Date Received: 2021-06-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft SANTANDER Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX/XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine
Company Response:
State: CT
Zip: 06514
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I received a settlemnt check from Santander and I strongly disagree and refuse to accept. Santander violated me as a conumer pursuant to : 15 usc 1692 d ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( 2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge. ( 4 ) Fee for an investigation or credit report. ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. ( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof. ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. ( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction. ( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable. ( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness. ( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes. ( 2 ) Fees for preparation of loan-related documents. ( 3 ) Escrows for future payments of taxes and insurance. ( 4 ) Fees for notarizing deeds and other documents. ( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing. ( 6 ) Credit reports. ( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended ; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one percent of the total amount of credit extended
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Insurance paid A portion of the bill. XXXX came in and paid a portion of the bill I was still left with {$8000.00}. I asked for a settlement and they told me they couldnt give me a settlement so Ive been paying {$530.00} a month so my credit wont be affected
Company Response:
State: SC
Zip: 29020
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-24
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: I had an extended warranty that I canceled when i traded in a vehicle that I had financed through Santander. Once the loan was paid off in full The warranty company canceled it properly sent the refund check in the amount of {$1400.00} to the dealership who then sent the check to Santander on XX/XX/21. I submitted a ticket with the executive office on XX/XX/21 and gave them all of my accounts info in addition to a copy of the check and ledger that the dealership wrote to Santander with amounts and dates and check numbers who at first told me they never received any check from the dealership, then a few days later they told me that that The dealership mailed it to the wrong address and that the accounting team cant find it. Only after that conversation was it brought to my attention by the dealership and their bank that Santander had in fact not only recognized but had actually cashed the check on XX/XX/21. Santander then requested that I send them a copy of the back of the cashed check in order to verify this info. Santander has my money and has had it for weeks and is willfully withholding it from me and is attempting to pretend like they cant find it. Attached will be a copy of the check info as well as a statement from the dealerships bank showing that the check had been cashed and money withdrawn from their account on XX/XX/21
Company Response:
State: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2021-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I received an email from the lender on XX/XX/XXXX regarding assistance programs offered. I reached out to lender on XX/XX/XXXX and a rep mentioned extensions and payments arrangements. I proceeded to set up a payment arrangement, but rep advised me to call the assistance team. I called and spoke with a rep who asked me a series of uncomfortable probing questions such as : 1. When did your financial hardship start? 2. How long do I inticipate being in a hardship? 3. What is my back up plan for meeting payment obligation? 4. When will I resume work? 5. What can I pay? Etc. I asked if these questions were apart of the payment arrangement process, and I was told, that my account needed to be reviewed further. Also, the answered questions would help to determine if assistance could be provided. I informed the rep that I was affected by COVID-19 pandemic, and was also an XXXX. I explained I have experienced hardships since the beginning of the pandemic. Since I have requested assistance in the past, that process was fair and non-invasive unlike this current experience. He concluded that I was denied for an assistance program, and he transferred me to his supervisor. When I spoke with the manager, I asked if the company had a maximum allowed number/amount for utilizing payment arrangement or extensions within the assistance program. She said no, but then told me that the reason I was denied to make a payment arrangement, was because I had set up too many arrangements in the past. She also refused to explain the company policy for customers who suffered hardships from COVID-19 pandemic. She claimed she did not know the corporate email address, so she put in a call back for an executive to reach out. I asked if there was something in writing detailing requirements for the assistance program, she claimed it did not exist. The experience seems discriminatory, because I was notified about assistance programs, and the reps completely refused to allow me to access account services like other customers.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts that appear in my report, are not mine, they were reported without any authorization, they are hurting me. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 6. Identity Theft SANTANDER Account Number : XXXX This is not mine. 7. Identity Theft XXXXXXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Santander Consumer USA has not provided me with the legal documents I need to prove the validity of this account. I have asked them several times to provide a signed contract to prove this account is mine. The last certified letter went out on XX/XX/2021. Still waiting for a response. If the other responses to my inquiries are any indication, I will not get any validation for this alleged account. My reputation, credit report status, and future income opportunities have been permanently damaged because of this account! I can not get a car, house or credit card because of this mess. I am ready to go to court regarding this account if nothing happens at this point that would alleviant this situation!
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: During Covid-19, I set up payment arrangements with Santander at the end of my loan for the fees at the end of my account. I was told that when I would pay a certain amount my account would be brought current. However this was not reflected on my credit reporting. My credit reporting showed a 30,60, 90 day lates for XXXX, XXXX, and XXXX Santander reviewed calls and agreed that the information would be corrected due to the payment arrangements set up as part of the Cares act! Santander fixed inaccurate reporting for two bureaus but failed to complete it at XXXX! Ive called for months and havw been told it would update at the end of the credit cycle every month! This has not Happened and ive call Santander every day since and there has been nothing done! This impacts my ability to secure funding and has negative repercussions for me despite Santanders promise it would be corrected.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
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: 11204
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A