Date Received: 2018-09-06
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: XX/XX/XXXX I purchased a XXXX XXXX XXXX from an auto dealership in XXXX, AL. It wasnt until XXXX I found discrepancies in regards to the Retail Sales Contract ( Forged Signature ) that I am held to currently and the interest rate followed by the loan terms. In XXXX I began my journey of cleaning my credit, and it was at this time I noticed that my loan terms were 80-81 months, my Intrest Rate was 21.07 % and through my transaction history via the Chrysler Capital website I found that the majority of my payments went to Intrest and fees and hardly any to the principle balance. I have also noticed a trend in the company reporting incorrect amounts due to the credit reporting angencies. Concerned about the findings I requested a copy of my contract along with the XXXX-XX/XX/XXXX billing statements because I could only see statements preceding that period. I was told that the company had no way of accessing those statements and they could not provide such and that my contract would be mailed and in receipt shortly. A few days passed and I inquired about the contract again and was told that they would send another copy just in case. A little after a week I received the Retail Sales Contract during which time it was only one sheet and this contract stated loan terms of 74 months & {$460.00} beginning XX/XX/XXXX ; 1 month & {$440.00} Final Payment Due XX/XX/XXXX ( I am in receipt of the original ). A few days later I received a second contract with the arbitration as well but this contract state 75 months of {$460.00} and no final payment due and I noticed that the signatures were slightly in different places and my signature was not that of my own. Each document has a typed date stamp, and when I look over all documentation that I have I am led to believe that everything typed was done after the fact. I would have never consciously agreed to pay in total more than half of what a vehicle is worth especially when the vehicle traded was paid ( no monthly payments ) and in great working order. I am lead to this conclusion not only because of the credit reporting agencies are stating whats reported to them directly by the company ie. Loan Terms and APR but looking through my documentation, some documents have a date of XX/XX/XXXX and others XX/XX/XXXX. I made only one trip to the dealership at which time I had a witness and there are too many discrepancies to suggest all documents were provided at the time of purchase because they would have raised red flags for myself as well as my associate. I do know that the requested years statements would prove that the monthly payments changed especially in the beginning.
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a XXXX from a dealer in the XXXX area via lease on XX/XX/18. I was given a 30 day temporary license plate as is customary until title could be transferred or given to me. It has been almost 3 months since the purchase date and I have not received the title form Jeep and in turn have not been able to get a license plate or legally drive the car. As a result of XXXX 's inability to send me a proper title and within a sufficient time period, I have been unable to drive the car. I have called XXXX as has the dealership for 3 months to get title and due to their complacency or inability I still have not received.
Company Response:
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Santander autho consumer USA XX/XX/XXXX
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been with Santander over 4 years and never made a late payment. I spoke with agent on XX/XX/XXXX and notified them that I had been laid off job and was wanting to make payment the following week on XX/XX/XXXX to prevent from being late and was told that it would be fine and not reported to credit bureaus. I made payment as promised four days early on XX/XX/XXXX but a delinquency of 30 days is showing with XXXX. Neither XXXX nor XXXX show a delinquency or late payments on my credit report. I have asked Santander to correct issue because I am in needing to buy a house within next 6 months but have failed to do so.
