Date Received: 2019-09-10
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I financed a new XXXX XXXX XXXX with {$5000.00} down payment ( total price {$53000.00} ) and 0 interest for 72 months at XX/XX/2019 at XXXX XXXX XXXX XXXX ( XXXX , CO ). Today ( XX/XX/XXXX ) the dealer told me I must pay {$26000.00} more down payment otherwise I have to return the car, and charge {$99.00} dollar per day for the 10 days I drive. They have carefully checked my background before signing the contract. If they can not make the deal why not just tell me at the beginning? The monthly payment has not started yet ( will start from XX/XX/XXXX ) but they broke the contract already. I can not pay for the extra {$26000.00} dollars immediately. But if I return the car I need to pay {$1000.00} for the miles I drove these days ( just 200 miles ). This is absolutely a defraud and robbery. Assuming I have the money and paid for the extra down payment, what about after I drive for three months and they force me to fully pay for the car. If I don't have enough money at that time, they will charge me more money for the miles.
Company Response:
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2019 I purchased a XXXX XXXX XXXX from a local dealer. I financed the loan with Chrysler Capital. For my XXXX payment I sent Chrysler Capital a check for the " estimated '' payoff amount ( their estimate, not mine ). That amount was {$24000.00}. Chrysler Capital received payment on XX/XX/2019. Chrysler Capital then sent me a letter stating that my payment did not satisfy the entire balance leaving a remaining balance of {$40.00}. This was the exact amount due to satisfy full payment if received by XX/XX/2019. I received a letter from Chrysler Capital dated XX/XX/2019 that full payment has been received and relevant information forwarded to my states DMV for processing. On XX/XX/2019 I received a prepaid debt card for a " over-payment '' in the amount of {$0.00}. Yes, that's correct, XXXX cents. These are the relevant facts. To receive the refund I was directed to activate the card and then apply the amount to a purchase. I exercised the other option of requesting a paper check. My complaint is that if I had opted to activate the card, then I would be subjected to $ XXXX/month maintenance fees beginning 12 months from now. This arrangement seems like a scheme between Chrysler Capital, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX. It appears to me that I was being nudged to accept and activate a card I did not want, did not need, and accept future maintenance fees, all for the privilege of collecting {$0.00}. I allege a scheme between the entities because if I paid the exact amounts to Chrysler Capital, on time, then why is there an over-payment to begin with? Unless, it's intentional to unleash this chain of company involvement to collect money from consumers for products they don't want nor need, nor seek out?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I am XXXX XXXX owner of a white XXXX XXXX XXXX 2 door. The XXXX was financed thru Santander Consumer USA. On XXXX XXXX they illegally towed my car and never returned. They never provide me court order. I was XXXX XXXX US XXXX when I got the car and remain active when the day they illegally repossessed my car. I would like to submit a formal complain to the Santander Consumer USA. On XXXX XXXX I receive order to deploy to XXXX XXXX XXXX XXXX XXXX and after that I was deployed to XXXX. I am submitting this complain in order to get my jeep back. Failure to provide me resolution I will move forward to sue the company in accordance with the SCRA. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX WA XXXXXXXX XXXXemail: XXXXI would like to please the SANTANDER rep to call me ASAP.
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I purchase a XXXX XXXX XXXX of XXXX on XX/XX/XXXX. I receive a loan from Santander Consumer USA for XXXX with payments of XXXX monthly for 76 months. I was paying my payments on time but the balance will never decrease on my credit report. I have payed a total XXXX towards the loan, Every time I tray to trade the car or refinance the loan I was told that the total payoff was XXXX. I have called Santander Consumer USA several times to go over the contract because something did not seem right as to why my payoff was so high although the care was only worth XXXX. the only thing Santander will do is give me a one month deferment just to shut me up. finally I decided to give the car back on XXXX XXXX. I called the Santander and told them I no longer wanted the car and where should I take it. I was told that they will process the paper work send it to me in the mail to sign and they will come and pick up the car. On XXXX XXXX I called and Santander consumer USA that I did not receive my paperwork and will they be coming for the car. I was transfer to different departments until I spoke to a Supervisor and was told that due to laws they are working on getting the car reprocessed . it took them 6 months before they finally came and got the car. I was told that they will take the car for auction and I will be sent a final bill. Unfortunately, I did not receive anything in the mail. I check my credit report. Santander USA has been reported negative payments towards my credit port to this day although they have the car in their possession. it is now reported that I still owe XXXX and the account is delinquent. it has not reflected any payments I've made for 4 years nor the amount that the car was auctioned off for and the balance keeps increasing on my XXXX and my XXXX credit report
