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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In 2016, I purchased a vehicle that was financed via Santander. At the time I was financed, adequate information was not obtained for credit.
Information was not adequately obtained from me such as income when making the decision to finance me. The payment amount I would pay was emphasized and the interest cost deemphasized. The interest rate on the car loan is 22% and I've had to face repossession charges due to the financial burden of the high interest cost. With COVID-19, it has created additional burdens. Please look into account XXXXXXX. I've had some discussions with a lawyer who also believes the marketing and sale were aggressive.
I am requesting that my loan be reduced significantly to make up for the unfair interest. The interest plus the repossession amounts will exceed the underlying costs financed.
June 2, 2020
***
*** Road
*** XXXXX
Re: Revdex.com case # XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your request through the Revdex.com (Revdex.com). Thank you for allowing us the opportunity to address your concerns regarding your account with Santander Consumer USA Inc.
Our records indicate the following terms of your "Retail Installment Contract" (Contract):
Date: March 15, 2016
Vehicle: 2012 Toyota Camry
Amount Financed: $18,245.91
APR: 22.00%
Term: 72 months
Monthly Payment $462.37 (first payment due April 28, 2016)
Dealership CarMax Auto Superstores, Inc.
Please be advised that Santander Consumer USA Inc. is the indirect lender and assignee of the Contract. The approval of an assignment of any contract, including yours, is based on the information provided to us by the customer and the Dealership. The terms of the Contract were negotiated with the Dealership at the time of purchase.
The following exceptions were made to the 72 month contracted payment schedule:
Late Payments: 3 (assessed when your payment was received over 10 days after due date)
Extensions: 3
Please be advised that interest does not stop accruing when there has been payment assistance granted on the account or when payments are late and/or not received. There is no grace period for the accrual of interest.
After a review of the account, we have determined that the reduction of the principal balance is accurate. In the agreed upon auto finance Contract, it shows that the account is calculated using the Simple Interest Method. This means the balance accrues interest on a daily basis and assumes the customer will make their payment on the regularly scheduled payment due date.
When a payment is received, the outstanding accrued interest must be satisfied first. The remainder of payment is applied toward fees owed on the account, then principal. The amount of accrued daily interest can vary based on the amount of the principal balance and the number of days between payments.
In regard to the total amount paid on the vehicle, please see the Truth in Lending disclosures on Page 1 of the Contract and in the subsequent disclosure letter. This shows the amount you would have paid if all payments had been made according to the monthly payment schedule in the Contract.
Finance Charge: $15,044.73 (Dollar amount credit will cost you)
Amount Financed: $18, 245.91
Total of Payments: $33,290.64
Santander Consumer USA Inc. establishes the contract rate based on factors including the down payment, vehicle value, the applicant's credit worthiness and credit rating. We provide contract terms for the applicant which they can either accept or reject at the time of the application approval. We have confirmed that the APR on the Contract is within the allowable state limits.
We hope that the written explanation we have provided above regarding account activity is helpful to you in further understanding how simple interest compounds and how it affects the balance on a daily basis.
After investigating the information provided in your complaint, we are unable to substantiate your statement that you were treated unfairly and found no evidence that Santander violated fair lending laws in the origination or servicing of your account. Santander Consumer USA Inc. is committed to fair lending and treating consumers, customers and vendors with the utmost respect and fairness. We do not offer our customers the option to refinance their accounts, however, customers always have the option of seeking additional funding with other financial institutions of their choice at any time during the life of the account.
Enclosed is a copy of the Contract, Extended Warranty Contract, and payment history for your reference. We respectfully decline your request to process any reduction of interest on the account.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact our Customer Service directly at X(XXX) XXX-XXXX. Our hours of operations are: Monday- Friday 7am-9pm CDT, Saturday 7am-5pm CDT, and Sunday- Closed.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
This complaint stems from our purchase of our vehicle w/ Santander and the inconsistencies within my credit report.
Purchased vehicle early 2016, yehy have tbat I stopped paying in mid to later 2018 when we continued paying this year 2020. Voluntary repo was performed, we did not receive any paperwork and now its a charge off status on my creit report. Due to the settlement that is currently going on with Santander I will like some kind of resolution.
Will provide bank statements on request. Will like credit reporting removed completely
June 2, 2020
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We have received your request submitted through the Revdex.com (Revdex.com). Thank you for allowing us the opportunity to address your concerns regarding your account with Santander Consumer USA Inc.
Our records indicate the following terms of your "Retail Installment Sale Contract" (Contract):
Date: February 25, 2017
Vehicle: 2014 Ford Escape
Amount Financed: $15,762.55
APR: 20.83%
Term: 72 months
Monthly Payment $388.47 (first payment due April 11, 2017)
Dealership Mullinax Ford of Osceola
Our records indicate that your vehicle was impounded on October 21, 2019, and was later repossessed on December 3, 2019. The vehicle was not voluntary surrendered as no recording was completed with our office. The vehicle was not redeemed and therefore was sold at auction, with and the proceeds from the sale being applied to the account. Legal required notices were sent prior to and after we took possession of the vehicle. The deficiency letter was sent after the sale of the vehicle.
We have confirmed that all default notices were sent to the address on file in accordance with state guidelines. Our records do not show that the notices were returned to us as "undeliverable."
The enclosed payment history references that the last payment on your account was October 7, 2019 in the amount of $388.00.
Thank you for your business and inquiring about the recent legal settlement that Santander Consumer has made with the attorneys general of several states. An independent administrator is managing all questions and claims relative to the settlement. For information regarding eligibility or other issues regarding the settlement, please contact your state's attorney general or visit http://santandermultistateagsettlement.com.
The Fair Credit Reporting Act requires that we accurately report account information to the credit reporting agencies. We provide account information to the four major credit reporting agencies: Experian, Equifax, Transunion, and Innovis, however, reporting may differ between agencies. The customer may need to contact the agencies directly regarding any differences between reports.
A review of the information provided to the credit reporting agencies shows that on April 30, 2020 we reported the account as charged off with a balance of $12,249.00. The account charged off on December 31, 2019 after the vehicle was sold.
Once an account has been reported as charged off, it will continue to report as charged off even if the customer continues making payments or if the balance is settled, as Charge Off is a final status. The account will continue to report until the statute of limitations addressed by the FCRA is met. If payments are made, the deficiency balance decrease will be reported accordingly.
Based on a review of the account, no update will be made to the information being reported.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact our Customer Service directly at 1(888) 222-4227. Our hours of operations are: Monday- Friday 7am-9pm CST, Saturday 7am-5pm CST, and Sunday- Closed.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures: Contract, Payment History
(The consumer indicated he/she DID NOT accept the response from the business.)
Inconsistent reporting on my credit
June 18, 2020
***
*** XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Santander Account Number: ***
Dear Ms.:
We have received your most recent request submitted through the Revdex.com (Revdex.com). Thank you for allowing us the opportunity to address your additional concerns regarding your account with Santander Consumer USA Inc.
