Santander Consumer USA Reviews (%countItem)
Santander Consumer USA Rating
Address: 1601 Elm St. STE 800, Dallas, Texas, United States, 75201-4701
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Company refuses to sent Release of Lien called 3 times and have not receive the release of lien called 12-31-19 and was told 3rd party sends them out
Company refuses to sent Release of Lien called 3 times and have not receive the release of lien called 12-31-19 and was told 3rd party sends them out
Was told would have to wait 20 days for them to send out another release of lien.
Michigan is a title holding state they only need to send out a release of lien not pay for a duplicate title.
Company refuses to send of release of lien and advised must East 20 days from dec 20th before they will send out release of lien
Have received other documents from Santander consumer USA but not a release of lien Company refuses to sent Release of Lien called 3 times and have not receive the release of lien called XX-XX-XX and was told 3rd party sends them out
Please send release of lien I shouldn't have to wait 20 days because Santander consumer USA can not get it sent out. Issue is between Santander consumer USA and there 3rd party release of lien department not me
January 8, 2020
***
***
*** XXXXX
Re: Revdex.com Case No: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com) regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We apologize for any issues you encountered when attempting to reach us. Our customer concerns are important to us and we appreciate your feedback. Our records show that a final payment in the amount of $143.84 was received and was applied to your account with an effective date of December 5, 2019.
Enclosed are copies of the account Payment History for your review indicating the account zero balance.
We apologize for the delay in sending you the release of lien to your vehicle. Our customer's concerns are important to us and we appreciate your feedback in this matter.
Our records indicate that the Release of lien for the vehicle is being sent via FedEx under via tracking XXXX XXXX XXXX under separate cover letter to your address noted above of: ***, *** XXXXX. We now consider this matter resolved.
We apologize if you feel that you have been treated in an unprofessional manner, and hope this information has addressed all of your concerns. If further assistance is needed, please contact us directly at (888) 222-4227 and request the Titles Department.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
Refuses to accept payments any way online. Will not allow to set up auto pay.
For over a year now I have been on a payment restriction from Santander. I had a repossession in February 2019, which I payed and redeemed the vehicle. I was told after four payments via an agent on the phone my account would be returned back to normal. I have made over 10 payments. This creates a problem, and they charge $9.95 per payment and I can only pay during hours their call center is open. I need to be able to pay from my checking account or set up auto pay which they will not allow. I have called them numerous times regarding this, each time being told it will be passed up to supervisor to be completed. I have filed complaints with Santander Consumer and they refuse to acknowledge them or contact me back.
Place my account back into a normal payment status, and allow me to make payments online, through my checking account, and the option to allow autopay.
January 14, 2020
***
***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that on December 14, 2016, you entered into a Retail Installment Sale Contract (Contract), with Balise Toyota of Warwick (Dealership), in connection with the purchase of a 2013 Toyota Camry (Vehicle). The amount financed was $11,386.95 at an APR of 18.00%. The payment schedule called for 72 monthly payments of $261.50 each, with the first payment due on January 28, 2017. The Contract was assigned to Santander.
Our records indicate that the Vehicle associated with the account was repossessed on February 6, 2019 due to past due payments when the account became 111 days past due. You subsequently redeemed the Vehicle on February 11, 2019, after we received a payment of $1,646.35 to reinstate the account.
Regarding previous complaints on payment issues, a review of the account indicates that on December 5, 2018 a payment block was placed on your account, due to the reason that over $8,500.00 in submitted payments were returned by your financial institution. Due to the block, only certified payments were accepted on the account from that point forward.
Although an account can be reviewed, reinstatement to regular payments is not guaranteed. We are unable to corroborate your statement that you were informed that regular payments would be accepted after making 4 months of payments nor do we have any record of receipt of a written complaint on this matter.
Our records further indicate that in an effort to assist you, on December 19, 2019 a request to remove the payment block on your account was submitted. The payment block was subsequently removed on or around January 10, 2020 and an Executive Office representative confirmed this with you.
As of the date of this correspondence, we show that the account is past due 57 days from the payment due on November 18, 2019.
Please be advised that Santander utilizes Western Union's Speed Pay Services, which grants our customers the opportunity to pay electronically via ACH or debit card. The following are the payment fees:
Payment made online using Checking/Savings Account: Free
Payment made via our automated phone payment system using Checking/Savings Account: Free
Payment made via our automated phone payment system using a Debit Card: $3.75
Payment made online using a Debit Card: $2.75
Payment made with a representative: $10.95
These fees are assessed and paid each time an electronic payment is submitted and fees do not accrue interest. Please note that payment fees are charged by Western Union's Speed Pay Services and Santander does not profit from these fees. Please visit www.santanderconsumerusa.com for all ways in which you can make a payment and the fees associated with each payment method.
At this time we believe this issue has now been resolved.
We have enclosed copies of the account Contract and Payment History for your records.
We hope that the written explanation we have provided above regarding the account is helpful to you. If further assistance is needed, please contact us directly at (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she ACCEPTED the response from the business.)
Company refuses to sent Release of Lien called 3 times and have not receive the release of lien called 12-31-19 and was told 3rd party sends them out
Company refuses to sent Release of Lien called 3 times and have not receive the release of lien called 12-31-19 and was told 3rd party sends them out
Was told would have to wait 20 days for them to send out another release of lien.
Michigan is a title holding state they only need to send out a release of lien not pay for a duplicate title.
Company refuses to send of release of lien and advised must East 20 days from dec 20th before they will send out release of lien
Have received other documents from Santander consumer USA but not a release of lien Company refuses to sent Release of Lien called 3 times and have not receive the release of lien called XX-XX-XX and was told 3rd party sends them out
Please send release of lien I shouldn't have to wait 20 days because Santander consumer USA can not get it sent out. Issue is between Santander consumer USA and there 3rd party release of lien department not me
January 8, 2020
***
***
*** XXXXX
Re: Revdex.com Case No: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com) regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
We apologize for any issues you encountered when attempting to reach us. Our customer concerns are important to us and we appreciate your feedback. Our records show that a final payment in the amount of $143.84 was received and was applied to your account with an effective date of December 5, 2019.
Enclosed are copies of the account Payment History for your review indicating the account zero balance.
We apologize for the delay in sending you the release of lien to your vehicle. Our customer's concerns are important to us and we appreciate your feedback in this matter.
Our records indicate that the Release of lien for the vehicle is being sent via FedEx under via tracking XXXX XXXX XXXX under separate cover letter to your address noted above of: ***, *** XXXXX. We now consider this matter resolved.
We apologize if you feel that you have been treated in an unprofessional manner, and hope this information has addressed all of your concerns. If further assistance is needed, please contact us directly at (888) 222-4227 and request the Titles Department.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
My 2011 MKS Lincoln car got repo Oct 31, two months behind. I got car back Nov 9,2019 spend over $2,900. Got November 14, 2019 statement saying that my next payment is due 1/09/2020. Santander had been calling me the whole month of December saying that now I own a payment. Purchased car 2016 cost: $18.xxx now balance is $14,507 it seen like I will never pay this vehicle off, because of high interest rate, principles and other fees. Santander is in violation FDCPA 1692 and CONSUMER fraud.
Product_Or_Service: Lincoln
Other (requires explanation) My 2011 MKS Lincoln car got repo Oct 31, two months behind. I got car back Nov 9,2019 spend over $2,900. Got November 14, 2019 statement saying that my next payment is due 1/09/2020. Santander had been calling me the whole month of December saying that now I own a payment. Purchased car 2016 cost: $18.xxx now balance is $14,507 it seen like I will never pay this vehicle off, because of high interest rate, principles and other fees. Santander is in violation FDCPA 1692 and CONSUMER fraud.
