Consumer complaint received 2021-03-28
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This complaint relates directly to the previously filed complaint # XXXX in relation to Chrysler Capital ACC # XXXX. This is a repeat offence that was perpetrated upon me and should be carefully investigated and addressed. Chrysler Capital is trying to extort from me funds in excess of {$56000.00} for a loan that was closed even by Chrysler Capital admission. Below I will refer to myself, XXXX XXXX as third person, such as he, plaintiff, XXXX XXXX. I have prepared the below myself without any help, so please forgive my grammar. 
Brief Chronology : - XX/XX/XXXX Plaintiff XXXX XXXX on XXXX XXXX XXXX XXXX XXXX ( who acquired the vehicle ) purchased vehicle at XXXX XXXX XXXX financed by Chrysler Capital. 
- XX/XX/XXXX Said plaintiff refinances said loan # XXXX through XXXX XXXX XXXX loan # XXXX, who sends check # XXXX in the amount of {$56000.00} to pay off Chrysler Capital loan referenced. 
- XX/XX/XXXX Chrysler Capital deposits the check, but does not credit it to the correct account. 
- Plaintiff calling multiple times and getting ignored, Chrysler Capital says the endorsement is irregular, they never got the check, the check was lost or stolen etc. 
- XX/XX/XXXX plaintiff provides copy of cleared check, Chrysler Capital continue to insist they never deposited the funds. 
- XX/XX/XXXX plaintiff files a complaint with CFPB with copy of the cleared check attached, simultaneously trying to resolve matter with Chrysler Capital. At some point Chrysler Capital received the complaint from CFPB and advised plaintiff XXXX XXXX to re-issue the check and make a stop payment on the previously issued check. XXXX from Executive Office was the one to advise a stop payment on the check. 
- XXXX XXXX XXXX XXXX makes an effort to retrieve the funds from check # XXXX that Chrysler Capital claims they never got and are successful at it. 
- XX/XX/XXXX as advised by Chrysler Capital employee ( or affiliate or subcontractor or processor answering the phone on behalf of Chrysler Capital, exact relationship not known to plaintiff ) XXXX XXXX XXXX reissues another check # XXXX for the same amount of {$56000.00} and overnights it to Chrysler Capital. 
- XX/XX/XXXX Chrysler Capital confirms receipt of the check and applies it to the loan balance, as well as issues a written reply to the CFPB complaint # XXXX, in which it states mistakes were made, but now it's all good. 
XXXX XXXX XXXX received a letter ( attached below ) stating that Chrysler Capital released the lien from the vehicle title and that the lien has been satisfied in full. 
- XX/XX/XXXX ( on or about ) XXXX XXXX receives a disbursement check from Chrysler Capital stating that the loan is closed, account is reconciled and all is good. 
Shortly after check is posted, since the complaint was worked out plaintiff in good faith closes the complaint thanking Chrysler Capital for resolving the matter. 

IMPORTANT : Sometime in XX/XX/XXXX ( exact day unknown ) Chrysler Capital finds the check that was presumed irregularly endorsed issued on XX/XX/XXXX for the amount of {$56000.00} and number # XXXX, same check that a representative of the company advised to have a stop pay placed and tries to deposit it, thus committing fraud ( using financial instruments declared void ), knowingly or unknowingly. Obviously the check had a stop pay and Chrysler Capital was unable to commit check fraud, thus they went back and re-opened a closed and reconciled loan that they confirmed was closed and reconciled, applied fees and interest and went after their former customer XXXX XXXX with a regular statement first falsely claiming past due amount on the loan, and then with 2 attached documents falsely without any proof claiming that the loan is in default, because the check that they fraudulently tried to cash ( knowingly or unknowingly ) had insufficient funds. 

Chrysler Capital is allegedly involved in trying to extort and defraud XXXX XXXX for a loan that was completely paid off and confirmed paid off in a written statement to CFPB ( attached ). As soon as Chrysler Capital will repossess the vehicle for which the lienholder is XXXX XXXX XXXX they might be guilty of Grand Theft Auto in addition to all the financial fraud they are trying to commit, besides trying to extort XXXX XXXX for a loan that was closed. 
On top of that, XXXX XXXX is a professional that holds Florida State licenses that require good credit rating in order to be valid. He is also trying to acquire additional licenses that will be denied, should his credit rating decline, which means an end of his professional career and gainful employment. Not to mention the stress, duress and harassment endured because the lender committed a mistake. XXXX XXXX XXXX physicals health is in decline, his mental state is very much affected by such symptoms as XXXX, XXXX, XXXX  and XXXX due to the damage inflicted by Chrysler Capital that can be confirmed by multiple witnesses that know him closely.

Company response to consumer: Closed with non-monetary relief