As stated in our previous response, the Fair Credit Reporting Act requires that we accurately report account information to the credit reporting agencies. We provide account information to the four major credit reporting agencies: Experian, Equifax, Transunion, and Innovis, however, reporting may differ between agencies. The customer may need to contact the agencies directly regarding any differences between reports.
A review of the information provided to the credit reporting agencies shows that on May 31, 2020 we reported the account as charged off with a balance of $12,249.00. The account charged off on December 31, 2019 after the vehicle was sold.
Once an account has been reported as charged off, it will continue to report as charged off even if the customer continues making payments or if the balance is settled, as Charge Off is a final status. The account will continue to report until the statute of limitations addressed by the FCRA is met. If payments are made, the deficiency balance decrease will be reported accordingly.
Based on a review of the account, no update will be made to the information being reported. Please note that we provide identical information to each credit reporting agency
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact our Customer Service Department directly at 1(888) 222-4227. Our hours of operations are: Monday- Friday 7am-9pm CDT, Saturday 7am-5pm CDS, and Sunday- Closed.
Sincerely,
SANTANDER CONSUMER USA INC.
Terrible practices involving the COVID-19. No COMPASSION for people effected by world-wide deadly disease.
I received a phone call from Santander Consumer from number XXX-XXX-XXXX on Saturday May 16th and I had missed their call. I called them back today, May 19, 2020. I knew this was in reference to a payment, that becasue of the COVID-19 was not able to make. They gave me an extention in April 2020 for the month of MAY 2020. The representative I spoke to informed me this was the best they could do for now until further notice about the COVID-19. I explained to him then I am not working and have not received any unemployment and do not know when to expect any money to come in. He said it was okay, made me do a recording for an extention and have to sign an electronical document even though I explained to him my financial situation AND that is was only for March when it was already April. He said I'll have to call again to get another extention. So I tried to again for May 2020. I'm still not working and do not know when my job will be open again. The representative I spoke to today said she could extent the month of April. I explained this is now MAY. That doesn't make any sense. She said that is the best I can do since you already received an extension. I explained I'm still not working and have yet to receive uneployment. I JUST received a letter that says unemployment has received my information and is processing it. I told her that's all you can do? She said something along the lines that it's my choice and you don't have to accept it. The lack of compassion from this company of the thousands that are dying from COVID-19 and can barely support themselves right now rubbed me the wrong way. There are people losing their entire family, but this company is worried about extending the payment due date for the month before?? I have the electronic document I can send, all calls are recorded, I also have the letter from the unemployment office if needed. I can send screenshots and pictures of MANY other complaints going through the same thing with this company. You actually can just go to their Facebook page. They lack compassion, professionalism and this company is a joke. They give high interest rates to people trying to fix their credit but also need a car to support themselves and their families. I would never reconmend this company. I'm looking into my rights right now and will get with a lawyer if need to. Best belive I'm also refinanciang and leaving this sorry excuse for a company. You showed how you really care about your customers.
I seek this company to go out of business.
May 28, 2020
***
*** Drive
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your request through the Revdex.com (Revdex.com). Thank you for allowing us the opportunity to address your concerns regarding your account with Santander Consumer USA Inc.
We are aware of the current events that may be affecting our customers and regret any inconvenience you may be experiencing during these times and regret any inconvenience that you have experienced in attempting to obtain payment assistance on your account. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Santander Consumer USA Inc. establishes the contract rate based on factors including the down payment, vehicle value, the applicant's credit worthiness and credit rating. We provide contract terms for the applicant, which they can either accept or reject at the time of the application approval. We have confirmed that the APR of 20.91% on the Note and Security Agreement (Contract) is within the allowable state limits.
Our records indicate that we contacted you on April 21, 2020, as the account was 65 days past due. You advised the representative that you were experiencing financial difficulty due to the current natural disaster. At that time, 2 payment extensions were processed for the months of February and March 2020, which were granted to the account on April 22, 2020, making the account due for April 16, 2020 in the amount of $274.34.
Our records do not indicate that you contacted our office prior to April 21, 2020 to request payment assistance.
Our records further indicate that you contacted our office on May 19, 2020, requesting additional payment assistance. A payment extension was offered to you during the call, however, you declined the assistance.
Our Executive Office has attempted to contact you to offer assistance to bring the account current, but our attempts have been unsuccessful.
We are committed to take proactive actions to help customers experiencing difficulty due to the impact of the virus. We have programs in place which include assistance options, extension and waivers of late fees incurred during this time. If additional assistance is needed, please contact us to explore potential options.
Enclosed is a copy of the Contract and Payment History.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact our Customer Service directly at X(XXX)-XXX-XXXX. Our hours of operations are: Monday- Friday 7am-9pm CDT, Saturday 7am-5pm CDT, and Sunday- Closed.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
I am a customer of Santander Consumer USA, I have followed every channel in trying to resolve a problem but Santander Consumer USA falls short every time in fixing the problem. The lack effort in trying as wellI have volunterred to surrender my vehicle to santander this is how far it is gone with them, this issue has to do with the warranty, down to the payments, down to total disrespect
Product_Or_Service: Auto Loan
Other (requires explanation) I DO NOT WANT TO TALK TO ANYONE ASSOCIATED WITH SANTANDER CONSUMER USA.I AM ASKING AND WANT TO SPEAK WITH AN EXECUTIVE MEMBER OF SANTANDER BANK OUT OF THE BOSTON HEADQUARTERS ABOUT THIS SITUATION. SHOULD A MEMBER FROM SANTANDER CONSUMER USA CALL ME, I WILL HANG UP EVERYTIME UNTIL I GET SANTANDER BANK EXECUTIVE TEAM.HOPE TO SPEAK TO SOMEONE SOON
June 1, 2020
***
*** W. Andrew ***
*** TX XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
Dear Mr.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander Consumer USA Inc. account. Thank you for allowing us the opportunity to address your concerns.
Our records indicate that a voluntary surrender request was processed on *** 14, 2020 via recording and the Vehicle associated with the account was repossessed on *** 18, 2020.
The Vehicle has not been redeemed and if not redeemed by June 15, 2020, it will be sold at auction, where the proceeds will be applied to the account. Please understand that the customer is responsible for any deficiency balance due after the sales proceeds are applied to the account if a deficiency balance remains.
Please note that you *** request for cancellation of the warranty coverage through the original Dealership where the warranty was purchased. Please note that you *** contact the Dealership directly for further assistance with your request.
In addition you *** request cancellation of ancillary products such as cancellation of Guaranteed Asset Protection insurance directly with the GAP admistrators (administrators).
Enclosed are copies of the account Contract, GAP Contract and Extended warranty. We are unable to corroborate your statement that you were treated in an unprofessional manner. You *** always request the assistance of a Santander manager if you feel that your issues are not being address on your calls to us.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact us directly at X(XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
This is still an open dispute, spoke with Santander CUSA yesterday. Spoke with Leticia and a response from her is pending for 6/3/20.
