Date Received: 2021-04-17
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: We purchased a car from XXXX XXXX XXXX XX/XX/17 santander consumer usa underwriting dept approved the loan knowing it was not legitimate on the dealerships end. The paperwork was never signed by the seller the dealership which it clearly states if not signed by seller the loan is not valid. The mileage on all of the documents was changed it shows XXXX ish miles when the car had over XXXX. The loan was and is a predatory loan. I have contacted me our attorney general and filed a compliment on here before. When the company had to settle a lawsuit they never included us even though we had defaulted at least 2 to 3 times during the required time frame. We would like the car written off and the loan showed as paid on our credit report and the signed tile free of their lien sent to us as we have continued paying on a loan that was never valid due to the dealership not signing the documents and changing milage and the loan being a predatory on subprime borrowers
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern I am looking over my hard inquires with XXXX and there are a few inaccurate information that either should have been taken care of but for some reason wasn't. Today 's date is XX/XX/XXXX XXXX XXXX in XX/XX/XXXX was fraud and Santander XXXX on the same date XX/XX/XXXX was never authorized by me I never signed anything and I was told would be off my report asap. I understand that's newer so that might take some time. I also have a XXXX XX/XX/XXXX which i spoke to plenty of times and they removed it from XXXX and XXXX as i never authorized that either and was fraud. I wrote them letters and everything under fair credit report also so I am unsure why that is still on there. Than the last one that i never gave anyone any permission to run my credit was XXXX XXXX XX/XX/XXXX. There customer service team was very helpful and removed from XXXX and XXXX but it is still showing on my XXXX credit profile.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Santander states that the reported date of first delinquency is XX/XX/XXXX. The statute of limitations is determined by adding 7 years to the date of first delinquency and that it will remain on my credit report until XXXX XXXX. BUT Santander failed to update and report my payment history from XXXX XXXX XX/XX/XXXX its left blank, but Santander XXXX an on time payment at the end of the year in XX/XX/XXXX. Why is that? I can tell you why because by reporting that payment history from XX/XX/XXXX that will be pass the statue of limitations. This account is Outside of the statute of limitations on collections.
Company Response:
State: LA
Zip: 70601
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have received a response form Santander, they have also sent a copy of the loan contract that I am disputing about. First I want to start by saying when it comes to fraud there are no statues of limitations. So lets start with Truth In Lending since this was indeed a consumer credit transaction under 15 USC 1605 THE FINANCE CHARGE i found 2 things I wan na bring to Santander attention that they are in Violation of : 1. Examples of charges which are INCLUDED in the finance charge include any of the following types of charges which are applicable : ( 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. SANTANDER did not include any insurance in the contract they labeled that section N/A. 2. The finance charge does not include charges of a type payable in a comparable CASH transaction. Since this was a Finance charge there shouldn't be any cash transactions, I had to put down {$1500.00} cash to acquire the vehicle. I have uploaded the contract between me and Santander for the CFPB to take a look at.
