Date Received: 2021-04-03
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 been disputing the Santander Consumer account since XXXX of XXXX with no real proof of validation or debt from XXXX. This company was recently sued and forced to fix every account within the time span of the lawsuit ramifications. I recently received documentation on XX/XX/XXXX saying that this account will be zeroed and sent to every credit bureau. It is now XX/XX/XXXX and it is still showing a balance on this account. XXXX XXXX XXXX have been a success with removing this account and others over a year ago due to them not being verifiable and not properly validated with provided written proof of debt. XXXX seems to be the only credit bureau giving me difficulties with not only this account plus others ( listed below ), but also unauthorized inquiries. I had already contacted the companies and filed an ftc report including having a fraud alert set for over a year, but XXXX would not remove these inquiries ( listed below ). It would be greatly appreciated if someone could handle this in a timely matter. I am in need of finding a new place to live and I am getting denied left and right because of these negative remarks. Unauthorized inquiries : XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I cosigned for a loan in XX/XX/XXXX with my now ex-husband and the courts granted him the vehicle however, Santander said he was unable to finance on his own and refused to assist me. I assisted Santander in locating the vehicle because he stopped paying on it and was hiding it during the divorce for retaliation. They recently this year XXXX reported the XXXX charge off as a new debt and are saying that the payments are past due 180 days then 120 days now. They also increased the loan amount without the amount they got from auctioning the truck. They recently sent me a letter XX/XX/XXXX stating that they will not do anything further to correct this information, because I have contacted them previously about it. The credit bureaus are not updating the account correctly even though I have hired XXXX law to assist me with this issue. Santander is refusing to put the correct information on my credit reports even after the lawsuits. I honestly don't care about my ex-husbands credit he was an XXXX and XXXX, they can keep it on his. I have screenshots of all the information from the credit bureaus showing it was a charge off XX/XX/XXXX. Last late payment was XX/XX/XXXX.
Company Response:
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Inaccurate start date of account, inaccurate payment history, inaccurate payment dates, reports late payment on closed account, inaccurate or unverified dates of first and last payment made.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: My auto loan with Chrysler Capital reached maturity in XX/XX/2021. I contacted Chrysler about the loan and asked what did I need to do? I was informed that I should continue to make my monthly payments until the loan is completely paid. I have continued to make payments and received a default letter on Saturday, XX/XX/XXXX, I received a default letter informing me that I must pay {$9500.00} by XX/XX/XXXX or face possible repossession of the car. I contacted Chrysler asking if I could continue to pay the monthly car payment and was told yes, but the car would eventually be repoed. I asked for a loan modification, but my request was denied. I asked again what are my options and I was not given any other option except to pay the balance in full or turn the vehicle in as a voluntary repossession or it would be repossessed involuntarily. There are currently about 17 payments left on the vehicle of which I was looking forward to completing as I continued to make payments. They have charged off on my credit over {$14000.00} and are not willing to resolve this fairly. It's showing charged off, but they continued to accept my monthly payments. Please advise.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I never gave Santander Consumer USA Authorization to put anything on my report. They reported to XXXX and XXXX. 15 US Code 1681 2 Exclusions ( B ) any authorization or approval of a specific extension of credit direct or indirectly by the issuer or a credit card or similar device. 15 US Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy. I have told santander to stop contacting me and they continued to contact me. Santander is also involved in a Car Loan Class Action Lawsuit. This is involved with litigation. I demand the accounts be removed from my report.
