Vehicle loan or lease -- Problems at the end of the loan or lease -- Complaint #4360579
Complaint Overview
Complaint ID: 4360579
Company: Santander Consumer USA Holdings INC.
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Problems at the end of the loan or lease
Sub-Issue: Problem with paying off the loan
State: Washington
ZIP Code: 983XX
Date Received: 2021-05-08T12:00:00-05:00
Date Sent to Company: 2021-05-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
We traded in a vehicle early and had an early termination of our lease on XXXX. The final play off check ( {$19000.00} ) was sent to Chrysler Capital by the dealership on XXXX. Chrysler Capital lost the pay off check and have admitted it was their fault but not until just last week. Because the check was lost and the lease not terminated our account became delinquent. We got the first notice on XXXX. Chrysler Capital told the dealership that the check the supposedly never received was short and demanded more money from them ( {$490.00} ). The dealership send in more money on XXXX but not until we received another delinquent mark on our credit report. The additional funds were sent in by the dealership in the amount of Finally Chrysler Capital demanded another pay off check be send in for the original ( {$19000.00} ). In order to close the account. The dealership sent the check on XXXX and it was received and signed for on XXXX. Chrysler Capital admitted that for 12 days the were unable to locate this 3rd check and again we received another delinquent mark on our credit reports. Chrysler Capital was finally able to find the check and post it to close the check. 65 days after I first spoke with them to try to find a solution. Now they are not responding with the needed information to update our credit reports. Throughout the process I have been told countless mistruths, been given misleading fact, been told this was all my fault. We have been promised but never received a speed resolution, call back from managers, and documentation. You are unable to reach directly those people who are assigned to you account. You are unable to reach managers. Emails are never returned. We are in the process of buying a home and closing is contingent on Chrysler updating our credit and providing necessary documentation. They have known from day one that this is a time sensitive request but have made no good faith effort to resolve the issue which will potentially cost us thousands of dollars and the lose of a custom built home.
Frequently Asked Questions
What is Complaint #4360579 about?
Complaint #4360579 was filed against Santander Consumer USA Holdings INC. regarding Vehicle loan or lease specifically about Problems at the end of the loan or lease. It was received by the CFPB on 2021-05-08T12:00:00-05:00.
How did Santander Consumer USA Holdings INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against Santander Consumer USA Holdings INC.?
Yes, visit the Santander Consumer USA Holdings INC. company profile at readthecomplaint.com/company/santander-consumer-usa-holdings-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.