Date Received: 2021-04-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: As a result of the most recent winter storm in which impacted the Texas area, my place of employment was closed. I, XXXX XXXX contacted Santander Consumer in regards to Account # XXXX in efforts to seek deferrement options or repayment plan. In XXXX, I was granted an extension and since my place of employment sustained extensive damages and was still unable to reopen, I once again contacted Santander once again on XX/XX/XXXX. I spoke to a representative who advised me another extension was granted. As it stands today, we have still been unable to reopen due to these damages but I borrowed funds to make my XXXX payment. I contacted a representative at the above referenced company and was advised that even though I was told a payment extension was and would be granted in XXXX that was no longer the case. I am now 40 plus days in the arrears and payment needs to be rendered immediately in the amount of {$1700.00}. The payment must be rendered and will report derogatory on my consumer reports. Appalled and devastated I requested to speak to a supervisor who relayed the same information. My extension was not granted due to the call being disconnected. My place of employment is scheduled to reopen this weekend for the first time since the storm ended. I work in a restaurant and we have been devastated by both the pandemic and now the storm. I requested the originally extended repayment option be applied to no avail. I was able to render one month payment in the amount of {$56000.00} but unfortunately I'm not able to render any additional payment until after I commence work. The company has poor ethics and very insensitive to the needs of its consumers. These practices should be deemed predatory as their primary objective appears to be to repossess the cars of unfortunate customers who unwittingly agree to utilize their services.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I co-signed an Auto Loan with Santander Bank for a car. I made payments on the loan until I lost my job due to COVID-19. I contacted Santander Bank to discuss alternative payment arrangements such as a deferment, lower my monthly payments or a forbearance considering the circumstances. Santander Bank failed to work with me, charged me additional fees and made negative marks on my credit report. Under the CARES Act, Santander Bank may not report this auto loan as being late if I lost my job and was unable to make my monthly payments as a direct and exclusive result of COVID-19.
Company Response:
State: NY
Zip: 14207
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: the account was not my account fraud account i disputed with XXXX and XXXX but no result
Company Response:
State: TX
Zip: 77090
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted XXXX several times trying to get this issue resolved. I have notified via mail ( 3 attempts ) and calling them twice. I explained to them that Santander Consumer USA in the amount of {$27000.00} and XXXX XXXX XXXX in the amount of {$54000.00} are both fraudulent accounts that reflects my credit report. I have also contacted both creditors about this matter. I was advised to file a police report and Identity Theft Report which I have done. Neither of the other credit reporting agencies are reporting these fraudulent accounts.
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
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: I have tried multiple times to resolve errors in reporting. Chrysler Capital has reported me 30+ days late 13 or more times on each of the 3 Credit bureaus. After my last request I have found dates that have been reported incorrectly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX are all reporting 30days Late. After reviewing payment history with Chrysler Capital I have disagreed with their findings and have requested with support documentation that XXXX, XXXX and XXXX correct my pay history to match the accurate information provided. I have tried on 3 different occasions to resolve this matter with XXXX, XXXX, XXXX and Chrysler Capital my last request was mailed 45+ days ago
Company Response:
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchase my vehicle in XXXX. In XXXX, XXXX and XXXX they didn't report anything to the credit bureaus until I filed a dispute. Each time they only reported some of the information to some of the credit bureaus and that was only after I filed the disputes. I spoke with the company and asked them to please provide information because it showed I had outstanding debt over XXXX XXXX Multiple people yelled at me. They said I was lying because they report to the credit bureau every month. After filing disputes the information was finally gathered and since the last dispute they change the information from the past from being negative to positive back to negative. Because of them doing this I am unable to refinance with another company because it has damaged my score so bad. I have bank statements showing every transaction and screenshots showing them going back-and-forth on my credit report changing months from current to delinquent.
Company Response:
State: CA
Zip: 93041
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander consumer is reporting an erroneous debt on my credit file that I do not owe. I have been disputing this account with the bureaus and they keep verifying this. I paid this account over a year ago!!! I do not owe you anything but you insist to continue to report a balance on my credit file. This is inaccurate and it must be removed immediately. I will have you know that reporting erroneous debt on my credit file can constitute fraud under both federal and state laws. I am tired of disputing this with you, the next correspondence for this account will be an attorney. This account is paid in full and I ask that you report correspondingly.
Company Response:
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Lender is stating that my account was 30 days late XX/XX/2016, and added another month and stated account closed XX/XX/2016, when the loan was closed and paid in final XX/XX/2016. I've had numerous issues with Santander and will be formally filing a complaint with Federal Trade Commission.
Company Response:
State: CA
Zip: 92025
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I spoke with XXXX XXXX XXXX XXXX XXXX about a vehicle, during the time of working with the salesperson I let her know that I have a fraud alert on my credit report and that I needed to be verified each time my credit report is accessed. She stated that she understand. A little later I started seeing all of these hard inquiries on my credit report and I asked her why/how where they being done without my verification? I also named the banks and she stated that it was not them so I locked my report again. Then she stated that they were having difficulty getting me approved, but I had already received a letter from XXXX XXXX XXXX XXXX stating that they were unable to verify me therefore they were not going to approve me. This prompted me to call several of the other places that I was seeing on the alerts that she ( XXXX from the dealership ) stated that they were not using and ; XXXX- gave me a case number XXXX stating that they would remove the inquiry because there was no signature. XXXX XXXX - is refusing to do anything they are basically acting like they know nothing. XXXX XXXX XXXX let me know that not only was it not me that attempted to verify the identification process but my wrong birthdate was given. XXXX XXXX XXXX does not have a number where you can actually reach a person or leave a message. There are multiple others with acronyms that are difficult to decipher, but in essence what this dealership did was continue to submit my information over and over improperly in an attempt to make this sale. I understand that in the wake of the pandemic we are doing things differently where we are minimizing exposure due to Covid. This was the reason why I was trying to handle this remotely but as opposed to doing it the correct way this dealership decided to expose me and my information for their benefit and it cost me my security.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: XX/XX/XXXX paid off car loan in full {$11000.00} XX/XX/XXXX received letter stating " santander consumer usa, inc recognizes the above referenced account as paid in full on XX/XX/XXXX. '' XX/XX/XXXX received letter from santander statting " we have contacted the florida dept of highway safety and motor vehicle to remove our lien interest on the electronic title for the XXXX XXXX XXXX '' XX/XX/XXXX received check from Chrysler capital for {$620.00} as I overpaid the payoff amount. XX/XX/XXXX - but I received XX/XX/XXXX a letter from Santander collections ( debt collector ) as an attempt to " collect debt. '' Very perplexed, I called Santander as I knew this must be a clerical mistake because my loan had been paid off since XX/XX/XXXX. I was informed during this phone call that I owed {$1300.00} even though my loan was paid off in full, I received letter of pay off, & title was transfered to me. According to Santander, 2 payments were made to my account in the past year improperly. I have no record of this only their word that this occurred. One in XX/XX/XXXX & the other XXXX XXXX. None of this makes sense as my loan was paid in full.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A