Date Received: 2019-05-26
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Santander does not have monthly charge off amount. Please delete this account
Company Response:
State: LA
Zip: 70570
Submitted Via: Web
Date Sent: 2019-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Made attempts via certified mail regarding hard inquiry ; unable to reach company. Certified letter returned to sender
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2019-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir ; i have filed a complaint of Identity theft with the Attorney general of Massachusetts. I have a loan from Santander Consumer USA of an Automobile that i have never ordered or purchased. It is identity theft and FRAUD!!! according to XXXX it is an outstanding loan stared in XXXX of 2014 i never ordered this 2009 XXXX XXXX. and never driven and never bough this vehicle. i hat XXXX XXXX the are very troublesome.
Company Response:
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2019-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I bought a car from XXXX XXXX in XXXX XXXX XXXX and the car was financed to a fraudulent claim from Santander Consumer USA. I have been paying month 1 without, any missed payment or even late. I made {$2200.00} on the capital they don't make the appropriate corrections. All my claims stayed in a deaf hear. What can I do
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I want this account off my credit report now. This company SANTANDER has harass me for over 9 to 10 years now. The car which was a red XXXX XXXX was giving back years ago. These people constantly calling and but not giving me letters through the mail or nothing, I wonder why, cause it's incorrect information. This is illegal. I want them investigated. And I want to know why this is still on my credit report and why I am receiving calls and being harass for a car that I had over 9 or 10 years ago. This has to stop. Stop.
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Most importantly Ive never had credit and someone is using my social security because I keep getting alerts about things that I have no idea whats it about. School loans are already closed and they still show on my credit report. There is a car company asking me for money I dont owe anyone anything so how does this reflect on my credit. They said they will fix the problems and nothing is happening. I need someone to look into this XXXX XXXX XXXX is more than 7 years old from CT and its still showing on my credit report. I full complaints and nothing is being handled. I mail letters and call the credit agency I ask for fraud alerts and nothing is being done. How can someone keep using my social security. Please contact me email. XXXX XXXX
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account in question is regarding a vehicle leased in XX/XX/XXXX. I traded this vehicle in on XX/XX/XXXX. I told the dealership the payoff amount and the date at which this payoff expired. I called Chrysler Capital several times in XX/XX/XXXX to confirm they had received the pay off for the account. I was told the amount was received on XX/XX/XXXX and that the funds were being processed. I was also told I no longer needed to worry about the account and no further payments would be required. On XX/XX/XXXX, Chrysler Capital reported my account 30 days past due. After logging in to my online account, I can see that the {$47000.00} payment was marked effective XX/XX/XXXX. I do not believe this account is past due, or was ever past due, and the fact that the payment was marked effective XX/XX/XXXX proves this. My personal credit has gone down over 40 points due to this, and my business line of credit has been reduced due to incorrect information reported on my credit report. When I contacted Chrysler Capital they advised me there was nothing they could do, and that it was my fault the account is delinquent even though their own transaction history says otherwise.
Company Response:
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-23
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: On or about XX/XX/2018, while I was 39 weeks XXXX and at XXXX at a doctors appointment, my leased car was repossessed while parked in the XXXX parking lot. I had always made full payments and always paid my lease whether I was late or not. I called XXXX XXXX XXXX in XX/XX/2018 and explained that I was interested in an early termination lease due to a significant life changing event ( giving birth to my first born ) as outlined in contract under terms of early termination. My concern was I didnt feel the XXXX XXXX was safe enough for my baby and the car seat didnt fit in the back seat correctly due to the narrow space in back seat and having to install car seat rear facing per law. Chrysler Capital said I couldnt do that. My due date was fast approaching XX/XX/XXXX while my lease was up On or about Late XXXX or XX/XX/2018. However, again on or about XX/XX/XXXX my car was repossessed with all my belongings to include new infant car seat, hospital bag, stroller, and personal belongings while I was due at any minute. The suffering, pain, and emotional stress caused was so overwhelming as imaginable. XXXX XXXX refused to let me lease/own a new vehicle in exchange of terminating my lease early per terms. I had a valid reason and significant life changing event to justify why I was seeking an early termination but XXXX XXXX discriminated against me for being XXXX. XXXX XXXX had no regard for my necessity or well being and charged off my account sending me a bill for excessive thousands of dollars while I only had 4 months left on lease! XXXX XXXX refused to allow me to terminate my lease for my life changing event. That is appalling as a consumer, single mother, and XXXX XXXX. I did not break my lease! XXXX XXXX did by not allowing me my rights per terms on contract.
Company Response:
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2019-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I setup my LEASE PAYMENT account online with XXXX XXXX XXXX since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. But what happened is, XXXX XXXX stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the XXXX XXXX XXXX XXXX is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for XXXX XXXX website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without notifying or warring me it would be posted on time.
Company Response:
State: CA
Zip: 92694
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I setup my LEASE PAYMENT account online with Chrystal Capital Financial since day one as AUTO-PAYMENT, & their setup clearly says PLAN END DATE : UNTIL CANCELLATION no other options, it is only one default option & I never canceled my auto payment either. But what happened is, Chrysler Financial stopped withdrawing my auto payment on their own on XX/XX/2019 & put it on my Delinquent credit as overdue late payment of {$99.00} on XX/XX/2019. So tried to reach them directly twice XX/XX/2019 & XX/XX/2019 so they fix their mistake & once thru the 3 credit bureau all on XX/XX/2019 but Chrysler Capital are not cooperating & always reply back with only 1 answer copied from their letter : We have investigated your dispute & verified the information provided to the National Credit Reporting Agencies is accurate. It is our policy to report all consumer accounts to the credit reporting agencies in a consistent & accurate manner, considering they dont accept phone calls or emails it is only mail to get in touch with them. Their report would be correct only if I setup my account for end date which not an option for me AS SHOWING ATTACHED, or I canceled it which I didnt do either, but I did my step until cancellation which should be end of my lease term ( 36 month ). But they did terminated my auto payment without notifying me so I pay on time, also they said the auto pay is only 24 month but my lease is 36 month & their website doesnt show any warning or notification clearing it is only 24 month auto payment Attached is a screen capture for Chrysler Capital website demonstrating the steps setting the auto payment proofing no warning of the 24 month ending but stating UNTIL CANCELLATION so it is not my fault & I didnt overdue my payment, but they didnt withdraw the payment & terminated my auto payment on their own. If they didnt stop my auto payment without warning or notifying me it would be posted on time.
Company Response:
State: CA
Zip: 92694
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A