January 13, 2020
*** M. ***
2668 Daman Ct.
Saint Louis, MO XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***7679
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on December 7, 2015 in connection with the purchase of a 2011 Lincoln MKS (Vehicle). The amount financed was $18,494.50 at an annual percentage rate (APR) of 25.57%. The payment schedule called for 72 monthly payments of $504.68 each, with the first payment due on January 6, 2016. The Contract was assigned to Santander.
Santander sets the interest rate based on many factors including but not limited to the current value of the Vehicle, the applicants' credit worthiness, and their credit rating. We propose financing which the applicant may accept or reject at the time the contract is signed. We have confirmed that the APR on your Contract is within the allowable state limits.
Please note that the amount financed of $18,494.50 indicated on your Contract does not include interest and or fees assessed to the account. Please note that as stated in the Truth in Lending Disclosures on Page 1 of the Contract, the total amount you would have paid if payments were received as scheduled is indicated as $36,336.96. This is the amount you would have paid, if all payments were made according to the 72 month payment schedule set forth in the Contract.
After a review of the information provided in the complaint, we are unable to substantiate that you were treated unfairly and found no evidence that Santander violated Fair Lending laws in the origination or servicing of the account. Additionally, we were not provided any evidence that you were discriminated against or treated differently than other customers based on any protected classification.
Our records indicate that a letter titled "Second Notice of Right to Cure Default" (RTC) dated September 24, 2019 was mailed to you at the address on file, stating that the account was in default and if not cured by October 18, 2019, we would take possession of the Vehicle. The default was not cured and the Vehicle was repossessed on October 31, 2019 when the account was 88 days past due.
After the repossession, we mailed you a letter titled, "Notice of Our Plan to Sell Property" (NOI) dated October 31, 2019 to the address on file stating the deadline for reinstatement was November 14, 2019.
A review of the account indicates that on November 9, 2019 a payment totaling an amount of $2,913.57 posted to the account effective October 9, 2019 in order to redeem the Vehicle. The payment was applied to payments due August 4, 2019, September 4, 2019, October 4, 2019, November 4, 2019 and December 4, 2019. The Vehicle was redeemed on or about November 11, 2019. The account then indicated the next due date of January 4, 2019.
On December 9, 2019, the previous payment in the amount of $2,913.57 was reversed and was reapplied as follows: $1,535.98 toward interest, $482.74 toward principal, $424.85 toward late fees, $385.00 toward repossession fees and $85.00 toward miscellaneous fees. After the reapplication of the payment the account indicated a due date of December 4, 2019. The reversal was completed in order to satisfy the payment of repossession fees and late fees assessed to the account. This is stated on the Multi-State Vehicle Release form a copy of which is enclosed.
Please note that Billing Statement dated December 15, 2019 indicated some of the reversals and reallocations that were processed for the account. We apologize for any misunderstanding this may have caused. It may take an additional billing cycle for all of the reallocations to be listed.
Additionally, a payment in the amount of $505.00 posted to the account effective January 6, 2020 and advanced the next due date to January 4, 2020.
Santander contacts its customers in an effort to assist them in keeping their account current. You may contact us at the telephone number listed below to request the account be placed into a "do not call" status so that no calls we will made to you regarding the account. We apologize for any inconvenience.
Enclosed is a copy of the account Contract, Legal Notices, Multi-State Vehicle Release and Payment History.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at X(XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
My 2011 MKS Lincoln car got repo Oct 31, two months behind. I got car back Nov 9,2019 spend over $2,900. Got November 14, 2019 statement saying that my next payment is due 1/09/2020. Santander had been calling me the whole month of December saying that now I own a payment. Purchased car 2016 cost: $18.xxx now balance is $14,507 it seen like I will never pay this vehicle off, because of high interest rate, principles and other fees. Santander is in violation FDCPA 1692 and CONSUMER fraud.
Product_Or_Service: Lincoln
Other (requires explanation) My 2011 MKS Lincoln car got repo Oct 31, two months behind. I got car back Nov 9,2019 spend over $2,900. Got November 14, 2019 statement saying that my next payment is due 1/09/2020. Santander had been calling me the whole month of December saying that now I own a payment. Purchased car 2016 cost: $18.xxx now balance is $14,507 it seen like I will never pay this vehicle off, because of high interest rate, principles and other fees. Santander is in violation FDCPA 1692 and CONSUMER fraud.
January 13, 2020
*** M. ***
2668 Daman Ct.
Saint Louis, MO XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***7679
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that you entered into a Retail Installment Sale Contract (Contract) on December 7, 2015 in connection with the purchase of a 2011 Lincoln MKS (Vehicle). The amount financed was $18,494.50 at an annual percentage rate (APR) of 25.57%. The payment schedule called for 72 monthly payments of $504.68 each, with the first payment due on January 6, 2016. The Contract was assigned to Santander.
Santander sets the interest rate based on many factors including but not limited to the current value of the Vehicle, the applicants' credit worthiness, and their credit rating. We propose financing which the applicant may accept or reject at the time the contract is signed. We have confirmed that the APR on your Contract is within the allowable state limits.
Please note that the amount financed of $18,494.50 indicated on your Contract does not include interest and or fees assessed to the account. Please note that as stated in the Truth in Lending Disclosures on Page 1 of the Contract, the total amount you would have paid if payments were received as scheduled is indicated as $36,336.96. This is the amount you would have paid, if all payments were made according to the 72 month payment schedule set forth in the Contract.
After a review of the information provided in the complaint, we are unable to substantiate that you were treated unfairly and found no evidence that Santander violated Fair Lending laws in the origination or servicing of the account. Additionally, we were not provided any evidence that you were discriminated against or treated differently than other customers based on any protected classification.
Our records indicate that a letter titled "Second Notice of Right to Cure Default" (RTC) dated September 24, 2019 was mailed to you at the address on file, stating that the account was in default and if not cured by October 18, 2019, we would take possession of the Vehicle. The default was not cured and the Vehicle was repossessed on October 31, 2019 when the account was 88 days past due.
After the repossession, we mailed you a letter titled, "Notice of Our Plan to Sell Property" (NOI) dated October 31, 2019 to the address on file stating the deadline for reinstatement was November 14, 2019.
A review of the account indicates that on November 9, 2019 a payment totaling an amount of $2,913.57 posted to the account effective October 9, 2019 in order to redeem the Vehicle. The payment was applied to payments due August 4, 2019, September 4, 2019, October 4, 2019, November 4, 2019 and December 4, 2019. The Vehicle was redeemed on or about November 11, 2019. The account then indicated the next due date of January 4, 2019.
On December 9, 2019, the previous payment in the amount of $2,913.57 was reversed and was reapplied as follows: $1,535.98 toward interest, $482.74 toward principal, $424.85 toward late fees, $385.00 toward repossession fees and $85.00 toward miscellaneous fees. After the reapplication of the payment the account indicated a due date of December 4, 2019. The reversal was completed in order to satisfy the payment of repossession fees and late fees assessed to the account. This is stated on the Multi-State Vehicle Release form a copy of which is enclosed.
Please note that Billing Statement dated December 15, 2019 indicated some of the reversals and reallocations that were processed for the account. We apologize for any misunderstanding this may have caused. It may take an additional billing cycle for all of the reallocations to be listed.
