Consumer complaint received 2016-11-17
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX : Loan Number XXXX VIN Number XXXX Dear XXXX XXXX : I am writing to you in hopes that you will be able to assist me with a timely resolution to the on-going problems I am experiencing with Chrysler Capital and XXXX XXXX. 


I did not receive a statement for XXXX/XXXX/XXXX. It is unclear when the loan was assigned to Chrysler Capital? Please provide me with the date of transfer? Your staff told me that I needed a court order for that information. 
Payment of XXXX/XXXX/XXXX - principal/interest were not applied properly. 
Payment of XXXX/XXXX/XXXX - principal/interest were not applied properly. 
Payment of XXXX/XXXX/XXXX - principal/interest were not applied properly. Payment shows short to correct previous errors. Falsification of reporting to credit agencies. Please correct this immediately. 
Payment of XXXX/XXXX/XXXX - principal/interest were not applied properly. Payment shows short to correct previous errors. Falsification of reporting to credit agencies. Please correct this immediately. 
Payment of XXXX/XXXX/XXXX - payment short to correct previous errors. Falsification of reporting to credit agencies. Please correct this immediately. 
Payment of XXXX/XXXX/XXXX - payment short to correct previous errors in order to justify fees charged. Please correct this immediately. 
Payment of XXXX/XXXX/XXXX - payment short to correct previous errors. Falsification of reporting to credit agencies. Please correct this immediately. 
Payments of XXXX/XXXX/XXXX through XXXX/XXXX/XXXX - need to check principal/interest for proper accounting. Please make necessary corrections immediately. 
Payment of XXXX/XXXX/XXXX - need to check principal/interest for proper accounting. Please make necessary corrections immediately. 
Payment of XXXX/XXXX/XXXX - Principal/interest is not applied correctly in order to justify fees charged. Please make the necessary corrections immediately. 
Payment of XXXX/XXXX/XXXX - need to check principal/interest for proper accounting. Please make the necessary corrections immediately. 








I have been instructed by many of your Chrysler associates to " contact an attorney or get a court order for the information I am requesting ''. ( This by the way is illegal as I am entitled to said requested information ). Per their direction, I have done so. My attorney asked me to make one more attempt to resolve this directly with Chrysler Capital and XXXX XXXX. This letter serves as my final attempt to resolve this with you before taking formal legal action. 


II was told by one of your associates that XXXX XXXX made changes to the contract without my knowledge which again is illegal. When I asked for documentation, I was told that it was in the transcripts ( which again as a co-signer I am legally entitled to ). When I asked for said copy of transcripts in which they were referring to, I was again told that I would need to secure a court order to obtain. 


My attorney questioned " who is actually under contract and its validity ''. The documents that I signed indicate that I am the co-signer. The extended warranty purchased is signed by XXXX XXXX. 


It is unclear to me how I could have been the co-signer and more over the buyer. I am currently unemployed and was not employed at the time the car was purchased I had no money in any bank account ; nothing to support the purchase of a new car. It appears as if the sale of a car outweighed basic loan approval principals that would clearly indicate that I would be unable to pay for said vehicle. 


I have requested previously and am doing so again via this written demand, copies of all documents related to the contract, loan work up sheets, credit report, loan approval, loan assignments, contracts etc. XXXX XXXX states that they did not have all the documents required by law in their files. XXXX

Company response to consumer: Closed with explanation