights off and drove away fast after sitting outside harassing me a single XXXX women dir 30 minutes.
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2019-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My vehicle, financed by Santander Consumer USA was totaled on XX/XX/XXXX after I was hit by a car that failed to stop at a stop sign. I contacted Santander soon after this to let them know that full payment would be issued by XXXX XXXX XXXX. They said they would " note '' my account. It has taken a long time to get a settlement agreed upon, but finally XXXX XXXX issued a check on XX/XX/XXXX which would cover more than the payoff balance on my account. Of course every day the payoff balance goes up more than {$5.00} based on what I have seen as my monthly interest charges. As of XX/XX/XXXX this payment still has not posted to my account. Santander is giving me the run around saying the payments go to their post office box and it can take 6 to 10 days for them to post ... .what kind of tactic is this? This is XXXX. I have a copy of the check dated XX/XX/XXXX, courtesy of XXXX XXXX. I have sent in a written complaint to Santander through my account portal and no reply. NO REPLY. I believe they are sitting on this payment to bleed more interest out of me. As if I have not suffered enough. I can not get another car loan because of the balance with Santander. I am a XXXX XXXX with little resource to pursue legal action. I am walking to and from work in the cold because of this negligent driver and now can't even move on to getting a new car because Santander wants to take more money from me.I expect a fair outcome. I want my payoff balance as of XX/XX/XXXX and want the rest of the funds sent to me immediately. They are is crooked as a company can get. Sincerely, XXXX XXXX
Company Response:
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2019-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I HAVE TRIED TO CONTACT SANTANDER, I'VE WRITTEN ALL THREE BUREAU 'S WITH NO HELP
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A