Date Received: 2021-05-22
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: They are reported negatively twice to Each credit reporting agency for the past 3 years causing a double Jeopardy and double the damage to My name as if is 2 seperate incidents causing my score to suffer double the points as it should. Yet both companys refuse to remove any negative reporting
Company Response:
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After sending several disputes to XXXX XXXX and XXXX in regards to an account on my consumer report reflecting inaccurate information I am receiving the decision that this account is being verified and continues to report several inaccuracies. On XX/XX/XXXX after speaking with a representative from XXXX in regards to the inaccuracies showing on the account I asked if I could see the proof of Verification as they claim to have verified the information as accurate. I was denied this information as they stated that they do not provide the proof of verification. I was then instructed to call XXXX XXXX XXXX to obtain a copy of the contract to prove the inaccuracies that is currently being reported as far as the past due amount and the fact that this account has been closed for several years and not open as it is currently reporting as an open account. After speaking with 2 different agents from XXXX XXXX XXXX plus a supervisor on XX/XX/XXXX I was told that they are unable to provide me with a copy of my contract due to the fact I was unable to answer 1 of the several questions to prove my authenticity ( even though I provided my SSN, name, D.O.B, address at the time and the Dealership where the car was purchased from. I then contacted the dealership and ask could I get a copy of the cont tract and I was told that after 5 years they shred it leaving me with no other option to resolve this situation which has caused me financial hardship due to the inaccurate information that is currently reporting on my consumer report.
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On or about I called my lien holder Santander and tried to begin or arrange some sort of payment plan because I was falling behind, although they never one time sent a letter of notification of my account being in default and the person on the phone was trying to tell me she was attempting to collect a debt that whole thing with me XXXX this is not a debt collector agency it cant legally charge off the debt and then use it as a loss to their shareholders like I was informed then on several streaming to timely update the major credit reporting bureaus they made huge and potentially very violation and deceptive acts such as making my account as closed and charged off as a loss but they cant sell the debt to themselves because they are as federal law can adjudicate because I also never regret one collection letter to the matter of default or notification to collect because legally they can have the thought that they can identify as. A debt collector and thst bought the debt even not after 180 days to legally fault and anyway they reported on a different report that my account last payment was in XXXX when the other agencies had charged off the entire debt and used as a loss to the shareholders so they also never once made a collection call of sent notice so I could dispute snd also verify the value of the debt so they just came and actually legally had legal documents to take my car they never did one Indiana law to legitimize the repossession of my vehicle because they did not sell the debt in i order to collect my property especially if my other credit report Is showing the balance Id accruing interest after it was charged off because the difference in the charge off amount and the fact the are not reporting that payments I did make after my charge off
Company Response:
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I do not recollect me having a loan with Santander. I did try to rectify the situation, I thought I could pay it but it was too much for me to spend for a debt that is not mine. I just want it removed.
Company Response:
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an account with Santander Consumer XXXX USA car loan. I have not been past 30 days within in the past year. Often, I have to call Santander Consumer USA to report my account. They did go back report my account as late every month and previously it was reported paid on time on XXXX. I did have deferrement on the account last year XXXX. XXXX due to COVID. They reported it as 30 days late. For XXXX. XXXX they reported the account is current paid on time. They have not reported for XXXX or XX/XX/2021. They also reported my account paid and late within past 90 days. This has dropped my credit report I am in the process of closing on home and this could keep me from my purchase. I am asking that Santander will report correctly and show where I have been making on time payments and remove the negative issues on my account.
