Date Received: 2021-07-21
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Hello, I tried to resolve this issue with Santander, I was told that they would remove this loan off my credit report, I am ( the co-signer ) in XX/XX/2021 which they seem not to remember? Also the amount due is questionable because, I was told 52 payments were made over approximately {$500.00} per month. This was a XXXX loan they are saying over XXXX is due how can that be when they sold the vehicle and never reporting back to what they sold it for so how could we know was really owed on this loan. Also there was a class action law suite on Santander for misleading customers and over charging customer. We were told that they were supposed to correct this and taken off our credit reports. I feel they they should take blame for their wrong actions misleading their customers and make it right. Thank you
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
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 on my credit and it has been well over 30 days and I have not received any investigation results at this time.
Company Response:
State: NJ
Zip: 07003
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: HELLO MY NAME IS XXXX XXXX AND I HAVE A CURRENT LOAN WITH SANTANDER AND THEY HAVE WRONGFULLY REPORTED TO ALL THREE CREDIT BUREAUS THAT I HAVE BEEN LATE 5 TIMES AND THAT IS WRONG I HAVE ALL MY BANK STATEMENTS TO SHOW OTHERWISE. ALSO THE LAST ONE POSTED ON XXXX OF THIS YEAR AND HOW COULD I BE THIRTY DAYS LATE WHEN I MADE PAYMENT ON THE XXXX OF XXXX AND BEFORE XX/XX/XXXX THEY HAD ALREADY POSTED THAT I WAS LATE IN THE MONTH OF XXXX BEFORE XXXX WAS EVEN OVER. MY CREDIT SCORE OBVIOUSLY TOOK ANOTHER HIT FOR A CURRENT LATE PAYMENT AND ALSO SANTANDER WAS SUED AND THE BORROWERS PREVAILED. I WANT MY CREDIT REPORT TO REFLECT MY PAYMENT HISTORY AS PAID AS AGREED WITH NO LATE PAYMENTS BECAUSE I WAS NEVER LATE. I THANK YOU FOR GIVING THIS MATTER YOUR IMMEDIATE ATTENTION AS WELL AS FOLLOWING UP SO THAT THEY CAN MAKE THE NECESSARY CORRECTIONS.
Company Response:
State: CA
Zip: 92557
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: santander consumer usa are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Because of the pandemic, I fell behind on my auto loan, I contacted the lender and ask for a payment deferral. My request was approved and any payments missed would be applied to the end of my loan. On or about XX/XX/2021 I contacted the lender to update my financial status at which time I was informed that my vehicle has been placed for repossession and the loan has been written off. The representative said the only way to cancel the repossession is to pay the past due amount of XXXX. I WAS ABLE TO PAY XXXX In XXXX and I paid the rest of the past due in XX/XX/2021. Because my business was slow to recover I started to fall behind again for the months of XXXX XXXX and XX/XX/2021 for a total of XXXX. When I contacted the lender to make the payment I was informed yet again that my vehicle has been placed for repossession and the past due was over XXXX. I tried to resolve the discrepancy but they would not tell me how they arrived at that amount. When I checked my statement online I was not able to locate the XX/XX/2021 statement, I called the lender and the lady I spoke with was very helpful, she was having problems trying to understand what was going on with my account and had to put me on hold several time 's, finally, she said she can't figure out what is going on that she would have to get a manager involved. She also noticed that billing had my address in Colorado not California
Company Response:
State: CA
Zip: 95961
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This complaint is regarding an attempt to collect a debt that has been paid and discharged by the United States Government. The problem is paying on a debt that by contract law and stated in attached documentary evidence the security interest giving under this contract secures this contract. According to congress Title 15 US Code 1605 explains that the finance charge is the sum of all charges. Which makes the documentary evidence void by law being that it doesnt apply with the laws giving. The charges in the documentary evidence states APR, Amount Finance, Insurance and more all being separate charges. In XX/XX/2015 I entered into a consumer credit transaction, ( Title 15 Chapter 41 1602l ). I presented my social security account number ( Title 15 Chapter 41 1602j open ended consumer credit plan ) that belongs to the Social Security Administration. I connected my XXXX bond ( House Joint Resolution 192 ) of discharged in the United States on the document and claim my rights under Senate document 43, 73rd congress who states all debts under United States consumers are prepaid. Only I paid statements that I was not obligated to pay and are returnable to consumer and natural person congress also states in Title 15. 15 US Code 1692h multiple debts, in dispute of debts all payments given apply to the consumers direction. Santander Consumer USA I am submitting this complaint as a federally protected consumer. Under Title 18 US Code 8 the United States is responsible for all obligations occurred by the consumer. Under 12 US Code 1825a, d, all obligations under my bond are exempt, full faith and Credit of the United States is pledged to pay obligations. Act 1882 Bills of Exchange defines the signer being the giver of the bill.
