Date Received: 2021-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts are appearing on my credit report, without any authorization, they do not belong to me, it is hurting me Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 10. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 11. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 12. Identity Theft SANTANDER Account Number : XXXX This is not mine. 13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 15. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 16. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 17. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 18. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. 19. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 20. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 21. Identity Theft DEPTEDXXXX Account Number : XXXX This is not mine. Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. Identity Theft XXXX CARD Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 08721
Submitted Via: Web
Date Sent: 2021-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This item has been on my report since 2011. They have inaccuracy of my balance along with late payments that should have removed based of the 7 years criteria. I have disputed this item on several occasions and no results.
Company Response:
State: PA
Zip: 15206
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: 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: I asked Santander to validate this fraudulent loan. They responded with my name, address, and contract that I am disputing as well. I have attached the response here. Per 15 USC 1692g ( 3 ) ( 4 ) ( 5 ) Santander has not supplied. Furthermore, I disputed this account with an affidavit. Santander 's response was not an affidavit. Allegations in affidavit in support of motion must be considered as true in absence of counter-affidavit. See Croup v Finletter, 108 F. Santander has violated numerous 15 USC 1692 codes. They go by multiple names which is misleading.15 USC 1692e ( 2 ) ( A ) Also, all debts in contract are shown in the positive, which is very confusing. I have learned that the security interest that they speak of has already been paid for by me the consumer as the original creditor 15 USC 1601. They have violated 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mail. All of their mail has a logo on it, outside of the name and mailing address. 15 USC 1692h no payments made to the debt collector may be applied to any debt which is disputed by the consumer, and shall apply such payment in accordance with the consumer 's direction. I have asked Santander to pay me by check for the multiple violations, and payments made that I have disputed. Furthermore, they have violated 15 USC 1692j by furnishing their name on all documents as the original creditor. Including on my credit reports. The affidavit of Truth was unrefuted so it stands as truth. Please remove this account from all credit bureaus and pay the invoice attached.
Company Response:
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander Auto is continuing to report a repossession from 2019 on my credit report that shouldve been included in the class action lawsuit. I am a resident of Georgia and my state was included in the class action lawsuit. This Tradeline they are continuing to report is illegal and I would like for it to be removed.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On two different occasions I sent letters to XXXX about my inquiries. I have not received a response from XXXX. I have a copy of the certified letter card. I am a federal protected consumer and I know my rights. 15 usc 1681 m..
Company Response:
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I reported to the XXXX about the dealership ( XXXX XXXX XXXX , Fl . ) early in my term with the vehicle for shady tactics because I told them I didn't want the car nor did I think i could afford XXXX a month. The Financial Manager continued to show me his gold jewelry and assured me building my credit for nice things was the right move. and to " bite the bullet '' for about 3 months and make the payments and I could trade it in for something i really wanted. When I returned 3 months later I was told that manager was just filling in for that day and they had no clue what I was talking about. So that is when I reported them to the better business bureau for unethical tactics. Long story short I got nowhere with that and continued to pay the car bill for 20 months until I had it voluntarily repossessed because of the burden. I would call them every month to let them know of any address changes or places of employment so that they could recover the vehicle. Fast forward a year and a half and someone finally shows up at my door for the car. Months later I saw the XXXX XXXX dollar debt on my credit report, for a XXXX XXXX dollar car that I had paid on for almost 2 years. Never received any notice of auction sale, nothing. I need this off my credit report. Its been almost a decade and it is still haunting me.