Date Received: 2021-07-01
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. 250 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: 11385
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: 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: 07753
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I leased a new XXXX XXXX with Chrysler Capital on or about XX/XX/XXXX. I enrolled in autopay on or about XX/XX/XXXX. My lease term was to XX/XX/XXXX. After turning in my vehicle at lease end, I checked my CC account online at www.Chryslercapital.com to see if there were any charges related to my lease end - such as wear and tear, damages, etc. this was XX/XX/XXXX I believe. The website indicated that a payment was past due. I immediately called CC customer service at XXXX as I was sure it was a mistake. I was told by the rep that no payment was made in XX/XX/XXXX representing the final payment. I indicated I was enrolled in auto pay so the payment shouldve been taken out. She said CC does not deduct final lease payment automatically. This was news to me. Its not in the auto pay agreement and I did not receive correspondence alerting me to this. I even spoke with a lease-end specialist who reached out to me XX/XX/XXXX - she did not mention this. So I paid the full balance immediately. I asked the rep would the late payment be reporting on my credit as she indicated it was 34 days past due. This was very important to me as I would be in the market for a home soon and I worked very hard to get my credit to a good score where I would not only qualify, but also position myself to get the best rates. She said she could not be sure whether or not it would be reported. No late payments reported on credit XXXX - XX/XX/XXXX. In the meantime, I received a refund from CC for overpayment. XX/XX/XXXX I began the mortgage application process. First step was to get quotes from different lenders and brokers. I do actively monitor my credit, but obviously I dont have access to what exactly the tri-merge would show. XXXX XXXX XXXXXXXXXXXX was one of the lenders. I received a Loan Estimate and I considered the terms great and put XXXX near the top. The loan officer informed me that CC was still showing as an open account meaning the monthly payment was being included in my DTI. This along with other errors on my credit factored in to her review of the file. I told her this was incorrect and sent her documentation but she basically told me whats on credit when they pull it is final and that was that. I disputed this with all credit bureaus. This incorrect information impacted my scores and loan products I was able to qualify for. I spoke with other lenders who were more understanding and I closed on my home XXXX. Later that same month I get updated on the dispute. CC reported the account as closed/full term. However they also reported the payment that they didnt deduct! This was pretty infuriating as the only reason I disputed the trade line was because they didnt accurately report it as closed in the first place. I didnt really know what to do. I felt it was completely unfair. But I told myself that technically it was late and there was nothing that could be done. From then until XX/XX/XXXX the trade line stood. I inquired about credit limit increases with my credit card companies and none were approved. Before, either they increased them automatically or I was approved consistently when I inquired. I was fed up as my credit scores were not moving back up quickly. I also wanted to apply for higher tier cards, but knew my scores were not high enough. So I called CC again for help. I believe this was XX/XX/XXXX. The rep was very nice, but told me that there was no one to discuss this with and that I would need to dispute with bureaus again. I felt defeated once more. I finally disputed with XXXX on XXXX and that same day the dispute was closed with no changes. I submitted to them my bank statements from XX/XX/XXXX - XX/XX/XXXX showing I had more than enough funds to pay and the transaction history showing all other payments made on time. But this is completely unacceptable. I enrolled in auto pay so my payments would be deducted when due. To this day CC website literally says When you sign up for Auto Pay you never have to worry about late or missing payments. I also sent this statement in a screenshot as it appeared on the website with my most recent dispute. I relied on this as being accurate and it has cost me irreparable harm. I worked so hard to repair my credit and it has been tarnished because of a technicality. I did not receive a call or voicemail letting me know the final payment would not be deducted. I do not have my auto pay agreement, but the one on CC website as of XXXX says nothing about last payment needing to be paid manually. I do not understand this practice of theirs. The first time I called in XX/XX/XXXX, the rep told me they did this because they wanted to avoid taking multiple payments accidentally? I would rather them take more payments than the alternative that has happened to me! This practice is unethical as the only benefit lies with CC as they can and did collect a late fee. In no way does the consumer benefit. At best they would come out neutral as the payment is due whether made automatically or manually. I was given no sufficient notice. CC to this day represents auto pay as a set it and forget it payment option. This should not be allowed to continue to harm consumers. Please help.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got these accounts that are not mine and i want them to be remove from the credit reporting agencies. XXXX. Identity Theft SANTANDER Account Number : XXXX This is not mine. XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I had discussed with the salesman at XXXX XXXX dealership in XXXX XXXX, NC to have my payments lowered in 6 months from the date of purchase of the vehicle. Each time a 6 month time period came I contacted the salesman, XXXX XXXX, and was given a different reason to call back in another 6 months. The finance XXXX, XXXX 's father had XXXX, they were busy, I hadn't paid enough, come back in another 6 months were some of the answers I got. Finally after about a year my credit had suffered. Then of course the answer to have my payments reduced was that my score was too low. In the beginning, I had also contacted Santander finance company about lowering my payments. I got different answers from different reps. One rep said take the truck back and get something you can afford. One rep said the loan was with the dealership and not actually with them at Santander. I was so confused and frustrated. When COVID hit I asked for help with payments because I saw online Santander was one of the companies providing assistance during COVID. I called and told Sandtander I even had XXXX XXXX XXXX during COVID and had some interruption in work due to the XXXX and decrease in work hours and pay for a while. Santander let me skip one vehicle payment but never decreased my payments. I think I was able to change my due date once in the 2 years I have been making payments. I have now paid down the very high interest I was charged and should be paying off the principal now. Santander should lower my payments. I feel as though I have been the victim of predatory lending.
Company Response:
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: A loan modification was done on my Santander USA account to close out the account, maturity. I did not realize that the late fees that were added on the account from prior years were not included in the modification. When I thought I was making my last payment, there was approx. {$800.00} left on the loan from fees. By the time I realized this, my account was now 30 days late. I paid the {$800.00} in full within that month to close the account, and then it showed the next month I was 60 days late. We are closing on a home and I have worked hard for 2 years to get all of my accounts in good standing. This was one of the accounts, I have made a year and a half on time payments. I would not have let this account be late because this would be very detrimental to my situation. I have contacted them and filed dispute after dispute with credit bureaus, but there is still the 2 late payments on my credit report for XXXX, XXXX and possibly XXXX of 2021. They need to be removed.. We are closing on a home in XXXX.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This account was opened for someone else, not for me.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Inaccurate late payments are reporting to my credit report. Please remove from my credit report.
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently checked my credit report and noticed the initial loan amount being reported on my car loan was significantly less ( XXXX ) than the amount I actually have paid for my vehicle. I began to think that the car dealership or Chrysler Capitol might have overcharged me or committed some type of fraudulence in charging/reporting the price of the vehicle and what I have paid on the vehicle. Also, I recently discovered the XXXX XXXXXXXX XXXX sold to me had been used as a rental vehicle. I was never told this information, and I was lied to about the vehicle.
Company Response:
State: VA
Zip: 22033
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A