Should her response not meet the criteria that I have requested in the certified letter that I sent to CEO Wennes of Santander Bank, I will continue to call out Santander CUSA through various channels including a new certified letter going to the CEO Wennes.
I made a statement of my next intentions to Santander Consumer USA should they choose not to follow through with my requests
June 12, 2020
***
209 W. Andrew Dr.
Mabank, TX XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***4527
Dear Mr.:
We have received your additional request submitted through the Revdex.com (Revdex.com), regarding the above-referenced Santander account. Thank you for allowing us the continued opportunity to address your concerns.
After a review of the account we respectfully suggest that you continue to work with our Executive Office representative regarding your concerns.
We apologize if you feel that you have been treated in an unprofessional manner.
Sincerely,
SANTANDER CONSUMER USA INC.
(The consumer indicated he/she ACCEPTED the response from the business.)
Want 700 dollars put back in the account. Chrysler capital should not have taken any money out of an unauthorized account.
Chrysler capital should not have taken 700 dollars out of an account. THey claimed an IBR was done. There should have been NO money taken out of the account. THe executives who call are rude and they think people have money hanging. I have been out of work for 4 months and no unemployment money coming in. They are rude and nasty on the phone. I want 700 dollars put in the account. I also have a key and they are charging me 400 dollars for a key that I have. I told them that and they will not remove the fee or give me any of the money that is entitled to me. I am sick of Chrysler taking advantage of people. The man at the tow lot said he heard Chrysler does that a lot to people and they don't know how to do business. I am sick of Chrysler manipulating people in taking money from the account with no authorization. I want my 700 dollars back and I want the remaining balance removed and taken care of on the behalf of Chrysler Capital. I have been dealing with this too long and Chrysler does not care about how they treat people. If this is not taken care of I will go to every local news station and tell everyone how Chrysler Capital treats people and how rude they are to people.
I want 700 dollars back into my account. I want the remaining closed off and I will then send my key back to Chrysler Capital. I was treated unfair and discrimanated against because I am a woman. The executive told me that he doesnt like dealing with woman.
May 27, 2020
***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.:***67
Dear ***:
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 *** 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.
The enclosed payment history shows you submitted a payment through our IVR online system in the amount of $150.00 on November 24, 2019, however it was returned on November 29, 2019. In addition, a payment in the amount of $65.00 was submitted through our IVR online system on November 11, 2019 and was returned on December 18, 2019. Both payments were returned to your financial institution.
A further review shows that on July 26, 2019, we received payment in the amount $*70.00 on July 26, 2019 and payment in the amount of $*69.00 on October 1, 2019. Both payments were submitted through the IVR online system which means they were not generated through a Chrysler Capital agent or were they automatically withdrawn. The payments were applied to the account balance and advanced the due date at that time you still had possession of the vehicle. We respectfully decline to return the above payments as no evidence has been presented to dispute our findings.
Regarding the status of your account, the vehicle was sold at auction to the highest bidder and for the best market price available on January 24, 2020 in the amount of $2,800.00. Subsequently, a deficiency letter dated February 12, 2020 was mailed to the address on file which advised how the sale proceeds were applied to the account and the remaining balance owed on the account.
In regard to previous communications with Chrysler Capital, we are unable to substantiate our agents behavior during telephone calls. We apologize if you feel that you were treated in an unprofessional manner. You *** always request to speak with a Chrysler Capital manager in the future.
We respectfully decline to refund any amount paid on the account as the amount was owed and a deficiency balance remains.
After investigating the information provided in your complaint, we are unable to substantiate your statement that you were treated unfairly and found no evidence that Chrysler Capital violated fair lending laws in the origination or servicing of your account. Chrysler Capital is committed to fair lending and treating consumers, customers and vendors with the utmost respect and fairness.
We are unable to corroborate your statement that you have been treated in a rude or unprofessional manner by our agents.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us at (XXX) XXX.56*5.
Sincerely,
CHRYSLER CAPITAL
Santander Consumer USA is Damaging my character. I've paid my car loan in full I would love for them to stop reporting my history with Credit Bureaus.
I think a fair resolution to my issue is to remove my account ive paid this company in full what else do you want from me. They are reporting inaccurately stating that I was late August of 2017 to Equifax and Transunion but yet stating I paid on time to experian I don't understand. Your inaccurate reporting is hurting my character, reputation, and ability to get get approved for funding for new home. I've learned my lesson as a young adult to not do business with companies like Santander these companies are very inconsiderate and have no sympathy for their clients only for profit I Do Not Recommend doing business with this company they ruin your life and credit profile cant forget the ridiculous high interest. All im asking for is to please remove my account from all 3 credit bureaus I would like absolutely no ties with this Company thank you.
Account number XXXXXXXXXXXXX
I would like for Santander Consumer USA to Delete this account from All 3 of my credit reports please and thank you.
28, 2020
***
*** Way ***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account Number: ***
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding your Santander Consumer USA Inc. (Santander) account. Thank you for allowing us the opportunity to address your concerns.
Our records show on November 9, 2018, we received a payoff in the amount of $11,000.00, which left an overpayment amount of $145.99. The overpayment of $145.99, was released for a refund dated on December 4, 2018, via debit card (Wirecard).
The Fair Credit Reporting Act requires that we accurately report account information to the credit reporting agencies. We provide account information to the four major credit reporting agencies: Experian, Equifax, Transunion, and Innovis, however, reporting may differ between agencies. The customer may need to contact the agencies directly regarding any differences between reports.
Based on the information provided, on May 27, 2020, we submitted an update to the credit reporting agencies to report the account as Paid/Closed, Current as of November 09, 2018. Prior delinquencies report 2 times 30 days late for January 2017 and June 2017.
The update was submitted under Audit Number: XXXXXXXX which you may reference for any contact you may have with the credit reporting agencies to confirm the update. Please allow 30 days for the update to be completed.
We respectfully decline your request to further change or remove the information being reported to the credit reporting agencies, as our review of the information reported matches our records.
Enclosed is a copy of the Contract, Payment History and Debt Validation Letter.
We apologize for any inconvenience this may have caused and hope that the written explanation we have provided above regarding the account is helpful to you. If further assistance is needed, you may contact us at (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response because this company is in complete control of how they report to all of these bureaus it's not fair to say to a consumer that information may differ in different bureaus because if you're going to report you should report accurately, keep in my mind your inaccuracies are harming consumers of getting further credit no wonder why this crooked company is being Sued !
June 12, 2020
***
*** Way ***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account Number: ***
Dear Mr.:
We have received your additional complaint submitted through the Revdex.com (Revdex.com). Thank you for allowing us the continued opportunity to address your concerns regarding your account with Santander Consumer USA Inc.
We regret to learn that you did not accept our previous response provided in May 28, 2020.
The Fair Credit Reporting Act requires that we accurately report account information to the credit reporting agencies. We provide account information to the four major credit reporting agencies: Experian, Equifax, Transunion, and Innovis, however, reporting may differ between agencies. The customer may need to contact the agencies directly regarding any differences between reports.
