Date Received: 2017-11-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I started the loan in XXXX XXXX with a car purchase price at right around {$21000.00}. I have been paying the loan since then XXXX 5 years XXXX, quite often making late payments but always tried to pay something. The car was repossessed a couple of months ago in which I paid the past due to get possession of my car again just a few days later. It is now XXXX of XXXX and they are saying the pay off of my car is an estimated amount of {$14000.00}, which I have been paying on for 5 years and the original price of the car was under {$21000.00}. So according to them and their pay standards I have only paid {$6000.00} towards the original cost of my car. I feel that it 's almost illegal the interest, fee 's and etc. cost I am being charged for this vehicle and believe something can be done about this.
Company Response:
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: On XXXX/XXXX/XXXX, I purchased a XXXX XXXX XXXX with XXXX XXXX. I was told I would be receiving my welcome packet in the mail from Chrysler Capital financial and my traded in vehicle a XXXX XXXX XXXX would be paid in full. Days and days went by with nothing in the mail and a late fee hitting my account for my XXXX XXXX that still was not paid off. I called XXXX XXXX who was less than helpful and was told that I should be receiving the welcome packet in the mail any day now and that my previous car loan could call them if they had any questions regarding my purchase however they will be receiving their check any day as well because the bank has all the paperwork at this point. Several more days went by and still no welcome packet in the mail and still my previous auto loan was not paid off as I am receiving daily phone calls from XXXX XXXX in reference to my loan being late. Several more days went by and I called for a third time on XXXX/XXXX/XXXX and after it was looked further into because the finance XXXX could not understand what was taking so long I was told I would be getting a phone call back by XXXX which never happened. I called again on Friday XXXX and was told the person who was working with me was scheduled off and could not speak with him until he returns to work. I called again on Monday XXXX/XXXX/XXXX and was told by XXXX XXXX who was back to work that his bank rep was still looking into the problem. At this point my temporary tag on my new vehicle is expired by three days and when I brought it up I was told just pay the ticket and you will be reimbursed. Then I received another email from XXXX XXXX on XXXX telling me that the problem was still being looked into and now I need to come back into the dealership and resign all new paperwork because my first contract was apparently lost somewhere and nobody can locate the original paperwork. Nobody ever reached out to XXXX XXXX my previous auto loan company to fill them in on what is going on and I am still receiving daily phone calls from them in reference to my payment being late. On Friday XXXX I went back to XXXX XXXX and had t resign a new contract which was dated XXXX and when asked about it they said it is supposed to be that way. I was told prior to leaving that since my first contract was lost somewhere this contract would be expedited through the process and my previous loan through XXXX XXXX would be paid off without a doubt by XXXX so that my payment with them does not reach 30 days past due which at that point makes my payment late and reported to the credit bureaus. I called again on XXXX and was unable to get a hold of anyone from finance. I asked to speak with XXXX XXXX who was off and XXXX XXXX who is another finance XXXX would not come to the phone to answer my questions. As of the time and date of this complaint I am still waiting for my welcome packet from Chrysler Capital, Still waiting for my registration and inspection which is now XXXX weeks expired, and still waiting for my previous auto loan through XXXX XXXX to be paid off which is going to be reported as a late payment to my credit.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: In XX/XX/XXXX, my husband and I returned our leased XXXX XXXX back to the same dealership at XXXX XXXX in XXXX. This was within the 60 days early that we could return the vehicle. In XX/XX/XXXX we had the XXXX XXXX inspect the vehicle for damages and wear and tear. They cleared us of any damages and gave us a form of the inspection. By the time we dropped off the car, they dealer said we were good and did not owe anything on the vehicle, and when asked if we needed to do anything else, they said they did not know because they did not do leasing often. Then by XX/XX/XXXX, the XXXX XXXX company who did the finances to the car called to ask where the car was located, and we stated on at least 4 separate calls that the car was with the dealership and we had the paperwork from the trade in that the dealership had the car. This lasted until XX/XX/XXXX, when they called and said we failed to turn in the car and owed over {$800.00} back for damages to the vehicle. For the whole month of XX/XX/XXXX through XX/XX/XXXX we dealt with this problem, until the management and executives got involved after a BBB complaint was filed. The management waived the charges and said we were good and the account is cleared. They sent a final bill to us, but never showed that we did not owe the {$890.00}, nor a letter of good standing for the account as we requested several times. When we moved to XXXX for military orders in XX/XX/XXXX, on several occasions we received multiple calls stating that we owed roughly {$500.00} for the car. When we spoke to the manager, they read the previous notes and said they would waive the fees, and that we were cleared. I asked for a letter of the final bill again, and a letter stating that we are released of all liabilities and charges for the car. However, on the same day and the next day we received a call from the company stating that we still owed roughly {$500.00}, and then during the conversation they realized the note in their system and hung up. During mid XX/XX/XXXX, we received another phone call again from XXXX XXXX stating that we now owed {$310.00} in assessments fees. When questioned about the new charges, they stated that it was for the property taxes in XXXX from last year. I stated that we already paid the taxes for last year in full around XX/XX/XXXX and they said could not explain the charges anymore. They still said we owed that amount, even after looking at the notes. Then on XX/XX/XXXX I received a letter stated that they have received all required payments a of XX/XX/XXXX. When I looked online at our account it still showed that we still had the payments for the XXXX XXXX.
