Date Received: 2021-04-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I voluntarily surrendered my vehicle to the company around XXXX XXXX after a couple of months I found out that the vehicle was sold but the company sent me a remaining balance. However, instead of giving me time to pay this balance, they reported the account as charged off when it should at least still be opened until I pay the agreed amount.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : GATEWAY ONE LENDING 160 N Riverview Dr Ste 1 Anaheim, CA 92808 ACCOUNT # 201208 On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within XXXX as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have filed a dispute in regards to the incorrect item on my credit report, It has been over 30 days and I haven't received any investigation results.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was recently denied credit because of the frivolous information thats reporting on my file. I really dont understand why these items are reporting on my file and would like for them to be investigated and removed. They are as follow : 1. ) XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - ACCT # XXXX XXXX. ) SANTANDER - ACCT # XXXX D.O.B. XXXX XXXX # XXXX
Company Response:
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Yes, I filed bankruptcy, and reaffirmed my auto loan with Santander USA. Since the discharge they have not started reporting back to the credit bureaus. They stated that they will not resume reporting to the three credit bureaus. I have read the law and to my understanding that when you reaffirm the loan that they are obligated to report my payments being made. This is affecting my credit and that was the whole point of filing for bankruptcy.
Company Response:
State: TX
Zip: 79423
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I leased a car through Santander consumer and I found out after it really came from XXXX XXXX XXXX. I lost my job kept up with payments but asked for some type of deferred payment. I was led on that after another payment I would get relief it never happened. A few months after my car got stuck in garage and I had to rent from XXXX and it was because someone from the dealership I got car from tried to break in my garage n damaged it. I had to rent from XXXX they started embezzling funds from my credit card an not releasing my deposits. The manager refused to call me back or fix the issue and they restricted me as a result of me calling corporate. I later found out my car that is stuck in garage is from XXXX an that was why they were stealing funds from my card illegally. XXXX keeps hacking into my credit card account or know someone from my credit card account and are messing with my account an even overdrafted my account. Threats continuously everytime I call corporate because no one calls back to resolve the issue. Its been a year I have been fighting this issue
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I purchased my vehicle in the month of XXXX of XXXX, the car was repossessed a year later in XXXX due to a very high payment of {$490.00} that was impossible to keep up with. Due to the loss of the car, I lost my job and was unable to provide for my family and my children. A couple of days ago, I came across an article on the " XXXX XXXX website '' stating that Santander Consumers USA INC. was involved in a nationwide investigation throughout 34 states ( Including Georgia ) and found evidence of sophisticated credit-score tracking methods designed to prey on those with the highest risk of loan default. Santander Consumer USA INC.was later found guilty in the class-action lawsuit for deception and predatory lending practices. In the settlement, Santander had agreed to relieve all defaulted loans and to help repair the credit of the individuals that were affected by Santander 's deceptive actions from the timeline of XX/XX/XXXX through XX/XX/XXXX ( In which my account falls within the timeframe ). XXXX reported the date of last payment was XX/XX/XXXX, but XXXX and XXXX are reporting a different date of XX/XX/XXXX which is a 3 years and 9 days difference. Lastly, XXXX had another inaccurate information of the date last active that shows a date of XX/XX/XXXX, while XXXX reports:XXXX and XXXX reports:XXXX.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The company continues to harass me about an alleged debt they know is not owed by me. I have told them repeatedly to stop contacting me about it and they have now resorted to harassing my family members. This a blatant violation of my rights as a consumer.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Around XX/XX/XXXX ... I recently reviewed my credit report and noticed XXXX items that were on my credit report. I reached out to the credit reporting agencies by phone in XX/XX/XXXX and certified mail shortly thereafter I started this process in the year XXXX only to receive reports with what appeared to be updated information. I then begin to do my due diligence to call XXXX XXXX a collection agency asking where did they get my information from the agent was very hostile and demanded money. I stated I have no idea who you are and I do not own a vehicle or purchased a vehicle with your agency I asked the agent was this a joke and the agent hung up. I then contacted an attorney only to inquire information the attorney said he could handle this with no problem but try to dispute first. I sent a letter of reinvestigation. I requested a credit report every Monday until this date the collection went away but now I called them back and started asking more questions. I was advised to contact Santander USA about the agency reporting the error in information this was no longer a concern for them. I was baffled and said well I will. I spoke to a gentleman early XX/XX/XXXX and he went round and round with me only to say send a request in writing. I asked him do you have a file or account for me I gave the account number from the report and my social he still stated please submit a written request as we do not see a file for you in our data base. This was during COVID 19 of XXXX and I did not get any information over the phone or by mail. I sent a certified letter on XX/XX/XXXX I yet have not heard from them another letter certified in XX/XX/XXXX four months later. I am literally going nuts bonkers arguing daily when I asked kindly for information and a letter of proof this burden is causing me a great deal of stress. I also saw a bankruptcy that is reporting I called the bankruptcy court fifteenth times and finally spoke to a Manger name XXXX who stated the bankruptcy court does not give out information to third parties agencies and Please come in person to request any information or contact the attorney I filed with I said lady there is NO ATTORNEY. I went down to the bankruptcy court on XX/XX/XXXX in person Deputy XXXX who stated you must go on pacers website or go in the big room to file a complaint or search out data base so I did and then I was directed back to the deputy where he gave me a letter of proof that CRA must report 100percent accurate and reveal the process and method to the consumer .... I followed all the process and contacted a attorney and went to a bankruptcy attorney to understand what is the procedure of process. I received valid information now the burden is on the federal agency to conduct, reinvestigate, and govern the CRA accordingly by the FCRA and stop this monopoly game. I reached out to CFPB in XX/XX/XXXX XXXX but the mail did not reached me til late XX/XX/XXXX, I made a call to explain the mail due to COVID the delay I have waited over 60 days to hear a comply from Santander USA XXXX this needs a speedy comply ASAP. The CRA are in business for profit and the agents are in a third world country with very disturbing language hard to understand so I am depending on a English spoken agent to resolve my concerns. The date is XX/XX/XXXX please assist with matter XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I applied for financing on vehicle and to trade in my current vehicle. When the dealership pulled my credit report, they found a repossession on my current vehicle perventing me from getting new transportation.
Company Response:
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A