Date Received: 2019-07-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT and regularly monitor my credit reports. I recently viewed my credit report and viewed a hard hit inquiry from " Chrysler Capital '' that I don't recall authorizing. I have tried several times ( last time- yesterday ) by calling Chrysler Capital and unfortunately they did not want to resolve this matter informally. I requested for them to provide me the credit application that is dated and with my signature that confirms that the hard hit inquiry was done with my permission & for a permissible purpose. Each time the representative said they would be unable to do that. Date of inquiry : XX/XX/2019 2019
Company Response:
State: MT
Zip: 595XX
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: We purchased a car on XX/XX/XXXX from Santander Consumer, USA. It was a 2006 XXXX. In XX/XX/XXXX we voluntarily had the car repossessed due to job loss/income loss. After the repossession we never received anything from Santander indicating we owed on the car. It was not until XX/XX/XXXX that we received our first notification that we allegedly owed a balance of {$9000.00}. We then requested the following information to three different collection agencies ( the account was sold on several occasions ) and cc 'd Santander Consumer USA. None of the following information was ever received : The original contract from Santander The agreement giving them a security interest in the car The agreement giving them the right to sue for a deficiency after the took the car Proof of assignment of the debt Proof that our rights to redeem the car was sent and when we could have done that Proof of our right to reinstate the loan and when we could have done that had we chosen to If the car was sold at a private sale, the sale date If the car was sold at an auction, the date, time and location of the sale and A calcuation of the deficiency balance ( or surplus if applicable ), including a description of the fees and charges. We also never received proof that Santander sold the care in a " commercially reasonable manner. '' The original loan amount of the car was for {$10000.00} minus a down payment of {$1000.00}. At the time of the voluntary repossession the fair market value of the car was over {$7000.00} as it was in decent shape. Therefore, we have no idea how we could owe over {$9000.00} on a car that we did make payments on for almost 3 years and at the time of repossession was worth over {$7000.00}. Sincerely, XXXX and XXXX XXXX
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I pulled my XXXX credit report and found Santander Consumer USA had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry and they have not responded so I am filing a complaint.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We bought our used XXXX XXXX in XX/XX/XXXX. The car price was {$17000.00} with an interest rate of 26.29 % making our full loan amount {$34000.00}. Weve been paying on the car since XXXX and have paid in car payments a total of {$31000.00} since XXXX. Thats not even counting the {$10.00} fees and other fees they tacked on. We recently went to trade the XXXX in thinking since our payoff date is XX/XX/XXXX that there only being 11months left on the loan that we only owed a little over {$5000.00}. When they pulled our credit Santander Consumer has only reported the car amount of {$17000.00} and that the balance was down to {$14000.00} something making it look like over 6 years me and my husband have only made little over {$2000.00} worth of payments. They are telling us the payoff for the car is almost {$15000.00} even though weve been paying for 6years and have already paid {$31000.00} of the loan. The dealership manager told us they were in violation and for us not to put anymore $ towards the car so we opted to have them come and get the vehicle And then pursue what we needed to get this fixed. But were not going to put anymore money into a loan where we were being scammed. Heres a link to some of the complaints concerning the same things that theyve done to other customers. https : XXXX
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-22
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: The original dealer I leased the vehicle from has permanetnly closed. I have called several of the dealers as indicated on the Chryser Capital website and have been informed they don't accept returns of vehicles not leased through them. ( This is different from what Chryser Capital has indicated. The dealerships transfer me around the and I leave messages but don't hear back. I called Chryselr Capital customer service and they gave me another dealership even further away. I was transfered 3 times there and I am waiting for a callback. I would like them to arrange for a convenient return at the end of the lease. I believe it is unfair and deceptive to list dealerships on the website that are unwilling to accept all returns. I am sure this is to pressure people into purchasing or leasing a new vehicle. ( In which case the dealer would accept the return ).
Company Response:
State: CA
Zip: 94114
Submitted Via: Web
Date Sent: 2019-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-20
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: My car was in the flood of Hurricane Harvey on XX/XX/XXXX. 2017 Santander Consumer U.S.A. Want 's me to pay them {$600.00}, But {$600.00} was paid towards the settlement amount of XXXX Now they went me to pay them all of XXXX in full. I sent a letter to the CEO of Santander U.S.A telling him about the flood in XXXX XXXX Texas on XXXX XXXX. But they keep calling me!!