Company Response:
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX is knowingly accepting a fraudulent loan. I spoke with this company by phone within a couple weeks of my purchase ( a CPO XXXX XXXX XXXX ) concerning the amount put down on my loan application as they were the only financial institution that accepted the loan. I got suspicious of the this dealerships doings ( XXXX XXXX XXXX XXXX ) after returning to my prior dealership ( for my trade in ) and my salesman there said my debt to income ratio should not have let me be able to get the jeep as I barely qualified for the car I traded in @ XXXX. So after I got home I called the financier XXXX XXXX, and although at that time they would not send me a copy of the loan app the gentleman I spoke too ; after telling him my income the past 2 years, stated my loan application stated almost triple what I told him, and that after finding this out would review and unwind the contract. I sent them 3 pay stubs by fax which only clarified what I told them. At that time the person I was talking too at that point ( XXXX ) said they would start the unwind. Then, all of a sudden, they stopped it. I offered to send them documented XXXX 's from the IRS from XXXX and XXXX, they refused. They even went to the point of making it so I can no longer contact their office with complaints. I started this all prior to making my first payment. I will send proof of my income and will send proof of 2 other loan applications sent out that day w/o signatures. Meaning that the dealership committed the fraud prior to any signatures, and that when I did sign it, it was at the time at the end of the purchase with ALL the other paperwork shuffled through, without noticed that they bloated my income, lied about the mileage and put down the wrong employer. Even after proof of all of this XXXX XXXX now refuses to unwind a proven fraudulent loan. They stated in a rebuttal to BBB that income was not a factor in approving the loan. Since when is n't income a factor. If it was n't a factor why did I have to fax their rep 3 copies of my pay stubs after finding out about my bloated income. Any ways whether they state that or not, a fraudulent application was still submitted to 7 lenders, this should have voided any contract as soon as found out and proven. My last salesman made a good point debt/income ratio not only protects the buyer but the seller for over extending credit.
Company Response:
State: MI
Zip: 49307
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed several complaints with cfpb in regards to this creditor this acct was supposed to be a settlement in full yet they are still reporting delinquent acct on at least two credit reporting agencies my next step is legal action also this acct is stating as a charge off how is that possible when I several letters of proof of settlement and my car title
Company Response:
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2017-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: For the past year and a half ( since, at least, XXXX XXXX ), as a result of employment changing and employment termination, as well as facing a chronic, life-threatening illness and fluctuating health insurance marketplace tumult, my finances deteriorated. Throughout my financial decline, I remained communicative and agreeable to any and all amendments to my payment schedules with every and all creditor, specifically SANTANDER CONSUMER USA, the lien holder on my once-leased XXXX XXXX XXXX XXXX, original, manual transmission with little to no resale value according XXXX ( XXXX ). At the beginning of XXXX XXXX, I received written correspondence via post ( XXXX/XXXX/XXXX ), re : Notice of Right to Cure Default. In response, I crafted letters re : modifying my contract, faxed and mailed on or about XXXX/XXXX/XXXX. In addition, I spoke to multiple Santander Consumer USA representatives, some alleging to be from the office of the president. I have repeatedly attempted to mitigate any and all past due payments, in addition to forthcoming on-time payments to Santander Consumer USA. In regard to any consumer assistance or attention to the matter, I received no response. XXXX, XXXX/XXXX/XXXX, approximately XXXX, the vehicle was repossessed without notice. On XXXX/XXXX/XXXX, I received a letter shipped XXXX/XXXX/XXXX via XXXX ( XXXX Overnight ), dated XXXX/XXXX/XXXX, denying my request ( emailed XXXX/XXXX/XXXX ) of Santander Consumer USA representative XXXX XXXX ( by proxy XXXX XXXX ) to modify or renegotiate [ my ] contract with certain specifications. In the same letter ( received after the vehicle was repossessed by Santander Consumer USA ), I had been advised if [ I ] choose to voluntarily surrender my vehicle, [ I ] may give [ Santander Consumer USA ] a call so that [ Santander Consumer USA ] may assist. On XXXX/XXXX/XXXX, I initiated contact by phone with a Santander Consumer USA representative who ( although useless ) confirmed my vehicle was repossessed devoid