Consumer complaint received 2017-08-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Chrysler Capital. refused new loan based on my XXXX income. When I first bought the XXXX XXXX XXXX the sales person lied, the car was n't certified, it had interior problems, and more I do n't know about. The sales person knew of my XXXX, and that I needed a newer car to reach my DR 150 miles one way every three months. I was rushed, I was thrown into the sale, and out the door. That was XXXX XXXX in XXXX Fl. I have been trying to trade this car for a year, I do n't trust it. In XXXX XXXX I made enough on XXXX to qualify for a loan, nothing has changed, and now You Chrysler Capital tell me I do n't make enough money. I want to trade the XXXX not keep it and have two loans. The will not look at my income because I do n't make enough money. I did for the first loan, can you tell me why? Did XXXX lie about my income? I need to trade this car, I like the car I want to stay with Chrysler Capital, even though they are charging a XXXX person 7.3 in interest fees. People have told me they could n't do that either. I never missed a payment, I would love the newer car, I need it, my illness is permanent it wont kill you, you just wish it would. My income wont change. Chrysler Capital is committed to Fair Lending and treating consumers, customers and vendors with the utmost respect and fairness. Under the Equal Credit Opportunity Act ( ECOA ), Chrysler Capital is prohibited from discriminating in any aspect of the credit transaction. Prohibited bases are : sex, marital status, race, color, religion, national origin, age ( provided the applicant is of legal age ), income derived from public assistance and the fact that the applicant hasin good faithexercised any right under the Consumer Protection Act ( i.e. the right to lodge a complaint ). We recommend you  make and retain a copy of our Privacy Policy or request a copy by calling XXXX. Payments to date. 

Amount ( {$230.00} ) Balance {$11000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$73.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$11000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$71.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$75.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$73.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$77.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$70.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$79.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$79.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$12000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$150.00} ) Interest ( {$78.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$13000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$140.00} ) Interest ( {$81.00} ) Fees -- Misc. Fees -- Amount ( {$230.00} ) Balance {$13000.00} Date Posted XXXX/XXXX/XXXX Effective Date XXXX/XXXX/XXXX Principal ( {$92.00} ) Interest ( {$130.00} ) Fees -- Misc. Fees  --

Company response to consumer: Closed with explanation