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Leasing agreement with Chrysler Capital of XX/XX/XXXX. Monthly payments : {$490.00} On XX/XX/XXXX I signed up online on Chryslercapital.com for a recurring Payment Plan Schedule. The same day, I got a confirmation from Chrysler Capital, that the plan would start as per XX/XX/XXXX and the Money would be withdrawn from my Bank account with XXXX XXXX XXXX, account ending of XXXX. In addition, I was informed that the plan would be in effect until cancellation, in which case I was advised to visit Manage Auto Pay on the account summary or contact XXXX XXXX XXXX XXXX. Furthermore, I was informed that if I had any questions about the recurring payment plan related to my account XXXX I could contact Chrysler Capital directly. All signed by Chrysler Capital, XXXX XXXX XXXX, XXXX Texas. XX/XX/XXXX I visited the website and paid the XXXX XXXX payment since I was unsure if the plan would cover that payment as well. The next thing I learned was on XX/XX/XXXX, that Chrysler capital has reported me to the credit bureaus for an overdue account. When I called Chrysler Capital I was informed that the Recurring payment plan was for unknown reasons never made effective in their end. I claimed that I have a print of the confirmation of my subscription to the recurring payment plan and that I never got the information that it was not in effect. Also, I informed them that I never received any reminders or notice that I would be reported to the credit bureaus. The first person I spoke to was XXXX from customer service, who was kind enough to escalate the matter to the Executive Office, where I spoke to XXXX. She confirmed that my attempt was filed in their end, but again she could not explain why the subscription was not effectuated. She asked me to send a copy of the confirmation, which I did. After that, another individual from the Executive office called me and informed me they could not withdraw the report since it was my responsibility to make sure the payment plan was in effect. I informed her that the money was available at the account I had designated, so it has not only been my intention to pay but I was proven capable of doing so as well. I hereby complain about Chrysler Capital handling of my case and their report to the credit unions even though the lack of payments was their fault. It is important here that my credit score went from XXXX to XXXX, which undermined my capability of refinancing my house. Sincerely XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA
Company Response:
State: PA
Zip: 15143
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2018, I visited XXXX XXXX of XXXX, North Carolina to purchase a truck for work. I applied as a XXXX XXXX XXXX. I provided all required financial documentation relative to my business and income. That evening, I was told the loan was approved and was given the keys to the vehicle and signed all necessary lease paperwork. The next day, I received harassing telephone calls from the Finance Manager ( stating " You better call me immediately ''. I let him know that I was working out of town and that I would return his phone call when I was able. He continued to call and harass me. When I called back, I asked for the General Manager, XXXX XXXX. I let him know that I found the behavior of his finance manager harassing in nature and that I wanted to only deal with him. He obliged and stated that they needed me to " re-sign '' the same paperwork, citing that the original paperwork had the incorrect mileage per year ( XXXX instead of XXXX ). I told him that they could have overnighted me the paperwork instead of demanding that I return in person to sign ( my work was in XXXX, GA ). I signed the paperwork again, and asked if there was any other information, they needed from me. He stated that there was no additional information needed and that I could see the XXXX department for the promised accessories for the truck. The Service department installed the accessories and I drove away. A week or so later, I get additional calls from XXXX XXXX stating that they needed my signature card for my business account. I told him that I would have my bank send the financial documentation directly to the lender ( XXXX XXXX ), but my bank did not use or issue signature cards. He said that this was fine and provided me with the loan ID to reference, what was Loan ID # XXXX. XXXX XXXX was happy to provide Chrysler with documentation that they did not use signature cards. This was completed via email to XXXX, by a 3-way call with me, XXXX XXXX and XXXX XXXX. When on the call with XXXX XXXX and XXXX XXXX with XXXX XXXX, I told them that I felt discriminated against given the different requests for documentation, after I was told the deal was completed, funded, and allowed to insure the vehicle. I also let Mr. XXXX and Mr. XXXX know that I felt like the team at XXXX XXXX was not providing them with all the financial documentation that I provided directly to the General Manager, XXXX XXXX. They confirmed that he never provided my financial documents from all sources. XXXX XXXX made sure that they knew that no signature card was given to account holders and provided documentation of deposits. Mr. XXXX also let me know that I did not have to deal with anyone at that dealership any longer and that my loan with them, not XXXX XXXX of XXXX. As a minority small business owner, I felt completely discriminated against and harassed by XXXX XXXX and his finance team. Mr. XXXX encouraged me to file a formal complaint with the CEO 's office of XXXX XXXX. He walked me through the process, and this was submitted with their company. I never heard anything back from this complaint. Regarding the mechanics of the vehicle, my daughter and I noticed that the display would get extremely hot to the touch when driving, as well as a loud " frog-like '' sound coming through the dashboard/air