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 2018 opened my auto lease account with Chysler capital, 6 months later I totaled it. I had full coverage insurance for the vehicle under my fathers policy with me as the driver. The insurance company did not pay per the {$1000.00} deductible agreement. The auto loan was for around $ XXXX. They paid about {$9500.00}, leaving over {$6000.00} remaining owed on the loan. Chysler Capital did not properly investigate and instead tried to charge me the remainder. After refusing to pay since I had full coverage insurance, which they have proof of, they wrote off the loan as a loss. I was falsely charged with a debt that should have been paid by insurance. The insurance company refused to speak to me after I reported the wreck. They only spoke with my father since it was listed under his policy. Im unaware of the communications my father and the insurance company had.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2021-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: To Whom It May Concern : Per XXXX news ... If you were a victim of Santander, Atty General XXXX XXXX encourages you to reach out to his office, as even if you don't get part of the settlement money, they do have ways to help clean up your credit, XXXX XXXX at Atty General Said Nothing to be done ...??? XXXX Million dollar lawsuit settlement with Santander USA, my name was not on the list with XXXX XXXX, NC Atty Gen said it is based on my Credit Score on that Day, I had filed a Ch. XXXX Bankruptcy, my home was foreclosed ( XXXX XXXX XXXX, You have my complaint on them too ) not given a Loan Modification, either ) ... car was bought from the infamous XXXX, XXXX, NC in XXXX of XXXX. ( LOANS FROM XX/XX/XXXX through XX/XX/XXXX, I QUALIFY ) for Restitution. I was a victim ... How was I not qualified??? My loan number with Santander is : XXXX, astronomical interest, still owe XXXX, I am XXXX with XXXX XXXX and Serious XXXX XXXX ... I gave up my career to care for both of my parents from XXXX to XXXX, got in a bad place financially doing so, have been gainfully employed since ... I have been serving to care for others as a XXXX, XXXX XXXX during Covid ... I need Restitution, Deficiency waiver, loan forgiveness and or CLEAR title ... Can you help me please??? Investigate this ... .I NEED Why was I not qualified??? Resitiution Wanted : I want a Clear Title or a normal interest rate and this ends XX/XX/XXXX ( and Clear Title ) Please ... Sincere Regards, XXXX XXXX XXXX ***Please see other Complaints like mine : Posted by XXXX XXXX XXXX XX/XX/XXXX I have had some of the same issues like everybody else. How do I get in on this class action law suit? Posted by XXXX XXXX on XX/XX/XXXX I have paid off this car 3 times and I am sick that we still owe almost what we bought it for. Posted by XXXX XXXX on XX/XX/XXXX I want to participate in the class action law suit, they have called me sometimes 3 to 4 calls per day on my lien Posted by XXXX XXXX on XX/XX/XXXX I contacted Santander Consumer on XX/XX/XXXX to voluntarily surrender the vehicle that I had financed through the company. I provided them with the location and where the could find the key. Its been almost 3 months and the still have not come to get the vehicle, but are still reporting a delinquent balance to the credit bureau. The vehicle was a XXXX XXXX XXXX that I purchased in XXXX and still somehow owed $ XXXX. Posted by XXXX XXXX on XX/XX/XXXX Please add me to this class action lawsuit. I have the same situation. Posted by XXXX XXXX on XX/XX/XXXX I filed attorney general complaint in N.C. for violations of finance contract being over the legal limits NC GS 25A-15. The legal limit on interest rate for credit installment contracts is 18 %. Posted by XXXX XXXX on XX/XX/XXXX {$10000.00} dollar auto loan with {$3000.00} down all payments on time still owe over XXXX how is this possible?
Company Response:
State: NC
Zip: 27028
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-26
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: A woman I dated 35 years ago died Her daughter contacted me asking for help. I agreed to help her and paid XXXX for a down payment on a car for her. I somehow ended up on the contract? I have never seen the truck and I live in Mississippi and the truck was bought in Texas. I never agreed to cosign a loan and I have for 31/2 years asked for a copy of the loan documents to verify my signature. Chrysler has repeatedly lied and failed to send me a copy. But it shows up as a cosign on my credit report. I filed a dispute with the credit reporting agencies but the say it was verified. I have never received a copy of the contract! I do Not believe I signed it and need help. Can you assist? I do not understand how they could verify the debt without verifying my signature. Also if it is verified Why has Chrysler refused to send me a copy so I can verify the signature? I believe my signature to be false. I do Not remember signing anything except an agreement to pay a additional down payment of {$8500.00} I had already sent the girl {$1500.00} to pay down on a car. I believe this is a fraudulent loan and I am requesting a copy of the loan documents for verification. Thank you in advance for your help.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A