of communication and return of my personal property ( ie. 1 ( ONE ) laptop computer, 1 ( ONE ) XXXX XXXX XXXX XXXX and other incidentals ) was non-negotiable, as the useless representative refused to give me the information substantive to retrieving my ( now, seemingly, stolen ) personal property. At the very least, the actions taken by Santander Consumer USA and its representatives are flagrant examples of disregard for consumer assistance, satisfaction and response/respect and ability to accommodate consumer needs and Lessor obligations. More egregiously, Santander Consumer USA appears to have seriously violated consumer compliance and contract laws, as well as violating consumer protection laws, in addition to false and/or misrepresentation of facts and claims regarding this account.
Company Response:
State: IL
Zip: 60051
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have contacted the bureau and the company Chrysler Capital on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: i am behind in my payments due to very high interest in the loan, also due to this situation I will almost pay for the car very close the doble of the vehicle value at the moment off the purchase if we include penalties in late payments, and the high interest as you can notice with the papers that accompanied this letter also I have the situation of my mothers XXXX XXXX makes me skip many days at work .being late or leave early in my schedule working hours, I sent a letter requesting some help. this letter was annexed to one of the checks of the monthly payment, the exact date of the send of this letter I do n't remember. but they did receive the letter, the check was cleared I did not received any answer, I have been trying to refinance the vehicle but due to my situation I have been rejected, on the basis I do not meet their requirements of refinancing, like have a cosigner and the likes. Also I was told, that due to the conditions of the loan, it will be difficult for me to get a refinancing of this vehicle, I do want to keep the vehicle I make the effort to be current in the payment, but not always is that easy.27 payments already are being done and the loan seems it will never be paid off.
Company Response:
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I turned in a XXXX XXXX lease seven months early. I had received several different invoices for early termination liability. The first for {$40000.00}, second for {$5000.00} and last for {$4500.00}. I had a lawyer sent a letter asking Chrysler capital to explain a few issues with billing and missing pages from an invoice. I also asked for them to reduce the bill because I feel they age charging me excessively. I called on XX/XX/XXXX and they stated they never received the letter. I faxed them a copy and called back on XX/XX/XXXX. I was told they could not talk with me because a lawyer represented me. I stated I was not being represent by a lawyer that I just had the lawyer write me a letter. After operator spoke with the supervisor she said she could speak with me. I again stated my issue with the amount being billed. XXXX said it looked like I only owed {$900.00}. I said that was good and if they sent the bill I would settle the debt. Again she went to talk with her supervisor. She came back and said that a final bill should come in three to five days. I asked how much will it be and she said she could not give the correct info because there were charges in different areas that would need to be collected. On XX/XX/XXXX I received a letter stating my request for cease and desist was processed and my account was put into hold. I called to find out what this meant and was told that they could not talk about the account because a lawyer represented me. Again I stated a lawyer did not represent me. I had my lawyer call on XX/XX/XXXX to clarify with Chrysler capital that a lawyer was not representing me. The operator on the phone stated that she could not hear the lawyer on the phone and that there was a bad connection. The call eventually dropped. I was on the call and on my end everything the lawyer said was clear. The lawyer suggested I file a complaint with CFPB.
Company Response:
State: MI
Zip: 48183
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I got a loan from santander bank and between them and the dealer where the car was purchased a better way is the name of the dealer ship. They gave me a loan I can not afford I bring home XXXX a week and my car payment is XXXX a month. I live in XXXX and the car dealership is in XXXX The dealership had us there for several hours had us put insurance on the car before they said what the loan amount would be even though I asked what the payment would be the salesman said I do not know you have to ask the finance department. I know that santander has already had to pay a class action lawsuit against them for the same thing.
Company Response:
State: MA
Zip: 01085
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A