Date Received: 2021-07-08
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/2021. 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. 100 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: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Chrysler Capital has not responded to my dispute of a charge off they have placed on my consumer report, For a alleged debt of {$9700.00}. I sent a affidavit for the validation of this alleged debt and after a month no response. So as a Natural Person and the original creditor I am asserting my rights. The unlawful individual actions of CHRYSLER CAPITAL are listed below according to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified thedebt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communicationduring the 30-day period may not overshadow or be inconsistent with the disclosure of theconsumers right to dispute the debt or request the name and address of the original creditor. Because I have been ignored in my lawful disputes I demand monitary relief for the UNLAWFUL individual actions of CHRYSLER CAPITAL. So I am also in pursuant of 15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. I want {$4000.00} in monetary relief for damages from CHRYSLER CAPITAL.
Company Response:
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I currently am being reported 30 days late for the month of XX/XX/2020 by my current auto loan bank Santander Bank. I have and will upload a document that is a payment extension agreement that clearly states that I was being provided a payment extension that began in XX/XX/2020 and covered me until XX/XX/2020 yet I am being reported 30 days late for the month of XX/XX/2020 which is clearly covered by the agreement. The agreement states at the very beginning that I'm covered for the month of XX/XX/2020 yet they are unwilling to abide by this ironclad agreement. Section B of the contract CLEARLY statesI had no contractual obligation to make a payment on the dates listed so I should not incur this blemish. I've tried to resolve this with the bank and they've given me no assistance whatsoever. I reached out to the executive office and they told me that I couldn't escalate this any further. I signed this agreement and was told I'd be protected for those months and they are now not abiding by what they told me even though I've provided them with documentation where it CLEARLY states that from XX/XX/2020 until XX/XX/2020 I would not be responsible for a payment. I've tried for months to have this removed and they clearly have no interest in adhering to the terms of the contract that I signed and by what I was told. This erroneous and unfair reporting has resulted in a massive drop to my credit score and Santander is unwilling to work with me at all. Please assist me in removing this unfair blemish to my credit report by a predatory bank who already had a massive lawsuit last year for their predatory lending practices of which I am yet another victim.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hi Santander CONSUMER USA/XXXX/XXXX/XXXX/CFPB ; It's impossible that this account can ever be marked as investigated as accurate because it continues to report the same incorrect and multiple inaccuracies. See the letters i sent before attached. It's reporting incomplete, inaccurate, misleading, and multiple inaccuracies on my credit report and it's causing this account to illegally re-aged on my credit report. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : JANUARY 3, 2017 2:17-CV-00012 ; Barber v. Santander Consumer USA , Inc . FILED : SEPTEMBER 20, 2017 2:17-CV-01227-CB ; Blakely et al v. Santander Consumer USA , Inc . FILED : JUNE 6, 2018 2:18CV1647 ; Wilson et al. v. Santander Consumer USA , Inc. FILED : JANUARY 13, 2020 4:20-CV-00152-KGB ; ). Therefore, there are so many errors and violations.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am a consumer with Santander Consumer USA Inc and I was trying to pay {$200.00} and they are still requesting the full amount XXXX and I only get unemployment check due to COVID 19 and I tried to speak about the payment plan they refused to take my payment of XXXX dollars
Company Response:
State: MO
Zip: 63125
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Santander consumer refusal to remove loan or take decision responsibility for despite XXXX judgement order with conflicting and false statements with each inquiry or complaint for removal assistance. Please see official statement and documentation send to the XXXX.
Company Response:
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
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/2021. 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. 30 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: PA
Zip: 17112
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and opened many accounts without my permission or authority.
Company Response:
State: CA
Zip: 92024
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-08
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Santander USA is a predatory lender and has been indicted in a class action lawsuit for such practices. I purchased the car in XXXX of 2014 and struggled to keep up with payments a year into it as the car had numerous issues the moment I drove off of the XXXX lot. Struggling to pay the high interest loan, I had the car repossessed and was able to get it out only to fall into desperation again as I was underwater. I truly believe I should be or possibly have been considered in this lawsuit. XXXX XXXX XXXX From what I have found, Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers ' credit reports.
Company Response:
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: To whom it may concern : RE : Santander Consumer USA Predatory Lending PLEASE DELETE IMMEDIATELY Account # XXXX SS # XXXX Santander Consumer USA has recently settled in a 33 State Class Action Lawsuit for Predatory Lending Practices. In the settlement, Santander agreed to relieve all defaulted loans and help repair the credit of individuals affected by their actions going back to XX/XX/XXXX through XX/XX/XXXX. They continue to report this account and derogatory information to all the credit bureaus XXXX, XXXX, XXXX and XXXX. They have continued to report a charge off with amount past due and continue to update this account on my credit. This is a VIOLATION of the Settlement Agreement. I have continually contacted Santander and the bureaus. They have failed to remove the account. I demand that this account file be deleted from all credit bureaus and all collection efforts cease and any and all information regarding this file be sent to all the credit agencies and be removed immediately! I have attached a copy of the FINAL CONSENT JUDGMENT from the State of Michigan for Santander 's 33 State Class Action Settlement for Predatory Lending and from the Michigan Attorney General.
Company Response:
State: MI
Zip: 48326
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A