Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please remove this account from my credit report XXXX the credit reporting agency because this is a mistake, this account doesn't belong to me. You can find the account information below : Identity Theft SANTANDER Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander is reporting a late payment XX/XX/2020. There was not a late payment that month. Please remove from my account or update with late payment.
Company Response:
State: TN
Zip: 37207
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2019 I entered into a finance car loan with Santander Consumer USA. To whom it may concern, According to the Truth In Lending Act 15 usc code 1605 ( a ) ( 5 ) law clearly states that insurance shall be included in the finance charge, which I purchased a vehicle under the extension of my credit and received a contracted loan that was extended from your company which had no insurance attached to the original contracted financed loan. There was no appropriate disclosure present at the time. Also no insurance included in the finance charge according to 15 US Code 1605 ( a ) ( c ) * 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 OWNERSHIP OR USE OF PROPERTY, SHALL BE INCLUDED IN THE FINANCE CHARGE* I didn't receive any insurance that was included in the finance contract. The insurance was not included in the contract which means the contract is NULL and void due to fraud, According to the law and should be deleted and I demand compensation for damages of a breached contract for not adding the insurance, willfully and knowingly as a federally protected consumer under 15 us code chapter 41. According to Truth In Lending, a lender or creditor must disclose all necessary laws and products that are attached to the contract. * Knowingly and Willfully allowing me to send cash payments and the finance loan was fraudulent from the beginning when the vehicle was purchased. You didn't add the insurance that is a violation. CONSERNING THE ACCOUNT LISTED BELOW I AM DEMANDING THE FOLLOWING LISTED BELOW. THE ACCOUNT IS IN FACT INVOLVED IN FRAUD FRAUDULENT ACCOUNT SANTANDER CONSUMER USA ACCOUNT # XXXX REPORT ACCOUNT TO CREDIT BUREAU MONTHLY FOR THE REMAINDER OF FINANCE CONTRACT LOAN DATE LISTED ON THE CONTRACT FOR A POSITIVE ACCOUNT REPORTING. SEND THE TITLE CLEAR AND SEND THE CHECK FOR COMPENSATION FOR DAMAGES OF FRAUD DUE TO THE BREACH OF THE CONTRACT NOT APPLYING INSURANCE ALONG KNOWINGLY AND WILLFULLY ALSO NOT DISCLOSING THAT INFORMATION TO ME AS A CONSUMER IS A VIOLATION.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I am a victim of predatory lending and was told that I am included in a {$550.00} XXXX class action multi-state settlement. By Santander Consumer USA Manager XXXX XXXX ( on a two way recorded conversation which I have in my possession ). Santander consumer USA /Chrysler capital refuses to provide a copy of my loan application, nor will they go over it with me ... After expressing concern that information on there may have been manipulated by the dealer, for Chrysler Capital and Santander Consumer USA interest.. In addition, I was recently informed that an internal score was used to approve my loan ; which I was un-aware of upon signing the contract. Failure of Chrysler Capital/Santander USA to disclose said information ; left me with NO other options to shop with other lenders. Santander Consumer USA/Chrysler capital refused to furnish me with my internal Credit score. Although, According to the Fair Credit Reporting act they MUST maintain all information. I believe I was lied to, and taken advantage of. Lastly, my APR was NOT disclosed to me during signing on XX/XX/2018 Moreover, they knew I would default on the loan and my first missed payment was XX/XX/2018. XXXX XXXX was XX/XX/2018 2018
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX, XXXX my Santandar Consumer loan was reported as Charged Off. I've had on time payments since XXXX, XXXX. I've submitted paperwork to both Santandar Consumer on XX/XX/XXXX as well as to XXXX. The XXXX Dispute was returned in favor of Santandar Bank and Santandar also sent correspondence that the Charged Off will remain. Does this mean I don't have to pay the balance of my automobile loan? I want this rectified. What are my next steps?
Company Response:
State: NJ
Zip: 08757
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Letters were delivered certified mail to Santander Consumer USA XX/XX/2021 and I have confirmation it was received. Santander Consumer USA has failed to validate the debt as well as cease any and all illegal activity. I've yet to receive a response and Santander Consumer USA is still reporting on my consumer report which is in fact ruining my reputation. I have not given consent to, authorized nor benefit from this account. As a consumer I have a right to privacy.
Company Response:
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I REACHED OUT TO THE COMPANY AND THEY ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THE BALANCES DO MNOT MATCH THE DATES DO NOT MATCH THE AMOUNT DUE IS INCORRECT AND THIS IS HARMING MY CREDIT SCORE TREMNDOUSLY I HAVE BEEN GOING BACK AND FORTH WITH THE COMPANY AND NO RESPONSE FOR OVER 7 MONTHS
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: They said it would be closed out on the XXXX of XX/XX/XXXX. My monthly payments are not showing. I have this paid off and it needs to be shown as being paid off. So the monthly payments should show monthly from XXXX of XXXX to XX/XX/XXXX when it was paid off. So my account should be paid off. I want this to be reporting correctly to all the credit reporting agencies.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not apply for credit with these companies. These companies are listed as inquiries on my report but I did not authorize them to pull mu credit information.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a vehicle loan with Santander and its being reported as a closed account when it is open. I am not getting credit for a open account
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A