Consumer complaint received 2020-11-30
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello. I want to start off by saying I am really disappointed with how Chrysler Capital has been treating my wife and I regarding the account on our credit report. It is both very shameful on their end and really disheartening on our end. My goal here is to let you know of the behavior of Chryslers representatives and the way they dont care at all about people and just take advantage of them. This will be long winded, but it is important you know everything from the beginning so you understand my situation. 

Around the summer of XXXX, My XXXX XXXX XXXX I had purchased broke down on me one too many times. It was clear something about the vehicle was defective at that point since I had already taken it to be repaired several times in the past. I contacted XXXX XXXX XXXX and went through the process to have my vehicle deemed a lemon by legal means. I will briefly skip to the end to let you know my vehicle was deemed a lemon legally before I continue with details in chronological order. Now that we are all aware my vehicle was a certified lemon, I will backtrack to after I contacted XXXX XXXX XXXX. 
They gave me instructions on what to do so we could proceed with the case. I followed their every instruction because I could not afford for this new vehicle to be broken down and me get stuck with the loan when it was clearly a defective product. In the end, I kept making payments on this vehicle even though I found out the process to have this vehicle deemed a lemon concluded by XX/XX/XXXX. Chrysler Capital however decided they were going to mark me 30 days late consecutively on the loan starting from XX/XX/XXXX all the way until XXXX of XXXX. How they can mark me late even though the vehicle was deemed a lemon officially by XXXX of XXXX is beyond me. More so because I continued to make payments well after XX/XX/XXXX so there shouldnt have been any late payments. Even more so because I even received a check from XXXX XXXX XXXX in the amount of {$4700.00} in XXXX of XXXX and this was AFTER they took their cut for fees and whatever else they charge. In a letter I received from XXXX  in XXXX they specifically say that if I were to continue to make payments after XX/XX/XXXX, those payments would be reimbursed to me. 
In case you arent following me in this yet let me try to explain it to you from my point of view. My payments to Chrysler were {$670.00} a month. The letter which I will provide you as well as the check I received will show you that I was reimbursed money because no money was owed after XXXX of XXXX. How can I be late on an account that no money was owed as of XXXX and that I CONTINUED TO MAKE PAYMENTS ON! These late payments have been hurting my wife and I and it is preventing us from being qualified for certain types of credit and it is costing us money in higher interest rates for the credit we are able to obtain. It is not right, it is not fair, and it is not legal. But that isnt where this all ends. Besides the fact that Chrysler is wronging my wife and I with these late payments, they are refusing to fix anything and it is nearly impossible to get them to do anything no matter what I try. 
Ive tried disputing the late payments with the credit bureaus, Ive tried calling Chrysler directly on XX/XX/XXXX, Ive tried sending them letters directly on XX/XX/XXXX on top of my disputes to the credit bureaus before hand, and nothing gets any response or any investigation, or any corrections of any kind. In fact, on XX/XX/XXXX, a Chrysler representative named XXXX said the department in charge of credit reporting would get a hold of my wife within 48 hours so they can talk to her about these late payments. They never did. What more am I supposed to do? Should I contact my lawyers again and sue Chrysler for hurting my wife and my credit reports? It is not right I have to suffer the consequences of bad reporting from Chrysler AFTER I had to suffer the consequences of buying a bad product from Chrysler. Please help me in having Chrysler remove this account from my report. Since they arent able to report accurately or even address my concerns then they shouldnt credit report the account at all.

Company response to consumer: Closed with explanation