Date Received: 2021-07-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This is a formal complaint against Santander located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: One day I checked my credit report and I noticed that someone I didn't authorize ran my credit for vehicle I never tried to get. I sent in written disputes but still I have no results. Can someone please give me assistance with getting these inquires removed.
Company Response:
State: MI
Zip: 48223
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: One day I checked my credit report and I noticed that someone I didn't authorize ran my credit for vehicle I never tried to get. I sent in written disputes but still I have no results. Can someone please give me assistance with getting these inquires removed.
Company Response:
State: MI
Zip: 48223
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX I Was in a vehicle accident ( that was not my fault ) that totaled my truck. I had been paying this loan on time, with no issues. My insurance company sent Santander a check and the account was shown as paid off as of XX/XX/XXXX. We then got notification 2 months later that our insurance company had sent them the wrong amount and roughly XXXX was still our responsibility, so it went back as active and showed up as late payments. We at this point had another loan and were making payments on both, we made payments every single month no matter what, but they continued to accrue interest, on a loan that was paid off and then reinstated due to an error. I talked to Santander on multiple occasions to please take off the late payments as I was making the payments. They were not willing to work with me. I need this taken off my credit.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following company has a hard inquiry on my XXXX XXXX and XXXX Credit Reports but was unauthorized. I have no knowledge of the inquiry that reported on XX/XX/2020. The company has been contacted but has not resolved the issue. Below is the company details : Santander Consumer USA XXXX XXXX XXXX XXXX, TX XXXX
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Chrysler Capital added a derogatory mark on my credit report ( XXXX & XXXX ) Upon further research, the debtor could not provide me with NO ORIGINAL SIGNATURES nor contract. Debtor did not verify this collection. There hasnt been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and in fact anyone can send a bill and say its mines. According to the FCRA, Chrysler Capital has violated my rights for YEARS as a consumer and I am requesting legal action to remove this account IMMEDIATELY.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: not my ADDRESS and accounts, names FCRA violations XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual SANTANDER CONSUMER USA Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX {$2500.00} Closed 15 potentially negative months Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$2500.00} {$2000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$790.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 60 90 120 120 CO CO - - - - - - XXXX 30 30 60 90 120 120 30 XXXX 30 30 XXXX XXXX XXXX XXXX - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX {$510.00} Closed 19 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$510.00} {$500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$170.00} Highest balance $ XX/XX/XXXXMonthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO CO - - - - - XXXX 30 60 90 120 120 CO CO CO CO CO - CO XXXX - 30 XXXX XXXX XXXX XXXX XXXX - - - - - - - On Time CO Charge off 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account closed at credit grantors request Your statements - Contact XXXX XXXX XXXX XXXX XXXX, SD XXXX By Mail Only Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX XXXX {$6100.00} Closed 47 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$6100.00} {$5600.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$6100.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO - - - - - - XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO - CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX 30 30 60 90 - - CO CO XXXX - - - On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX XXXX XXXX {$7000.00} Closed 49 potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card Balance on XX/XX/XXXX Credit Limit {$7000.00} {$6500.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$7000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CO CO CO CO CO CO - - - - - - XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX CO CO CO CO CO CO CO CO CO CO - CO XXXX CO CO CO CO CO CO CO CO CO CO CO CO XXXX 30 60 30 60 90 - - CO CO CO XXXX - On Time CO Charge off 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX, MO XXXX By Mail Only Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account XXXX-XXXX XXXX {$610.00} Closed 6 potentially negative months
Company Response:
State: TX
Zip: 77076
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Company reporting 30 day late payment on credit report when payment is up to date and on time.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander consumer USA showing incorrect account that they have written off
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A