Based on the information provided and to ensure accurate reporting, on May 27, 2020 we submitted an update to the credit reporting agencies to report the account as Paid/Closed/Current as of November 09, 2018. Prior delinquencies report 2 times 30 days late for January 2017 and June 2017.
The update was submitted under Audit Number: XXXXXXXX which you may reference for any contact you may have with the credit reporting agencies to confirm the update. Please allow 30 days for the update to be completed.
Based on a review of the account, no additionally updates will be made to the information being reported.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact our Customer Service directly at X(XXX) XXX-XXXX. Our hours of operations are: Monday- Friday 7am-9pm CDT, Saturday 7am-5pm CDT, and Sunday- Closed.
Sincerely,
SANTANDER CONSUMER USA INC.
This company took over my car account and did not contact me for months to collect in middle on pandemic.
They had the wrong address and never called or emailed me for payment. wasnt even on my creditkarma. I had no idea who they were. Now they are calllind and demanding full payment and lying about tryin to call me Months ago in Januanry before they ever even took over account. I just wanted them to update it to the day they contacted me so I wasn't way behind and not able to make payment during pandemic after having financial trouble.
update accout to day they called me and offer pandemic relief.
28, 2020
***
*** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***9371
Dear Mr.:
We have received your complaint submitted through the Revdex.com (Revdex.com), regarding an account formerly with Gateway One Lending & Finance (Gateway) now being serviced by Santander Consumer USA Inc. (Santander). Thank you for allowing us the opportunity to address your concerns.
Please note that effective March 2, 2020, all Gateway accounts were converted to be serviced by Santander. We apologize for any delays in the servicing of the account during the transition.
Our records indicate that the account we have attempted to make contact by phone to the phone number listed in your complaint and by mail to the address of record. Please note that you *** request an update of your mailing address by contacting our customer service telephone number which is noted below.
In regard to your request for assistance, please note that due to the Covid-19 national emergency, we are offering customers payment assistance. Please contact us at the number below to obtain information about the payment assistance programs that *** be available to you.
In reference to your concerns about credit reporting on your Gateway One Lending & Finance (Gateway) account, please be advised that Santander was not the entity which reported your account to the credit reporting agencies. We are unable to process any changes to the information being reported. It *** be necessary to contact the major reporting agencies directly regarding any concerns with the reporting by Gateway.
Further note that we were not provided with any direct contact information to Gateway for any account inquiries prior to conversion. We will not begin reporting until *** 31, 2020.
Your account indicates a due date of February 29, 2020. Enclosed are copies of the documents that have been mailed associated with your account.
Thank you again for the opportunity to address your concerns. We hope this information has addressed all of your concerns. If further assistance is needed, she *** contact us directly at X (XXX) XXX.4227.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Conversion letter dated 2/21/2020
Account statements (3)
Account assistance available Letters (3)
Santander is reporting late payments beyond on a paid off date of 1/21/20.
Filed dispute with company. Was denied.
Vin ***nXXXXXX
Account XXXXXX
Pay off date 1/21/20
Remove late payments beyond payoff date from credit report. Restore credit.
29, 2020
***
*** E. *** Rd. ***
*** XXXXX
Re: Revdex.com Complaint No.: XXXXXXXX
Santander Account No.: ***
Dear Ms.:
We have received your request submitted through the Revdex.com (Revdex.com). Thank you for allowing us the opportunity to address your concerns regarding your account with Santander Consumer USA Inc.
Our records indicate that effective January 21, 2020, we received a payoff in the amount of $4,631.00 which paid the account in full with a zero balance.
Following the account payoff, Santander Consumer USA Inc. assessed a key fee in the amount of $180.00 effective May 1, 2020, from the repossession that took place on January 12, 2020. As a result of the key fee assessment, the above referenced account was no longer closed and credit reporting resumed.
In an effort to assist you with this matter, a request was submitted to waive the key fee and subsequently was granted on May 27, 2020. We have enclosed a copy of the account Payment History indicating the updated key fee waiver.
The Fair Credit Reporting Act requires that we accurately report account information to the credit reporting agencies. We provide account information to the four major credit reporting agencies: Experian, Equifax, Transunion, and Innovis, however, reporting may differ between agencies. The customer may need to contact the agencies directly regarding any differences between reports.
Based on the information provided in your request, on May 29, 2020, an update was submitted to the credit reporting agencies to reflect the account as Paid/Closed at 90 days late as of February 19, 2020 with a date of last payment on January 21, 2020. Prior history reported the account as 17 times 30 days late, 2 times 60 days late and 1 time 90 days late.
The update was submitted under Audit Number: XXXXXXXX and you may reference this number with any communication she may have with the credit reporting agencies. Please allow up to 30 days for the update to be completed.
The enclosed correspondence dated May 1, 2020, was mailed to you at the address listed in the complaint in response to your credit reporting dispute. We apologize for any inconvenience or misinformation regarding this matter.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact our Customer Service directly at 1(888) 222-4227. Our hours of operations are: Monday- Friday 7am-9pm CST, Saturday 7am-5pm CST, and Sunday- Closed.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures: Contract, Payment History, Credit Dispute Response
An approved and signed agreement on 4/28 between *** and Santander. No payments for May and June, next payment 07/28 was not honored.
On 03/30/20 I tried to contact Santander Consumer USA about an extension on my 2017 Cadillac XT5. To my dismay the recording would hang up at the very end after several tries. So I emailed them on their website. Several days later (May 3rd), a response came stating, "Thank you for submitting a question and will respond soon. They responded on 04/28. It was an Extension Agreement that the following payments under the Contract will be extended: 5/28/20 and 6/28/20 with my next regular payment due date 07/28/20. Bi-weekly payments were auto posted every 2 weeks.
Payments were still withdraw from my account of $395.02 on May1 and May 15th.
Why? Not only that but the Account Summary states that recent payment was on 4/27. That is not true. The Transaction History dated 05/16/20 has last posted payment as 04/27/20. Where are my payments that were withdrawn from my account on May 1st and May 15th by Santander. Why was the Contract not honored?
I am seeking a refund of $790.04. I have never missed a payment since 2017 and only because of the impact from the coronavirus epidemic is it needed.
May 27, 2020
***
P.O. Box XXXXX
Jacksonville, FL 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 are aware of the current events that may be affecting our customers, and regret any inconvenience you may have experienced during these difficult times. We are currently experiencing a significantly higher inbound volume than usual, and regret any inconvenience you may have experienced when attempting to obtain more information about your account.
Our records indicate that on April 28, 2020, you were granted two monthly payment extensions for the months of May and June 2020. Your next payment is due on July 28, 2020 in the amount of $784.85.
If you still require further payment assistance, please contact us at the number below to obtain information about the payment assistance programs that may be available to you.
Our records indicate that payments have been received for the account through your banks bill payment system and were not automatically withdrawn by Santander. The last payment we received from your bank was on April 27, 2020, in the amount of $785.14. Please contact your bank directly regarding payments being made to Santander or to stop any further scheduled payments.
