Date Received: 2021-06-26
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 have a mortgage pending! This company Santander USA is a fraud! I put XXXX down on a XXXX XXXX XXXX with them and, I had all of the car payments set up on automatic draft monthly with my old XXXX XXXX account which I closed down at the end of XXXX! I was sitting at a red light on XXXX and, I was rear ended while sitting still at XXXX in a XXXX mph zone and, the car was totaled out! The car payment was XXXX monthly however with taxes and, processing fees they took out way over that amount monthly as I will send in the document provided below! On my XXXX report which they didnt change they had that I pay the XX/XX/XXXX payment late and, XX/XX/XXXX 30-59 days late that is wrong! They drafted the XXXX payment on XX/XX/XXXX which was one day before XXXX out of the XXXX XXXX account! In addition I sent proof to XXXX & they updated it the exact same! I am furious my XXXX XXXX agent got a pay amount from from them and, they got a payoff, a diminishing value and, a gap insurance check which all went directly to them by XX/XX/XXXX! Which was well over what they quoted the payoff was & an additional XXXX from me also! XXXX XXXX is reporting XXXX and, I sent them profs of payment also! It wasnt a XXXX it should report OK. They got a XXXX & XXXX payment although the car was in a salvage yard & undriveable since XXXX when I was rear ended in it XXXX & they didnt even give me a pro rate for XXXX or XXXX by XXXX my insurance company paid this car in full! Then on XXXX they have that o have a 30-59 day late for XXXX of XXXX I didnt have an account anymore these people didnt pro rate XXXX, or XXXX they got a car payment 3 insurance checks one from gap, XXXX & a diminishing value check all by XXXX of XXXX! On both XXXX & XXXX they stated I settled it for less like its a charge off or a VOS which is killing my excellent credit! It was paid in full not settled for less not underpaid either it was over paid and, I didnt have a account XXXX of XXXX so the XXXX XXXX XXXX late is totally wrong! I need this corrected ASAP I have a mortgage pending this is awful. I was a great customer to them! Years later Im fighting this now I need a mortgage
Company Response:
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2021-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2021,XX/XX/2021,XX/XX/2021 sent numerous of factual disputes on Santander consumer USA including screen shots of inaccurate information being reported on my credit report including different high credit section and the comment section .XXXX and XXXX keep reporting my information as updated with the same errors.Santander also updated my account saying I paid {$2.00} which was not true.
Company Response:
State: TX
Zip: 75701
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 Your company checked my credit report and put a inquiry on my report without my consent i never authorized your company to check my credit report without my knowledge. Please remove the inquiry i did not give you permisson to check my credit report. I dont have a account with your company. I wrote letters to you in XX/XX/2021 asking you to remove the inquiries i have not heard anything from you and wrote letters to XXXX XXXX and XXXX credit bureaus.
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have included information on accounts that are are reporting and not mine. 1. CREDITOR : SANTANDER ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$30000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX 2. CREDITOR : XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/2019 BALANCE OWED : {$20000.00} BUREAUS TO DISPUTE : XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am disputing a collection account showing on my credit report from XXXX XXXX XXXX XXXX XXXX in the amount of {$7000.00}, originally from Santander Consumer USA XXXX, which I do not believe I owe this amount. I have disputed this account directly with XXXX and the credit reporting agencies, and even hired a company to assist me with no result. They were informed of my dispute and that I was requesting a copy of the Explanation of Calculation of Surplus or deficiency as proof of the amount they claimed I owed, since I never got a copy from Santander. XXXX continues to report this account on my credit reports and this information is affecting my credit rating and ability to obtain credit, This situation have also created a lot of emotional stress. I am requesting your assistance in enforcing this company to comply with my request or delete their trade line from my credit reports. Thank you in advance for your assistance.
Company Response:
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My name is XXXX XXXX My social security number is XXXX I have a auto loan with Santander consumer USA I ask consumer service for a extensions for XXXX reason for extension was that I was affected from covid and I can make my payment the next month. But they didn't care and said they couldn't help me
Company Response:
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Vehicle was repossessed after paying for 4 years amount owed on contract to Santander it changed by XXXX company states it was recovery charge storage charge transport charge key replacement fee auction charges I had items stolen out of vehicle at storage facility and had to pay XXXX of the original XXXX that was owed to get personal items and I surrendered the keys to the tow company when they came for the car. When I called to pay balance XXXX within 48 hours was told of other charges added on and car was at auction 300 miles away. I received a letter that auto sold for XXXX but I still owed for all storage and transportation changing balance to XXXX account was closed in XXXX sold to collection agency after submitting all my paperwork to XXXX XXXX they decided to close collection account And deleted it
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Paid car off on XX/XX/2021 Never received title or lien release Called several times to receive and Im still waiting.
Company Response:
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft, Please remove all accounts and inquiries that, I have mentioned in this report they do not belong to me, therefore, needs to be remove those account per FCRA 605 ( B ) U.S.C. 15 as prescribed by the FTC FCRA. CHRYSLERCAP account number XXXX XXXX opened XX/XX/2014
Company Response:
State: NY
Zip: 11356
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-25
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I bought a car from advantage XXXX a 2017 XXXX XXXX and I bought the gap insurance as well from XXXX XXXX and had full coverage from XXXX XXXX XXXX and my car was claimed a total loss they had me surrender my vehicle and a gap and my insurance company together did not cover the entire price of the vehicle why that happened I don't know I thought Gap was the purpose of finishing paying off if the insurance company did not pay off so now I have {$1600.00} balance on my credit report from Chrysler Capital can you please help me
Company Response:
State: NM
Zip: 87401
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A