Additionally, a payment in the amount of $505.00 posted to the account effective January 6, 2020 and advanced the next due date to January 4, 2020.
Santander contacts its customers in an effort to assist them in keeping their account current. You may contact us at the telephone number listed below to request the account be placed into a "do not call" status so that no calls we will made to you regarding the account. We apologize for any inconvenience.
Enclosed is a copy of the account Contract, Legal Notices, Multi-State Vehicle Release and Payment History.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at X(XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
This auto leasing company did not offer me any assistance during my financial and personal hardships that I was going through at home. Causing me to fall behind on my lease payments. While also ruining my credit to the point where I cant even buy a house for my family.
Product_Or_Service: Auto lease
Other (requires explanation) I Just want my credit to be fixed from the months of December 2018 - August 2019. I never want to do business with this leasing company ever again. Its been a horrible experience trying to reason with these people. No assistance for a government employee who risks his life everyday protecting the very same people who didn't offer me a hardship assistance.
January 9, 2020
*** B. ***
*** Rd.
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
According to our records, you entered into a Motor Vehicle Lease Agreement (Lease) as Lessee on June 3, 2016, with Potamkin Planet Dodge (Dealership) to lease a 2016 Dodge Challenger (Vehicle). The Lease was assigned to CCAP Auto Lease Ltd. and was serviced by Chrysler Capital.
Our records show your Lease was scheduled for termination on November 18, 2019, and was grounded on November 18, 2019.
In reference to assistance on your account, our records indicate that we previously granted a due date change on July 25, 2016 and a 2 month extension to your account on September 26, 2017. Our records further indicate that on March 18, 2019 you contacted Chrysler Capital requesting an extension due to a government shutdown. At that time the Customer Service Representative discussed the process with you and you decided you would attempt to make a payment to avoid complicating the Lease, therefore no extension was submitted or processed.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
Based on the information provided, on January 9, 2020, Chrysler Capital submitted an update to advise all the credit reporting agencies to show the account as Paid/Closed Current as of November 19, 2019, with prior delinquencies of 9 times 30 days late (Jan., Feb., March 2019 - May, July, Aug., Oct., Nov., Dec., 2018) and 5 times 60 days late (April, May, June, July and August 2019).
The update was submitted under AUD #XXXXXXXX which is the number you may use for any contact you may have with the credit reporting agencies to confirm the update. Please allow up to 30 days for the update to be completed.
We respectfully decline to make any further updates to the information being reported to the credit reporting agencies as the information reported matches our records.
Enclosed is a copy of the Lease Agreement and Payment History.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact our Allegiance Team directly at 1(855) 383-0558.
Sincerely,
CHRYSLER CAPITAL
Enclosure
This auto leasing company did not offer me any assistance during my financial and personal hardships that I was going through at home. Causing me to fall behind on my lease payments. While also ruining my credit to the point where I cant even buy a house for my family.
Product_Or_Service: Auto lease
Other (requires explanation) I Just want my credit to be fixed from the months of December 2018 - August 2019. I never want to do business with this leasing company ever again. Its been a horrible experience trying to reason with these people. No assistance for a government employee who risks his life everyday protecting the very same people who didn't offer me a hardship assistance.
January 9, 2020
*** B. ***
*** Rd.
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
According to our records, you entered into a Motor Vehicle Lease Agreement (Lease) as Lessee on June 3, 2016, with Potamkin Planet Dodge (Dealership) to lease a 2016 Dodge Challenger (Vehicle). The Lease was assigned to CCAP Auto Lease Ltd. and was serviced by Chrysler Capital.
Our records show your Lease was scheduled for termination on November 18, 2019, and was grounded on November 18, 2019.
In reference to assistance on your account, our records indicate that we previously granted a due date change on July 25, 2016 and a 2 month extension to your account on September 26, 2017. Our records further indicate that on March 18, 2019 you contacted Chrysler Capital requesting an extension due to a government shutdown. At that time the Customer Service Representative discussed the process with you and you decided you would attempt to make a payment to avoid complicating the Lease, therefore no extension was submitted or processed.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
Based on the information provided, on January 9, 2020, Chrysler Capital submitted an update to advise all the credit reporting agencies to show the account as Paid/Closed Current as of November 19, 2019, with prior delinquencies of 9 times 30 days late (Jan., Feb., March 2019 - May, July, Aug., Oct., Nov., Dec., 2018) and 5 times 60 days late (April, May, June, July and August 2019).
The update was submitted under AUD #XXXXXXXX which is the number you may use for any contact you may have with the credit reporting agencies to confirm the update. Please allow up to 30 days for the update to be completed.
We respectfully decline to make any further updates to the information being reported to the credit reporting agencies as the information reported matches our records.
Enclosed is a copy of the Lease Agreement and Payment History.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact our Allegiance Team directly at 1(855) 383-0558.
Sincerely,
CHRYSLER CAPITAL
Enclosure
Would leave zero stars if I could.Worst customer service ever. Financed my car through Chrysler Capital, Had a certified fund alert put on my account in May 2019, had to pay through a representative since then, made a payment in November, sent them a message asking if could get certified fund alert took off, next day I called to make payment and they told me I could only make payment through western union or money gram due to the certified fund alert, said it went into affect the same day I sent email asking about getting it removed said ti was policy when alert was issued but they had been taking my payment ever since the alert got put on in May over the phone. Talked to supervisor who said he could not do nothing said accounting department put the alert on there asked to speak to them he said they do not speak to customers.They absolutely do not care about their customers, biggest waste of company ever, definitely will not ever finance through them again and will definitely be trying to refinance through a different place. They do not work with their customers on nothing and just want to always give the run around and half the time the people that you do talk to can not even speak English. The company should not be in business at all.
Would leave zero stars if I could.Worst customer service ever. Financed my car through Chrysler Capital, Had a certified fund alert put on my account in May 2019, had to pay through a representative since then, made a payment in November, sent them a message asking if could get certified fund alert took off, next day I called to make payment and they told me I could only make payment through western union or money gram due to the certified fund alert, said it went into affect the same day I sent email asking about getting it removed said ti was policy when alert was issued but they had been taking my payment ever since the alert got put on in May over the phone. Talked to supervisor who said he could not do nothing said accounting department put the alert on there asked to speak to them he said they do not speak to customers.They absolutely do not care about their customers, biggest waste of company ever, definitely will not ever finance through them again and will definitely be trying to refinance through a different place. They do not work with their customers on nothing and just want to always give the run around and half the time the people that you do talk to can not even speak English. The company should not be in business at all.
traded in a vehicle this company had the lean on.Vehicle is ours for2weeks.They were called&documented. They took551.00for payment w/o permission
Traded 12/7 with payoff of $7500.00. On 12/21 payment pulled for $551.00 from checking account. When called on 12/21 Santander rep reported they had no idea we no longer owned the truck(2011 F150) and we had auto pay set up. I informed them on 12/7 myself and the dealer called informing them we would no longer be owning the truck or have an account both callers said it would be documented on the account so they could wait for a pay off check. Two weeks later when called to request a refund I am told we need to fax information as they cannot receive it via mail or email and that it can take up to 14 business days to process if they even want to pay the refund&that cancelling auto pay takes 30days. Santander stated on 12/21 there is no way they're system could have glitched causing this issue.
Due to not expecting this money to be pulled from out checking account we have now gone in to OD and will not be able to make a house payment or put gas in our cars to get to and from work as we did not authorize an auto pull from this lender.
