Date Received: 2021-11-16
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: NOT abusive language, but a language problem. Received a call from " Chrysler Capital Lease Loyalty, '' asking for me by my full first and last name. They said they wanted to ask me a few questions about my recent leased vehicle. Asked me to verify the vehicle I leased, my date of birth ( I refused ), and then my mailing address. Only then did they identify themselves as a debt collector attempting to collect a debt. If I had known they were a debt collector up front, I would not have given them my information and would have told them to stop calling me and hung up. If they had started the call by identifying themselves as Chrysler Capital collections, or XXXX XXXX, or anything like that, it would have been fair. Identifying themselves as " Lease Loyalty '' makes it sound like they're conducting a survey or something, making consumers more likely to stay on the phone. This smells of hiding their true purpose. Additionally, the debt in question was a lease-end payment, the total of which was determined less than 90 days ago. I couldn't afford to make the whole payment at once and had split it into three payments. Two had been made, and the third was actually made a few days before this call, though it hadn't posted yet. Sending collectors after a debt that's less than 90 days past due, with payments made along the way, is just bad business. Note that there had been no written communication, no statements sent after the initial one indicating that any payments had been made or what the updated balance was. Furthermore, my credit report shows less than the actual balance owing, the Chrysler Capital website shows a different amount less than actual balance owing. I have no way other than my own accounting to know what the true balance due was - the amount the collector agreed was the balance. They never sent me anything that showed I owed the amount that was actually still due on the account or asking for that payment.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander is attempting to collect an alleged {$16000.00} deficiency balance I am not obligated to pay. I disputed the legal validity of the alleged {$16000.00} deficiency balance, requested verification of the alleged debt, including the name and address of the original creditor. They have not provided me with the required notices before disposition of collateral, and explanation of calculation of deficiency as required under the law. As per the law I requested that they cease and desist all collection activity including all credit reporting. I promptly request deletion of all and any credit reporting to the credit reporting agencies and to write or email once to confirm their compliance with my demand within 14 days. They responded within the allotted time, however they failed to provide me with the following documents that I have requested : 1. Verification of the alleged debt ( i.e., name and address of the original creditor and a copy of any signed contract or agreement with the original creditor. 2. Proof that they cease collection and deleted credit reporting of the deficiency. They have now sent ( a ) notice of disposition of collateral and ( b ) explanation of deficiency, however I told them I need proof like a Usps tracking # or an affidavit of mailing by the representative who sent it when it was suppose to send.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I noticed an unauthorized inquiry on my consumer report and according to FCRA legally these unverified an unauthorized items must be removed. They never got permissible permission to report without my consent and I never consent anything 15 USC1681.
Company Response:
State: FL
Zip: 33801
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : 8 am 11 pm EST Closed on major U.S. holidays XXXX Reported on XX/XX/XXXX {$11000.00} Dispute Reasons Accuracy : This account is too old to be on my credit report. This account is closed.
Company Response:
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Hello, My vehicle was wrongfully repossessed on the date of XX/XX/21 at XXXXXXXX XXXX on private property. I contacted the company to get my vehicle back. They gave me the information to collect my belongings. They did not state what belongings were in the car when they repossessed it. Once I arrived to get my belongings, Multiple items from my car were stolen, My guitar was passed down from generations, other music equipment, my daughter 's car seat, speakers, and even jewelry I left. The company stated I would have to pay the fees owed and deal with the tow company. Which I did, and they still did not help me or explain where my items were. I was informed to contact the company I received the car from and inform them. They did not help me. I have sent them a cease and desist to not contact me, along with a debt validation letter. Which they did not validate. I get contacted and harassed by the company on a daily and weekly basis through letters, phone calls, and emails since I've started the dispute. This is completely unfair and inhumane to do, especially in the state of the world right now.
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: CHRYSLER CAPITAL VIOLATED MY CEASE AND DESIST LETTER 15 USC 1692C ( C ) BY SENDING ME A POST CARD HARASSING AND THREATENING ME THAT THEY WILL REPOSSESS MY PROPERTY. THEY ALSO VIOLATED 15 USC 1692 D IN RUINNI MY REPUTATION WITH PUTTING A LATE PAYMENT ON MY CREDIT AND THE THREAT OF STEALING FROM ME. ALSO 18 USC 8 STATE ALL MY DEBTS WERE ASSUME BY THE UNITED STATE SO HOW DO I OWE THEM A DEBT
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I financed a car from XXXX XXXX XXXX XXXX with 2 extra coverages.It was totaled 3 weeks later. I informed XXXX and was told the policies would be canceled. For two months I was in contact with the dealership almost weekly and was informed I could pick out another car, which I did. I was informed a week later that I was not approved and had to return my vehicle. Fast forward to XXXX I checked my credit report to find I still owed a balance to the finance company Santander Consumer USA. After disputing and contacting them I was informed XXXX XXXX XXXX XXXX never canceled my original policies on the vehicle that was totaled. I was informed by XXXX XXXX that they could only issue out one check and that the other had expired and there was nothing he could do. I hired an attorney and informed Mr.XXXX of this decision and was told they would reissue both checks so we wouldn't have to go to court. I waited over a year and they finally issued the last check XXXX of XXXX. The account has been fully paid off but still has a balance on my credit report. I have called Santander and they only issue me a paid in full letter but will not report that it is paid in full. I have disputed this with each credit Bureau with the paid in full letter but the balance still remains.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: MY CAR XXXX XXXX XXXX XXXX XXXX WAS PICKED UP AT MY HOME AT XXXX XXXX XXXX XXXX XXXX MARYLAND ON XX/XX/XXXX. I NEVER RECEIVED ANY LETTER INFORMING ME ABOUT A REPOSSESSION. I WAS TOTALLY SURPRISED! WHY? BECAUSE, I HAD COMPLAINED TO MR XXXX XXXX THE DIRECTOR AND OTHER STAFF MEMBERS SEVERAL TIMES ABOUT MY PAYMENTS MISSING IN THEIR SYSTEM. FURTHER TO THAT I HAD SUBMITTED A COMPLAIN TO CHRYSLER CAPITAL SEVERAL TIMES ABOUT THE UNPROFESSIONAL MANNER IN WHICH THEY HANDLE MY PAYMENTS. CURRENTLY I WORK IN WASHINGTON DC AND LIVE IN XXXX MARYLAND WHICH IS OVER AN HOUR AWAY. AS A RESULT OF THE REPOSSESSION OF MY CAR I WILL BE UNABLE TO GO TO WORK RIGHT NOW. THEY HAVE ALSO SET A DATE TO SELL MY CAR AS XX/XX/XXXX. KINDLY INTERVENE SO I CAN MAKE PART PAYMENTS TO COLLECT MY CAR, CONTINUE MY JOB AND TRY TO UPDATE MY PAYMENTS. I HAVE ALSO RECENTLY GOT A WEEKEND JOB WITH XXXX XXXX ALL IN A BID TO PAY OFF MY BILLS. I FEEL THAT I HAVE BEEN TREATED UNFAIRLY.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A