Company Response:
State: GA
Zip: 30549
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have 2 late payments on my account because I attempted to pay it online repeatedly and I kept getting kicked off the site because of technical issues. When i did get thru on XX/XX/2020 and XX/XX/2020 it said that it was accepted but later i was notified that they never received the payment. By the time I was notified that the payment was never recieved io paid it but it resulted in a 30 day late pay. They also never called or sent me a bill in the mail so I had no way of knowing. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Company Response:
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX in this website I did a complains agains Chrysler Capitel because my request was to SHOW AS the conversation I have with each representative after the repossession of the car in which I still have a debt with them. Even they sent me a letter by mail that said " YOU CAN GET YOUR CAR BACK ANY TIME BEFORE WE SELL IT BY PAYING US THE FULL AMOUNT YOU OWE including expenses. TO LEARN THE EXACT AMOUNT YOU MUST PAY, CALL ... '' In this letter does NOT said " let me see if you qualified to get you car back '' as you can read in the previous parragraph. ( attached letter ), The representative that didn't allow me to paid the amount by phone it could be any of this names " XXXX '' or " XXXX '' or '' XXXX ''. Did not gave me the opportunity to talk with any supervisor. I call several time a requesting a supervisor, none of the representatives English or XXXX speaker didn't allowed me to pay my car or connected me with a supervisor. Because the previous representative decided not to sell my car even I had the money to pay and I can show in the statement of my back account. Meanwhile, I have to rent a car three times and to buy a second car to move between XXXX and XXXX long drive and have the debt with Chrysler Capital.. They sold my car a XXXX XXXX XXXX and then I received different emails with different amount of how much I own and still in the response that they gave here in the past complain the send a old amount. I also said to the representative " XXXX '' if I am not wrong this is her name, that I wanted the supervisor or I will hire a lawyer and he will listen this conversation. She also told me " GOOD LUCK WITH ANY LAWYER THAT WILL HELPED YOU TO REQUEST THE CONVERSATIONS AND SHE WAS THE SAME THAT DIDN'T'T ALLOWED ME TO TALK WITH A SUPERVISOR '' And my following calls to try ro talk with different representative in English or XXXX, all of them told me the same NO SUPERVISOR and NO POSSIBILITY TO PAY THE DIFFERENT OF YOUR CAR, TO TAKE YOUR CARE BACK. I am requesting all the conversation I have after the repossession, because they didn't allowed me to paid the different and continue with my car. And I would like to finish with the representative " XXXX '' how she also remains of " HOW THIS WILL AFFECT THIS MY CREDIT SCORE. '' I am requesting all the conversation I have with Chrysler Capital.
Company Response:
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: As of XX/XX/XXXX I've made several attempts to resolve the issues with this auto loan w/ Santander Consumers U.S.A. I have also made many payments totaling at least {$19000.00} towards this auto financing acquired w/ Santander Consumer U.S.A , which does not do refinancing of their predatory auto loans. This Loan started on XXXX XXXX for a USED XXXX XXXX purchased at a XXXX Dealership with me paying a {$5000.00} as down payment w/ a monthly payment of {$630.00} w/ a 26.9 % annual interest rate. On XX/XX/XXXX I had spoken with 3 representatives in their Escalation Service Dept. and every single one fails to allocate payments correctly towards the principal amount of the auto loan. I have all the details of this communication and h this was one of the many calls made to Santander Consumer U.S.A. This bank also fails to accurately report my payments to the 3 credit agency, which by reporting inaccurate information has prevented me from being able to refinance this predatory auto loan with another bank fro a lower rate. And another problem with Santander Consumer USA is that even while making payments on time with the 30 days of the month in which the payment is due Santander COnsumers U.S.A collection department keeps calling my telephone number with " ROBO CALLS '' for collection and collection calls. Now they have been sending e-mails stating that they don't have my correct telephone number, which is a lie from their behalf as the automated system always verify and recognize my telephone number when I call every month to make an ACH/debit card payment over the telephone. Please Help as this is " highway robbery '' to say the least.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
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: LA
Zip: 70769
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: This is a compliant against XXXX XXXX XXXX and Santander Consumer Usa Inc. These two companies have violated USC codes against me and I am submitting a counter claim. They have violated servers codes during my consumer credit transaction of an XXXX XXXX XXXX, on XX/XX/XXXX. They have committed identity fraud and the illegally disclosing of any personal data I order to communicate that I allegedly owe them a debt, I demand an investigation of the codes that these two companies have violated which are 1. ) 15 USC 1692 e ( 2 ) a 2. ) 15 USC 1692 f ( 1 ) 3. ) 15 USC 1692 d ( 1 ) ( 2 ) 4. ) 15 USC 1692 b ( 5 ) 5. ) 15 USC 1615 a ( 1 ) I will provide proof with the documents herein starting with the Certificate of Service. I am also ordering to be paid for what is owed for each violation, I also demand to be paid by check to the listed address. Best Regards,
Company Response:
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A