Consumer complaint received 2024-03-16
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MD)

XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX Phone # XXXX To whom it may concern. 
Complain regarding Chrysler Capital. 
On XX/XX/XXXX I bought a vehicle and Chrysler Capital was my lender ( phone # XXXX, XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX ). I paid XXXX dollars monthly with a 12 % interest rate and I never missed a payment even though the Corona virus at that time destroyed us financially. 
In XX/XX/XXXX I decided to switch lender for a better rate and XXXX XXXX  XXXX XXXX gave me a 6 % interest rate way better than Chrysler Capital. Therefore I and XXXX XXXX  XXXX XXXX bank requested a pay off information from Chrysler Capital. The payoff information that they sent was XXXX dollars and a check was issued to Chrysler Capital. 
In XX/XX/XXXX after I paid off the vehicle with XXXX XXXX  XXXX XXXX and I check my credit report and I saw Chrysler Capital on my credit as charge off and one year late payment of XXXX dollars when XXXX XXXX  XXXX XXXX reports on my credit paid in full. I did not understand because I was done with Chrysler Capital since XXXX. 
When I called Chrysler Capital they said XXXX XXXX  XXXX XXXX was short XXXX dollars. I told them that is a lie because they issued you a check with the exact payoff amount information and also Chrysler Capital issued me a check of XXXX dollars for overpaid. How come Chrysler Capital issued me a overpayment check of XXXX dollars and I owed them XXXX dollars. I told them why there was no notice sent to me and XXXXXXXX XXXX XXXX XXXX  regarding the XXXX dollars short. They said that they sent me letter after letter in XXXX which I never received, and XXXX XXXX  XXXX XXXX said that they did not received any notice regarding that XXXX dollars short neither. 
When I called XXXX XXXX  XXXX XXXX and they told me they issued Chrysler Capital the exact amount on the payoff information and they did not know why they report me to credit report which makes no sense to them. 
The only reason Chrysler Capital reports me is because if I want to buy a car in the future I will get denied by every bank and I would have to turn to them for a car loan with a high interest rate, cause I was good in making payment, they want me back to them. This is scam and theft. 
I write you this letter CFPB cause I can not fight those big companies by myself and I trust you that I will not be left alone. This has to be stopped, just sending a special category of people to credit report in order not to move on with their life for no reason. 
Therefore I want this letter to be publish regarding that illegal scammed using by Chrysler Capital in order for the whole world to learn by my experience with Chrysler Capital. Download below is a copy of the paid off payment check from XXXX XXXX  XXXX XXXX to Chrysler Capital. I did not have no business with Chrysler Capital and the reason they send me to credit report is for personal reasons and gain. 
I will appreciate it Guys if you can help me so they know because they are big companies and they are above the laws to do injustice.Thanks and God bless.