Date Received: 2019-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Company Response:
State: AL
Zip: 367XX
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I came into the dealership on XX/XX/2019 with the intention to buy a XXXX XXXX that day, and had a pre-approval from XXXX XXXX. I was introduced to the sales rep XXXX XXXX and I immediately explained to him what I wanted, that I had also been pre-approved by XXXX for a 3.99 % rate, and that I did not want to put XXXX XXXX down. He said sure, they could roll everything in, and showed me a car that met my needs and had me fill out a credit application on their computer. I again, let XXXX know I had a pre-approval from XXXX-XXXX. He assured me this was the process. Needless to say I met with the finance guy next and he tried to get me to sign documents that said i was paying an 8 % interest rate and it was from another bank. I let him know of this error and he acted surprised then finally came back with 3.9 % rate from XXXX XXXX. After coming home with the car I have found my credit was pulled by over 5 banks ( Chrysler Capital , XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX ) without my permission. These hard inquiries cost me a credit line already and have lowered my credit score. I am also very upset they have shared my credit history and personal information with other banks without my permission. I have tried in good faith to work with the dealership to have them removed but they are combative and show zero empathy for my situation. I have attached one of the emails I have sent, the credit application explanation I saw when authorizing the credit pull, and my pre-approval letter which I had showed the sales rep.
Company Response:
State: NY
Zip: 11795
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I signed a loan agreement offered by Santander Consumer USA thru XXXX in XXXX of XXXX. Even though my interest rate was astronomically high at 22 %, they were one of the only lenders willing to work with me. My car was a little over {$15000.00} 2010 XXXX XXXX, for 72 months. I figured I could work that, even with a high interest rate, as long as I made every payment and paid extra, I could pay them off in no time! Fast forward almost 2 years, I had to request an extension that one of the reps suggested I get because I had moved to a different state for my boyfriends job. I did not find work as quick as I had hoped, and had already emptied my savings paying Santander 2 months worth. That was the 1st of a handful of extensions I had to get later on due to my dad passing and me having to take off work, myself sick and taking off, kids sick, etc. Santander has called almost everyday since trying to get more money out of me after I have continued to make timely payments-even reporting me late 16x on my credit! They replied the car in XXXX of XXXX and I had to pay almost 4 months worth to Santander to get it back-even though I was 3 months behind ( according to them ). About a week ago, they were harassing me, yet again, telling me that I was 120 days past due and needed to get current in order to avoid another repo. I asked the girl how that can be when I have double and triple paid them, AND Im on my 6th year-as we speak. This was the same thing I asked a rep nearly a year ago in XXXX around the same time. Both reps said the exact SAME THING! LATE FEES! Late fees?! How can I still owe late fees when I caught up twice with my payments and late fees and youre still telling me Im behind??? So how much do I still owe? I ask. {$10000.00} is what she tells me!!!! WHATTTT?!?! As soon as I got off the phone with her, I went to my job and spent all morning going thru transactions with them. I paid this company nearly {$25000.00}!!! And they were still telling me I owe {$10000.00} on a {$15000.00} car! I immediately called my mom and gave her my login on their website. I asked her to look over the numbers to make sure I wasnt crazy. She calls me back and had noticed something that I didnt .... they had applied ALL of the money that I had been giving them for my car towards the interest for almost 2 FULL YEARS. Then, towards the end of the 2nd year, they finally put 2 months of my payments toward my car. Right after, they went right back to putting the money towards interest- to the point where we are now ... that I have only paid {$5000.00} towards my car and {$20000.00}!!! towards interest!!!! This can not possibly be legal! Not only that- it was never made clear that when they were giving me these extensions that I would be accruing interest on that! I checked over the contract and I DEFINITELY did not get told by them or the dealer that ALL of my payments to them would go to interest for nearly 2 years! I am frustrated and very depressed from having to watch my credit suffer, as a result of these bloodsuckers constantly reporting me late and threatening to take my vehicle-after getting SO much money out of me for a car that is barely worth {$1500.00} XXXX!!!!! Please help!!!
Company Response:
State: VA
Zip: 22980
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: I do not have dates all of the dates. But, I filed for bankruptcy and it was discharged in XXXX, XXXX. I filed a reaffirmation agreement for my car loan thru Santander Consumer USA, with the US Bankruptcy Court which was approved. I then had a financial burden in XXXX, Santander allowed me to not make payments for XXXX and XXXX, XXXX. Around this time I started shopping around to refinance the vehicle, but I was denied because the car isn't on my credit report. In late XXXX I attempted to have the car loan added to my credit report by contacting Santander. They said I needed to send a letter to the department that resolves credit related issues, so I sent a letter. XXXX i received a letter back from Santander stating nothing needs to be done. Then my sister was given a XXXX diagnosis and went on extended leave from work, so I am helping her pay bills. I am now two payments behind on my auto loan. I continued to check my credit report for the next month or so and it did not show up. XX/XX/XXXX I spoke with XXXX from Santander ( see attachment ) about refinancing and the issues I was having making the payments.I spoke with Santander on the phone on XX/XX/XXXX. The representative said she was opening a high level ticket with the credit resolution dept. She called me back and stated " The car loan will not be added to your credit report, because you filed bankruptcy '', so i asked " Was i advised of this when i reaffirmed the debt in bankruptcy? '' To which she responded " No information was sent to you pertaining to this. '' I then asked " Does Santander refinance '' to which the representative said " No ''. The crucial piece of information about the car payments not being reported to the credit bureaus after bankruptcy, now prohibits me from refinancing the 19 % percent interest rate to get the payment to a level I can afford. So now, if the car is repossessed, I will be in another difficult financial situation due to any amount that is due after they sell the car at auction. When if they had told me the car wouldn't be on my credit report, I would have forfeited it when I filed bankruptcy. This is an unethical business practice, if not criminal.
