Date Received: 2021-09-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am a victim of Identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Company Response:
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with XXXX XXXX XXXX XXXX over a debt Ive deny obligations of. XXXX XXXX XXXX XXXX purchased my information from Santander Consumer USA since then XXXX XXXX XXXX XXXX took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years XXXX XXXX XXXX has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from XXXX XXXX XXXX Stop immediately. XXXX XXXX XXXX XXXX have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/2021, I called Santander Consumer XXXX to request a payment extension for my car loan that was due that day. After experiencing lack of employment and delays with XXXX XXXX I knew I would be unable to make the payment. The representative that I spoke with XXXX, in the Executive office attempted to connect me with a member of the payment extension team. Unable to do so, she advised me to call in on Wednesday XX/XX/2021 to speak with a representative. At XXXX EST on Wednesday XX/XX/2021, I called back into Santander to speak with them once again about a deferment. The representative XXXX ( ID # XXXX ) spent approximately fifteen minutes asking why I was requesting a deferment, and then proceeded to state that they can not offer a deferment at this time. Upon requesting to speak with XXXX manager I was connected to Ms. XXXX. Ms. XXXX had me on hold for an hour, only to come back and tell me that she needs to speak with someone from the management office, and they are all in meetings. She requested that I call back in an hour. At XXXX I called back as instructed, only to be told that they haven't reviewed anything yet and they will call me in 1-3 days. I believe the delay in my request was done intentionally on Santander 's end so the account would hit the 30 day late mark, which could then be reported to the credit bureau.
Company Response:
State: PA
Zip: 15216
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my report from these companies that I do not recognize or have open or closed accounts with
Company Response:
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with SANTANDER CONSUMER USA. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. I tried contacting 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments, repossession, and charge-off were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Paid a down payment, traded in a used suv. Wasnt offered insurance an the definition an purpose of finance charge. My car was crashed while parked an the drivers insurance refuse to pay for damages
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX XXXX did a consumer credit transaction with Santander Consumer USA. There was a down payment charge in this consumer credit transaction which is a violation of the TRUTH IN LENDING ACT. Violated Title 15 U.S. Code 1605 Violated Title 15 U.S. Code 1662 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 The finance charge was NOT the sum of all the charges. Which is a violation of the Truth In Lending Act. Violated Title 15 U.S. Code 1605 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 Santander Consumer USA never gave me notice of right to rescind or the applicable forms to do so. Which is a violation of the Truth In Lending Act. Violated Title 15 U.S. Code 1635 Civilly liable Title 15 U.S. Code 1640 Criminally liable Title 15 U.S. Code 1611 The retail installment contract the dealership provided on Santander Consumer USA behalf is a consumer credit contract which is an instrument. 16 Cfr 433.1d Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. The consumer credit contract fits the components of a promissory note. Santander Consumer USA is a Financial Institution that is part of the FDIC. Promissory notes are considered legal tender and can be deposited for credit. Title 12 U.S. Code 1813L The term deposit means ( 1 ) the unpaid balance of money or its equivalent received or held by a bank or savings association in the usual course of business and for which it has given or is obligated to give credit, either conditionally or unconditionally, to a commercial, checking, savings, time, or thrift account, or which is evidenced by its certificate of deposit, thrift certificate, investment certificate, certificate of indebtedness, or other similar name, or a check or draft drawn against a deposit account and certified by the bank or savings association, or a letter of credit or a travelers check on which the bank or savings association is primarily liable : Provided, That, without limiting the generality of the term money or its equivalent, any such account or instrument must be regarded as evidencing the receipt of the equivalent of money when credited or issued in exchange for checks or drafts or for a promissory note upon which the person obtaining any such credit or instrument is primarily or secondarily liable, or for a charge against a deposit account, or in settlement of checks, drafts, or other instruments forwarded to such bank or savings association for collection. Santander Consumer USA received my consumer credit contract/instrument and deposited it as an asset. You, SANTANDER CONSUMER USA and its representatives/agents are Civilly & Criminally Liable for your transgression against me, a Consumer & Natural Person , under Title 15 U.S.C 1611 & Title 15 U.S.C 1640a ( 2 ) ( A ) ( i ).
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I traded in my XX/XX/XXXX XXXX XXXX XXXX to a dealership back in mid XXXX. My lease was paid in full by the dealer first week of XXXX. I did not stop my auto payment nor go to the originating dealer to cancel my extended warranties. That being said my loan was overpaid by roughly {$4500.00} confirmed by representatives at Chrysler Capital in early XXXX It was explained to that the money would be refunded to me via check in 45 days not to exceed 60. At the time I believed that to be excessive but I was patient because what other choice do you have? I have now spoke with Chrysler Capital a total of five times totaling several hours. I have been promised the checks would be mailed twice, overnighted via XXXX once while being included on email correspondence for confirmation, and today a call back from the executive customer service office. Everyone is pleasant and makes promises that get me off of the phone feeling satisfied that the problem has been resolved but not a single person has followed through. It is unacceptable to hold money owed to a consumer for over 100 days.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete the items as soon as possible.
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: from XX/XX/2020 to present time the financial company try helping me while unemployed due to the global pandemic.
Company Response:
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A