vents. We reported this to XXXX in the Service department at XXXX XXXX. I also reported that the cruise control would rev up/down without me pushing any buttons. We showed him a video recording of the issues we'd experienced, and he called a service mechanic over to watch the video as well. They both mentioned that the vehicle had an open recall that needed to be addressed. They assured me that the car was safe to drive and scheduled an appointment for me for after XXXX XXXX, XX/XX/18. Unfortunately, the vehicle broke down on us in XXXX XXXX, LA and had to be towed to XXXX XXXX XXXX. To my surprise, when the vehicle was in repair, XXXX XXXX issued a " repossession '' and sent a company to retrieve the vehicle. He also filed a fraudulent police report stating that I stole the car. I was arrested and charged with a felony. Over a year later, the District Attorney dropped the charges. My life and small business have been completely ruined due to the criminal acts of XXXX XXXX of XXXX, XXXX XXXX and Chrysler Capital. I have tried to remedy this situation with them, but to no avail. As a person living with XXXX, this issue has exacerbated my issues and rendered me unable to provide for myself and my daughter. They purposefully and willfully allowed me to drive a vehicle that they knew had mechanical issues that warranted a recall. They also purposefully and willfully withheld financial documentation from XXXX XXXX knowing that it would be detrimental to my application. As a person living with XXXX, this issue has exacerbated my issues and rendered me unable to provide for myself and my daughter. They purposefully and willfully allowed me to drive a vehicle that they knew had mechanical issues that warranted a recall. They also purposefully and willfully withheld financial documentation from XXXX XXXX knowing that it would be detrimental to my application. Given this, I am seeking compensatory compensation for myself and my business, as well as punitive damages for pain/suffering/defamation of character regarding the fraudulent criminal charges filed by XXXX XXXX, General Manager of XXXX XXXX of XXXX, and harassing emails from his staff and staff from XXXX XXXX at XXXX XXXX. XXXX XXXX continued to harass me via emails after the car broke down and was towed to XXXX XXXX XXXX in XXXX XXXX, LA
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I'm a XXXX year old lady and XXXX year old husband that is XXXX and very sick and also a Veteran, and I have a thing on my credit report from a company. We live on nothing but social security and I have a part time job that buys us a little bit of grocery and now we have been notify from the people that we have been renting from for 23 years and found that the house can not be rented anymore because of the condition of the house, and I have been trying to find a place for my husband and I to live and I have this XXXX XXXX bill on my credit report and have no idea where it came from. I could really use your assistants on this as soon as possible.The account is closed
Company Response:
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Santander consumer USA has been advised of fraudulent auto loan issued by auto dealership XXXX XXXX XXXX XXXX TX, Formerly known by XXXX XXXX XXXX mis represented loan requirements plus added state sales tax to the loan against my wishes. Vehicle purchase was on XX/XX/2019. 6 months have lapsed and dealership has kept approximate {$2800.00} that was added to loan specifically as state sales tax. Santander usa has been notified of vehicles status and inability to be legally driven due to dealers failure to license / register, pay sales and title. Dealer temp tag expired mid XX/XX/2019. I purchased vehicle in Texas as non resident and there is a distance of XXXX miles between my residence and dealership. Dealership has ceased all communications with me and has decided to completely ignore all my communications. Upon last communication from dealership general manager XXXX XXXX, XXXX via email notified me that by XX/XX/2019, I would have plates for vehicle. XX/XX/2019 has passed and I received nothing. State DMV confirms they is currently nothing in their pending files that matches vehicles Vin. I have spent countless hours advising Santander usa of dealers current default by breach of contract and not complying with stipulations in contract, in addition I remind Santander usa that as of mid XXXX I am making payments on a loan for a vehicle my family and myself can not legally drive. Santander usa has opened and closed 3 escalations and offered zero resolution to matter. Santander continues to profit of loan interest being fully aware dealer has defaulted. I have advised Santander usa of my demand to dealer to unwind loan and intent of purchasing a replacement vehicle as of XX/XX/2019. Complaint to Texas DMV and dealers board has been filed and awaiting results of investigation. Meanwhile dealership continues to ignore my communications, has pocketed approximately {$2.00} ; 800, Santander usa profits from monthly loan payments, and vehicle sits on my property unable to be legally driven.
Company Response:
State: CA
Zip: 90006
Submitted Via: Web
Date Sent: 2019-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2019 I paid the full outstanding balance of {$6400.00} still showing to all the reporting Credit Bureau Balance!
Company Response:
State: PA
Zip: 18015
Submitted Via: Web
Date Sent: 2019-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF IDENITY THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND POLICE REPORT AS I WAS INSTRUCTED WHEN I CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VIOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2019-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A