We respectfully decline to refund $790.04, as Santander did not withdraw payments from your bank account on May 1, 2020 or May 15, 2020.
Enclosed is a copy of the Payment History.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us directly at (XXX) XXX-XXXX.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosure
(The consumer indicated he/she ACCEPTED the response from the business.)
My account (XXXXXXXXXX) shows an over due amount in the top right hand corner of the account page. All monies have been paid.
My account maturity date was 4/24/2020 and I have satisfied all financial requirements including all monthly payments and the vehicle turn in fee. The vehicle was inspected by CCAP's inspection service and no deficiencies were found and the vehicle was turned in to my local Dodge dealership. I received a letter from CCAP stating that all requirements had been met. Now my account is showing a red flag of a past due amount of $374 (see attached documentation). I have called and also written an e-mail to CCAP about my account and they cannot seem to get the issue resolved and make my account information reflect accurate information. The e-mail response says that "THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE." (see attached document). When I called CCAP about this they said that was a form letter. I asked them to please get the information corrected on my account and they said I would have to contact corporate. It should also be noted that the letter that I received pertaining to my release states that if any future problems exist I might be charged. I would think that with their company doing the inspection of the vehicle and certifying that the vehicle was flawless, coupled with the fact that their records reflect that all monetary obligations, including the vehicle turn in fee having been paid, that the letter would state these facts. The line that says you *** be charged at a later date only serves as a cover their backside letter. It DEFINITELY doesn't reflect that all obligations have been met and the customer is free and clear. First problem - My account needs to reflect that there is no money due and all contractual obligations have been met. Second problem - The release letter should be just that, a release letter without any of their what if scenarios, since they have the record of inspection and money obligations having been met. This is the worst customer service I have ever experienced in my entire life!
Correct my account information BEFORE it causes an erroneous reporting to a credit agency and issue a release letter that shows that the customer has met all financial requirements and contractual obligations WITHOUT that ambiguous statement that the customer may be charged more at a later date. (There should be copies of the e-mail request for correction and the account page reflecting the past due flag attached to this complaint. If not, please let me know and I will send them again if they are needed for the record.)
27, 2020
***
889 Norris Drive
Columbus, OH XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***0695
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 apologize for any misunderstanding regarding the remaining balance owed on the account. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate that the vehicle associated with the account was grounded on February 24, 2020 and then sold on *** 19, 2020.
Please note that a balance will still appear on your online account with Chrysler Capital until the vehicle is sold. We have confirmed that the account reflects a zero balance and that there will be no future charges added to the account. Again, we regret any misunderstanding regarding this matter.
Please also note that the verbiage mentioned in your complaint is standard verbiage that is used when communicating with our customers.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. We provide account information to the four major credit reporting agencies - Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports.
On *** 22, 2020, we submitted an update to the agencies to report the account as Paid/Closed, Current, with no prior delinquencies. Please allow 30 days for the process to be complete.
Enclosed is a copy of the Transaction History.
Thank you again for the opportunity to address your concerns. If further assistance is needed please contact us directly at (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
Enclosure
(The consumer indicated he/she ACCEPTED the response from the business.)
It should be noted that the verbiage mentioned in the company's standard letter mentioned in their response needs to be changed to prevent others from experiencing this same problem. The verbiage in their loan papers also needs some serious modification to allow people to settle their account early as long as the full money amount is paid. This all started because I could not drive my car due to the tires not being able to be driven in weather under 40 degrees. No tires are available for this vehicle that would remedy the problem. I offered to pay all money due to them including the vehicle turn in fee. This would have given them the vehicle back with 3000 miles less and six months less age on the vehicle. They would not allow it simply because of their contract's verbiage. What good did it do anybody for that vehicle to sit in my garage being unable to be used by anybody? NONE at all! I will never use Chrysler Capital again in my life time. Their poor customer service and poorly written contracts and form letters are inexcusable. As long as this gets reported to the credit bureaus as closed with no delinquencies, I will be satisfied. It takes a long time to get credit established and problems such as these are EXACTLY what leads to credit reporting problems. That big red OVER DUE notice should NEVER have shown up on my account page!
Purchased vehicle 2013 paid for vehicle for 5 years they had wrong intreast rate because my ssn was wrong on contract
Purchase in 2013 with very high interest rate car was paid for over 5 years and still had a 12,000 balance I volunterly surrenders car in 2018 because of taketa air bag recall only to find my contract had the incorrect social security number on it the past 5 years I was paying for the high interest rate because the bank put the incorrect social security number and I was being charged as if I had no credit looking to have this item fully removed from credit report
Account number XXXXXXX
Looking to have this fully removed from credit report they sold my debt which has been paid they have ruined my credit all because they put incorrect social security number
28, 2020
***
***. ***
***, *** XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Santander Account No.: ***
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 on August 28, 2019, the account sold to a third party, Jefferson Capital Systems, LLC; therefore, we are unable to take any action concerning the account. A review of our records indicate that a Sold Account Letter, dated August 29, 2019, was mailed advising you of the account sale to Jefferson Capital Systems, LLC.
The terms of the Retail Installment Sale Contract (Contract) were negotiated with you and originating dealership at the time of purchase. Any disagreements with any information provided, terms and conditions would have needed to be addressed prior to agreeing and signing the provided documents at the time of vehicle purchase.
Please note that Santander sets the interest rates based on many factors including but not limited to the down payment on the vehicle, the current value of the vehicle at the time of the contract origination and the applicants' credit worthiness and credit rating. Santander proposes funding for the applicants which they can either accept or reject at the time of their application.
Please be advised that we are unable to substantiate your statement regarding an incorrect Social Security Number was provided with the information provided in your complaint. Additionally, there was not sufficient evidence provided to consider the originating dealership committed any inappropriate act.
The default was not cured, and on March 12, 2018 we took possession of the vehicle associated with the account when the account was 111 days past due. We then mailed you a letter titled, "Notice of Our Plan to Sell Property" (NOI), dated March 12, 2018, explaining the vehicle will sell at a private sale sometime after March 26, 2018, but also gave you the option to redeem the vehicle.
The vehicle was not redeemed and was sold at auction on April 13, 2018. We then mailed you a letter titled, "Explanation of Calculation of Surplus or Deficiency" (Deficiency letter), dated *** 02, 2018, advising of the sales proceeds, how they were applied to the account and the remaining balance owed on the account.
The Fair Credit Reporting Act requires that we accurately report account information to the credit reporting agencies. We provide account information to the four major credit reporting agencies: Experian, Equifax, Transunion, and Innovis, however, reporting *** differ between agencies. The customer *** need to contact the agencies directly regarding any differences between reports
A review of the information provided to the credit reporting agencies shows on January 10, 2020 we advised the agencies that the account was Closed/Charged Off with a zero balance and was purchased by another company Jefferson Capital Systems, LLC. The account charged off on March 31, 2018, with a reported amount of $10,736.00.
