Date Received: 2017-07-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander sent me a letter dated X/XX/17 in response to my complaint of inaccurate information in addition to wrong account history. They claim that the credit reporting agency is at fault and they will not delete this account. Per the fair credit reporting act the company and the reporting agency gettogether and research the information once one disputes. Santander claims that they are reporting the same information to all three bureaus. I find that odd considering that one of the bureaus, and I have several hard copies as proof of all three bureau reports, one credit bureau has the balance as {$0.00} and the account as closed. Santander claims the reason for the different balances has to do with me disputing this account. That makes no logic whatsoever. Consider the fact that seeing the information being reported wrong is what made me dispute the information. Meaning, the information was already wrong prior to me disputing. Santander claims that the bureaus interpret the reported information they way they see fit. I dont see how {$15000.00} can be intepreted as {$0.00} At this juncture, because Ihave tried to rectify this erroneous account with Santander several times, and there is a legal paper trail of proof, I now have a right to file a suit for damages if they do n't instruct the three agencies to delete this account off of my credit report. Not update, but delete. Thank you
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX 2017 I purchased a car from XXXX XXXX in XXXX La. I found out that the dealer listed my income as {$85000.00} to get the loan approved. I only make {$36000.00}. I thought the loan company would not approve a loan out of my payment ability. The loan was approved by Chrysler capital. The dealer claims I had income I did not report to IRS. I am a XXXX XXXX XXXX veteran. I now have to let the car go. This is going against me. They did this on two cars in one day. The dealer new I was a vet drawing XXXX. They do n't even require proof of income, this seems to be standard practice for them. The second car through XXXX XXXX XXXX.
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-31
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My car was reposted and has been in their custody. I have been trying to find the money and resources to get my car back even trying to call them on a regular to see what my options were. I called Santander on XXXX XXXX, 2017 to see what my best option was as I could not come up with the full amount. I was told that if I made a payment of XXXX which is the monthly payment of the car, I would get an additional 10 days to come up with the rest. I accepted the offer. The representative then asked me if I would be making that payment that day, I told him if I received the funds from my mom who was aiding me I will as I was waiting for a check. The representative then said ok. He did not notify me that he had already given me the 10 days extension. In my mind and from what he told me I had to make the payment first before receiving the extension. He went ahead and gave me an extension without my knowledge. So when I called back on Friday XX/XX/XXXX with two months worth of my payment, I was told the extension was already given. The problem with that is, I needed that extension so come up with the rest of the money. Without him telling me that and informing me, it messed up my whole plan towards insuring I get my car back. I called back and tried to work with them and speak to a manager and I was told I had to make a payment by XX/XX/XXXX or the cost would go up. I have struggled to come up with what was needed and what I was told only to be told something else. It 's been like that the past month. With this company. It 's not fair that the representative did not communicate that with me. He should have told me he had given me an extension already, so I know the days and the time I needed to make my payment by. It 's not my fault that he did not communicate that with me, it would have made things easier for me knowing my options.
Company Response:
State: OK
Zip: 73069
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have had my vehicle for 3 years and dealing with Chrysler capital has been nothing short of disastrous. Instead of processing their own payments they use XXXX XXXX which repeatedly screws up payments. I specify that the payment come out of one account and instead these people put the payment through on the wrong account resulting in me being charged hundreds of dollars of overdraft fees. To top it off they then make it so I can only pay via debit card and then charge me a fee to screw up the payments. I am so disgusted with this company that I am looking at ways to refinance my car to get away from this company but now because of their inability to process payments correctly my credit is probably going to be negatively impacted. Not to mention that they repeatedly harass my elderly father instead of calling me and are going to mess up his perfect credit.
Company Response:
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2017-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I leased a vehicle from XXXX, my wife decided she wanted a different car, ( bigger ). I returned to Reedmans and asked what can be done? I was returning the lease 9 months early ( XXXX of 2017 ). The salesman stated that they would have to do an inspection of the vehicle first before anything else. After the inspection the salesman stated we are good to go, I do not owe anything on the lease. We then proceed to fiance a different vehicle. XXXX 2017 I received a call from Chrysler Capital ( XX/XX/XXXX. ), ( the company that XXXX used for the lease ), and stated I owe them {$690.00} dollars for wear and tear and they sent me the bill. I did not receive a bill from them. They stated I could make the payment right over the phone and I informed them I will not pay. XXXX did the inspection and said I owe nothing. They then stated they will send out another bill and I would have to negotiate with XXXX. I informed the person on the phone that that was already done when they did the inspection. They stated they will not contact XXXX for any payment. I called XXXX twice, both times leaving messages, explaining the issue in detail. I have not received any call back. I sent an email explaining the issue in detail. I have not received any response. I want this issue resolved, I do not want it affecting my credit. I believe I am being scammed by both of these companies and something needs to be done about it. {$690.00} dollars may be peanuts to these XXXX dollar companies but to me and my family its a large amount!
