Vehicle loan or lease -- Problems at the end of the loan or lease -- Complaint #4941464
Complaint Overview
Complaint ID: 4941464
Company: Santander Consumer USA Holdings INC.
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Problems at the end of the loan or lease
Sub-Issue: Unable to receive car title or other problem after the loan is paid off
State: Missouri
ZIP Code: 640XX
Date Received: 2021-11-23T12:00:00-05:00
Date Sent to Company: 2021-11-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/2021 I spoke with 3 members of Chrysler Capital about the Title and the retail installment sale contract/purchase money loan and violation of the down payment. Members names and ID 's are the following : XXXX. XXXX # XXXX XXXX. XXXX # XXXX XXXX. XXXX # XXXX - executive office manger I informed the 3 members that I noticed " billing errors '', " fraud '', " deceptive '', " misleading '' and false representation of the character and amount in the " purchase money loan '' pursuant to 16 CFR 433.1 ( d ). Also, I informed the 3 members of Chrysler Capital that the Title should be granted LIEN free. As of XX/XX/2021 Chrysler Capital is in receipt of my " Cease and Desist letter ( 15 USC 1692c ( c ) ) '', " Debt Validation Letter ( 15 USC 1692 ( g ) ) which chrysler capital needs to send me a written notice containing the following ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
Frequently Asked Questions
What is Complaint #4941464 about?
Complaint #4941464 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 2021-11-23T12:00:00-05:00.
How did Santander Consumer USA Holdings INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.