Date Received: 2021-07-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was laid off XX/XX/2020 as a result of the COVID shutdowns. I contacted Santander to see if I could get a deferral on my car payments as my bills were running behind. Santander agreed to defer my payments, and I signed all of the required documentation. When payments resumed they began to report all of my payments as delinquent back to the original deferment. I have contacted them multiple times to fix the reporting on my credit, and each time they have assured me that the reporting will be corrected. To this date the reporting has not been corrected and they continue to report my payments as late. I am attaching the documentation to substantiate that I was in an approved deferment program. This is a violation of the CARES Act to inaccurately place derogatory payment history on my credit reports. Furthermore, the company has verbally acknowledged the error and will not follow through with their promise to remove the inaccurate information.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: CHRYSLER CAPITAL IS REPORTING FALSE LATE PAYMENTS. I HAVE BEEN DISPUTING ONLINE AND I HAVE SENT LETTERS FROM XXXX XXXX XXXX. I AM NOT SATISFIED WITH THE RESULTS OF THERE FINDING. I KNOW THAT THE PAYMENTS WERE MADE ON TIME. THE DATES I AM DISPUTING ARE XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XX/XX/2021. I RECEIVE A CALL FROM CHRYLER CAPITAL THE LAST WEEK OF XXXX AND THEY STATED THAT THEY WOULD DO A XXXX DAY THOROUGH INVESTIGATION OF MY LOAN. I RECEIVE A CALL BACK FROM THE COMPANY ON XX/XX/XXXX AND THEY STATED THERE FINDINGS WAS CORRECT AND THEY WOULD NOT BE ABLE TO PROVIDE ME A DOCUMENT OF THERE INVESTIGATIVE WORK. ACCORDING TO FCRA THEY ARE SUPPOSE TO PROVIDE ME A COPY OF WHAT THEY " INVESTIGATED '' CHRYSLER CAPITAL IS PRACTING FRAUD BEHAVIOR.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report it has been over 30 days and I have not received investigation results
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander customer and XXXX XXXX XXXX which is the same debt!! However Santander Consumer was apart of multiple state class action lawsuits were the judge ruled in the consumers favor that Santander consumer had to buy back or cancel the debit of all the subprime loans and pay restitution to the consumers! I was apart that lawsuits I have received my check however the debt is still on my credit report plus they sold the debt to XXXX XXXX XXXX and it on my credit in fact its still in collections in they are trying to collect the debt from me however the judge rule that Santander must buy back the debt in wipe it from my credit that hasnt happened! Total amount XXXX
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Chrysler Capital along with its parent company Santander, utilizes unethical if not illegal practices in the way they misrepresent the handling of unpaid fees and charges. For example whenever I called to inquire about my bill, the representative would always quote the total amount due including unpaid fees and charges. It took a long time for me to figure out that paying the quoted amount did not eliminate the unpaid fees and charges. Once I realized what they were doing, I finally called to complain that the representatives are misleading the customers by making statements as follows : the total amount due including unpaid fees and charges is $ XXXX. They explained that I would need to make a separate payment specifying that it be applied to the unpaid fees and charges. But, the representatives dont explain that technicality when misrepresenting the total amount due. For example, I have attached the XX/XX/XXXX & XX/XX/XXXX statements. ( I couldnt find XX/XX/XXXX statement. ) In XX/XX/XXXX, I made the full payment including unpaid fees and charges. I noticed the unpaid fees and charges carried over into the next month. I called and protested the way the payment was applied. The representative tried to convince me to not payoff the unpaid fees and charges. After speaking to a supervisor, they finally broke the payment up to make sure unpaid fees and charges were paid. I wonder how many times this happened during life of the loan. My loan was originated XXXX of XXXX for {$16000.00}, with the final payment scheduled for XXXX of XXXX, which is this month. However, the current balance on the loan is {$10000.00}. I received a few extensions but not {$10000.00} worth of extensions. On Tuesday XX/XX/XXXX, I spoke to XXXX ID # XXXX and asked for copies of statements from the inception of the loan to the present. I was advised that they can only provide statements for the most recent 12 months. They are able print a history of payments but not the actual statements. I would like for a financial forensic accounting to be done on my loan. If its found that I have been overcharged as a result of this unethical practice, I would like to be compensated for these charges.
Company Response:
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: After my vehicle was repossessed, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA. From XX/XX/XXXX through XX/XX/XXXX, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions. I purchased my vehicle in XX/XX/XXXX, my repossession occurred in XX/XX/XXXX. Santander settled the case in XXXX but they also sold the debt to XXXX XXXX. According to the agreement, my debt is to be forgiven, the account status should be updated to positive and most importantly the account should be removed from my credit profile. Due to what Santander agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.
Company Response:
State: MD
Zip: 21213
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by Santander that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX Santander account. I called XXXX and spoke to a lady that agreed to send me an e-mail that links the original Santander account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for XXXX XXXX XXXX, to send me an e-mail with a report stating that this was for the Santander XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which XXXX was trying to make it look like, and even lied to me saying that this is not linked to the XXXX Santander account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with XXXX XXXX XXXX.
Company Response:
State: TN
Zip: 37303
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XX/XX/21 Enter a credit transaction to obtain a vehicle in accordance with TILA under the CPA. I was not given the full amount of my finance charge but was told I preapproved for some small amount that was less than half of the finance charge itself. Me knowing pursuant of 15 usc 1602, I was extending credit to myself, which means I shouldn't have been denied this Credit Transaction that took place.
Company Response:
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Around XX/XX/2021 Santander received certified tender of payment and a certified promissory note in good faith, also documents conditionally accepting there alleged claim to any debt predicated upon verification of the debt, as defined in Blacks 6th, pursuant to fdcpa, fcra, Santander was requested to cease any and all collection activity until debt is verified Santander is still actively attempting to collect debt by reporting it to credit bureau. I demand any and all collection activity ceases until Santander verified the debt. XXXX
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A