Consumer complaint received 2022-06-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
I am speaking XXXX. On XX/XX/2019 -- My friend asked me as a favor to take his XXXX XXXX XXXX for XXXX to get tires rotated. I agreed to do so. 

I want to emphasize that I DID NOT GO TO XXXX XXXX XXXX XXXX ( henceforth XXXX. ) to go vehicle shopping. I had no thoughts or intentions of 'buying a car ' and then an old high school acquaintance and wrestling teammate who was/is the salesman -- saw me waiting for the service to be completed on the XXXX. 

We all can agree that salespeople are taught techniques and sales tactics. I believe it is language fraud to begin with orally. And then of course to get pen to paper the practice of fraudulent conveyance of language over and on a contract. The syntax of contracts is in error. They did not tell me what language they were using either. 

I am free to exercise my XXXX XXXX. Chapter XXXX XXXX ( r ). 
I am free to be correct and communicate in a language that means what I say and says what I mean. In case you didn't know -- I am speaking XXXX. 

As a consumer I have a right to complain about these matters so that they XXXX be corrected so that I : XXXX XXXX XXXX. am no longer being violated. 

Issues : XXXX. I was not at XXXX. to go car shopping. 
XXXX. Salesman asked me if they could run my credit check. 
XXXX. I didn't think my credit was good enough anyways -- I was curious if it was. 
XXXX. I was in between jobs but did not get the job I anticipated -- I was terminated for my criminal record on the first day. 
XXXX. I went back to work part time making minimum wage in Wisconsin at the time {$7.00} round. Which means on that day I did not think I was making enough money to afford a vehicle. 
XXXX. There was no verification or proof of employment necessary! *** XXXX. The whole time of going through this process was about waiting for the XXXX to be serviced and quash my curiosity. 
XXXX. I was surprised that it came back with a lender i.e., Chrysler Capital. 
XXXX. The salesman had me fill out all of the necessary paperwork, signed, dated, and money transferred. 
XXXX. Then it was time to go pick out and XXXX XXXX a car, right? WRONG! 
XXXX. I was shocked when the salesman said to wait -- and came back with this car. I did not get to pick it out. 
XXXX. I did not get to pick it out OR XXXX XXXX IT? 
XXXX. It was already too late in my mind -- and it stuck with me to this day -- I knew something felt wrong. 
XXXX. The car was having problems immediately. Bad battery? They were willing to acknowledge they sold me a car with a bad battery right way. I think the battery was fine -- but they tried charging me {$120.00} for it. I complained about the price, for XXXX I did not actually have that much money on me. 
XXXX. XXXX charged me less for the battery because I complained that I just got it. 
XXXX. XXXX. thought it was the battery -- because the car kept XXXX on me while I was driving it. 
XXXX. It turns out it was burning oil too quickly. It just needed an oil change. 
XXXX. I found out later the model was 'recalled ' for a XXXX issue -- burning oil again. 
XXXX. Very poor customer service. 
XXXX. I did not have the knowledge of this ( CFPB ) resource until recently -- I tried talking to the XXXX at XXXX. and he was very rude to me. After signing for the car -- everyone changed their demeanor on me. 
XXXX. The XXXX told me that all my issue were with Chrysler Capital. 
XXXX. The 101 % borrowing ration on my credit report prevents me from getting an auto repair loan which I need desperately. 

My complaint is both with XXXX. selling me this car under misrepresentation and the penalty of perjury ( basically it is a lemon )! but it was later that I found out about the 101 % leveraged against me and it hurts. But it is through Chrysler Capital on my report that is 101 % credit ratio. 

I need XXXX XXXX to get to work to make money. I need my car fixed XXXX XXXX to work to make money. I am unable XXXX XXXX to work safely because I am unable to take out a loan to get the car fixed. I am unable to pay for the fixing it needs out of pocket. How can I get to work safely to get this money out of my pocket? 

I thought it was obvious, I would just get a car repair loan. My own XXXX XXXX will not loan me anything because of this 101 %. 

A. I am constantly about 100 days behind XXXX. 
B. As of today ( XXXX ) gas costs me {$70.00} to fill up! 
XXXX I am not currently employed. 
XXXX I am unable to afford car insurance. 
XXXX I am unable to get to work safely or legally. 
XXXX I am unable to make any payments toward the vehicle. 
XXXX XXXX won't be able to make payments soon. 
XXXX XXXX. 

And Chrysler Capital emailed me saying that they could help. So, I called and answered all these questions that took a long time -- only to find out that they could not help and then tried to get me to make a payment ; after just telling them everything I wrote here. 

On the credit report there is mention on a few months about I was negatively effective by a natural disaster called " XXXX '' -- but the truth is ; I still am! I need that to be mentioned on every month that I have a late payment. 

So now XXXX late payment after the next -- looks bad on my XXXX XXXX and is completely sabotaging my score. 

I want them to be held accountable for selling me a car while ignoring all of the red flags I have. 

I was sort of hoodwinked and unwittingly entered into this contact -- out of shock that I could qualify for it. 

The problem with ignoring all of my red flags and allowing me like me to enter these contracts is that according to all the science and studies -- we all should have known this car would have caused me to go broke. 

So I am accusing XXXX. of fraud -- and Chrysler Capital as well. 

I am XXXX poor person -- who has a lot of red flags -- to my defense that what red flags are for. Because of my unique situation I can prove misrepresentation.

Company response to consumer: Closed with explanation