Date Received: 2021-06-23
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I took out a loan for a XXXX XXXX XXXX in XXXX XXXX. Since then the payments I have been making are {$510.00}. this was purchased from an authorized XXXX XXXX in XXXX, GA and the lending company used was Santander. The interest rate that I was given is 25.4 % interest. There have been a few months where i was late on payments, The total late charges were {$340.00} however just recently on the XXXX of XXXX i contacted them to make the payment for all the late charges as well as the current payment for the month. I also inquired in how to start paying advanced payments and how to get them applied to loan principal. The operator advised us after the recent payment made on the XXXX the account was up to date, and that the way to make sure payments were applied to the loan is to pay the minimum monthly payment each month, and then make a second payment and call them to indicate them to apply to the principal. then i called again on XX/XX/XXXX with the intention to make a second payment to apply to the principal however the operator this time said that the payment originally made on the day prior was not applied to the late fees, but to future payments, and that she would have to make a request or something to have the payment applied a certain way. so essentially, the problem is that these parasitic theives are doing the following : 1 - charging me 25.4 % interest on a car loan that originally cost approximately {$19000.00}, and after approximately 2.5 years i still owe around {$16000.00} usd 2 - now that i am trying to pay off the loan with advance payments, i am getting all sorts of runaround, not clear instructions, no support on how to pay off this loan. I dont want to start throwing money blindly at this foreign shady institucion Santander and i am out all sorts of money. any sort of help or guidance on how to deal with these people is greatly appreciated.
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: XX/XX/XXXX I went into my credit union to get a loan to purchase the vehicle since the lease termination date was coming near. Within that payment was also my last month 's payment. I had called them a few times during the week to see if they had received it yet, but they didn't, so I made another payment, not wanting it to be late. I called afterwards when I saw that they received the both the buyout and my payment asking when I'd get my refund. I was told 30-60 days.So I called again on XX/XX/XXXX at XXXX and was told to wait another 30 days. So I did. And no refund came yet. I called again on XX/XX/XXXX since it was another 30 days. I was told that they'd get it mailed out and it should be there in a week. A week later and I'm still without my refund.
Company Response:
State: WI
Zip: 53207
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ive called several times and disputed this on my credit. I lost my business during Covid-19, I called in to see if they would work with which I was told they would. They sent me documents the first time, I signed and they never received them. Answered the phone a month later to only be told I never made my payment. I explained It was supposed to be attached to the end of the loan as I was explained by their representative. I was also, told by their representative on a recorded line that it didnt really matter anyway because late payments would not be reported to my credit during Covid which put my mind at ease. Now, I have 2 late payments on my credit report that are effecting my tremendously as Im trying to get back on my feet after losing my business during COVID-19. Im so disappointed with Santander finance. It is reporting late XXXX and XXXX of 2020.
Company Response:
State: OK
Zip: 73170
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a loan with SANTANDER CONSUMER USA, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SANTANDER CONSUMER USA and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX and SANTANDER CONSUMER USA with no successful resolution. XXXX, XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Chrysler/Cap Account Number : I reviewed my credit and noticed discrepancies in the information reported! This company is reporting information that is not consistent nor verified! I have requested validation on 2 separate occasions with no response! I am requesting written verification of the amount reported! How validated or verified this information? We hat information is present that I was ever attached to or made aware of This bent?
Company Response:
State: CA
Zip: 94533
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: these accounts dont belong to me. please remove accounts : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. CHRYSLERCAP Account XXXX : XXXX 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: CT
Zip: 06473
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The company that threaten to sue me is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They threaten to take me to court if i did not pay for an auto loan that was repo in 2018. The company that I have gotten the loan from is Santander based in Texas. I just gotten a letter in the mail stating that Santander has been sued by New York State for wrongfully over charging people interest on their loans. This was sent to me by the State District Attorney. I wanted to know if I have to still pay the loan back if the loan was illegal in the first place in the State of New York?
Company Response:
State: NY
Zip: 14227
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander willfully and illegally keeps furnishing inaccurate information to my consumer reports. The alleged account which they continue to furnish states various inaccurate account statuses and dates across my 3 main consumer reports. This account has long been closed and paid off, yet they continue to inaccurately report varying information to all the 3 main credit bureaus in direction violation of 15 USC 1681s-2 of the Fair Credit Reporting Act. Moreover, I never gave them my permissible purposes ( written signature ) pursuant to 15 USC 1681b ( a ) ( 2 ) to furnish this account to my consumer reports yet alone inaccurately. After attempting to resolve this matter with them directly over the last 100 days all to no avail, I am enlisting the help of the CFPB and Federal Trade Commission. This inaccurate and erroneous account needs to be immediately deleted from all my consumer reports to stop this reckless damage to my credit and consumer reputations. Failure to delete this account immediately from my consumer files will ensure I engage the help of my Attorney, State Attorney General, and the FTC to begin litigation against Santander. Pursuant to 15 USC 1681o and 15 USC 1692k of the Fair Debt Collection Practices Act, I will be enforcing for all damages this account has caused me the consumer.
Company Response:
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A