Company Response:
State: TN
Zip: 37207
Submitted Via: Web
Date Sent: 2021-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
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 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: 02302
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
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 sent a dispute to credit bureaus about a collection ( XXXX XXXX XXXX XXXX ) and I have not received a response back or any results. This charge off account is in litigation.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2020 my vehicle was secured by Santander Consumer USA. I contacted Santander Consumer USA on the next business day, Monday XX/XX/2020, and I requested to speak with a representative to surrender monies owed as I assumed this was the reason. The representative advised me that the vehicle was not collected due to late payments, but instead due to a recent death notification received from the Social Security Administration. The representative advised that I needed to complete the following steps to resolve the matter : -Make contact with the Social Security Administration , and request an erroneous letter validating my identity, and then have the information faxed to their legal team for further review. I explained that I was completely unware of this mistake, but I wanted to surrender monies owed on the vehicle as I had fallen behind due to unforeseen circumstances related to COVID. I made same day contact with the Social Security Administration, and I was advised that all services were delayed due to the pandemic, and their staff working remotely. To receive the erroneous letter I would have to first make an appointment with a manager on-site, and then validate my identity, but this could take a few weeks due to the ongoing pandemic. I called Santander Consumer USA, and made them aware of the new process considering the pandemic, but also to let them know Im working to have the matter resolved. I was advised that my account would be notated, and that once I was able to collect the information needed I would be able to retrieve the vehicle, and also handle other business matters related to the vehicle. For the following 2 weeks I called Santander and provided an update as it related to my appointment, and progress. Each instance I was advised that the account would be updated, and continue to keep them updated. At no point in time was I ever given a deadline to have this issues resolved. During my next interaction ( maybe week 3 or 4 ), I called to provide another status update, and as I begun to explain the reason for my call, the representative abruptly explained that the vehicle was collected due to late payments, and this made sense to me as I knew I was behind. I also mentioned that this was the first time this has been mentioned to myself over the last 3 weeks, and up until this point I was advised the vehicle was NOT collected due to non-payment, but instead due to the deceased notification. I attempted to understand what monies were owed on the account, including fees as I had the monies readily available to surrender, but she stated she could not speak with me as it related to the account until I could retrieve the letter. Again, no mention of a deadline as it related to this unusual instance. I was transferred to another representative in the deceased department, and after explaining my concern she assured me that the vehicle would not be sold, and that she could attempt to escalate my concern to her legal team, and explore other options related to verifying my identity with possibly a fax of my social security card, and/or ID. This request was later denied. The social security confirmed the mistake during my appointment on XX/XX/2020. The letter requested was then faxed to Santander consumer USA same day. I called to ensure the letter was received, and it was confirmed, however I was told to follow-up in a few days as their legal team had to review the documents. I followed up with Santander Consumer USA on XX/XX/2020, and the death notification was removed from my account. I then began to ask for the monies owed in an attempt to surrender, and I was advised by the representative that the vehicle was SOLD as of XX/XX/2020 to a public auction. During my various, consistent interactions with the company I was never warned that the vehicle was in jeopardy of being sold, or that the vehicle had been sold. I requested to speak with a manager, and he too advised that the loan should have been placed on hold, and should not have gone through regulatory proceedings until this matter was resolved. This was also a recorded call admitting to the internal process break. The manager stated that he would have to escalate the issue to his manager for further recourse, and advised that I would receive a call within the following business days. I never received a call. I opened a complaint with the Office of The President Santanders internal corporate escalation team, and Spoke with XXXX on XX/XX/2020. XXXX escalated the issue to his manager for further review. Additionally XXXX asked me to write-in in regards to the situation via email, and also highlight a fair resolution to the problem. Considering the vehicle was already sold, I simply requested that all monies previously paid on the vehicle be credited to a new vehicle. I followed up on Wednesday XX/XX/2020, and spoke with a member of office, and she explained that their legal team had reviewed the situation, and also located the vehicle with the auctioneer. They verified that the vehicle was not yet sold from the auction, and was making an attempt to retrieve the vehicle. After countless calls, and no returned phone calls from the organization I requested to speak with a manager within organization ( Office of The President ). The manager abruptly took the call, and lead by saying, Your vehicle