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I will keep this situation as direct as can be ... XX/XX/XXXX My XXXX XXXX XXXX was stolen from my apartment complex called XXXX XXXX XXXX XXXX. And filed a police report with XXXX Sheriffs Office on the same day. My insurance company, XXXX, did not cover the damages due to them dropping me off the insurance plan due to me using my car for XXXX XXXX XXXX ( i.e. XXXX, XXXX ) XX/XX/XXXX I contacted my Financial company, Santander Consumer USA, to inform them that my car was stolen and they still deem me liable for the payments ( $ XXXX/mth ), claiming that it was in my contract. Yet, they knew the car was stolen and they knew how to track it because they keep a low jack tracker in the vehicle. XX/XX/XXXX The financial company seized my account and implemented a charge off towards my account, despite knowing that the car was stolen, which resulted in me riding in rentals from XX/XX/XXXX to XX/XX/XXXX. XX/XX/XXXX I contact Santander Consumer USA to reach settlement and they tried to finesse with paying the full balance of vehicle, yet while KNOWINGLY having the location to the vehicle. XX/XX/XXXX I called Santander Consumer USA and gave them my police report, which solidified my case that the financial company knew where the car was located due to them have a low jack tracker in the vehicle, same device used when a consumer leases a vehicle from a dealership. XX/XX/XXXX I received a phone call from the XXXX Sheriffs Office around XXXX about the whereabouts to my XXXX XXXX XXXX. And that resulted in me picking up the vehicle from a subdivision located in XXXX XXXX, FL. XX/XX/XXXX, XXXX XXXX, XXXX No communication made between me and Santander Consumer USA about working out a plan to fix this issue of non-payments towards the XXXX XXXX XXXX. XX/XX/XXXX I received a phone call from Santander Consumer USA phone client Ms. XXXX ( Emp # XXXX ) about working out a financial settlement to fix this issue, nothing was mentioned of a repossession at all, yet KNOWING about my circumstances-evidences and documented. XX/XX/XXXX XXXX XXXX XXXX was repossessed unbeknownst to me, and I never gave them the address to my new place, which is located in XXXX, FL ( XXXX XXXX ). XX/XX/XXXX-XX/XX/2021 Been seeking resolutions and settlements from an incompetent financial service that is Santander Consumer USA, and they claim to only have one settlement which is a payoff. And as a result, the best solution for me is to let them take it to auction and pay the difference, which by that time I can just file a lawsuit and have Santander USA pay the difference for me, since they want to show their incompetence, lack of morale, and XXXX poor customer service, as well as business acumen.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: After multiple of disputes no information provided by the company ( Santander Bank ) is matching any of 3 Credit Bureaus .Enclosed is a reply from Santander . Date account opened : Santander XX/XX/XXXX Ex XX/XX/XXXXXXXX XXXX XX/XX/XXXX1 XXXX XXXXXX/XX/XXXX # of Month of terms : Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : Santander {$6100.00} XXXX XXXX XXXX XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. Date of Last Payment : Different Dates and even years!!!! Santander XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. Last time reported : Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX It means Santander have never conducted investigation and have never responded to XXXX and XXXX. Now its even more understandable why all dates and dollars mismatch. What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that Santander Bank refers to!!!!! How do I even know who this account number belongs to??????? Immediately delete this account from my credit report according to
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Santander Consumer USA was paid in full and they agreed to remove this debt from my credit report however it is still listed on there. I NEED THIS REMOVED!
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: i disputed this account because it was a fraud account i never had a car or purchased a car with SANTANDER CONSUMER USA they are sending me letter harnessing with phone calls and sending letter i was in college my purse was stolen i have never has account with this company
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A