January 3, 2020
***
XXXX Xrd *** S.
Great *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your complaint submitted through Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that on November 14, 2019 you signed up for payments to be automatically withdrawn from your bank account on the 18th of each month in the amount of $551.45. Please note that you must cancel AutoPay either verbally or in writing in order for the automatic payments to stop. Our records do not indicate that you made a request for the automatic payments to stop. Please contact our Customer Service Department at the telephone number provided below to ensure that payments are no longer withdrawn from you bank account. It may take 3 business days to process a stop request.
In addition, our records do not indicate that you spoke with our office on December 7, 2019, as you requested a payoff quote through the internet. We spoke with Taylor's Auto Max (Dealership) on that same date, but they only requested a payoff quote.
In reviewing the payment history, an automatic payment posted to the account on December 18, 2019, in the amount of $551.45. At that time no payoff funds had been received and your regularly scheduled payment was due on that date.
On December 21st and December 23rd, 2019 you contacted our office regarding the payment that was drawn from your account. It was explained to you during these calls that we had not yet received the payoff for the account and that the account was set up on AutoPay.
Our records further indicate that on December 29, 2019 a payoff from the Dealership posted to the account in the amount of $7,716.00. Please understand that although the payoff check was dated December 11, 2019, it was not mailed until December 23, 2019, per the postmark on the check envelope. A copy of the envelope is enclosed for your review.
After a review of this matter, we have confirmed that automatic payments were authorized on the account and the payoff for the account was not mailed until December 23, 2019. Please note that an overagerefund is being processed on the account in the amount of $529.88. We apologize for any inconvenience this matter may have caused.
Enclosed is a copy of the payment history and payoff check envelope.
Thank you again for for allowing us the opportunity to address your concerns. If further assistance is needed please contact us directly at 1(888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
traded in a vehicle this company had the lean on.Vehicle is ours for2weeks.They were called&documented. They took551.00for payment w/o permission
Traded 12/7 with payoff of $7500.00. On 12/21 payment pulled for $551.00 from checking account. When called on 12/21 Santander rep reported they had no idea we no longer owned the truck(2011 F150) and we had auto pay set up. I informed them on 12/7 myself and the dealer called informing them we would no longer be owning the truck or have an account both callers said it would be documented on the account so they could wait for a pay off check. Two weeks later when called to request a refund I am told we need to fax information as they cannot receive it via mail or email and that it can take up to 14 business days to process if they even want to pay the refund&that cancelling auto pay takes 30days. Santander stated on 12/21 there is no way they're system could have glitched causing this issue.
Due to not expecting this money to be pulled from out checking account we have now gone in to OD and will not be able to make a house payment or put gas in our cars to get to and from work as we did not authorize an auto pull from this lender.
January 3, 2020
***
XXXX Xrd *** S.
Great *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your complaint submitted through Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that on November 14, 2019 you signed up for payments to be automatically withdrawn from your bank account on the 18th of each month in the amount of $551.45. Please note that you must cancel AutoPay either verbally or in writing in order for the automatic payments to stop. Our records do not indicate that you made a request for the automatic payments to stop. Please contact our Customer Service Department at the telephone number provided below to ensure that payments are no longer withdrawn from you bank account. It may take 3 business days to process a stop request.
In addition, our records do not indicate that you spoke with our office on December 7, 2019, as you requested a payoff quote through the internet. We spoke with Taylor's Auto Max (Dealership) on that same date, but they only requested a payoff quote.
In reviewing the payment history, an automatic payment posted to the account on December 18, 2019, in the amount of $551.45. At that time no payoff funds had been received and your regularly scheduled payment was due on that date.
On December 21st and December 23rd, 2019 you contacted our office regarding the payment that was drawn from your account. It was explained to you during these calls that we had not yet received the payoff for the account and that the account was set up on AutoPay.
Our records further indicate that on December 29, 2019 a payoff from the Dealership posted to the account in the amount of $7,716.00. Please understand that although the payoff check was dated December 11, 2019, it was not mailed until December 23, 2019, per the postmark on the check envelope. A copy of the envelope is enclosed for your review.
After a review of this matter, we have confirmed that automatic payments were authorized on the account and the payoff for the account was not mailed until December 23, 2019. Please note that an overagerefund is being processed on the account in the amount of $529.88. We apologize for any inconvenience this matter may have caused.
Enclosed is a copy of the payment history and payoff check envelope.
Thank you again for for allowing us the opportunity to address your concerns. If further assistance is needed please contact us directly at 1(888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
I had my auto loan through Santander. My car was totaled and I stopped making payments. The insurance company paid them off but they still charged off
I had my auto loan through Santander when I was younger. I was naive to the world, so when I got into a wreck that totaled my car I didn't keep making payments. I knew the insurance would pay for my car, so I figured my obligation was done. I know this was foolish, but I was just a kid. My insurance did pay the car off, but Santander didn't care. They decided they would still screw my credit over for 7-10 years. When I try to call their customer service I'm given a mailing address to send my complaint to and then told it will be a waste of time, because they never remove charge-offs.
I'm just a man trying to correct the mistakes I made as a kid, but Santander doesn't care. They made money off of me, got the car paid off, and refuse to help me out in anyway. I've been making payments consistently on a car from buy here pay here because no lending agency wants to touch me due to the charge off. I've had some low max credit cards and other creative credit building accounts, but none of it matters when weighed against the one mistake I made with Santander. I just want another chance to do things the right way and I don't want to wait 7-10 years.
My account number is XXXXXXX and my VIN is 3N1BC1CP6BLXXXXXX. I'm just looking for this to be corrected so I can move on without this hanging over my head. Please, show some humanity.
Thank you.
I would just like the charge off removed. If you need additional money from me to make it right, I'll pay it. Please, just take this blemish off of my credit.
January 2, 2020
***
*** Road
*** XXXXX
Re: Revdex.com Complaint Number: XXXXXXXX
Santander Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding your account with Santander Consumer USA Inc. (Santander). Thank you for allowing us the opportunity to address your concerns.
Regarding your statement of communication with our Customer Service Representatives and being told your complaint would be a waste of time as Santander never removes Charge Offs, unfortunately, we are unable to substantiate your statement with the information provided in your complaint.
After a review of the Payment History, our records show that on March 23, 2015, the account was due for the March 31, 2015 payment and we received a payment in the amount of $318.45 bringing the account due for April 30, 2015. We did not receive the Total Loss insurance check of $11,957.00 until October 6, 2015. This payment was back dated to the date of the loss, September 7, 2015. The account became over 120 days on August 31, 2015, and the account Charged Off.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
Our records show we advised the credit reporting agencies on December 31, 2019, that the account was Paid in Full, Charged Off with an original Charge Off date of August 31, 2015.
We respectfully decline to make any changes to the information reported to the credit reporting agencies as we have confirmed that the information reported matches our records.
Enclosed is a copy of your Contract and Payment History.
Thank you for again for allowing us the opportunity to address your concerns. If further assistance is needed you may contact us directly at (888) 222.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
For the love of God please do not financed with these people they are crooks like you have never seen if you're a crook go join them you'll be very successful...
For the love of God please do not financed with these people they are crooks like you have never seen if you're a crook go join them you'll be very successful...
Chrysler Capital incorrectly reported me to the credit bureaus for delinquency even though my account was close and no money is owed.
