Date Received: 2021-04-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I tried on numerous occasions to talk with someone pertaining to the Santander settlement. I have been patient and I would like this account closed and deleted according to the Pennsylvania Santander Settlement and also The FCRA.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX and XX/XX/2019 payments were reported late, but they were not. Disputed actions several times, and I have not heard anything back from them or the 3 credit bureaus.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Car was purchased in XXXX and reporting that it was purchased in XXXX. I did not know until XXXX that the car was purchased in my name until my relative who did it passed away. I have called and mailed the police report and filled out so many affidavits to prove this isnt my debt. The car was repossessed in XXXX and is still reporting late payments to this day. Every time I call Chrysler Capital they send me a identity theft package. Its all the correct info birthday and social number so they cant help me. The payment was XXXX dollars and the only income they had was a social security check. It should not have been approved. They also told me all documents were signed online.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a fraudulent account on my credit report that I have never heard of
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I had a car accident XX/XX/2020 and the car was a total lost. I had full coverage with XXXX XXXX and XXXX XXXX XXXX insurance. I made my payments on time before the accident.. The insurance companies should be held accountable. The car loan balance should have been paid off in full in a timely manner between the two insurance companies without damaging my credit. I was not aware the insurance companies did not payoff the total debt as expected. I immediately reported the accident to both insurance. I found out later that the loan was not taken care of by the insurance companies according to my contract. I reported the issue to XXXX the dealership where I purchase the car.. XXXX agreed with me and contacted XXXX XXXX and the loan balance was paid in full.. I am in distressed that this information have been included in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure the information reported is completely in accurate and correct. The following information therefore needs to be re-investigated. I demand to see verifiable proof an ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since XX/XX/2019 I have made consistent current payments to Santander consumer USA on an original open current account with the vehicle still in my possession. The account has not been sold to any debt collection agency however my credit reports are showing the account is charged off and closed. Although the account became delinquent in XXXX due to XXXX and as a result, a change in income, I have since as previously stated overcome the financial/medical hardship and continue to make on time payments that are not being reflected as positive monthly payments but showing a reduction in principle amount on what appears to be a closed account where its giving the impression that the car may not be in my possession or is appearing to be in a repo status. I would like the current status of my account which is open, as seen and confirmed in Santanders system by several representatives to be reflected, as opposed to the delinquent status being reported to the credit bureaus. I do understand that a company has right to charge off an account due to delinquency so I am not requesting necessarily the removal of the charge off just that the current status of account is shown accurately. I have documentation showing history of payments and a hard copy bill statement stating account is current. I have enlisted the help of XXXX law to assist in this matter however I am in dire need to have this expedited and corrected because my credit score is severely being impacted
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account has been charge off. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, You have claimed a credit insurance over this account, you do not have any loss, clearly this is a violation of the law to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In XXXX Santander hired a third party company called XXXX XXXX XXXX to repossess my vehicle after a long drawn out dispute about the loan amount owed to Santander back in XX/XX/XXXX. I spoke with more than 10 agents between XX/XX/XXXX to XX/XX/XXXX when I was strong-armed into paying Santander with money I didnt have which I had to borrow due to low income. By repossessing my car which is a necessity for me to look for employment and feed myself it caused emotion distress, I ask for COVID-19 deferred payments and/or smaller payment which they contested and said They dont provide earlier in the pandemic. Santander collections practices were predatory during the on-going COVID-19 pandemic, I asked for an investigation of accurate payment history and the amount owed to Santander as it did not look accurate as checked in the account they provided to make payments ; and felt I was being charged a higher than normal interest rates not contracted ; all while being furloughed and eventually terminated from work due to COVID-19. The company made it very difficult and put more pressure and hardship on me while looking for answers to my questions about the accuracy of amount owed on the car loan. I submitted a CFPB complaint about Santander in the past because of this run around which caused a great deal of stress. After submitting my complaint, when I would call Santander the customer service representatives would say they do not see a complaint for my account and wouldn't verify if the amount owed on the car was accurate or not and how this was determined which they responded with repossessing my car. Secondly, after stressfully looking for the funds to get my car back from repossession, I was able to retrieve the car back from the XXXX XXXX XXXX the 3rd party hired by Santander after paying Santander {$2000.00} in the allotted 10 days they pressured me to make payment. When I went to XXXX XXXX XXXX pick-up location I found damages to the vehicle while my car was in their care. Both companies ( Santander USA Consumer and XXXX XXXX XXXX ) refused to resolve the issue. XXXX XXXX XXXX caused drag damage to the front bumper. XXXX XXXX XXXX also broke into my car ( they didnt have access to my keys ) and left scratches on the leather portion of the door, and detached the weather seal around the drivers side and passenger side. My property was removed from the car and put into trash bags, even though payments were made in the allotted time. When asked about my personal belongs XXXX XXXX XXXX advised the car was being prepped for auction. I witnessed employees of XXXX XXXX XXXX inside vehicles including mine without mask, gloves, or following any COVID-19 protocol. They refused to let me view the vehicle before signing paperwork, stating that the paperwork needs to be signed in order to see/retrieve the vehicle. I filed a complaint to Santander USA Consumer about the 3rd party they hired XXXX XXXX XXXX because that is what the third party advised me to do. When I filed the claim Santander USA Consumer did not address any of the issues and told me to go back to the XXXX XXXX XXXX after this same company told me to contact Santander because thats who hired them. Santander is denying responsibility for the damages to my vehicle, and Santander said XXXX XXXX XXXX is denying claims of damages. Thirdly, due to Santander unwillingness to work with me on the car payments I could afford during the pandemic, they placed derogatory marks on my credit profile with the 3 credit bureaus and has since caused hardship in getting my life together, as I want to relocate but with such marks on my credit file from Santander it will be difficult relocate and make the needed adjustments to do so.
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A