Date Received: 2021-03-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: SANTANDER CONSUMER USA is reporting that I was late on 2 payments 2019. The first one that there are reporting is in XX/XX/2019. In XX/XX/2019 SANTANDER CONSUMER USA is reporting that i was 30 days late on a full payment which is {$400.00} The second payment SANTANDER CONSUMER USA is not reporting correctly in XXXX of XX/XX/2019 stating that i am 60 days behind. both are not correct. I have disputed the late payments with all 3 credit bureaus. Also, I have reached out to SANTANDER CONSUMER USA multiple times.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Per my previous complaint with Chrysler Capital, the major part of my complaint was not at a addressed. The company did NOT address my complaint that they reported late payments even though I inquired about and received payment deferral for XXXX and XXXX due to COVID.
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: went to buy a new car and the dealer sent to different banks for loans we didnt know about and affected our credit report didnt give them permission or they never told us going to do this
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
Company Response:
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: The NYS Attorney General has sent me here for this matter. In late XX/XX/XXXX, I went to a XXXX dealership in XXXX NY to apply for a loan on a XXXX XXXX XXXX. At first they stated that I was approved for payments around {$450.00} a month. then after agreeing they came back and said they made a mistake somewhere and my payments would actually be {$660.00} a month. I was a young and uneducated on certain laws and did not read the contract in full and singed a loan agreement with Santander Consumer USA. I fought tooth and nail with this sub-prime bank the entire time I had the loan. I was unable to make these ridiculous payments with an extremely high interest rate and began missing full payments. They would call my phone sometimes up to 5 times a day and harassing me about paying even when I explained I was at work, and would keep asking when I'd have the money and keep calling. For a while I was doing promise to pay where I told them I could say pay {$300.00} on this date, and I always kept my word. Eventually in early XXXX before Covid shutdowns and mask mandates began they used scare tactics and said someone is out looking to take my truck and asked me to just tell them where it is. I had asked if there was any way I could get assistance to move my late payments and fees to the end of the loan because there was no way I could pay it 100 % current, I would just continue to fall further behind. They said if I payed a certain amount that I could call and talk to the department that handles assistance. On XX/XX/XXXX I made a payment of {$660.00} dollars which I borrowed mostly from a family member to try to get current and on XX/XX/XXXX I payed {$580.00}, which both payments went directly into interest of the car and none on the principle which I saw on the statement online. When I spoke to the assistance department to see if there was anything I could do they said I did not qualify for any assistance and to make a full on time payment for XXXX and try again. This was very frustrating, because I would still remain delinquent for the same amount of time. Then I got a letter in the mail that was dated XX/XX/XXXX stating " Based upon review it appears we may have an assistance program available that may help you bring your account current '' This frustrated me even more considering how much I just paid and was told I don't qualify. From there Covid took it's toll and my pay was docked 15 %. I could certainly not afford the vehicle and began slowing down and limiting the payments. I made a {$350.00} dollar payment in May and a {$650.00} dollar payment in XXXX. Because Of Covid they could not repo. On XX/XX/XXXX my mother said people showed up to the house asking for me saying they were there to " serve me papers '' and harassed my mother to figure out where me and the truck were. She did not know. They somehow found out where my boyfriend lives ( I assume by asking police or a tracking device, I am unsure ). I saw them outside picking my truck up. About 2 weeks later I got the letter for how much I owed to get it back and couldn't afford it. They sold it at a private auction on XX/XX/XXXX and said my remaining balance was {$9900.00}. On XX/XX/XXXX I got a letter for a limited time settlement offer of {$3500.00} yet the the full balance changed to {$9900.00}. I did not have that kind of money and began looking into my legal rights and possible bankruptcy. They posted to the credit bureaus that the account was closed as a charge off on XX/XX/XXXX yet did not post it until they repossessed the car, so I was not aware of them closing my account when I was making payments to try to keep it in XXXX and XXXX. Even on their website it says " past due '' with my monthly payment amount. I came across their {$550.00} XXXX dollar lawsuit that I knew nothing about. I looked into if I qualified to get a 1099c, and based on their cut off date of XX/XX/XXXX I wouldn't. However in that lawsuit it said Santander used internal scores to approve people for loans with very high interest rates that they would most likely not be able to pay and would default on. As well as dealerships fudging income numbers and amount of bills. I strongly believe I was was wrongfully approved. They also have my name spelled wrong on everything which in turn put a wrong spelling ( other known as name XXXX on my credit reports which I am still working on getting deleted. I have been harassed and lied to by this bank.