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-29
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XX/XX/XXXX : Purchased vehicle from XXXX XX/XX/XXXX : I was behind on a payment. Santander Consumer USA contacted my grandparents ( not a reference ). They compromised my information by providing the amount and the time I was behind. ( They assumed it was me on the phone due to not clearly hearing due to connection. They did not ask for any other information verify it was me they were speaking to. ) I contacted the company and my complaint was sent to several different levels of the company. XX/XX/XXXX/XX/XX/XXXX : I spoke with the VP of The Office of the President, where he set me up on a financial assistance plan for 6 months. This would lower my interest rate, but extend my contract to eight years. This did not lower the amount contracted. It only gave me assistance for a few months. XX/XX/XXXX : I am behind on a loan. I called to seek assistance, which a manager granted, if I would pay {$200.00}. The assistance would push two months payments to the back of the loan, allowing me to become completely caught up ( when I recieve regular paychecks again ). When I called the next day, the company would not honor the request and said I needed to pay more.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2017-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I The consumer selected a vehicle on line offered for XXXXThe dealer increased the price to XXXX Unaware that the total loan of 72mo =XXXX. As of XXXX2017 the pay is XXXX. Paying XXXX/no. ,
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
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: On XXXX XXXX 2017, I processed an end of lease purchase in the amount of {$17000.00}. The contract obligation was for {$15000.00} with sales tax of {$1000.00}. When I finally received the title 2 weeks later and attempted to process a PA title transfer I was told I needed to pay sales tax as Chrysler had not paid it to the state of Pennsylvania. Here is when the nighmare begins. I have contacted Chrysler Capital/Santander almost daily since XX/XX/XXXX trying to have them take accountability for the whereabouts of what is essentially an overpayment of {$1400.00}. No accountability. No ownership. I submitted a written complaint to the Office of the President on XX/XX/XXXX and since then I 've had nothing but " pass the buck '' unaccountably. I was finally told on XX/XX/XXXX ( albeit 48 days since my formal inquireies commenced ) that they " misquoted my payoff tax for the state of NJ and that the accounting department was trying to figure this all out. '' I live in Pennsylvania. As I attempt to uncover the mysteries of what happened to the {$1400.00}, I am constantly volleyed between customer service reps. Managers and executive in the office of the president are " not at their desks '' when I demand escalation. I 've called daily since XX/XX/XXXX to check on the status when the reps tell me they will call me back and never do. Each time I get a hold of my inept " case manager '' as he apologizes profusely for not calling me back and constantly states " we are working on it, '' or " its stuck in accounting '' and when I press for escalation I get " my manager is away from her desk. '' My frustration grows daily over the gross inadequacy of this company. All I 've been asking for is a resolution to this matter and all I seem to get is a dead end.
Company Response:
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: DEFAMATION OF CHARACTER Notice of pending litigation seeking relief of monetary damages under FCRA Section 616 + Section 617. Final written attempt to amicably resolve your continued willful violation of the Fair credit reporting act regarding your refusal to delete all of the UNVERIFIED/INACCURATE account information from my consumer file. Despite my three written request items listed still remain on my credit report in violation of Federal law. In the results of your reinvestigation you stated in writing " VERIFIED '' that these items are being " Reported Correctly ''. You still have not identified who verified accuracy and how the accounts were verified.
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2017-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: From a dealer, I purchased a vehicle. At the time, I had a XXXX average credit score. Salamander Consumer USA levied a 22 % loan for {$17000.00} loan. The payment on this loan, turns out, is too much for me. I am privileged to information that this Bank has several branches in XXXX. Now, the PESO is of a price that the assets Santander are 50 % undervalued, therefore, they have, essentially doubled the usual interest rate for a XXXX Score. It is miserable dealing with a Foreign Bank. Santander is a XXXX bank with offices in the US. Everybody says that the interest is too much for my score ... .NEVER DEAL WITH FOREIGN BANKS!!
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A