On December 12, 2019, I received a notice from my credit monitoring that Chrysler Capital had filed with the credit bureaus that I was delinquent on my 2017 Jeep Grand Cherokee account. However, that account closed on November 15, 2019 (full account payoff received November 6, 2019 that was sent by car dealership) as I did a lease buyout in October 2019 and am currently financing the vehicle through another institution. I contacted Chrysler Capital on December 12th and spoke with two personnel from the Lease Maturity Team who confirmed that my account did close on November 15, 2019 and that I was not delinquent on the account nor ever had been and that Chrysler Capital had made an error in reporting this. They were unable to fix the error on the phone and instructed me to write a letter to Chrysler Capital (which was sent on December 13th) telling them to fix this immediately. Chrysler Capital also informed me that they actually owe me $350 in result of over payment to my account so I'm actually owed money from the company. My account number through Chrysler Capital was XXXXXXXX.
I need my credit report corrected and the delinquency report removed immediately.
December 31, 2019
***
***
*** XXXXX
Re: Revdex.com Case Number.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate we received payoff in the amount of $27,507.37, which posted November 15, 2019 and was effective for November 6, 2019.
In reference to your previous conversations with our customer service agent on December 12, 2019, they both provided accurate information to dispute your credit reporting concerns.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
A review of the information provided to the credit reporting agencies shows that on December 23, 2019 advised the agencies that the account was Paid/Closed Current with no prior delinquencies.
After the payoff, we received a payment on December 6, 2019 in the amount of $350.00, which has already been refunded to you.
We respectfully decline your request to make any changes to the information reported on the account as the information reported matches our records.
We hope that the explanation provided above is satisfactory to you. If further assistance is needed, please contact us directly at X(XXX) XXX.***.
Sincerely,
CHRYSLER CAPITAL
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for the response. I'm accepting this response as I already recently received a letter from Chrysler Capital apologizing and letting me know that the information reported was incorrect and that they corrected my credit reports. Upon double checking with the reports, they have been fixed to reflect that I was never delinquent with my payments and my credit score has gone back up to where it was before the delinquency was filed.
Returned a Jeep Compass lease to local dealership 0n 9/2/19. Per their inspection report, dated 10/02/19, the car was over mileage, missing a key and ONE tire was worn. Total fines of $1,970.85. I have spent countless hours on the phone and going to the dealership to have these errors corrected. The phone reps have agreed that there was an error on their mileage count after I sent a copy of the dealer return report with the mileage clearly printed. As for the 'missing? key, the dealer pointed out there are two keys hanging in the inspection photo (no one has sent me to date). Lastly the car that was returned six months early and UNDER miles has ONE worn tier (again, I have no proof). I wonder if we are talking about the same car?
Other (requires explanation) At this point with the time and energy I have spent on the company's errors, I should have a corrected bill showing a ZERO Balance!
December 30, 2019
***
***
*** XXXXX
Re: Revdex.com Case Number.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
We regret any inconvenience and miscommunication that you may have experienced in trying to resolve this issue. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
After a review of the enclosed copy of the Motor Vehicle Lease Agreement (Lease), our records indicate that on December 2, 2017 you entered into a Lease with R.I. Suresky and Sons Inc. (Dealership), in connection with the leasing of a 2018 Jeep Compass (Vehicle). The payment schedule called for 27 monthly payments in the amount of $235.15 each, beginning January 1, 2018. The Lease was assigned to CCAP Auto Lease Ltd. and was serviced by Chrysler Capital. Our records further indicate on September 17, 2019 the Vehicle was returned to the Dealership with 22 of the 27 scheduled payments received.
After further review of your account, the excess mileage fee of $1,486.00, missing key fee of $150.00 and wear/tear fee of $175.00 have been waived due to the inspection report you provided showing sufficient evidence proving the fees were assessed incorrectly. Therefore, the disposition fee in the amount of $159.85 remains due. We apologize for any inconvenience this may have caused. In addition, on December 24, 2019, you spoke with a Manager in our Executive Office and the remaining disposition fee owed on the enclosed Final Bill was explained to you.
We respectfully decline your request to waive any additional fees on your account.
We hope that the explanation provided above is satisfactory to you. If further assistance is needed, please contact us directly at 1(855) 563.5635.
Sincerely,
CHRYSLER CAPITAL
Enclosures
Lease
Final Bill
Unauthorized charges made to checking and accused of non payment and was told false Info.
Nov. 25th payment of 531.63 was returned back as Insufficient. Made a payment nov. 25th of 500 with debit card that is attached to checking account. On nov. 29th company tried to charge checking g account again with out authorization. Called and spoke with a representative and was told that's how the system works. Spoke to another representative on the 30th about account and made arrangements to pay dec.20th but she wrote down writing g date. Car was repossessed on the 17th. Called and was told my payment for 25th was returned but I had to explain ded to two people I made a payment on the same day and spoke with a rep on the 30th. I was then told it doesnt matter what arrangements I make the are going g to pick the car up anyway. I do t think my payment of 500 was applied correctly because if it was they would not have tried to charge me on the 29th of nov. Looking into the reviews and the Revdex.com complaints. I notice most of the stories are similar due to lies and false Information. If more than one person has similar complaints to than there is a problem. I need to know why they tried to charge my account again on the 29th again after making a payment on the 25th with my debit. They were more concerned charging me 2000 to get my car back I stead of looking into why they tried to charge me again for a payment that was made and not authorized to be charged again the 29th.
I want a refund of my 500 and also it to be corrected on my credit report. My car was falsely repossessed and I am looking I to a consumer attorney about this matter.
December 30, 2019
***
***
***, TX XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that you contacted our office on November 12, 2019 and advised a Customer Service Representative that you would make a payment on November 22, 2019, in the amount of $531.63, and that you would start in December 2019 making a payment and a half until the account was current. The representative advised you that the vehicle associated with the account could be assigned for repossession at any time and payment arrangements will stop the account from being assigned for repossession. At that time the account was 62 days past due.
In reviewing the payment history it reflects that on November 21, 2019, you made a payment online, in the amount of $531.63. On November 25, 2019 you made another payment using our automated phone payment system, in the amount of $500.00.
You contacted our office again on November 30, 2019 and advised a Customer Service Representative that you were unable to pay the past due amount owed and that you would make a payment on December 13, 2019, through our automated phone payment system, and that you would call back when you could make another payment to get caught up.
Our records do not indicate that you were advised during either of these calls that payment arrangements would stop the repossession of the vehicle.
Unfortunately, on December 2, 2019, the payment that you made online on November 21, 2019, in the amount $531.63, was returned by your banking institution due to Non-Sufficient Funds. The returned payment caused the account to be due again for a partial amount owed for September 11, 2019, in the amount of $79.96
In regard to the resubmission of the payment to your banking institution, please understand that all payments, whether personal checks, electronic payments or checks by phone may be submitted more than once to a customer's banking institution. A return payment fee may be assessed to the account as provided for and in an amount consistent with the contract and applicable state and federal laws. If the payment is returned a second time from the customer's
banking institution, the payment is then reversed from the account and the customer will need to submit a replacement payment.
In addition, our records indicate that a letter titled, "Notice of Intent to Accelerate and Requirement of Strict Compliance" (RTC), dated December 1, 2019, was mailed to you at the address on file, stating that the account was in default and if not cured by December 15, 2019, we would take possession of the vehicle associated with the account.
The enclosed payment history reflects that the default was not cured, and the vehicle was repossessed on December 17, 2019, when the account was 97 days past due. After the repossession, a letter titled "Notice of Our Plan to Sell Property" (NOI), dated December 17, 2019 was mailed to you at the address on file, explaining that the vehicle would be sold sometime after December 31, 2019, but also gave you the opportunity to redeem the Vehicle.