Company Response:
State: NY
Zip: 12078
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is a complaint regarding Chrysler Capital. I leased a new vehicle in XXXX, paid the first months payment at the lease signing. I never received a bill for the 2nd payment but when they contacted me and I sent out a payment right away. Again I didn't receive a bill in XXXX and then sent in a double payment to cover 2 months. They claim they didn't receive it until weeks later and then proceeded to report a delinquent amount for the entire value of the lease ( {$21000.00} ) to the credit bureau, which has severely affected my credit. They themselves claim they have " no control over the U.S. Mail '' but then penalize me for receiving the payment check late. And they are reported the entire lease amount as delinquent even though the according to them I was only late 1 months payment AND the account was made current a mere week later than when the show the late payment due. They then reported to the credit bureau 2 weeks later, while my account has been fully current. And to preface all this, this is my 3rd vehicle lease with Chrysler Capital, I've never had a late payment in 6+ years of leasing through them. This a predatory practice and they are ruining my credit score even though I am just trying to pay them on time according to their bills.
Company Response:
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2020 and XX/XX/2020 I made two payments in the amount of XXXX dollars both of which are XXXX over the amount due. On XX/XX/2020 Santander Consumer USA reversed both of the payments in their system, and reported to my credit that I was 80 days past due, and the payments were still taken out of my account but showed as not payed in theirs. When In fact I was three payments ahead. I called them to report this error, They admitted they had made a mistake and said that making payments ahead had messed up their system, they corrected this problem after having to call in multiple times, and messing up my credit entirely. Since this incident I have made multiple big payments the last of which was XXXX dollars none of which went to principal as you can see in the statements connected. I have now paid well over XXXX dollars on an original loan of XXXX and my loan amount still states that I owe XXXX dollars with a pay off amount of XXXX. I have inquired multiple times about the " misc '' fees added to my account in which they can not explain. I have also requested all my statements and transaction history in which they state they only have until XXXX XXXX and can not give me any previous to 2020 since they only keep a years worth of records. Every time I call in to ask why my payment isn't being allocated as they have stated in each call they give excuses and I again verify how my next payment will be allocated and each time I am assured it will go to principal and it never does. I have recorded the calls with this company and each time and told something that completely contradicts the last. I have spoken to the executive office probably over 40 times in the last two years and each time am assured its going to change or be corrected and nothing ever is. Again I have been paying this loan for well over two years and have even made payments of a XXXX dollars and always pay more than is due. To date I have paid over XXXX dollars and still owe XXXX to pay off. How is this possible?
Company Response:
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
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 received any investigation results.
Company Response:
State: OH
Zip: 43609
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted Santander about this account. I have been disputing this account since XX/XX/XXXX. I have sent a total of 7 letters to the credit bureau 's disputing this account. I have sent debt validation letters to Santander and to XXXX XXXX XXXX XXXX XXXX XXXX. I have sent certified letters to XXXX on XX/XX/XXXX XXXX XXXX ) and they did not respond back to me in 30 days. So I sent another letter back out to them asking them for more verification about the debt on the account ( XXXX ). I was ask them for proper verification about the debt and they sent me a letter saying that they conducted an investigation, and was unable to substantiate the allegations in the dispute. I just received letters back from the credit bureaus on XX/XX/XXXX and I saw that updates was made. But, how was updates made and I been disputing this account since XX/XX/XXXX? They should'nt be making updates now bc I haven't asked them to update anything. I just don't understand how they can be updating this account. The credit bureaus should not be updating anything about this account.
Company Response:
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
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 received any investigation results.
Company Response:
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A