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
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: This is in reference to my attempts to receive a duplicate title to renew tags. XXXX : I paid my property taxes to take my current title that I received shortly after purchasing the vehicle to the DMV to update plates and was told I could not use my current title because it was repo. I called that day to my lender Santander Consumer USA and was like what do I need to do. Santander XXXX reinstatement paperwork and I sent back all requested documentation XXXX the next day. I'm calling every couple of weeks to check on the process, they tell me their 3rd party has it ( I now believe is XXXX XXXX XXXX at the time I didn't know ). XXXX, XXXX, XXXX, XXXX still no title. I get pulled over in XXXX Not because of a moving violation, but due to my tags. That was XX/XX/XXXX. I called my lender after receiving a ticket and asking where is my title?? So was told, they don't know, they have their title team working on it. I told them my court date and demanded they send me a letter indicating that it is not my fault I don't have a title. I received a " STATEMENT OF FACT '', stating when that I filed my paperwork on XX/XX/XXXX to have the title flipped back in my name, " due to an error by our title vendor they misplaced all her paperwork and is causing a delay for us to get a title flipped back into her name. As of XX/XX/XXXX, we have resent paperwork to the customer to start the process to have the Missouri title in their name. '' Dated XXXX XXXX statement of fact - just explained reinstatement paperwork was sent AGAIN to the vendor with a tracking number on it, that was signed XX/XX/XXXX two days before the court ( 12/18 ). Court : Guilty with an explanation. Provided judge with the two notarized statements of facts and he dismissed my cause because we all believed I would have my title soon. Without those letters, I could have fees to pay. By the end of XX/XX/XXXX, still no title! No one can find the paperwork AGAIN! I had to do it again a third time!! By this time I am upset!! My stress level and anxiety have gotten so bad due to this situation. I'm consistently looking over my shoulders. Got pulled over again on XX/XX/XXXX nonmoving but tags! I have a court date of XX/XX/XXXX. I demanded they send me another statement of fact in case I don't have a title by then, GUESS WHAT STILL NO TITLE. They refused to send me one and said I should have my title before then and if I don't they will send me one, STILL, DON'T HAVE A TITLE OR A STATEMENT OF FACT LETTER. XXXX I was told by the XXXX XXXX XXXX XXXX that they sent a title to the lender on XX/XX/XXXX. The lender says they don't have anything. XXXX XXXX XXXX says yes they do, lender, no they don't. XXXX XXXX said we were told to send the title to XXXX XXXX XXXX and Santander. I called XXXX XXXX XXXX in XXXX and they had no record of my title. Current Day week of XX/XX/XXXX : Lender vs XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX gave me the title number lender needed to look up. The lender representative tried to fight with me that she looked it up by name, no title found. I tried to tell her the title might be listed under my previous married name, she didn't bother, rather got an attitude ( this was all this week. ). I called XXXX XXXX back explained to the rep, they looked up the title no record of having it in the system. The representative from the XXXX XXXX XXXX XXXX started sighing on the phone as if she wasn't trying to hear what I was trying to explain to her. When requested to speak to a supervisor she refused, said she could not transfer me, took my number down for a supervisor to call me two laters no one has called. Both parties are telling me completely different things and I have had it.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: ************Not a Duplicate complaint************** New evidence included since the company wants to act like they dont know ... In XX/XX/2017, I was given a loan which was deemed a predatory loan by the attorney general of oregon and was included in a law suit against santander and which was settled. I am entitled to the settlement which was already agreed upon. settlement can be seen on this website : XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was called from number XXXX stating the organization calling was XXXX XXXX. The provided me with the number XXXX. I called this number and spoke with a gentleman that stated I owed a debt to Santander for a loan on a XXXX XXXX XXXX. I told them that is was a loan through XXXX XXXX XXXX and was settled back in XXXX, then sold to Santander. He stated that if I did not pay that they would pursue legal action and place a lien on property or on income. I asked for the company name and was told it is called XXXX XXXX. They claimed to be a mediator for Santander. I believe this to be a bullying tactic to get you to pay old debt that is no longer collectable.
Company Response:
State: OK
Zip: 74136
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I read about the class action lawsuit with Santander. It stated my attorney General for the state of Arkansas has sued them for unfair practices for predatory lending. The maximum allowed interest rate in the state of Arkansas is 17 percent. my loan rate is currently at 24.10 % I called and left a message with the Attorney General 's office. I then called Santander to speak with them regarding the loan and the interest and how I was never sent any notification, as I was qualified for either restitution or loan forgiveness according to the website that was managing the class action lawsuit or at least that what was my understanding, so I was calling to clarify the information. I'm not a lawyer so I figured they would have to tell me accurate information about my rights. They refused to speak to me regarding it and said I had to speak to the Attorney 's general office and said all settlements have already been reached. I don't know what else to do from here.
Company Response:
State: AR
Zip: 72116
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A