Consumer complaint received 2017-07-26
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a formal complaint that Chrysler Capital is reporting inaccurate information on my credit report which is detrimental to my score. I had a car that was financed through Chrysler Capital inXX/XX/XXXX. In XX/XX/XXXX, the car was stolen and found completely burned by the police. I filed a claim with my insurance and gap insurance company in order to resolve my outstanding debt with Chrysler Capital and which the car was declared as totaled. Even though both, my gap and car insurances submitted the claim information and sent payments, Chrysler Capital was still negatively reporting the account being late even after being granted approval for an extension on my behalf. Nevertheless, I called them numerous times to resolve this matter and to get to correct the inaccurate reporting of late payments and given balances on this account. The customer service representatives were rude, many failed attempts to forward calls but will purposely disconnect/end the call before connecting to their supervisors. Ive requested on many occasions for supervisors to call back regarding this account but never materialized.
Ive requested Chrysler Capital to mail me a debt validation letter providing proof of debt ( current balance due ) and confirmation of late payments over the phone through customer service. However, Chrysler Capital did not follow any of my consumer rights of validation and could only verbally repeat this statement that the information is accurate. This account is now displaying as a Closed-Charge Off status, with a Consumer Statement Profit and Loss write-off. They are currently reporting this account as being delinquent to all 3 of the Credit Bureaus as late payments which in inaccurate. Here are some of the most recent dates which theyve reported this inaccurate information to the CRAs as late payments and misstating the balance due : XX/XX/XXXX ( delinquent amount- $ XXXX-late 30 days-XXXX  reporting but XXXX reporting is different for the same month-XX/XX/XXXX ( delinquent amount- $ XXXX-late 60 days, XX/XX/XXXX ( delinquent amount - $ XXXX- late 60 days ), XX/XX/XXXX ( delinquent amount - $ XXXX-late 90 days ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( balance- $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), XX/XX/XXXX ( delinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), and XX/XX/XXXXdelinquent amount - $ XXXX- collection/charge-off-profit and loss write off ), which is in violation of the Fair Credit Reporting Act ( FCRA ). There many other inaccuracies regarding this account which are being reflected on my credit report such as Date Opened-different dates-XXXXXX/XX/XXXX and XXXX & XXXX-XX/XX/XXXX, Date of Last Payment-different dates-XXXX-XX/XX/XXXX, XXXX-XX/XX/XXXX, and XXXX-XX/XX/XXXX- Last Date Active-XXXX-XX/XX/XXXX and XXXX & XXXX- XX/XX/XXXX -- - proof of reported inaccuracies. Per XXXX Credit Report, XX/XX/XXXX- OK reporting with a balance of {$4100.00} but in XX/XX/XXXX-30 day late mark with balance of {$3700.00} with a paid amount of {$410.00} displaying a {$230.00} past due balance and the scheduled payment account is {$110.00}. The {$3700.00} balance remains the same from XX/XX/XXXX to XX/XX/XXXXwhich now displays {$2600.00} ( decrease ). However, amount paid is still displaying as {$0.00} with a C/O status. I ask that this account be PERMANENTLY REMOVED from my credit report as they have violated so many FCRA requirements of my credit report. I also would like an UPDATED credit report reflecting that this account has been removed.

Company response to consumer: Closed with explanation