Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am eligible for payment from the Santander multi state settlement due to unfair business practices and also paid off the account I had with Santander. I received written correspondence from both the Attorney General regarding the payment that is due to me as well as a letter from Santander that states my debt was settled and paid in full. I have contacted XXXX, and XXXX several times providing this proof, however they refuse to correct my credit report and it is negatively impacting my credit worthiness. I have attached copies of the documents provided to all three credit bureaus and demand that my credit report be corrected immediately.
Company Response:
State: NC
Zip: 27455
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
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 haven't revived any investigation results.
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account with Santander on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The company verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed disputes on several different dates for Santander Consumer, XXXX, and XXXX XXXX card. These items were removed once before and now they reappeared on my report. Items are incorrect and talked to XXXX and they stated they will be removed again. Now items are keep updating to the current date. Items should have been removed and they are bringing my scores down tremendously.
Company Response:
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly. 15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine. *15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: There was a lawsuit against Santander Consumer for malpractice when it comes to giving out car loans, all consumers who met certain requirements were to have their balances forgiven, or to have their negative reporting in credit reports to be deleted. I was clearly within the requirements for this restitution ( with proof ) and never heard from them. I can also prove that I should not have even received this loan in the first place, as I did not meet requirements for the loan. I would like my charge off of the car loan taken off my credit report. There are many inconsistencies within my report and this loan. I have never received a copy of my loan application and disputed with the 3 credit bureaus.
Company Response:
State: ME
Zip: 04005
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, This complaint is regarding Santander Consumer USA and their Class Action Settlement for Predatory Lending with Multiple States last year in XXXX. Within this settlement, it states that Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. This auto loan has caused significant damage to my life, living situation and being able to take care of my children. Although I've received communication from Santander that I am included in the settlement, Santander continues to report harmful inaccuracies to my XXXX and XXXX credit reports. Santander still calls to collect on the debt that they report as charged off and late every month. Santander took advantage of my desperation and ignored the debt to income ratio locking me in an upside down loan from the start. I'm suspicious that the dealer may have potentially manipulated my application unknown to me. Putting me in this horrible situation. Now this has been 4 years of not being able to get credit, a home or progress so my children can have a better life. I am in college and working towards a better life and this is severly affecting my small family. XXXX and XXXX are both reporting completey different things for the Santander USA account. It's harmful and defamatory to my credit profile. I have reached out to Santander several times with no resolution from them. They report different names for original creditor, dates and most of the information. They report that the account is charged off and report late payments every month. Life is HARD when you can't get basic credit. The only fair resolution is for Santander do what they agreed which is to relive the loan and the Santander USA account be deleted from all the credit agencies and bureaus. I also ask that all collection efforts cease and this account not be sold or transferred to any other collection agencies or debt buyers. Thank you in advance for your timely assistance in this matter.
Company Response:
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I XXXX XXXX XXXX have been dealing with this debt collector for a few months now and they continue to violate the statutes I have listed below. 15 US code 1681a # 4 - respect the consumers right to privacy, these companies have infringed my right to privacy after explaining to them that is not my debt they continue to update my credit report monthly. 15 US code 1692a- The term debt means any obligation or alleged obligation, i have explained to this company that this debt is not mine. *15 USC 1692f- Communicating with a consumer regarding a debt by post card, post card in others words means to bring notice or attention to the public ( credit report ).
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been having problems with Santanders USA for awhile now. From missing payments to over charging to not receiving documents to sign at the beginning of the loan. I have sent out and contacted Santander on multiple occasions in regards to this matter. Last one being XX/XX/XXXX by certified mail disputing the account payment history, amount owed as well as the validity of the loan. I sent several emails and called Santander in an effort to get this matter resolved. Around XXXX of XXXX I received a document stating that I was entitled to one or more compensation from Santander due to the lawsuit that was filed by 39 states AG offices. Shortly after that my account was closed. I then contacted Michigans Attorneys Generals office and was told to go to a website that would explain what I was entitled to. According to the website I am entitled to a monetary amount and since my account was closed I was also entitled to Loan forgiveness and Santander was suppose to send me the title to my vehicle, wipe off all negative reporting on all three credit bureaus etc. Once again I reached out to Santanders and was told that my documents I received from the AG office was fake and that there was no settlement reached. Santanders received my certified letter with return receipt requested on XX/XX/XXXX. XX/XX/XXXX they had my vehicle repossessed. I received nothing back from Santander regarding the certified dispute letter sent to them. This company has violated my rights on more than one occasion and have not been held accountable nor responsible for any of there illegal acts. Pursuant to the lawsuit that was filed by 34 Attorney Generals Santander is not suppose to be repossessing any vehicle involved with this lawsuit. Santanders need to be held accountable for their actions on all fronts. By repossessing my vehicle without settling the dispute is a violation of the consumers rights as well as them not honor the settlement agreement they made with the 34 states. See Santanders lawsuit.
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: Went to a XXXX XXXX because we needed a reliable vehicle after filing out the credit application online that they provide thru the dealer website. We get there and find a vehicle of interest and agree to proceed with purchase. So we sat there for 4 hours waiting for finance manager to talk to us, when he finally does, its a hour after the business hours now and they should be closed. So he shows me what the monthly payment would be considering credit score and it was acceptable. But then never went over anything else like amount of months of loan, percent of financing ect.,, So I assumed that it was the numbers from the preapproval but after getting home a hour later and looking at the paperwork, the financed percent was 19 % not 9.84 % and the amount of months was 72 not 60. And the worst part was that I was financing {$13000.00} and it said I would have to pay {$28000.00} total after financing. Not to mention I put {$5800.00} cash down!. There is no way they can get away with what just happened. How does a single mother of 2 afford such a thing and why is none of this overlooked by government/state.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A