Consumer complaint received 2022-01-28
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have a lease for a XXXX XXXX XXXX executed XX/XX/XXXX. Upon receiving the XX/XX/XXXX notification of the finalization/fulfillment of my OLD XXXX XXXX reorganization ( from XXXX filing ) Chrysler capital unilaterally canceled my agreement with them, which I don't agree to and didn't authorize! 

Please don't be confused... For the record I DID NOT INITIATE ANY CANCELLATION. RATHER THIS IS A MISTAKE BY CHRYSLER CAPITAL in response to a normal common and routine communication notifying parties from the XXXX filing that the court reopened my XXXX  XXXX case to enter the DISCHARGE now that the terms of my plan were fulfilled. 

I have money in my account to make the payment and have NEVER MISSED ANY PAYMENT WITH CHRYSLER CAPITAL ON ANY LEASE. 

XXXX is the XX/XX/XXXX email from Chrysler Capital which is also attached as a PDF********* Chrysler Capital XXXX XXXX XXXX XXXX XXXX TX XXXX This confirms that on XX/XX/XXXX you XXXX this Autopay electronic bill payment pertaining to the plan described below to Chrysler Capital XXXX 

Autopay Plan ID : XXXX Account Number with Chrysler Capital : XXXX Bank Account or Card # : XXXX Plan Information : Frequency : Monthly Amount Method : Amount Due Payment Amount : Amount Due Convenience Fee : {$0.00} Total : Amount Due Start Date : XX/XX/XXXX Payment Day : Monthly starting on XX/XX/XXXX End Method : Until further notice To add an Autopay plan in the future, please revisit the Chrysler Capital site and select Autopay on the main menu. You may also contact XXXX. 

Retain this information for your records. 

. ************** THIS SITUATION HAS TAKEN ME TIME AWAY FROM WORK TO PLACE MULTIPLE PHONE CALLS AND COMMUNICATIONS AND I WANT COMPENSATED AT MY NORMAL HOURLY RATE OF {$250.00} PER HOUR FOR THEIR MISTAKE. 

TO DATE I HAVE SPOKEN WITH : XXXX employee # XXXX on XX/XX/XXXX XXXX in the executive offices employee # XXXX XXXX employee # XXXX who dropped the call XXXX employee # XXXX who dropped the call and on XX/XX/XXXX XXXX employee # XXXX who dumped me in voicemail. 

I have also left multiple voicemails asking my payment plan be put back in place so I don't get behind. 

I want the monthly payment put back in place IMMEDIATELY and I want compensated at a rate of {$250.00} per hour for 2.5 hours ( to date ) and any out-of-pocket costs in attempting to resolve their mistake. I don't want to have to jump through any hoops to re-establish this since this action is clearly their mistake and this was so much as confirmed by XXXX in the executive offices employee # XXXX that they cancel all payments *upon bankruptcy*, which again this is NOT a new case. 

Finally to make things worse for me, Chrysler Capital has apparently closed my account so I can not even make any manual payments! When I attempt to sign in I receive the following message, which is also attached as a PDF Your account has been XXXX I have screenshotted AND time and date-stamped this message. Other than following the terms of my restructuring I have perfect XXXX credit and have NEVER missed a payment with anyone, not the least of which would be Chrysler Capital XXXX 

What am I to do? I am very worried and just don't know what to do. I want my PERFECT personal credit record kept clean and harmless from their mistake and their inability to correct the problem. I am and always have been ready to make the payment and the money is and has been in my account. Due to ineptitude and apparently poor educated workers Chrysler Capital has defaulted on our agreement.

Company response to consumer: Closed with explanation