Based on a review of the account, no update will be made to the information being reported.
Thank you again for allowing us the opportunity to address your concerns. We request that all future inquiries or requests regarding the account be directed to Jefferson Capital Systems, LLC at 1 (800) 281.2793.
Sincerely,
SANTANDER CONSUMER USA INC.
Enclosures
Contract
Payment History
Notice of Repossession and Notice of Our Plan to Sell Property
Explanation of Calculation of Surplus of Deficiency
Sold Account Correspondence
They continual add late fees and interest after payment arrangements were agreed upon.
On April 15th 2020 payments arrangements were made with Chrysler Capital of $300.00 every two weeks to keep my account current. I called customer service this morning and denied me of information regarding how much interest is accumulated per day on the current contract. Arrangements were made on the 30th of April but weren't adhered to by Chysler Capital... it's been a residual problem throughout my dealing with this financial institution and I just wanted my voice heard. My daughter and I have paid at least XXXXX dollars over this contract in late fees and penalties....ChyslerCapital/Santander has been unaccountable to their fabrications.
I want Chysler Capital/Santander to agree upon a payment resolution in keeping with customer services word....bring the account current and to stop adding fees and late charges indiscriminately.
28, 2020
***
XXXX XXst St.
Lubbock, TX XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account ***
Dear ***:
We have received your response 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.
Our records indicate that you entered into a Motor Vehicle Retail Installment Sales Contract (Contract) on August 14, 2014 in connection with the purchase of a 2012 Dodge Charger (Vehicle). The amount financed was $23,398.22 at an annual percentage rate (APR) of 14.49%. The payment schedule called for 72 monthly payments of $488.30 each month, with the first payment due on September 13, 2014. The contract was assigned to Chrysler Capital.
In regard to the total amount paid on the account, we refer you to the Federal Truth-in-Lending Disclosures on Page 1 of the Contract. Under the section titled "Finance Charge", the dollar amount that the credit will cost you, is $11,759.38, plus the "Amount Financed" of $23,398.22, equals the amount paid under the section titled "Total of Payments", which reflects the amount of $35,170.60. This is the amount you would have paid if all payments had been made according to the payment schedule set forth in the Contract.
Over the life of the account you requested and were granted a total of 8 monthly payment extensions, a due date change and a temporary modification, which lowered your payments for a 6 month term to $292.98. In some months, no payment was received, or the payment received was less than the contracted monthly payment amount. In addition, payments were submitted late to the account, of which, 27 were paid more than 15 days late, which caused late fees to be assessed to the account. Please note that an amount totaling 56 payments have been received on your account.
After a review of the account, we have determined that the reduction of the principal balance is accurate. In the agreed upon auto finance Contract, it shows that the account is calculated using the Simple Interest Method. This means the balance accrues interest on a daily basis and assumes the customer will make their payment on the regularly scheduled payment due date. The amount of interest accrued daily can vary based on the amount of the principal balance and the number of days between payments.
Our records indicate that the Vehicle was deemed a total loss on or about November 28, 2019. On that date, the outstanding principal balance on the account was $15,491.61, which did not include outstanding interest or fees owed, if any.
In addition, the payment history indicates that on January 22, 2020, a Guaranteed Asset Protection Insurance (GAP) payment was received effective January 17, 2020 from Protective Asset Protection (GAP carrier), in the amount of $21.44. This reduced the remaining principal balance owed on the account to $5,558.25. Our records show that no other refunds or payments were received after that date.
We are unable to substantiate a conversation with Chrysler Capital on April 15th, 2020 and being denied information regarding interest accrued. However, on *** 5, 2020 you spoke with representative in our Customer Service Department in which we advised of your past due balance, however you were unable to pay due to your current situation. Please note, an arrangement was setup to pay $300.00 bi-weekly until current, your account was already past due prior this conversation.
As of the date of this correspondence, your account is currently 59 past due for March and April 2020 monthly payments, in addition to an upcoming monthly payment due for *** 30, 2020.
Please note there are no outstanding fees and the last time we assessed a fee was on January 23, 2019 from the repossession fee in the amount $395.00 which has been paid. Additionally no late fees have been assessed to your account since November 15, 2018.
Enclosed are copies of your Contract and Payment History.
Thank you again for allowing us the opportunity to address your concerns. If further assistance is needed, please contact us at (XXX) XXX.5635.
Sincerely,
CHRYSLER CAPITAL
Enclosures
(The consumer indicated he/she DID NOT accept the response from the business.)
Most of what Santander/Chryler Capital is accurate except of the fact....which I brought up to the representative's dismay was the fact that I indeed
Did not authorize the 8 deferments/monthly payment extensions. Which did in fact add payments to the back end of the loan... I feel as if this was an incalculable error on Santanders part... In my opinion this has nullified and voided this contract due to falsifying and misrepresenting my authority due to me being the primary on the contract. Of course I knew it would raise the principal of the loan at with deferment
My account (XXXXXXXXXX) shows an over due amount in the top right hand corner of the account page. All monies have been paid.
My account maturity date was 4/24/2020 and I have satisfied all financial requirements including all monthly payments and the vehicle turn in fee. The vehicle was inspected by CCAP's inspection service and no deficiencies were found and the vehicle was turned in to my local Dodge dealership. I received a letter from CCAP stating that all requirements had been met. Now my account is showing a red flag of a past due amount of $374 (see attached documentation). I have called and also written an e-mail to CCAP about my account and they cannot seem to get the issue resolved and make my account information reflect accurate information. The e-mail response says that "THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE." (see attached document). When I called CCAP about this they said that was a form letter. I asked them to please get the information corrected on my account and they said I would have to contact corporate. It should also be noted that the letter that I received pertaining to my release states that if any future problems exist I might be charged. I would think that with their company doing the inspection of the vehicle and certifying that the vehicle was flawless, coupled with the fact that their records reflect that all monetary obligations, including the vehicle turn in fee having been paid, that the letter would state these facts. The line that says you *** be charged at a later date only serves as a cover their backside letter. It DEFINITELY doesn't reflect that all obligations have been met and the customer is free and clear. First problem - My account needs to reflect that there is no money due and all contractual obligations have been met. Second problem - The release letter should be just that, a release letter without any of their what if scenarios, since they have the record of inspection and money obligations having been met. This is the worst customer service I have ever experienced in my entire life!
Correct my account information BEFORE it causes an erroneous reporting to a credit agency and issue a release letter that shows that the customer has met all financial requirements and contractual obligations WITHOUT that ambiguous statement that the customer may be charged more at a later date. (There should be copies of the e-mail request for correction and the account page reflecting the past due flag attached to this complaint. If not, please let me know and I will send them again if they are needed for the record.)
27, 2020
***
889 Norris Drive
Columbus, OH XXXXX
Re: Revdex.com Case No.: XXXXXXXX
Chrysler Capital Account No.: ***0695
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 apologize for any misunderstanding regarding the remaining balance owed on the account. Our customers concerns and experiences are of the utmost importance to us and we appreciate your feedback regarding this matter.