In addition, we have attempted to contact you several times regarding the delinquency of your account prior to the repossession of the vehicle, with no success. We have confirmed that all repossession notices were sent in accordance with applicable state law and that the repossession is valid.
In an effort to assist you with the redemption of the vehicle, we have placed the sale of the vehicle on hold until January 15, 2020, after which time it will be sold if not redeemed and you will be responsible for any deficiency balance that remains on the account. Please contact our Customer Service Department at the telephone number provided below for further assistance with the redemption of the vehicle.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information, both current and past due, to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports or when the account will meet the statute of limitations for not reporting.
A review of the information provided to the credit reporting agencies shows that on November 30, 2019, we advised the agencies that the account was 30 - 59 days past due with a balance of $20,822.00, with prior delinquencies of 5 times 30 days late.
We respectfully decline your request to refund the $500.00 or correct the credit reporting on the account.
Enclosed is a copy of the Contract, RTC, NOI and Payment History for your review.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at X (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
They failed to also state that November 29,2019 they tried to take another payment of 531.63 without my authorization. If I made a payment of 500 on November 25 why would you try to take out another payment through my checking account again. I have made over 17000 in payments and still owe a balance of 20000. Your so called payment extensions and making partial payments are misleading and lies. I have the email where my bank notified me of chrysler capital trying to take a payment out again. I spoke to a representative regarding why was it tried to be taken out again and he really couldn't give me no explanation. I spoke to a representative on the 30th about paying on my best pay day which was the 19th and she put down for the 13th. She did speak to me about partial payments which would take 30 days off for me being late. In oct I made a payment of I believe of 131 for the rest of September. So I didn't owe 79.00 for Sept it was for oct. When I would have made my payment on the 19th that would have been for nov and my dec payment would have been due. Your other complaints on this site says it all. Just like I stated before something is not write if everybody's complaints are similar.The payment I made for 130 dollars was not stated in your response which unpaid with my dad's debit card.The letter of intent to repo ingot the day my car was repossessed and it said if it was not paid by the 16th it would be repoed. I have received a letter like that before and have called and made a arrangement to pay on my pay date and it was not repoed so I would have called. The letter stated u had to pay 611.00. So you repossessed my car for 611.00 but want me to pay 20000 to get it back including repo fee.
January 13, 2020
***
***
***, TX XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Ms.:
We have received your most recent complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you for allowing us the additional opportunity to address your concerns.
Our records indicate that you contacted our office on November 12, 2019 and advised a Customer Service Representative that you would make a payment on November 22, 2019, in the amount of $531.63, and that you would start in December 2019 making a payment and a half until the account was current. The representative advised you that the vehicle associated with the account could be assigned for repossession at any time and payment arrangements will stop the account from being assigned for repossession. At that time the account was 62 days past due.
As stated in our prior response, in reviewing the payment history it reflects that on November 21, 2019, you made a payment online, in the amount of $531.63. On November 25, 2019 you made another payment using our automated phone payment system, in the amount of $500.00. Unfortunately, on December 2, 2019, the payment that you made online on November 21, 2019, in the amount $531.63, was returned by your banking institution due to Non-Sufficient Funds (NSF).
In regard to the resubmission of the payment to your banking institution, please understand that all payments, whether personal checks, electronic payments or checks by phone may be submitted more than once to a customer's banking institution. A return payment fee may be assessed to the account as provided for and in an amount consistent with the contract and applicable state and federal laws. If the payment is returned a second time from the customer's banking institution, the payment is then reversed from the account and the customer will need to submit a replacement payment.
Please note that that we attempted to submit the November 21, 2019 payment in the amount of $531.63 twice to your banking institution, prior to the payment being returned due to NSF. This is why the payment was submitted to your bank for the second time on November 29, 2019. We regret any misunderstanding regarding the resubmission of this payment to your bank. As you made the payment online, the payment was authorized by you. In addition, since both payments were initiated by you, we processed both payments as requested.
In reference to the $135.00 payment, the enclosed payment history reflects that the payment made on October 9, 2019, in the amount of $135.00, was applied toward the remaining amount due for August 11, 2019 and a portion of the amount due for September 11, 2019. Please understand that the partial payment made on October 9, 2019 did advance your due date to September 11, 2019, which lessened the delinquency of the account. The returned payment of November 21, 2019 caused the account to be due again for the remaining amount owed for September 11, 2019, in the amount of $79.96.
In regard to your statement that you made payment arrangement for December 19, 2019 and not December 13, 2019, please be advised that any payment arrangement will not stop the repossession of a vehicle. You were advised of this during your phone call with a Customer Service Representative on November 30, 2019. Additionally, no payments have been received for the account since November 25, 2019, in the amount of $500.00.
In regard to your statement that you received the letter of intent to repossess the day the vehicle was repossessed we have reviewed the matter. Our records indicate that a letter titled, "Notice of Intent to Accelerate and Requirement of Strict Compliance" (RTC), dated December 1, 2019, was mailed to you at the address on file, stating that the account was in default and if not cured by December 15, 2019, we would take possession of the Vehicle associated with the account.
We are unable to speculate as to why the RTC was not received until the date of repossession on December 17, 2019. Please note on the date of repossession the account was 97 days past due. The only other RTC that was mailed to you for the account was on October 1, 2018, when the account was only 51 days past due. Due to the severity of the delinquency of the account at the time of the RTC dated December 1, 2019, payment arrangements would not have stopped the repossession of the Vehicle.
In regard to the amount needed to redeem the Vehicle, on December 17, 2019 you contacted our office to find out how much was owed to redeem the Vehicle. During this call you advised that you could not commit to making future payments on time going forward. Therefore, the account would need to be paid in full prior to the redemption of the Vehicle.
In regard to the 7 payment extensions that you requested and were granted to the account, our records show that payment extensions were granted for the following months:
April and May 2017
August and September 2017
February 2018
May and June 2019
Payment assistance is offered as a courtesy to our customers and customers are responsible for making their full monthly payment according to their contract agreement.
As previously advised, in an effort to assist you with the redemption of the vehicle, we have placed the sale of the Vehicle on hold until January 15, 2020, after which time it will be sold if not redeemed and you will be responsible for any deficiency balance that remains on the account, if any. Please contact our Customer Service Department at the telephone number provided below for further assistance with the redemption of the Vehicle.
We regret that you remain dissatisfied and did not accept our original response to your complaint. If further assistance is needed, please contact us directly at X (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
(The consumer indicated he/she DID NOT accept the response from the business.)
In regard that I stated that I could not make future payments on my vehicle was a lie. I stated I did not have the 2000 to get my car back I only had what my payment arrangement for the 20th. Your company is not even part of the Revdex.com. I have spoke to several representatives and I was never told if I make payment arrangements my car could still get repossessed. It's all about money I paid more in interest than on the car. I have proof from my bank that you tried to take out a payment on the 29th after I made a payment on the 25th for 500. So why would you try to take double payments. I'm in the process of talking with a attorney about this matter and have wrote to the attorney general. This business is a scam. I have read all reviews about this company and I advise anyone to look yall up before you finance a car.
Chrysler Capital incorrectly reported me to the credit bureaus for delinquency even though my account was close and no money is owed.