Company Response:
State: NY
Zip: 12208
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XXXX of XXXX Chrysler Capital had my car repossessed. All of my belongings were in that vehicle. So I called later on that month to let the finance company know I would not be attempting to get the car back. At no point during the conversation was there any mention of where my belongings were. I called the office of the president to find that information out and they were not able to provide me any of that information. When I contacted Chrysler Capital again at the beginning of XX/XX/XXXX, I was informed my belongings had been sent to a recovery company, XXXX XXXX XXXX and spoke with their claims manager. The claims manager informed me that after an investigation was done into the where abouts of my belongings, my belongings were discarded. The reason they were discarded was because the recovery company never received a personal property letter from Chrylser. When I reached out to Chrylser ( or Santander, as it was interchangeable every time I talked to them ) I was told that it was not their responsibility that my items were lost even though they were supposed to send a personal property notice to the recovery company so that they would be able to reach out to me. I feel that Chrysler Capital is very much responsible for the loss of my property as they did not send the property notice to the recovery company as they had been instructed. My loss of property totaled close to {$1000.00} and therefore they owe me for what was lost.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: In XXXX of XXXX I purchased a car loan from XXXX. I financed the car through Santander Consumer. I am now nearing the end of my loan due date or maturity date as of XX/XX/XXXX. I have owing still XXXX. I have no idea why this is. The car is only worth XXXX or so dollars. I've been trying to purchase another vehicle but to no avail because I'm upside down on my loan. I have since contacted Santander Consumer about this problem and they have told me I can keep the vehicle even after the maturity date but was told it would negatively effect my credit due to the loans maturity date and still owing. I was never told I would have a remaining balance owing at the end of my loan. And have wrecked credit due to them reporting me late until the car loan is paid in full even after the maturity date.
Company Response:
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is several items on my account that doesnt belong to me and payment history is incorrect../ I have made several attempts to distribute or contact the agency and it has fallen on death ear ... I am at the point that I dont know what to do
Company Response:
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2019-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I've made every payment in the first week of every month for the last 5 months. This bank is saying I am ten days delinquent for my XXXX payment but I have proof that I paid XXXX 's payment. I called today on XX/XX/XXXX and talked to two representatives who refused to help me and hung up on me each time
Company Response:
State: MT
Zip: 594XX
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have made over pmts when I can because I know longer have a monthly income. I Noticed my XX/XX/XXXX/XX/XX/XXXX/XX/XX/2018 I over paid and was charged my counties 6 % for the over pmt amount instead of the {$19.00} sales tax per signed and agreed upon contract that the base would be {$320.00} but {$320.00} it fluctuates monthly and sales tax should be {$19.00} but also fluctuate to {$19.00}. The problem is that when I made a overpmt they taxed me the 6 % on my over pmts that I'm not due for for XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX, XXXX/XX/XX/XXXX. I have been told several lies and denied to credit me the extra taxes they charged on a over pmt, I was told the 1st call about it, something was offset in XX/XX/2018 and when I made the unexpected over pmt it corrected the issue, I then asked what was offset and she/rep could not show any prove to what she said. She then says the {$11.00} credit charged sales tax from XX/XX/XXXX went to next month bill but I was charged even more sales tax because I paid {$540.00} so they taxed me 6 % again on my over pmt amt, my lease pmts are {$340.00} and they say they can charged me more in taxes when I over pay. So Iam being penalized for paying in advanced!!! I explained, I was in a car accident and lost job and have NEVER been late. I have been told more lies and they blame it on the state/county, I explained I'm in same state I purchased vehicle as they can see on account and Michigan State and ALL counties taxes are 6 % after they tried to say it's the state taking more taxes as if I did not sign a contract agreeing to a set amount. I ask, If I can pay upfront what's left of the taxes of XXXX on the car and was told no and in the future will continually be charged more taxes if I over pay which breaches the contract on a set amount to be allocated correctly, I set the contract up to only pay what the contract states, what I'm obligated to pay and NON MORE. The recorded calls will show that they are liars, this last supervisor that I talk to today said our call was not recorded which should not be legal when their is a discrepancy. I know longer want the vehicle because they XXXX a XXXX XXXX XXXX! I will never get another vehicle and will push for others to do the same because XXXX is a XXXX XXXX. Thank you for your time reading my complaint and hope I don't have to get a class action lawsuit together because the people who can afford to pay more is not cheated like they do the elderly.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A