Our records indicate that the vehicle associated with the account was grounded on February 24, 2020 and then sold on *** 19, 2020.
Please note that a balance will still appear on your online account with Chrysler Capital until the vehicle is sold. We have confirmed that the account reflects a zero balance and that there will be no future charges added to the account. Again, we regret any misunderstanding regarding this matter.
Please also note that the verbiage mentioned in your complaint is standard verbiage that is used when communicating with our customers.
The Fair Credit Reporting Act (FCRA) states that we are required to accurately report all account information to the Credit Bureaus. We provide account information to the four major credit reporting agencies - Experian, Equifax, Transunion, and Innovis. It *** be necessary to contact the agencies directly regarding any disparity between reports.
On *** 22, 2020, we submitted an update to the agencies to report the account as Paid/Closed, Current, with no prior delinquencies. Please allow 30 days for the process to be complete.
Enclosed is a copy of the Transaction History.
Thank you again for the opportunity to address your concerns. If further assistance is needed please contact us directly at (XXX) XXX-XXXX.
Sincerely,
CHRYSLER CAPITAL
Enclosure
(The consumer indicated he/she ACCEPTED the response from the business.)
It should be noted that the verbiage mentioned in the company's standard letter mentioned in their response needs to be changed to prevent others from experiencing this same problem. The verbiage in their loan papers also needs some serious modification to allow people to settle their account early as long as the full money amount is paid. This all started because I could not drive my car due to the tires not being able to be driven in weather under 40 degrees. No tires are available for this vehicle that would remedy the problem. I offered to pay all money due to them including the vehicle turn in fee. This would have given them the vehicle back with 3000 miles less and six months less age on the vehicle. They would not allow it simply because of their contract's verbiage. What good did it do anybody for that vehicle to sit in my garage being unable to be used by anybody? NONE at all! I will never use Chrysler Capital again in my life time. Their poor customer service and poorly written contracts and form letters are inexcusable. As long as this gets reported to the credit bureaus as closed with no delinquencies, I will be satisfied. It takes a long time to get credit established and problems such as these are EXACTLY what leads to credit reporting problems. That big red OVER DUE notice should NEVER have shown up on my account page!
Due to Covid 19, I was unable to return my vechicle in March as scheduled, because Michigan had the stay in order in place, I contacted chrysler capital to let them know that it would be another month because our dealerships were closed and supossed to be opening back up April 13, the gave me 2 additional months to give our city to open back up. I was able to replace my vehicle on April 24 as well as made the additional payment for the month of April. I received a lease turn in statement charging me for the Month of May which I turned their vehicle in in April. I call them so review the statement, the person I spoke with refused to remove this charge from my statement. I have leased 2 vehicles in the last 3 years with no missed payments on either vehicle. With everything going on and the impact Covid 19 has had on my family. Chrysler Capitol is being very unreasonable with expecting a payment on a vehicle I no longer have. I was unable to speak to someone who could assist me in dealing with this $286.02 payment. 3 years of on time payments and to be railroaded over $286.02 is just plan wrong!!!
Other (requires explanation) For this $286.02 payment for a vehicle I no longer have to be removed from my record
28, 2020
*** L. ***
14967 Mark Twain Street
Detroit, MI XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
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.
We are aware of the current events that *** be affecting our customers and regret any inconvenience you *** be experiencing during these uncertain times. Our customers' concerns and experiences are of the utmost importance to us.
Our records indicate your Motor Vehicle Lease Agreement (Lease) was scheduled for termination on *** 16, 2020. Please be advised that under the terms of the Lease, upon termination the customer agrees to pay a disposition fee, if any, excess wear charges and excess mileage charge, if any, and all other amounts then due or past due under the Lease. Please note that your Lease was not scheduled for termination in March 2020, and your payments were $347.32 per month.
A review of the account indicates that the vehicle was grounded on *** 11, 2020, prior to the maturity date of *** 16, 2020. Our records show that we have received all 36 payments per the terms of your Lease, the last being posted to your account on *** 17, 2020 in the amount of $347.32.
Our records further indicate the last contact we received from you was on March 4, 2020 when you called in regarding end of lease term options.
Enclosed is a copy of your Lease agreement.
Thank you again for bringing this matter to our attention. If further assistance is needed or additional information can be provided regarding this matter, please contact us directly at X (XXX) XXX.5635.
Sincerely,
CHRYSLER CAPITAL
Enclosure
(The consumer indicated he/she DID NOT accept the response from the business.)
The vehicle they responded on was not the vehicle in question, it was my Journey in question not my Challenger which is what they responded on. My Journey was due back in March.
Chrysler capital took money out of my account unauthorized
*** from Chrysler is very rude
I want my money back in my account
Chrysler capital took money out of my account with no authorization
No one never calls or wants to respond
I always have to call and they geth mad when you interrupt them
They gave me a settlement amount and asked for the amount to be wiped clean so I can be done with this. *** just thought it was funny and he laughed about.
I am a customer and Chrysler does this to a lot of people
They treat people like trash
Want my 700 dollars back in my account Want an apology letter sent Want the remaining balance of vehicle wiped clean
Sandtander is the worst company ever!!!!! run fast please please please please do not get a auto loan with them they are scammers!!! You will be Charge extra interest and pay double for the car it's not worth it.. I rather catch the bus then get a loan with them again
Sandtander is the worst company ever!!!!! run fast please please please please do not get a auto loan with them they are scammers!!! You will be Charge extra interest and pay double for the car it's not worth it.. I rather catch the bus then get a loan with them again
I understand with the current pandemic that their are expected to higher wait times and hiccups , but I am very dissatisfied with fraud claims proces
My husband and I have a joint account that two fradualnt checks were taken out of. Even one of the fraud agents said it was such obvious fraud that is suprised him. So he told us that it was being dealt with and the next day it would be returned to our accounts (mind you these checks wiped our accout out and caused overdraft fees and for some reason weren't flagged?!) . I caught the charges the day it hit our account. The following day one check was retuned but not the rest. These fraudulent checks were by same person , same format, everything. After endless wait times and talking to people in 3 different departments we finally were told more then the " we don't know what happened but that other check wasn't caught in or we can't help you past what we did with you have to do a claims now...".They said it could take 10 days in claims because the process with the bank that accepted bad check etc... Meanwhile our account and funds are all frozen and we had to set up a new account and get special permission to do that over the phone because couldn't online because fee associated and our funds being frozen. We were told yes and that a note was made in our account only to catch some other customer service rep next call that said no we can't do it over phone despite medical concerns. I kid you not we spent over 7hrs in one week between wait times following up and trying to deal with setting up acct and status and all of this nightmare. My family has health concerns and can't go into a branch. We were able to finally set up an account over phone but a single act and still waiting for a call to make it joint. They mad phone appointment to make joint over phone and then never called. Meanwhile we have no debit cards yet , no joint acct, no updates on the claim and when it will be done and frozen joint account. My husband had to a go into a bank branch amidst all this to get out money those first 24hrs after we contacted fraud this happened because no one could help us in time release funds that day. Only to sit in a branch saying the note but on the acct by fraid to allow for some money for food and gas could not be honoured because their manager was not in to confirm it on the system. My husband sat in there for 40mins to be told that. We had to have family come.social distance give him money for gas .So all in all, so incredibly frustrated and just want this issue to be resolved that was supposed to be orginally resolved within 24hrs and now it is 8 days later.... The check by the way was so fake it boggles the mind how it was not caught systematicly or otherwise.
