Date Received: 2019-07-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I obtained possession of my car on XX/XX/19 I was told on XX/XX/19 that all I had to do was verify my phone number and the loan would be finalized so I called and did that then on XX/XX/19 I was told that the loan was not finalized and that other information needed to be submitted which I did submit then on XXXX I was told that there was a possibility that the car would be taken away and so I went and got a new car then on XX/XX/19 I was told this loan was finalized so I gave the other car back and managed not to have any negative reporting on my credit Ive been contacting the company Santander to have my loan re start to avoid my payments being reported late and it hasnt been possible
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2019 I was looking to purchase a truck and I got a preapproval from XXXX XXXX - the truck that I wanted was at Chrysler but they would not accept XXXX XXXX ' approval and stated that they would give me a better interest rate so my credit report was hit with 15 inquiries. Got an approval and financed it through Chryslercap. I was having to many issues with the descrepancy of my name and the interest rates that was agreed upon and trying to get the vehicle registered because Chryslercap had someone else 's name on the registration and it took them almost 4 months to straighten that out.I decided to go ahead and pay off the vehicle in XX/XX/2019 in the amount of {$28000.00}. On XX/XX/2019 I received a letter from XXXX XXXX XXXX XXXX stating that there was force auto insurance put on from XX/XX/2019 - XX/XX/2019. On top of that Chrysler then sends me payoff notification on XX/XX/2019 that I still owe a balance of {$170.00} which I paid immediately on XX/XX/2019 with confirmation # XXXX. Despite the nightmare I went through with purchasing this vehicle I am in the process of purchasing a home and my credit report is showing a 60 day late payment status with a 3 credit bureaus for XX/XX/2019. When I tried to address this issue with Chrysler no one seems to be able to give me an answer or rectify this issue. The 3 credit bureaus said that I had to call Chrysler.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Santander bank says there is a ten day grace period on auto loan payments but there charging me interest for every day I was late before the ten day grace period which was not stated anywhere clear in there contracts I called twice and they say this is a simple interest contract and will not refund the amount which the say is XXXX per day on top of the 22 percent they charge on the loan
Company Response:
State: NJ
Zip: 08005
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The bank Chrysler Capital has my car kin and is now trying to say they only received half payments from XX/XX/XXXX to XX/XX/XXXX and its absolutely incorrect this is the worst bank iv ever dealt with Im waiting on card statements for my prof but they now have it as 120 late and in the loss and recovery Dept amd status as a repossession something needs to be ASAP about this bank this is the second time they have done this to me and they have not contacted me nor sent any notices about these half payments nor a repossession in progress they also have never reported my payments monthly to the credit bureaus they have actually hurt my credit more than helping I cant afford a lawyer but will not let them lick this car yo til I get my statements to show there was always whole payments made there was some months I did half and half but they r trying to say only got half and its XXXX XXXX and there just saying from XX/XX/XXXX or XXXX to XX/XX/XXXX this meds to be looked into ASAP please thanks XXXX I could have sued the sewer and this bank for contract fraud but didnt go forward my whole contact is messed up sorry saying half payments since XX/XX/XXXX and I can share any document yet waiting to get them by mail but the car is in a repossession status now
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have had a car loan with Santander Consumer USA since XX/XX/2016. I have paid it on time every month. Santander Consumer USA has only sparingly reported my history.
Company Response:
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Hello, I purchased an auto through Santander Consumer USA in XXXX. I put down {$8000.00} and made regular on-time payments until it was paid in full this year, in XXXX. My husband was joint with me on the account. Santander reported our good payment history accurately for 5.5 years. One day the account was just missing from our reports. Initially I called the credit bureaus, they told me it was " In the background '' and all Santander Consumer USA had to do was give them a call, and have them " re-insert '' the information. I have called in and spoke to Santander Consumer USA at least 4 times. One time the representative laughed at me and told me they were not going to report. I sent at least 3 certified letters to them including copies of each my payment history, my statement showing a XXXX balance, as well as my credit report showing it missing, along with requests to report accurately. They refuse to correct the situation! Or even respond to my last letter, that included the credit report, that they told me to provide! NOW I am concerned my credit report information will be used inappropriately by one of their employees, given the unprofessional treatment they have shown me so far. I am at my witt 's end with them. It was a high interest loan, and I feel very taken advantage of by this company!! I believe Santander Consumer USA is violating the Fair Credit Reporting Act, and should have to pay the fine for doing so, as well as damages to my husband and I.
Company Response:
State: OR
Zip: 97405
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I took a loan in XX/XX/2016 ( XX/XX/16 ), I was paying on time. After i loose a job, i had returned the car, dealership said I'm done. But later Santander bank charged my account for {$10000.00} with no explanation. This is ruin me credit score.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: My car was repo'ed on XXXX. The finance company has only sent me damages of end of lease. I have not received information about my car and personal property inside and how to get my property. Have not been notified of sale or anything else. Chrysler Capital - Santendar
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: In the present expose as a client my dissatisfaction with a report from Banco Santander to my credit bureaus that affects my credit score which I am protecting, I have an excessively high interest, which has sometimes been difficult for me to maintain a payment to weather. I have spoken with the bank and they have told me that this is directly with the credit bureaus. The day we decided on a payment agreement, I was conducting intensive studies for my XXXX license from the state of Florida. I ask that the late payment report from my credit bureau be removed.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: OnXX/XX/2018 I sent a postal money order in the amount of {$380.00} for the full satisfaction of the claim related to a retail installment contract. Chrysler Capital accepted my money order yet still demands payments. I have attempted on multiple occasions to resolve my dispute but have only been told to keep paying. I can not call to get in touch with anyone as my account is blocked and they ignore my mailings. I have paid every month out of fear that if I don't they will attempt to repossess my vehicle, take legal action on a non existing and alleged debt, or turn my account over to a collections account in an attempt to harass me. To this date Chrysler Capital owned by Santander Consumer Use , Inc. under the direction of XXXX XXXX continue to demand payments from me.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2019-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A