Date Received: 2019-05-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chrysler Capital is in violation of my credit reporting. I have two leases with Chrysler Capital, one for a XXXX XXXX Account # XXXX and the second is for a XXXX XXXX Pick Up Account # XXXX. I have been in contact with Chrysler Capital many times over the past few months relating to my accounts. I have paid my accounts though XXXX XXXX and online. In particular my XXXX and XXXX payments including other payments not registering leaving my accounts to appear incorrect. In a recorded conversation in XXXX I was informed that my payments had been returned to the bank therefor I was two months behind. I called my bank and it was shown in a bank statement that both XXXX and XXXX payments went through. In a recorded conversation I phoned Chrysler Capital back and informed them of such and after further research I was told that both payments had been transferred from the XXXX to the XXXX without my consent. To rectify in the most simplest manner I explained to Chrysler Capital to only move the XXXX payment back to the XXXX. I was told to check back in five business days to confirm all was done. In the meantime within the five days I received a notice to repossess my vehicle for non payment. In a recorded conversation on XX/XX/2019 I was told that there never was a transfer and to disregard the notice to repossess a they were going to audit both accounts to see what the final payment is on the XXXX and where I am at with the XXXX because there was imminence confusion verbally and in the account. On XX/XX/2019 the very next day I received a notification that my credit score had gone down 67 points!!! When I inquired with XXXX XXXX it was the reporting of the XXXX account by Chrysler Capital. It would have been paid in full had the correct amount been posted however I could not get a verified answer in any of my phone calls. After logging in today I see that the accounts STILL HAVE NOT been corrected and I have no choice but to file with CFPB including my local State Senator to take action. The result of Chrysler Capitals incompatibility has place m at jeopardy fr loosing my job, not able to take out a college loan for my son reflecting the tremendous amount of points that my score has gone down ( 67 ). We are a family of XXXX with XXXX young boys and need our jobs for health benefits as well as surviving basic needs. The vehicle has since been returned to the dealer and Chrysler 's rush to damage my credit report before offering me the ability in a timely manner to bring this account current was a poor business decision and in violation of my rights. I have been contacting Chrysler to make every attempt to clear matters up and still have not received an appropriate outcome.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a lease payment of {$47.00}. My bank accidentally wired {$4700.00} to XXXX for the payment. I have asked numerous times for them to refund the money to me. They applied the money to the {$47.00} payment due and kept the rest and refuse to return it to me after three requests. They make up different stories every time me and my bank call them. They have not applied the overpayment to any additional amount due. They just kept it. It has been three weeks and they will not return my money.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2019, I mailed a certified letter to XXXX XXXX for validation of the auto account stating I owe {$21000.00} they placed on my credit report, which does not belong to me, I never open this account with them, its been over 120 days and no response back from XXXX XXXX.
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In XX/XX/2015, I purchased a brand new XXXX XXXX from XXXX XXXX in XXXX XXXX, New York - with Chrysler Capital as the lender. Unfortunately, while I did not want to purchase this vehicle, my other vehicle had broken down and I needed transportation to and from work. My interest rate is 23.07 % and Chrysler Capital refuses to work with me. The term of my loan is 80 months. I have been paying on the vehicle for four years and I still owe {$24000.00}. Given the high interest rate it is impossible to make the monthly payment on time and because so much is owed on the vehicle, no other lender is willing to refinance it. In addition, this is ruining my credit. I have requested a copy of my credit score from when the vehicle was purchased from both the lender and the dealer. However, neither party will furnish same. Prior to purchasing the vehicle, I had inquired about a used vehicle from another dealer ( also financed through Chrysler Capital ) with an interest rate of 13 %. When this dealer ran my credit report, it was well over a 600. When I arrived at XXXX XXXX, I was told a used vehicle was not an option for me and that I had no other choice but to purchase a new vehicle. Given that we were in a hardship ( being down to one vehicle ), I feel my wife and I were preyed upon by the dealer and the lender. Furthermore, we were talked into purchasing an extended warranty and GAP. We were told by purchasing this coverage we be saving 1.5 % on our interest rate. This is usury! In addition, when we call Chrysler Capital. We get nowhere. They stated that they do not refinance and our only option is to pay it.
Company Response:
State: NY
Zip: 149XX
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: To my knowledge, I was never late on my XXXX auto lease with account number XXXX. But I realized that I was reported as being 30 days past due twice on XX/XX/XXXX and XX/XX/XXXX which can't be true. I have had this account since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge, I have always made 100 % positive payment history and have even tried to pay way before my due date.
Company Response:
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with XXXX and XXXX hoping that they would address this issue. XXXX XXXX then reported back to XXXX that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( XXXX ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.
Company Response:
State: OH
Zip: 43119
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Santander. I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. Furthermore the account is full of inaccuracies reporting to my bureaus. The account claims to be " closed/charged off ''. That means sold to someone else. So why is it remaining on my credit reports. Secondly the amount claimed owed is incorrect. Third ... .how do you owe any amount on a charged off account? I've attached in this complaint a copy of my XXXX credit report showing false information. And a copy of the cease and desist letter sent to the company directly.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Im having a problem with getting my car out of the body shop the lender to whom I pay my car note through keeps giving me the run around about no receiving documents my car has been finished with the repairs since Monday XX/XX/XXXX. The lender ( Santander ) whom I pay my note through said that they received the documentation but was waiting for it to be reviewed I called them today Monday XX/XX/XXXX to check in on my paper work they claim that theyre missing paperwork before the paper work was sent off I made sure to call Santander on three way with the body repair shop XXXX XXXX XXXX La ( XXXX XXXX ) they confirmed that they had the documents. But today one of the guys whom Ive talked to said that it was false information Ima very upset behind this I dont know what to do because now theyre saying that if they dont receive the proper documentation form XXXX, then the check that they have will be put towards my car balance to reduce it..! Im paying out off pocket too much money on a rental when I can be riding in my own vehicle which is just sitting up at a collision center.. Ik this May not fall under this complaint, but I didnt know where to go to file my complaint about my Lender ( Santander consumer )
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account was shown on the credit report as a late payment Payments are due on the XXXX and payment was made on XX/XX/XXXX and again on XX/XX/XXXX with final paymet due on XX/XX/XXXX. I talked to Santander and they report late payments more than 35 days but it was 33 days and it was not a payment but fees. This has adversely affected my credit score as I never missed a payment
Company Response:
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I filed a complaint last week with the CFPB on Santander my car company for something that we found that they had placed in our credit history. In XX/XX/XXXX I advised them that I was going to be out until XX/XX/XXXX with XXXX XXXX and would be catching up three payments one in XX/XX/XXXX and two in XX/XX/XXXX they advised they did not have a problem with that as long as the payments were made. I called the two ladies on Friday morning at XXXX XXXX XXXX and XXXX and some man named XXXX or XXXX as he called himself advised that he had reviewed the account and the information would stand as he show it. That is not fair for Santander to go back and place that information in our credit when we have never lost the car we are still driving the car and we have continued to make the payments and we have been current on the payments the last three years. they have also jumped again and made a determination without giving us a chances. This does not need to stay on our credit history for 7 years. We have not declared anything and we have paid for this car.
Company Response:
State: AL
Zip: 36092
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A