Date Received: 2021-07-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: It's been 7 months and I've yet to receive resolution with Santander Consumer. After speaking to a cus. rep 7months ago regarding being incorrectly reported to the credit bureaus. Based on the recommendation the rep expressing tge amout to pay to avoid late fees and being reported to credit bureaus. My account has been reported late in a discrepancy amount of {$120.00} base on the recommendations of this rep. In speaking with two individuals from Santander Executive Escalations department NOTHING has been resolved. All Escalations has done but make promises to callback after going through the SAME..asking many questions, deflecting the fact that the original rep, mis-spoke regarding payment. However I will not be penalized for the rep 's mistake. I've asked for the call to be pulled, which happend, however more deflection comes from Executive Escalations. This issue has caused me not to be able to refinance. Of which I was very very clear about NOT being reported to Credit Bureaus on the " initial call ''. The first Escalations Rep stated the protocol Santander would have to submit to have this late payment reversed!! .. alluding to it was to much of a hassel on their end to reverse. The second Escalations rep, stated he listed to the call, but when asked if the rep stated the payment would not be reported as late, he began to deflict and ask " which month are you speaking of ''?. ARE YOU SERIOUS THERE'S ONLY ONE!!!!! payment reported incorrectly!! I'm willing to have phone call subpoena if need be, as yhis is on-going with NO RESOLUTION ... This is not the way to conduct business and reporting to " every '' entity to get a resolution is what my intentions would be. Remove this item from my Credit Report.
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
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
Date Received: 2021-07-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS IS A FRAUD LOAN. I NEVER OWN THIS LOAN, YET IT KEPT SHOWING UP ON MY CREDIT REPORT.
Company Response:
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive been trying to contact this company for over a year and no one ever answers
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: # XXXX VIN XXXX I contacted XXXX and Chrysler Capital to honor their warranty on a lemon. also, XXXX refused to honor its COVID Hardish waver repeatedly. They are now charging me for a vehicle I surrendered in XX/XX/XXXX to XXXX XXXX in XXXX, Florida. Tags and insurance were transferred to another vehicle. XXXX, XXXX, XXXX, and all parties did not honor the basic warranty and negated customer safety and wellbeing. XXXX, XXXX, XXXX was reported to the FBI for wiretap fraud, breach of business contract. XXXX representative '' Mr. XXXX '' Was recorded on record the night I was in the hospital " laughing and refusing to assist in an emergency situation resulting in a 70 % XXXX in my XXXX XXXX and 7 months of recovery from playing music. XXXX recently pays actors and studios for animations, commercials, print ads, flyers, and online and radio advertising. Each copy can pay for a one-minute spot at the XXXX XXXX each year. But Yet can't seem to honor basic human safety and compassion protocols because the profit margin is just too good. -when pieces of your new car " fly off '' your vehicle and plastic shards from your poorly engineered XXXX XXXX endanger both me, my family, and my animal. You get reported for Felony Fraud and Willful Endangerment, Price Gouging, Unethical Business Practices, and Failure to abide by Federal Statute on Consumer Protection and Fair Credit under FDIC and Federal Financial guidelines. -Other Issues ( XXXX Denied hardship waver ) a minute ago -Complaint ( XXXX Denied hardship waver ) a few seconds ago -Customer Feedback ( XXXX Denied hardship waver ) a few seconds ago -Billing Questions ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -COVID-19 : Extension Request ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -COVID-19 : Extension Request ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX XXXX : Extension Request ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Customer Feedback ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Customer Feedback ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Natural Disaster : Extension Request ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Complaint ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX -Billing Questions ( XXXX Denied hardship waver ) XX/XX/XXXX XXXX XXXX Also filing in Federal Court for Damages to my XXXX and the XXXX Visit that XXXX was recorded on laughing on the phone while I was broken down on the side of the road, and pulling plastic shards out of the tires. XXXX also reported this vehicle as " stolen in Florida '' which is False! & another count of Felony Fraud. tag and title were legally transferred to another " cheaper used car '' THIS IS XXXX XXXX at its Finest and the warranty and insurance criminals at their worst. SEE XXXX IN COURT. XXXX XXXX was contacted almost two years ago and perjured himself on record concerning this non-compliant and over-due and fraudulent account. Mr. XXXX and Company were reported to the FCC last year. I will be filing a motion of contempt for both him and all under Federal Court Order to Cease and Assist. Under the Consumer Protection Act and Fair Credit Protection Act. Mr. XXXX is now over a year non-compliant and a report was submitted to FCC for a fine of up to {$10000.00} per month infraction of both Federal Statues and FCC Guidelines. Additionally Attorney General from Texas, CO, AZ, and NC contacted on Mr. XXXX and Managers defrauding XXXX customers and price gouging during the pandemic. Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX Chrysler Capital XXXX XXXX XXXX XXXX. XXXX, Co XXXX XXXX Chrysler Capital XXXX XXXX. XXXX XXXX. XXXX, Az XXXX FBI Report Submitted for Felony Fraud and Fraud Waste and Abuse at Chrysler Capital. I will be pressing " criminal charges against Mr. XXXX for perjuring himself on record. Good Day. Time Stamped XX/XX/XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Was charged extremely high interest rate of 24 % in state of california.It is practicing predatory loan charges and internal scores.I bought a vechicle through XXXX price XXXX.put XXXX down .They financed me through Santander consumer.The car was aXXXX in which I purchased in 2020 I have been making payments every month.What started as a XXXX loan is still a XXXX loan.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following account appears on my credit report, without any authorization, it does not belong to me Identity Theft CHRYSLERCAP Account XXXX : XXXX This is not mine.
Company Response:
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
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. 160 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: 109XX
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I have a auto loan I made every payment on since getting the car in XXXX. The dealership did somethings which has me needing a new car without wasting your time. Chrysler pre approved me for a new loan. I shopped around for a vehicle, and put {$23000.00} down. They approved the loan and gave a list of stipulations I complied with. After doing so they keep coming back each week asking me to do more things they didnt ask for at first when approving me. Today they wanted a phone interview even though I never applied for a job. I have had 3 car loans from Chrysler and they have never asked for a phone interview. They are doing This to prevent me from getting a better interest rate and a car that is not defected. I tried purchasing a new vehicle instead of complaining but Chrysler leaves no options. Spoke with XXXX XXXX and did a phone interview at XXXX her employeee id was XXXX she said that the deal would be funded. Then at XXXX they said I didnt do a interview. They lying
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Do Not recognize this Inquiry from this company and have not given permission for this company to have access to my credit Report.
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A