I just want this process to be expedited so.we get our funds back and I want the joint account done over the phone. I also know.it is wishful thinking but not having to.wait 30mins on the line to talk to a person.
May 22, 2020
***
***
*** XXXXX
Re: Revdex.com Complaint Number: XXXXXXXX
Dear ***:
We have received your complaint submitted with the Revdex.com (Revdex.com). Thank you for allowing us the opportunity to address your concerns.
After reviewing our records we are, unfortunately, unable to locate an account in your name, or verify your information, with the information provided in your complaint.
Further note, Santander Consumer USA Inc. (Santander) is an auto finance company. We do not offer checking/saving accounts, and we do not have public branches for customers to visit. Based on the information in your complaint it appears that you may need to contact Santander Bank, N.A. (SBNA) for a proper resolution.
Although Santander Consumer USA Inc. is an affiliate of SBNA, it is a separate entity; therefore, we are unable to provide you with a response to your complaint at this time as the matter involved does not appear to be related to our company business. As such, we respectfully suggest that you have the Revdex.com send your complaint directly to SBNA.
However, if you do have an account with Santander Consumer USA Inc., please provide us with additional information such as: the full account number, your full Social Security Number, Vehicle Identification Number (VIN), phone number associated with the account, or any other information you have that could assist us in locating your account.
For a prompt response to your request, please send the requested information to us through the Revdex.com.
Once the information is received, the matter will be reviewed and an additional response will be provided.
Sincerely,
SANTANDER CONSUMER USA INC.
I have been trying to have an expired reimbursement check reissued since October 2019.
To Whom It May Concern:
I have been attempting to have an expired check reissued from Chrysler Capital for $434.89 since October 2019. I started by making calls to Chrysler Capital who assured me 3 different times the check had been reprocessed and mailed and I did not receive it. Then on November 26, 2019, I was able to speak to a supervisor through Chrysler Capital who informed me my check was now sent to "Unclaimed Property" and indicated that I needed to email a picture of the check, my driver's license, the account number and check number and they would be then be able to reissue my check which the supervisor stated would take approximately 5 months to reissue.
I submitted all that information on 11/26/19 and received an automated message stating that this process would take 5 months. I was informed the check was now through the company Santander Consumer USA Inc due to it being placed in Unclaimed Property. I sent multiple follow up emails on March 17, 2020, April 18, 2020, and April 23, 2020 without any response from Santander. I then spoke with another manager, Karen (ID XXXXXX) on May 1, 2020 who stated I needed to resubmit all the above documentation due to not verifying my marriage license and that this again would be an additional 5 month waiting period. At this time, I resent the documentation on 5/1/2020 along with an email stating I would like a response from them by 5/8/2020 or I would be filing a complaint to which I again received no response or verification that my documentation was received. I called again on 5/12/2020 and was told by another customer service representative that a supervisor would be calling me within 72 hours in regards to my check and did not receive a call back.
I would like to file a formal complaint in regards to these above listed concerns. I can be contacted directly at XXX-XXX-XXXX or ***@gmail.com in regards to this complaint. Thank you for your time and attention to this matter.
Sincerely
I would like this check reissued.
June 9, 2020
***
*** XXXXX
Re: Revdex.com Complaint No.: XXXXXXXX
Chrysler Capital Account No.: ***
Dear ***:
We have received your request submitted through the Revdex.com. Thank you for allowing us the opportunity to address your concerns regarding your account with Chrysler Capital.
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 further review on May 29, 2019 we mailed your Guaranteed Asset Protection Insurance (GAP) refund in the amount of $434.89 to the address on file. As of today dated the check has not yet been cashed however has expired.
Please note, the expired check is now considered unclaimed property.
We have received a copy of your marriage license therefore our accounting department is processing to re issue the check in your married name: *** in the amount of $434.89. We empathize your situation and we have requested expedited treatment on this matter, however please allow time for processing up to 30 business days. We sincerely apologize for the delays you have experienced in this matter.
Thank you again for the opportunity to address your concerns. If further assistance is needed, please contact our Customer Service directly at 1(855)563-5635. Our hours of operations are: Monday- Friday 7am-9pm CDT, Saturday 7am-5pm CDT, and Sunday- Closed.
Sincerely,
Chrysler Capital
(The consumer indicated he/she DID NOT accept the response from the business.)
Due to all the previous miscommunications with this company and them telling me several times in the past they had previously mailed the check I prefer to hold this case open until I physically receive this check.
I received my check today.
Information reported to Credit Bureau
I have an auto loan with Chrysler Capital. Due to the current pandemic, a governor that refuses to let the state work and a failed UC system I have become behind on my car loan. I have called Chrysler and even though they say they will work with you they don't. I have in a 2 week period paid a total of $980.01 on my car... I am doing the best that I can while not having an income. I am upset because they have reported my past due to the credit bureaus, In a time when the US was completely shut down beyond my control I don't think this is fair. What are we supposed to do when we are banned from working?
I would like this mark removed from my credit report. I am making every attempt to make my payment and do not feel that reporting this to the credit company is how you handle it during a crisis.
May 27, 2020
***
*** Street, Apt.
PO Box 21
Morgantown, PA XXXXX
Re: Revdex.com Case Number: XXXXXXXX
Chrysler Capital Account Number: ***
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.
We are aware of the current events that may be affecting our customers and regret any inconvenience you may be experiencing during these uncertain times. Our customers' concerns and experiences are of the utmost importance to us. Please note that we have recently revised our ability to provide assistance to our customers.
We kindly ask that you log into your MyAccount and submit a message using your MyAccount inbox to request an extension. Once the online extension request form is submitted, we ask that you allow up to 5-7 business days for processing. Please do not submit an additional form while your original request is pending. You will subsequently receive notification through the MyAccount inbox to confirm the status of the application. You may also call the number below.
The Fair Credit Reporting Act states that we are required to accurately report all account information to the credit reporting agencies. 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.
A review of the information provided to the credit reporting agencies shows that on April 30, 2020, we advised the agencies that the account was 30 days past due. Prior delinquencies shown as 2 times 30 days past due.
While we empathize with your situation, we respectfully decline your request to update the account on your credit reports at this time, as we have confirmed the information reported matches our records.
As of the date of this correspondence the account is 47 days past and is due for the April 9, 2020 through June 9, 2020 payments.
We apologize if you feel that you have been treated in an unprofessional manner. 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.***.
Sincerely,
CHRYSLER CAPITAL