was repossessed due to non-payment, and the vehicle has been sold, how can I help you? I explained the situation in grave detail, and she promised to follow-up on the next business day. When she called back the following day, she explained in short that there was nothing she could do, and that the vehicle was sold according my contract, and that I had violated the contract. I advised that I never received a phone call from the bank, an email, or a letter in-regards to the proceedings of the vehicle being sold. She focused on the fact that I was behind on payments, but I never attempted to dispute that with Santander, only to pay what I owed, and retrieve the vehicle. I also explained that I attempted to make a payment in XXXX via the online portal, but the portal was not giving me the option to do so because of the deceased notification that I wasnt aware of. Before I could make contact with the bank to understand why, the vehicle was secured. I begged, and pleaded for her to review the calls from my previous interactions but but she stated the notes were enough to conclude her decisions, and that this was the consensus across the board. How was this a fair conclusion considering none of the calls were reviewed, and she never validated the misinformation I was told. How can Santander, a bank of this magnitude uphold their employees not providing accurate information to educate the customer? She mentioned that I was mailed a letter in XXXX asking me to verify the notification, but it was discovered that Santander Consumer USA had the incorrect unit number for me, and therefore I never received it, or knew this was of concern. Furthermore, when I sign my contract, I listed several methods of contact, including my mailing address, cell phone number, and email. I never received a phone call from the company, nor email in regards to all things related. In my further attempt to have the calls reviewed, the Manager released the call abruptly, and never returned my call. Santander has a specific department that handles repossessions, and works with their customers to settle these type situations, and I was never given an opportunity to surrender the monies owed. While I understand they had to validate my identity, representatives from the company were given me very different reasons as to why it was initially secured, and refused to assist any further. At no point in time in my various conversations was I advised of a timeline to get this done, or the vehicle would be sold. I never had any intent to part way from vehicle. I dont understand why Ive been treated this way amid a pandemic. I am currently receiving phones calls from their debt department asking for {$5000.00} on a vehicle Ive only attempt to bring current.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I would greatly appreciate someones assistance in this matter. I purchased a XXXX XXXX XXXX in XXXX from XXXX XXXX in XXXX XXXX, TX and it was regrettably financed through Chrysler Capital. I have made several attempts since XXXX of XXXX to make contact with Chrysler Capital in regards to the real balance of {$480.00} that they show on my account with them but yet show a balance of {$680.00} on all of the credit reporting agencies. Neither XXXX of the amounts is correct and hasnt been since at least XX/XX/XXXX when Chrysler Capital cashed a check from XXXX XXXX in the amount of {$460.00}, the documentation regarding this check payment was provided to me by XXXX XXXX and is also attached. I recently disputed the Chrysler Capital account on my credit reports again & again it stated that it was valid. I have also attached message documentation that I sent on their account website. I have contacted them several times via phone and their internal messaging system since XX/XX/XXXX, as you will see on the message information that is attached, its the same message, over & over and when I call they always say that they have opened up a ticket and it could take up to XXXX hours for them to do their research. They had me fax over the documentation for Check # XXXX in the amount of {$460.00} from XXXX XXXX that they received and cashed on XX/XX/XXXX. This amount was never applied/posted to my account, they have confirmed that received my fax documentation from XXXX XXXX on XX/XX/XXXX, I have called at least once a week ever since then to be told every week that I call that the tickets were closed and they opened and submitted another XXXX. Look at the messages that I printed, as you will notice, they never called me much less replied to the message but the status is XXXX. Also, the balance that they show on my account right before my car was totaled out in an accident was {$20000.00} but the balance according to Chrysler Capital and my XXXX XXXX XXXX XXXX shows {$20000.00}. I am not sure why but using either XXXX of those balances, they were paid exactly {$20000.00} and I owe them Nothing, I have attached a spreadsheet to show you these numbers and all of the payments that were made to Chrysler Capital. I also attached my Transaction History from my online account, please take notice that all of my payments beginning in XX/XX/XXXX were on time and never late. I will be sending this documentation to all XXXX credit reporting agencies, I also found a Consumer Complaint agency on XXXX website along with the option to upload this documentation if I did not agree with the Dispute results. I will be sending this to the XXXX XXXX XXXX as well as contacting an Attorney about this matter, this is just flat out ridiculous and they have gotten away with this for almost XXXX years now.
Company Response:
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
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 all my credit report it has been well over XXXX days and I havent received any investigation results
Company Response:
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A