Date Received: 2021-07-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account has been paid in full and not in a derogatory status. XXXX has not made an update on this account since XXXX. This account is Reflecting that the last Payment on this account was XXXX which Is XXXX. This account was apart of a multi state settlement and as part of the settlement this account was supposed to be cleared from my credit report.
Company Response:
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Santander reposed my car years ago, sold it at an auction told me how much they sold it for and still told me I have an over {$12000.00} balance. During my time with the vehicle I told them over and over the car was falling apart and my job was cutting back and that the car shouldn't be having any problems that soon anyways. So, eventually they came and got the car it was an overwhelming ordeal to deal with them and I'd rather not do that again. They've messed up my credit from a car I don't have and they took an resold ...
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Vehicle loan with Santander. I sold this vehicle on XX/XX/XXXX and had a total payoff balance given to XXXX XXXX XXXX. Santander reported payment late in XX/XX/XXXX after it was sold. I have disputed and it has not been reflected accurately. I want this reported as current. Thank you.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I voluntarily turned my car over on XX/XX/XXXX after several requests for assistance that were denied. Santander Consumer USA holds the title to the car ( XXXX XXXX XXXX ). I have informed them 3 times via phone that I turned the car in to XXXX XXXX in XXXX, TX. The most recent call was made sometime in XX/XX/XXXX. At that time, the discussion with the company 's representation revealed that their records had not been accurately updated and was inconsistent with the details that I had provided during previous conversations. Santander Consumer USA continues to call me ( it is now XX/XX/XXXX ) and leave messages despite my efforts. I view this as harassment. I had done everything within my power to abide by the contract with Santander, was denied assistance in the form of contract renegotiation, and when I was no longer able to maintain the debt, I relinquished the vehicle and informed the company of the vehicles location at the time I turned the keys over to the dealership. Through some research I found that the company had agreed to a {$550.00} XXXX settlement - " Santander Consumer USA, one of the largest subprime auto lenders, agreed to a {$550.00} XXXX settlement 'with nearly three dozen states to settle charges of predatory auto lending to low-income and subprime borrowers, ' the Wall Street Journal reported. ... 'The settlement includes {$65.00} XXXX of restitution for consumers.May XXXX, XXXX '' Santander knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probability of default, said Illinois attorney general XXXX XXXX , who led the coalition, the Financial Times reported. I hope that this information is helpful to anyone who may presently be dealing with Santander Consumer USA and that more people will be alerted to the company 's indifference to the best interest of their consumers.
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I took out out a loan to finance a XXXX XXXX XXXX through Santander Consumer in XXXX. We made timely payments up until the time in mid XXXX when me and my former partner lost our jobs due to unemployment. Santander did give us a few months of deferment due to Covid. In XXXX of XXXX, the car was totaled. The insurance company paid Santander the value of the car at the time, but there was a remaining balance of approximately {$7000.00}. I called as asked if there was any type of program to modify the loan amount as we were injured and unable to work. It was also still in the midst of Covid. I was told that due to the fact that the car was totaled, there was nothing that Santander would due for us. The outstanding amount remained and they would not put me on any time of lowered payment plan. My ex partner continued to make payments but could not pay the {$430.00} in full so the loan became past due, all while Covid is raging. Now over the past 4 months, the loan is being reported to the credit agencies as having late payments and has hurt my credit score by over 100 points. Again, today, I reached out to Santander and asked why they are reporting me to credit agencies and they denied it. Again, I asked for some type of assistance and was told there was nothing they were able to do. After looking over your web site, I see that creditors are obligated to try and work with consumers to pay their debt. Also, because of Covid, I have learned that late payments should not be reported to credit reporting agencies. Santander has ruined my credit, despite my attempts to try to pay what I owe. I never refused to pay the amount owed, I simply asked for some help to allow me to be able to make an affordable amount. I feel as I am being punished because of an accident. That is not fair and I feel they should work with me. They already have a settlement to its auto loan customers that they treated unlawfully with loans issued in XXXX.
