Consumer complaint received 2020-11-18
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I'M SENDING YOU 2 SEPARATE LETTER THAT I MAILED TO CHRYSLER CAPITAL. IT'S MY HOPE THAT YOU CAN UNDERSTAND THE ENTIRE SITUATION BASED ON MY LETTERS. 

This is what I sent to Chrysler Capital on XX/XX/XXXX Start Date of Dispute : XX/XX/XXXX to Present Chrysler Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX Chrysler Credit Bureau Disputes : I was on one of my credit card accounts and noticed that my credit information was on there. It wasnt just a credit score ( like what Im used to seeing on other credit card statements ). I noticed more in-depth details about my credit score and why it was the way it was. Let me just say that I was completely shocked I have moved several times in my life, and I have always been able to get my mail forwarded to my new address and my bills paid ( without ever being late ). But this last move has just been disastrous for us. I had mail arriving 2 months past the post mark, mail pieces with damaged/unrecognizable contents, yellow forwarding stickers with the name of the buyer that I sold my home too, and mass confusion about whether my address is located in XXXX or XXXX XXXX ( because for some reason those two cities have the exact same zip code )!!! I also have been trying to get informed delivery for my mail and have yet to see even one, single email informing me about my mail ( even though I have opened cases about my issue to the USPS several times already ). The sad thing is that I moved in XX/XX/XXXX and things are still not exactly going smoothly. 

It looks like a new XXXX XXXX that I am leasing through Chrysler Capital caused my credit score to go down drastically ( by nearly 100 points )!

I am sincerely and desperately asking for your help. I am requesting that you investigate our phenomenal credit history and credit scores. In the past 25 years, my wife and I have NEVER had a late payment attached to our credit reports. In the past 25 years, we have NEVER had a bankruptcy. In the past 25 years, we have NEVER had a delinquency. In the past 25 years, we have consistently had scores over 700 points. And if you wanted to look past 25 years ( before we got married ) you will find the same exemplary credit history. 

Heres where I need your help. Please, please have compassion on us. We moved and had things happen to our mail that was completely out of our control. We worked hard to get everything straightened out, with every company that we deal with. The XXXX payment issue was the only thing that didnt seem to surface when I was calling all those companies to get my address corrected and mail delivered to the right place. If it wasnt for my wife pulling out a pen and paper to write everything down and review the bills with me ( just to be sure ) I dont know how much longer this would have gone on. I realize that there are many ways to pay and, in some ways, there are really no excuses. Life just happened and I got overwhelmed with everyone I was calling and explaining the situation too. This bill just slipped through the cracks. The weird thing is, I even got Chrysler Capital inspections in XXXX on two leased vehicles that are going to be turned in XX/XX/XXXX. I had to talk to a Chrysler Capital representative to get those inspections doneI really wish the representative would have raised the issue with meI may not be writing this letter if they would have. 

Just to explain further how we really take extra care to always pay our bills on time, as soon as I realized that the XXXX  payments hadnt been made, I created online accounts for all our cars ( for the first time since being a Chrysler Capital customer ) and made ALL 3 PAYMENTS IMMEDIATELY AND ELECTRONICALLY ( {$830.00} ON XX/XX/XXXX ). I created the accounts because I knew how urgent it was, especially since the issue surfaced around the new year and I couldnt get through to a representative to apologize and make the payments. 

I ask that you please have compassion and correct my credit reports by reversing the negative events. I am not sure exactly how you will do this and Im not exactly sure how to phrase my request, but when I went online to look at my Chrysler Capital accounts, I noticed that there was an option to write a letter to the bureau ( so I decided to write this to you ). We have been Chrysler Capital customers since XX/XX/XXXX. Since then we have always leased anywhere from 2-4 cars for our household. Please look specifically at our Chrysler Capital accounts over the years. We were never late. If you see anything that was late it was only due to a move. We have moved twice since XX/XX/XXXX. Please notice that right now we are leasing 3 vehicles! We are very loyal customers. Please dont punish us for this extremely rare event by hurting my credit. 

In addition, throughout the years we have ALWAYS done everything perfect, but we learned a very valuable lesson. Over the past couple of weeks we have been transitioning ALL of our bills to auto-pay. We know that we will be moving again in the next year and this disaster will NEVER happen to us again. 

Please contact me as soon as possible about this and do everything in your power to help us. 

Thank you Enclosed : A. Evidence that the buyer of my home ( my previous residence ) was getting his mail forwarded to my new address. In the meantime, I wasnt getting my mail!

B. Evidence on how I noticed that my credit score was drastically lowered due to one late payment on my XXXX.

C. Evidence on the most recent average credit score for my wife and I ( my wifes credit score did not get affected by this issue, so her score is still outstanding ). 
D. Evidence from the USPS regarding one of the rare and strange occasions where two completely different cities have the same exact zip codes, thus contributing to problems with my mail delivery. 

: This is what I sent to Chrysler Capital again on XX/XX/XXXX : Chrysler Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX Chrysler Credit Bureau Disputes : I am requesting that Chrysler Capital provide me with a goodwill removal of the late payment on all three of the credit bureau reports. I requested a goodwill removal of the late payment a year ago ( shortly after the negative event happened ). I also have called Chrysler Capital and spoken to at least a dozen individuals and personally asked for forgiveness on the late payment. This one and only late payment on my credit report has caused me a great deal of hardship. In XXXX, I couldnt put a car in my name because of my credit score ( which went down over 100 points ). I tried to open a credit account to buy new tires and make much needed repairs to my wifes vehicle, but I was denied. Now, I am trying to buy a home for my family and Im asking for compassion so that I will be able to buy the home of our dreams. We have all suffered a lot over the past 9 months. We are just trying to pick up the pieces and wait for this covid-19 disaster to end. If we dont all work together to get through this, what are we here for? Im desperately asking for help. 

Chrysler Capital has the power to remove this blemish from my reports and Im begging for someone to show me mercy. The experience has taught me a lot and I now pay all bills by direct withdrawal. Please dont write or call back and tell me that you cant or wont remove this late payment. The late payment was reported by you, so a reversal can also be reported by you. 

Now, I am coming to you again after an entire year of living with the negative credit report. It has been a year. Im asking that you reverse the negative report because only you can do this for me. I am extremely sorry that this ever happened. It will never happen again. 

Please contact me as soon as possible and do everything in your power to help me. When you help me, you are helping my entire family and we would all be extremely grateful for such an amazing act of kindness. 

Thank you

Company response to consumer: Closed with explanation