Consumer complaint received 2016-03-02
Company: Santander Consumer USA Holdings Inc.
State: IN
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XXXX/XXXX/XXXX I entered a Lease agreement with Chrysler Capital on a XXXX XXXX XXXX. I leased this vehicle from XXXX XXXX XXXX XXXX XXXX XXXX. After I signed the lease I was asked to come back three more times to sign XXXX more leases. Each time I was told that there was an error and it was not the proper lease agreement. The payment and term stayed the same but some numbers changed. I was told to make my first payment to XXXX XXXX and this payment was included in the money that I put down on the XXXX. In late XXXX I was asked to make the second payment XXXX XXXX XXXX at XXXX XXXX because my paperwork had still not been sorted out. I made the payment and they cashed the check. I then got a call from Chrysler Capital telling me that I was two months behind on my payment. I was very frustrated at that time. I told the representative from Chrysler that I was considering having an attorney look at paperwork because so many mistakes had been made. He asked me if I had an attorney, I said I had a divorce attorney. My divorce had been final only weeks before this. He asked his name of my divorce attorney and I told him. Unknown to me this put me on a list where I was n't to be contacted in ANY way for ANY reason. I had no idea. I was set on autopay and the last payment was taken out XXXX XXXX. The payment comes out of an investment account I do not keep a close eye on. In XXXX my car was repoed. I had no notice. Not a call, letter email-nothing. I was stunned but looked back at the account and realized payments were not being taken out. Chrysler said that they were not allowed to contact me because I threatened them with an attorney. I did not. I simply said I may have an attorney look over paperwork. I said this because I was concerned about fraud. I signed XXXX lease agreements and made XXXX payments that were never applied to my account even though the checks I wrote had been cashed. Also, Chrysler said that phone call in XXXX of XXXX was the last communication that was allowed and they absolutely were not allowed to make ANY further contact which is why I received No late notice or phone call. They say it would have been against company policy to contact me in any way. However, on XXXX XXXX I was sent a letter from Chrysler in regards to my insurance. I switched companies and they were worried it was canceled. I also received a call from Chrysler and I assured them I had only switched insurance companies and gave them all updated information and made sure my insurance company had Chrysler to be paid off in the event of an accident. Chrysler notified me when they were concerned with their own financial investment in the XXXX. They did not contact me when my own financial interest in the XXXX would be effected. They did not mind breaking what they say is " company policy '' when they had something to loose but gave no thought to my interest. This has ruined my credit and caused financial and emotional hardship. I have supporting documents but scanner is broken. I have at least XXXX lease agreements and I believe I have all XXXX. I have late payment statement from Chrysler. I have canceled checks proving I made the first XXXX payments and they cleared. I have letter from Chrysler Capital proving they contacted me regarding insurance. I have other supporting document

Company response to consumer: Closed with explanation