On December 12, 2019, I received a notice from my credit monitoring that Chrysler Capital had filed with the credit bureaus that I was delinquent on my 2017 Jeep Grand Cherokee account. However, that account closed on November 15, 2019 (full account payoff received November 6, 2019 that was sent by car dealership) as I did a lease buyout in October 2019 and am currently financing the vehicle through another institution. I contacted Chrysler Capital on December 12th and spoke with two personnel from the Lease Maturity Team who confirmed that my account did close on November 15, 2019 and that I was not delinquent on the account nor ever had been and that Chrysler Capital had made an error in reporting this. They were unable to fix the error on the phone and instructed me to write a letter to Chrysler Capital (which was sent on December 13th) telling them to fix this immediately. Chrysler Capital also informed me that they actually owe me $350 in result of over payment to my account so I'm actually owed money from the company. My account number through Chrysler Capital was XXXXXXXX.
I need my credit report corrected and the delinquency report removed immediately.
December 31, 2019
***
***
*** XXXXX
Re: Revdex.com Case Number.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate we received payoff in the amount of $27,507.37, which posted November 15, 2019 and was effective for November 6, 2019.
In reference to your previous conversations with our customer service agent on December 12, 2019, they both provided accurate information to dispute your credit reporting concerns.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports.
A review of the information provided to the credit reporting agencies shows that on December 23, 2019 advised the agencies that the account was Paid/Closed Current with no prior delinquencies.
After the payoff, we received a payment on December 6, 2019 in the amount of $350.00, which has already been refunded to you.
We respectfully decline your request to make any changes to the information reported on the account as the information reported matches our records.
We hope that the explanation provided above is satisfactory to you. If further assistance is needed, please contact us directly at X(XXX) XXX.***.
Sincerely,
CHRYSLER CAPITAL
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you for the response. I'm accepting this response as I already recently received a letter from Chrysler Capital apologizing and letting me know that the information reported was incorrect and that they corrected my credit reports. Upon double checking with the reports, they have been fixed to reflect that I was never delinquent with my payments and my credit score has gone back up to where it was before the delinquency was filed.
Returned a Jeep Compass lease to local dealership 0n 9/2/19. Per their inspection report, dated 10/02/19, the car was over mileage, missing a key and ONE tire was worn. Total fines of $1,970.85. I have spent countless hours on the phone and going to the dealership to have these errors corrected. The phone reps have agreed that there was an error on their mileage count after I sent a copy of the dealer return report with the mileage clearly printed. As for the 'missing? key, the dealer pointed out there are two keys hanging in the inspection photo (no one has sent me to date). Lastly the car that was returned six months early and UNDER miles has ONE worn tier (again, I have no proof). I wonder if we are talking about the same car?
Other (requires explanation) At this point with the time and energy I have spent on the company's errors, I should have a corrected bill showing a ZERO Balance!
December 30, 2019
***
***
*** XXXXX
Re: Revdex.com Case Number.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
We regret any inconvenience and miscommunication that you may have experienced in trying to resolve this issue. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
After a review of the enclosed copy of the Motor Vehicle Lease Agreement (Lease), our records indicate that on December 2, 2017 you entered into a Lease with R.I. Suresky and Sons Inc. (Dealership), in connection with the leasing of a 2018 Jeep Compass (Vehicle). The payment schedule called for 27 monthly payments in the amount of $235.15 each, beginning January 1, 2018. The Lease was assigned to CCAP Auto Lease Ltd. and was serviced by Chrysler Capital. Our records further indicate on September 17, 2019 the Vehicle was returned to the Dealership with 22 of the 27 scheduled payments received.
After further review of your account, the excess mileage fee of $1,486.00, missing key fee of $150.00 and wear/tear fee of $175.00 have been waived due to the inspection report you provided showing sufficient evidence proving the fees were assessed incorrectly. Therefore, the disposition fee in the amount of $159.85 remains due. We apologize for any inconvenience this may have caused. In addition, on December 24, 2019, you spoke with a Manager in our Executive Office and the remaining disposition fee owed on the enclosed Final Bill was explained to you.
We respectfully decline your request to waive any additional fees on your account.
We hope that the explanation provided above is satisfactory to you. If further assistance is needed, please contact us directly at 1(855) 563.5635.
Sincerely,
CHRYSLER CAPITAL
Enclosures
Lease
Final Bill
Unauthorized charges made to checking and accused of non payment and was told false Info.
Nov. 25th payment of 531.63 was returned back as Insufficient. Made a payment nov. 25th of 500 with debit card that is attached to checking account. On nov. 29th company tried to charge checking g account again with out authorization. Called and spoke with a representative and was told that's how the system works. Spoke to another representative on the 30th about account and made arrangements to pay dec.20th but she wrote down writing g date. Car was repossessed on the 17th. Called and was told my payment for 25th was returned but I had to explain ded to two people I made a payment on the same day and spoke with a rep on the 30th. I was then told it doesnt matter what arrangements I make the are going g to pick the car up anyway. I do t think my payment of 500 was applied correctly because if it was they would not have tried to charge me on the 29th of nov. Looking into the reviews and the Revdex.com complaints. I notice most of the stories are similar due to lies and false Information. If more than one person has similar complaints to than there is a problem. I need to know why they tried to charge my account again on the 29th again after making a payment on the 25th with my debit. They were more concerned charging me 2000 to get my car back I stead of looking into why they tried to charge me again for a payment that was made and not authorized to be charged again the 29th.
I want a refund of my 500 and also it to be corrected on my credit report. My car was falsely repossessed and I am looking I to a consumer attorney about this matter.
December 30, 2019
***
***
***, TX XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Ms.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that you contacted our office on November 12, 2019 and advised a Customer Service Representative that you would make a payment on November 22, 2019, in the amount of $531.63, and that you would start in December 2019 making a payment and a half until the account was current. The representative advised you that the vehicle associated with the account could be assigned for repossession at any time and payment arrangements will stop the account from being assigned for repossession. At that time the account was 62 days past due.
In reviewing the payment history it reflects that on November 21, 2019, you made a payment online, in the amount of $531.63. On November 25, 2019 you made another payment using our automated phone payment system, in the amount of $500.00.
You contacted our office again on November 30, 2019 and advised a Customer Service Representative that you were unable to pay the past due amount owed and that you would make a payment on December 13, 2019, through our automated phone payment system, and that you would call back when you could make another payment to get caught up.
Our records do not indicate that you were advised during either of these calls that payment arrangements would stop the repossession of the vehicle.
Unfortunately, on December 2, 2019, the payment that you made online on November 21, 2019, in the amount $531.63, was returned by your banking institution due to Non-Sufficient Funds. The returned payment caused the account to be due again for a partial amount owed for September 11, 2019, in the amount of $79.96
In regard to the resubmission of the payment to your banking institution, please understand that all payments, whether personal checks, electronic payments or checks by phone may be submitted more than once to a customer's banking institution. A return payment fee may be assessed to the account as provided for and in an amount consistent with the contract and applicable state and federal laws. If the payment is returned a second time from the customer's
banking institution, the payment is then reversed from the account and the customer will need to submit a replacement payment.
In addition, our records indicate that a letter titled, "Notice of Intent to Accelerate and Requirement of Strict Compliance" (RTC), dated December 1, 2019, was mailed to you at the address on file, stating that the account was in default and if not cured by December 15, 2019, we would take possession of the vehicle associated with the account.
The enclosed payment history reflects that the default was not cured, and the vehicle was repossessed on December 17, 2019, when the account was 97 days past due. After the repossession, a letter titled "Notice of Our Plan to Sell Property" (NOI), dated December 17, 2019 was mailed to you at the address on file, explaining that the vehicle would be sold sometime after December 31, 2019, but also gave you the opportunity to redeem the Vehicle.