Company Response:
State: TX
Zip: 776XX
Submitted Via: Web
Date Sent: 2019-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I was a former customer of XXXX XXXX XXXX XXXX XXXX, Nevada located at XXXX XXXX XXXX XXXX XXXX. I am XXXX years old and this dealership has done business with me in the past, but i never had an issue with a purchase. A sales man name XXXX XXXX of that dealership and i was pushed into a car i did not want. I was told i was getting a much cheaper vehicle than the one i was pushed into. I was told to take the car but my reply was i have to think about it, and 3 days later i show up and i was pulled into the managers office and was approved for a loan i didn't understand being told by XXXX XXXX, and this so called manager of the dealership. This what i believe to be, Predatory lending which targeted me and other minorities, the poor, the elderly and the less educated. Seeing that i was denial 5 times by other lenders including my own bank at XXXX XXXX I was rushed to sign the paperwork with promises that i will have a low car payment and was told by XXXX XXXX that because i worked for XXXX i can make my car payment in one week. Which is not true, I'm XXXX year and can not move like a XXXX-year-old kid anymore. When i received the car and 3 days later after having the vehicle in my possession i did not want this car and i wanted my trade-in vehicle back plus my {$3000.00} cash that came from my savings. Then they made me sign a document for an additional payment of {$23.00} for repair if the car breaks down this will cover all cost, but it wont change my oil or wipers. Now i have 15 days as per the Nevada DMV to get my trade in back. and this is what the website states at https : //dmvnv.com/regdealer.htm *Trade-In or Sale to a Dealer* If you are trading in a vehicle or selling one to a Nevada dealer, the dealer is required to satisfy any loan or lien within 30 days. Other states have similar laws but be sure to ask an out-of-state dealer when the lien will be satisfied. The dealer may have you sign a Power of Attorney or similar document if you do not have the title. Nevada dealers are required to keep your trade-in until the financing on your new vehicle is finalized ( up to 15 days ). They must return your trade-in if they offer you different financing terms and you decline to accept the new contract. Keep your license plates. These must be used on another vehicle or surrendered within 30 days. You will be issued a credit for the unused portion of the current registration. This is unfair to an XXXX year old man.
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2019-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ive noticed several unauthorized inquiries on my credit profile this is an illegal per usc section 1681 which states that there must be written consent in order to authorize inquiries also section 609 of the fcra states the same there must be written this is grounds for a suit and if they are not removed by these unauthorized companies i will persue every matter in court
Company Response:
State: GA
Zip: 31210
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am a co-borrower on a new vehicle purchase loan financed by Santander Consumer USA. Monthly payment for auto loan is {$550.00}, and I have been paying this amount monthly since signing of the financing contract on XX/XX/XXXX. I was involved in a motor vehicle collision on XX/XX/XXXX. My vehicle suffered substantial damages and was towed to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX filed Notice of Pending Lien Sale with Department of Motor Vehicles Lien Sale Unit. Documents produced by Santander indicate that notice of lien sale was received by clerk # 1 on XX/XX/XXXX and clerk # 5 on XX/XX/XXXX. However, Santander failed to take action, and the subject vehicle was sold at an auction. Santander is clearly at fault for allowing the subject vehicle to be sold. I am no longer able to drive the vehicle but have been continually making the {$550.00} monthly payments, because Santander agreed to cease and desist from further collection activities, but has been refusing to stop reporting delinquency to credit bureaus, despite the fact that I am no longer able to drive the subject vehicle. Also, Santander is insisting that it still holds the right to enforce the contract in which I am obligated to make payments on the vehicle, although the vehicle has been sold due to Santander 's fault, and I do not have a vehicle to drive. My counsel of record contacted Santander and spoke with XXXX XXXX ( Santander Consumer USA Specialized Services Evening Manager ). He stated that he will inquire with Executive Department to request deleting of my automobile financing account so that Santander will no longer report any delinquencies to the credit bureaus. Also, he stated that I will receive a response within approximately 48 hours. My counsel sent an email confirming the details of conversation, and requested delivery and read receipt. XXXX XXXX sent read read receipt on XX/XX/XXXX at XXXX XXXX. Then, on XX/XX/XXXX, my counsel of record sent another email following up regarding Santander 's decision. XXXX XXXX did not send any read receipt in response to this email to date. Today is XX/XX/XXXX, and it is XXXX XXXX. I was expecting an updated response, but Santander is being non responsive. Also XXXX promised to forward the all correspondence to Santander Legal Department. I have not received any read receipts, updates, or any type of acknowledgement or response since XX/XX/XXXX.
Company Response:
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: In reference to file # XXXX in the matter of Santander Consumer USA Inc. I am an Affected Consumer in this Consent Order and need to know the status in which Santander sent or plan to send me check and apply a statement credit to my account. I contacted Santander on Tuesday, XXXX XXXX and on Wednesday, XX/XX/2019 requesting information regarding this and was told they were not aware of the Consent Order and that there is no one within their organization that could assist me and was unable to provide me with any other contact phone numbers. I believe I have the right know if Santander is following up on the stipulations order by the court and what the timeline is. In the meantime, their fraudulent activities has case undue stress not to mention the negative impact on my credit report. Please provide me with information on this matter including any further steps I can take as a consumer.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A