Date Received: 2017-08-29
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Chrysler Capital. refused new loan based on my XXXX income. When I first bought the XXXX XXXX XXXX the sales person lied, the car was n't certified, it had interior problems, and more I do n't know about. The sales person knew of my XXXX, and that I needed a newer car to reach my DR 150 miles one way every three months. I was rushed, I was thrown into the sale, and out the door. That was XXXX XXXX in XXXX Fl. I have been trying to trade this car for a year, I do n't trust it. In XXXX XXXX I made enough on XXXX to qualify for a loan, nothing has changed, and now You Chrysler Capital tell me I do n't make enough money. I want to trade the XXXX not keep it and have two loans. The will not look at my income because I do n't make enough money. I did for the first loan, can you tell me why? Did XXXX lie about my income? I need to trade this car, I like the car I want to stay with Chrysler Capital, even though they are charging a XXXX person 7.3 in interest fees. People have told me they could n't do that either. I never missed a payment, I would love the newer car, I need it, my illness is permanent it wont kill you, you just wish it would. My income wont change. Chrysler Capital is committed to Fair Lending and treating consumers, customers and vendors with the utmost respect and fairness. Under the Equal Credit Opportunity Act ( ECOA ), Chrysler Capital is prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are : sex, marital status, race, color, religion, national origin, age ( provided the applicant is of legal age ), income derived from public assistance and the fact that the applicant hasin good faithexercised any right under the Consumer Protection Act ( i.e. the right to lodge a complaint ). We recommend you make and retain a copy of our Privacy Policy or request a copy by calling XXXX. Payments to date. Amount ( {$230.00} ) Balance {$11000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$73.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$11000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$71.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$75.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$73.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$77.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$70.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$79.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$79.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$78.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$13000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$140.00} ) Interest ( {$81.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$13000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$92.00} ) Interest ( {$130.00} ) Fees -- Misc. Fees --
Company Response:
State: FL
Zip: 32926
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Purchased a vehicle at XXXX through Santander in XX/XX/XXXX. Amount Financed : {$14000.00} Car Payment due each month : {$340.00} XX/XX/XXXX ( due XX/XX/XXXX ) amount paid : {$340.00} XX/XX/XXXX ( dueXX/XX/XXXX ) amount paid : {$350.00} Payoff as of XX/XX/XXXX : {$14000.00} This company is clearly a predatory lender. There is no way after 2 payments ( one of which was more than the actual amount due ), that the payoff for this loan should be more than the original amount financed. I have requested a copy of my signed contract by both mail and fax and I have not received either. They have also not been able to clearly explain to me how the two payments have been applied towards the loan. This is clearly a violation of my rights as a consumer.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
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: Santander bank u.s.a bank used a settlement check I got from an insurance company to pay for damages and used it to pay off the remaining car loan. Its been a month since my car has been payed off and they still do not want to release my title or the money left over after paying off my loan. They closed my account which makes it very difficult to get in contact with them via phone. I chatted with a customer service person named XXXX and gave me false information. He said my title was sent electronically to my dmv because that was the law. I called my local dmv and they told me that the title is suppose to be sent to my address. They are sitting on car title and money that belongs to me and have no rush in giving me my property.
Company Response:
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander consumer claims I owe them money which I do n't. I had a car loan with them back in 2012 and the car was reloaded and sold. I had no balance. Then I started receiving notices of surcharges and fees saying I owed. That now has reflected on my credit report and it 's negative information that is false and misleading. I contacted Santander and offered to pay the {$200.00} they claim I owe even though it 's not true if they promise to remove the negative account and they refuse. They ca n't prove I owe that money and I am aware they are violating cereal laws.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Santander continues to call my references after I 've asked them, to stop. I never took down the dates but they should have them noted in their system as to how many times a day they call me and how many times they have contacted my references and left messages. Additionally, I asked them in XX/XX/XXXX or XX/XX/XXXX2017 not to call XXXX and they told me they would not because it is a verified phone number for me and a way to stay in contact. Today XX/XX/XXXX, they called me and left a message on my home then immediately called my reference and left a message. I have saved voicemails where they have talked about the debt without disclosing that this call is from a debt collector. They call me 2 to 3 times a day and they have a good confirmed home number so I do n't understand why they continue to call any other number on my file except for the reason to intimidate or harass me in to calling back.