In addition, we have attempted to contact you several times regarding the delinquency of your account prior to the repossession of the vehicle, with no success. We have confirmed that all repossession notices were sent in accordance with applicable state law and that the repossession is valid.
In an effort to assist you with the redemption of the vehicle, we have placed the sale of the vehicle on hold until January 15, 2020, after which time it will be sold if not redeemed and you will be responsible for any deficiency balance that remains on the account. Please contact our Customer Service Department at the telephone number provided below for further assistance with the redemption of the vehicle.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the Credit Bureaus. Please note that we provide account information, both current and past due, to the four major credit reporting agencies Experian, Equifax, Transunion, and Innovis. It may be necessary to contact the agencies directly regarding any disparity between reports or when the account will meet the statute of limitations for not reporting.
A review of the information provided to the credit reporting agencies shows that on November 30, 2019, we advised the agencies that the account was 30 - 59 days past due with a balance of $20,822.00, with prior delinquencies of 5 times 30 days late.
We respectfully decline your request to refund the $500.00 or correct the credit reporting on the account.
Enclosed is a copy of the Contract, RTC, NOI and Payment History for your review.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at X (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
They failed to also state that November 29,2019 they tried to take another payment of 531.63 without my authorization. If I made a payment of 500 on November 25 why would you try to take out another payment through my checking account again. I have made over 17000 in payments and still owe a balance of 20000. Your so called payment extensions and making partial payments are misleading and lies. I have the email where my bank notified me of chrysler capital trying to take a payment out again. I spoke to a representative regarding why was it tried to be taken out again and he really couldn't give me no explanation. I spoke to a representative on the 30th about paying on my best pay day which was the 19th and she put down for the 13th. She did speak to me about partial payments which would take 30 days off for me being late. In oct I made a payment of I believe of 131 for the rest of September. So I didn't owe 79.00 for Sept it was for oct. When I would have made my payment on the 19th that would have been for nov and my dec payment would have been due. Your other complaints on this site says it all. Just like I stated before something is not write if everybody's complaints are similar.The payment I made for 130 dollars was not stated in your response which unpaid with my dad's debit card.The letter of intent to repo ingot the day my car was repossessed and it said if it was not paid by the 16th it would be repoed. I have received a letter like that before and have called and made a arrangement to pay on my pay date and it was not repoed so I would have called. The letter stated u had to pay 611.00. So you repossessed my car for 611.00 but want me to pay 20000 to get it back including repo fee.
January 13, 2020
***
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***, TX XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear Ms.:
We have received your most recent complaint submitted through the Revdex.com (Revdex.com), regarding the above referenced Chrysler Capital account. Thank you for allowing us the additional opportunity to address your concerns.
Our records indicate that you contacted our office on November 12, 2019 and advised a Customer Service Representative that you would make a payment on November 22, 2019, in the amount of $531.63, and that you would start in December 2019 making a payment and a half until the account was current. The representative advised you that the vehicle associated with the account could be assigned for repossession at any time and payment arrangements will stop the account from being assigned for repossession. At that time the account was 62 days past due.
As stated in our prior response, in reviewing the payment history it reflects that on November 21, 2019, you made a payment online, in the amount of $531.63. On November 25, 2019 you made another payment using our automated phone payment system, in the amount of $500.00. Unfortunately, on December 2, 2019, the payment that you made online on November 21, 2019, in the amount $531.63, was returned by your banking institution due to Non-Sufficient Funds (NSF).
In regard to the resubmission of the payment to your banking institution, please understand that all payments, whether personal checks, electronic payments or checks by phone may be submitted more than once to a customer's banking institution. A return payment fee may be assessed to the account as provided for and in an amount consistent with the contract and applicable state and federal laws. If the payment is returned a second time from the customer's banking institution, the payment is then reversed from the account and the customer will need to submit a replacement payment.
Please note that that we attempted to submit the November 21, 2019 payment in the amount of $531.63 twice to your banking institution, prior to the payment being returned due to NSF. This is why the payment was submitted to your bank for the second time on November 29, 2019. We regret any misunderstanding regarding the resubmission of this payment to your bank. As you made the payment online, the payment was authorized by you. In addition, since both payments were initiated by you, we processed both payments as requested.
In reference to the $135.00 payment, the enclosed payment history reflects that the payment made on October 9, 2019, in the amount of $135.00, was applied toward the remaining amount due for August 11, 2019 and a portion of the amount due for September 11, 2019. Please understand that the partial payment made on October 9, 2019 did advance your due date to September 11, 2019, which lessened the delinquency of the account. The returned payment of November 21, 2019 caused the account to be due again for the remaining amount owed for September 11, 2019, in the amount of $79.96.
In regard to your statement that you made payment arrangement for December 19, 2019 and not December 13, 2019, please be advised that any payment arrangement will not stop the repossession of a vehicle. You were advised of this during your phone call with a Customer Service Representative on November 30, 2019. Additionally, no payments have been received for the account since November 25, 2019, in the amount of $500.00.
In regard to your statement that you received the letter of intent to repossess the day the vehicle was repossessed we have reviewed the matter. Our records indicate that a letter titled, "Notice of Intent to Accelerate and Requirement of Strict Compliance" (RTC), dated December 1, 2019, was mailed to you at the address on file, stating that the account was in default and if not cured by December 15, 2019, we would take possession of the Vehicle associated with the account.
We are unable to speculate as to why the RTC was not received until the date of repossession on December 17, 2019. Please note on the date of repossession the account was 97 days past due. The only other RTC that was mailed to you for the account was on October 1, 2018, when the account was only 51 days past due. Due to the severity of the delinquency of the account at the time of the RTC dated December 1, 2019, payment arrangements would not have stopped the repossession of the Vehicle.
In regard to the amount needed to redeem the Vehicle, on December 17, 2019 you contacted our office to find out how much was owed to redeem the Vehicle. During this call you advised that you could not commit to making future payments on time going forward. Therefore, the account would need to be paid in full prior to the redemption of the Vehicle.
In regard to the 7 payment extensions that you requested and were granted to the account, our records show that payment extensions were granted for the following months:
April and May 2017
August and September 2017
February 2018
May and June 2019
Payment assistance is offered as a courtesy to our customers and customers are responsible for making their full monthly payment according to their contract agreement.
As previously advised, in an effort to assist you with the redemption of the vehicle, we have placed the sale of the Vehicle on hold until January 15, 2020, after which time it will be sold if not redeemed and you will be responsible for any deficiency balance that remains on the account, if any. Please contact our Customer Service Department at the telephone number provided below for further assistance with the redemption of the Vehicle.
We regret that you remain dissatisfied and did not accept our original response to your complaint. If further assistance is needed, please contact us directly at X (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
(The consumer indicated he/she DID NOT accept the response from the business.)
In regard that I stated that I could not make future payments on my vehicle was a lie. I stated I did not have the 2000 to get my car back I only had what my payment arrangement for the 20th. Your company is not even part of the Revdex.com. I have spoke to several representatives and I was never told if I make payment arrangements my car could still get repossessed. It's all about money I paid more in interest than on the car. I have proof from my bank that you tried to take out a payment on the 29th after I made a payment on the 25th for 500. So why would you try to take double payments. I'm in the process of talking with a attorney about this matter and have wrote to the attorney general. This business is a scam. I have read all reviews about this company and I advise anyone to look yall up before you finance a car.