Company Response:
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called on XX/XX/18 and spoke to a lady and told her that my XXXX account was not listed on any of my credit reports. I have a signed copy of the reaffirmation agreement from the court but they refuse to show my account in good standing.I was told that they will not report my account even though I was never late or missed any payments. The reaffirmation agreement with the court should make them legally have to report my account in good standing.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-04
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Here 's the situation .... I paid off a Chapter XXXX Bankruptcy in XX/XX/XXXX, and in XX/XX/XXXX went through the appropriate channels to be issued permission to purchase a new vehicle. The bankruptcy was discharged as of XX/XX/XXXX. The payments for the vehicle have, and still are being made ( account is current ) and were reported to the credit bureaus up until XX/XX/XXXX, and that's when I noticed the account completely disappeared off my report, like it never existed. I called and spoke with someone at XXXX and they advised me that because they had just received the bankruptcy discharge ( in XX/XX/XXXX - they said ) basically someone " dropped the ball, because it should have never been reported to start with ''. However, when we originally purchased the car in XX/XX/XXXX and had to submit all paperwork to XXXX XXXX, this was submitted and we spoke with someone at XXXX while at the car dealership, to verify that this would be reported and were told that yes, most definitely it would be reported to the credit bureaus. So basically now we are being told we will be paying a car note for the next 6 years that will not be reported to any of the credit bureaus, and that there is nothing we can do about it. All I want is for the account to be reported again to the credit bureaus ....
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2018-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-03
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: The man who previously sold me the XXXX XXXX ( XX/XX/2012 ) knew the people or were related to the people who had multiple keys to my used vehicle. These people repeatedly had my vehicle damaged and vandalized. The XXXX male who sold me the vehicle also knew people who worked at the XXXX Police station and they also vandalized my vehicle, repeatedly and they kept towing it because they do not like XXXX XXXX females. Light skinned people have a tendency to make up false accusations and reportings of me. I am in pain and walking and I believe they were trying to XXXX me. I help my family out while driving due to the fact that they are XXXX and XXXX. Now, that I ocassionally get on the bus, people are laughing and hitting me. The seats are also disgusting and I have a problem with my foot. I need some of my money in return. I need all or most of of my money back to buy a car from someone else who is not a XXXX. I set up payment arrangements and my payments kept getting stolen from my bank account, and someone was hacking my phone calls as well. I never got to speak with a real representative from XXXX XXXX because someone was stealing money from my bank account and using my phone number. XXXX never sent me an invoice or a final notice of a sell or possible repossession, I need to have this matter resolved as soon as possible. I was XXXX and XXXX. I need a vehicle. I am asking that someone speak to XXXX about giving me some of my money back due to vandalism from the people who sold me the vehicle and his affiliates. The XXXX male knew people who towed my vehicle, who ruined my vehicle, and he plotted to possibly have me XXXX. I need a vehicle that works properly. I think that I may need money or a check. Could someone help me?
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2018-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-02
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: Looks like on XX/XX/2015 a loan for a car was made. The person who has the car I have never laid eyes on and I keep getting the bills to pay for this car. My name is XXXX XXXX XXXX and the name on the loan is not how my name is spelled or pronounced. I never gave permission for my credit to be checked and the loan is showing up on my credit report. The person has now moved and I am having to pay for a vehicle that I do not own and that is not fair. It is showing according to the company that I am the buyer and the other individual is the co-buyer. Like I say I have never seen this car or the person who is showing as co-buyer. This needs to be fixed. I am very upset about this. Want this removed from my credit report since I have no idea of the person or the car. The finance company is XXXX XXXX.
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2018-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is in regards to a previous complaint that needs follow up. Previous Complaint : Complaint number : XXXX Date submitted to CFPB : XX/XX/2018 Date sent to company : XX/XX/2018 Santander reported to XXXX that I am 30-days late on a {$0.00} balance. This has cause my credit score to plummet over 60 points. In addition, the other credit reporting agencies have been notified that the account is CLOSED, not PAID AS AGREED, which has also impacted my credit score negatively. I have NOT been notified about how I can obtain my title, nor when it will be released. I did call Customer Service directly, as usual, they were absolutely no help!
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company santander. They have been removed form my other accounts but they are still showing on my XXXX. I disputed with XXXX because the first date of deliquincy on the account was in XX/XX/2011 and it never went paid as agreed until the accoutnwas charged off. I disputed with XXXX and the company changed the first day of deliquincy to XX/XX/2011 so that they can keep it on my credit report for longer. Then they put no reporting so they can continue to keep it on my report
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2018-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A