Company Response:
State: CA
Zip: 91411
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2021, a DEBT VALIDATION letter was sent in response to a notice sent to me on XX/XX/2021. Pursuant to 15 USC 1692g, SANTANDER CONSUMER USA claim was disputed and validation has been requested. Specifically addressing all to be true above, therefore ; SANTANDER CONSUMER USA, 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 -- pursuant to 15 USC 1692g ( b ). Furthermore, SANTANDER CONSUMER USA is reporting invalidated information to the major three consumer reporting agencies resulting in a negative mark for the alleged debt.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently submitted a compliant concerning Santander Consumer USA and their predatory transaction processing. The previous complaint has not been resolved and I would like to submit this complaint again. Santander is staying and reporting on our credit report that our account is behind and it is not. I am attaching supporting documentation that shows that on our XXXX Statement, Santander processed 2 payments. One on XX/XX/XXXX and one on XX/XX/XXXX. The XXXX first payment was not authorized. I contacted Santander to request that this payment be returned because I did not authorize it and when they would not authorize it, I contacted my bank and my bank reversed this transaction on XX/XX/XXXX. Santander is stating that this reversal is actually a return of our XX/XX/XXXX payment and this is not true. Our XX/XX/XXXX payment cleared our account and the payment was more than required because we paid extra due to having extra funds because of our stimulus payment. As you can see in the two months prior statements our account is current there is nothing owing on our account but Santander refuses to correct their error. Since our bank has already reversed the XXXX payment that was process in error we do not need the payment returned. We would like account corrected to the amount after our XX/XX/XXXX payment. We have also made a payment on XX/XX/XXXX for XXXX. And our account is still showing past due.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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: ENOUGH is ENOUGH. This collection is not collectible as it is IMPOSSIBLE for a COLLECTION/CHARGEOFF ACCOUNT TO HAVE AN EXISTING PAST DUE. This action will be considered a violation of the FDCPA and FCRA.
Company Response:
State: TX
Zip: 785XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Two complaints have been filed against SANTANDER CONSUMER USA ( # XXXX & # XXXX ). SANTANDER CONSUMER USA have violated my rights as a consumer therefore, a CEASE AND DESIST letters were sent. However, the debt collector SANTANDER CONSUMER USA is threatening to repossess the vehicle associated with the referenced account listed in the prior complaints. By SANTANDER CONSUMER USA using profane language to repossess the property referenced is a violation of my consumer rights -- pursuant to 15 USC 1692d ( 1 ) ( 2 ). As one can see in the attached content, SANTANDER CONSUMER USA has violated my rights as a consumer -- pursuant to 15 USC 1692e ( 2 ) ( A ) ( B ) because a false representation of amount of the debt as well as making an attempt to receive compensation by SANTANDER CONSUMER USA, a debt collector for the collection of {$1700.00} sent to the address ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ). As mentioned before, letters were sent -- pursuant to 15 USC 1692c ( a ) no prior consent of the consumer ( myself, the natural person ) was given directly to the debt collector. Furthermore, SANTANDER CONSUMER USA may not communicate with the consumer in connection with the collection of any debt. Here is where SANTANDER CONSUMER USA violated my right as a federally protected consumer. The letter sent on XX/XX/2021 contained more violations committed by SANTANDER CONSUMER USA. First of all, the symbol of the debt collector is visible on the upper left hand corner of the content attached in this complaint -- pursuant to 15 USC 1692b ( 5 ) my right as a consumer was violated by including a symbol indicating that SANTANDER CONSUMER USA is in the debt collection business. Not to mention that at the very bottom of the content, it reads, " SANTANDER CONSUMER USA IS A DEBT COLLECTOR ... THIS IS AN ATTEMPT TO COLLECT YOUR DEBT AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. Secondly, SANTANDER CONSUMER USA stated that the total amount now due is {$1700.00} which is a violation of my consumer right -- pursuant to 15 USC 1692e ( 2 ) ( A ).
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.
Company Response:
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A