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: My husband and I made our first payment for this vehicle XX/XX/XXXX. On XX/XX/XXXX I made a phone call to Santander Consumer USA, a customer service rep stated that we changed our billing date on XX/XX/XXXX. I would like live physical proof of this and If their was any changes made the fact that my maturity date would be pushed back was never disclosed to my husband and I. Our maturity Date went from XX/XX/XXXX toXX/XX/XXXX. Their will still be a balanced left over after our maturity date. Which is n't right my husband and I pay our car note on time and we also put a little extra towards our bill. I made a payment of {$280.00} on XX/XX/XXXX and my receipt through XXXX XXXX Online system states that the payment will and has posted onXX/XX/XXXX the company has on file that the payment was made on XX/XX/XXXX meaning that most of the payment went towards the interest and not toward the principal balance. I also paid my bill the same way this month the same way. I made the payment onXX/XX/XXXX on the XXXX XXXX XXXX as well. I snap shot my receipts for proof and have them backed on google I also trace my payments through my bank as well as XXXX XXXX. We have a balance left over of XXXX which really we should have a balance of XXXX left over maybe a little less because our our original monthly payments were XXXX for next month our car note due on XX/XX/XXXX is XXXX.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have inquiries on my report that I did n't authorize. I called trying to get them off and no help
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX, XXXX I received a noticed to collect taxes for XXXX filing year due to a form XXXX Cancellation of Debt filed by Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX. This was in reference to my XXXX XXXX XXXX that was repossessed during my time of insolvency in late XXXX. I also lost my home during this same time in foreclosure. This was a joint account between me and my late husband XXXX XXXX who XXXX XXXX XXXX XXXX XXXX. This account was defaulted on in XXXX XXXX and the vehicle was taken and in there possession since XXXX XXXX. See documents outlining delinquency dates. And IRS notices. Due to this company filing this XXXX In XXXX of XXXX the IRS is now trying to collect delinquent taxes for filing year XXXX. This vehicle was repossessed in XXXX XXXX and sold at auction in XXXX XXXX. NOT XXXX. A for XXXX is a cancellation of debt meaning that the company has forgiven the balance of the debt. If this is so why does the debt remain on all 3 credit reports. Attached is a copy of one of the reports showing the account as delinquent with the full balance. This company can not report a XXXX and still report the account as delinquent and try to collect the funds.
Company Response:
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2017-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-26
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Two and a half years ago I took out a car loan with Santander Consumer, where a year ago I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX where I was let go from my job of 6 1/2 yr as I was told by employer that we are no longer on the same path. I reached out to Santander with no prevail to allow me to change my payment amount. They refused. I utilized XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ) to help me with bills. Upon going over my financials as needed when you apply for help through organizations it was noticed that although I have been paying Santander over {$340.00} monthly my loan amount is not budging but a fraction, and in addition the late fee 's that were being charged were double the amount of the car payment itself. Shortly after they repossessed my car as they would not work with me. I received outside aid to get my car back and having to pay quite a bit of money. Just last month they showed up in the middle of the night, never reached out to me, they simply repossessed the car again for 2 late payments, as they would not work with me. This time I did not make any attempt to get the vehicle back as I have now learned that this company is worse than a " loan shark '' - they take HIGH payments each month where your loan does not go down, charging more than double the amount of the monthly payment as a late fee, not willing to work with their clients, and in ending, after my car was repossessed they sent immediately to auction, sold it, and are still charging me along with late fee 's for the original amount of the loan and reporting it to Credit Reporting agencies, so they are now wanting to get paid monthly on a vehicle that I no longer have in my possession which has been sold at auction where they pocketed that money. Also note that they have locked my online account so I can not get into it to see what they are charging now or to provide to you my account number. I honestly feel as though this company needs to be investigated. In addition fine the following where I have now found that I am not alone as the following is over 1,095 complaints on the following site as well not counting others XXXX XXXX XXXX XXXX I have requested an inquiry by my Congressional Representative as well. I can be reached at XXXX, I do plan on taking this to media. Thank you for your prompt attention.
Company Response:
State: FL
Zip: 34113
Submitted Via: Web
Date Sent: 2017-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-26
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I financed a vehicle at XXXX XXXX in XXXXXXXX XXXX, Mo. Three days later I was contacted by XXXX XXXX that the financing did n't go through, so upon returning the vehical,, I was told by XXXX XXXX that my trade in was sold, and they would work to get me financed, after continued visits ( 20 days ) to XXXX XXXX, the temporary tags expired, I surrendered the vehical and was told that I was just out of a vehical, I contacted the company ( santander ), to see if I could get my trade in vehical back, was the transaction was final, that they receive the payment off, they sent me a paid in full letter, and reported the vehical to credit agencies as paid in full, I didnt receive any correspondence from either companies, until six months later, by phone stating that they ( santander ) were going to reinstate me to the vehical, and that I was six months behind, in payments, the original transaction was on XXXX XXXX, XXXX, the trade in vehicle was sold on XXXX the XXXX, XXXX, in XXXX of this year I was giving {$1500.00}, back in check form from down payment, and another {$1500.00}, in XXXX, which i have n't cashed, at this time, I purchased another vehical on XXXX XXXX. I told the companies that I have financed another vehicle and can not afford two car notes. I photographed the ( my ) traded in vehicle on XXXX the XXXX, on XXXX XXXX car lot, ( for sale ), and I have a copy of the advertising sale, of the traded in vehical. Doing the twelve months I owned the traded in vehicle I was never late with payments, now after this situation my credit score has dropped over 100, points, and I have been denied credit.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2017-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A