Date Received: 2021-03-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: To my surprise I found out that I stilled owed as much as I did when i bought the car. My insurance company is paying XXXX to Santander and they say I still owe them XXXX. First of all they gave me the loan frauduently as well as reported to the credit bureau 5 late payments in a row which is not true. I called and made arrangments on onXXXX late payment and they agreed and I followed through. That inaccuracy cost me a XXXX job. i called and explained it to them only to be told I would have to fix their mistake too all three Credit bureaus which takes atleast 30 days, I paid XXXX for for 3 years and still owe as much as when ipurchased the car, Also the co signor on my car XXXX XXXX over a year ago and i contacted them and they did nothing to remove her which causes me problems every time I get car tgs because has to be cleatanve on past due taxes and its hard for her to pay taxed when she is dead and yet they put me through it. At the time of loan i was told that I would have gap and warranty coverage which i paid for but they said it was added. I feel like they are getting XXXX from insurance and my 3 years of payng XXXX a month that should cover XXXX dollor loan. instead they are asking me to pat an additional XXXX after the insurance pays them. I was a candidate for the lawsuit nut i choose to pay my payments and carry on. I was lied too assaulted by false cedit information and fraud loan. I cant talk with anyone at Santander because the customer service people whom i cant understand will not give a phone number for help, Please see if there is any possible thing i can do to avoid giving them another dime. Thank You XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72206
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I had my car finance with Santander and recently had my car repossessed after attempting payments that were rejected. According to them they were having problems with the auto pay option I had chosen, and hadn't notified me that they were not receiving my payments after a year and a half of on time payment history. When my health starting declining I would inform someone from customer service that I would need an extension on my payment or payment plans to accommodate me until I would be able to get my health on track as well as showing medical documentation to proof my medical history. Recently, there's been lawsuits and settlement claims from plenty of other customer with similar history with Santander.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX, I opened an account with Santander Auto Loans for a used ( XXXX XXXX XXXX XXXX. I have payed my loan as agreed since the day the loan was opened. In XX/XX/XXXX, I noticed that they kept reporting that I was behind on my statement that came through the mail. I called and asked why they were stating that I was behind and they stated that it was error and the system had issues reporting. I asked would this affect my credit and I was told it would not. Well this continued so I called again XXXX XXXX XXXX with my wife ( who handles our finances XXXX, and they stated that they could not speak with her although I gave them permission. I tried to explain again and we went through the account and the CSR could not find an error and stated that he would forward it to another department and asked if we could send our records to them. We faxed our records the next day and received confirmation that it had been received. Months went on and this was still not corrected so we called back in XXXX stating that they did not receive a payment XX/XX/XXXX. We explained that the payment was made XX/XX/XXXX and they said they would fix it. They did not but it was still not affecting my credit. In XX/XX/XXXX we got the same explanation about they had not received our payment from XX/XX/XXXX and we disputed it and they said it would be handled by a manager. I applied for a loan XX/XX/XXXX and I was declined stating that I had three late payments on my credit report from Santander and I called this morning ( spoke with XXXX-mgr ) and they said it was from XX/XX/XXXX. Again, this is not correct. They never called us back and they never contacted me at all by phone about my late status. I was never late. My due date is the XXXX of the month and the state of TN ( which was verified by Santander XXXX gives ten days after the due date to get your payment to them. We always pay through XXXX XXXX using an e-check. I want my credit corrected and I want this company to stop antagonizing people whom they believe, do not have the sense to keep tabs on their credit. Please stop this practice. Thank you XXXX XXXX XXXX https : //santanderconsumerusa.com
Company Response:
State: TN
Zip: 38301
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: An agency tried to contact us claiming that a lawsuit was attempted to be filed against me. They claimed that they could not locate me when I have been living at the address for 20 years. I contacted the company who has paperwork with Santander XXXX XXXX and stated that it was for a car, XXXX XXXX XXXX that was repossessed in XXXX. They put it on me and my daughter 's credit report, and when my daughter filed bankruptcy in XXXX it was removed. Now due to the statute of limitations, they are starting to harass me and my daughter claiming documents were sent to my home to mediate and resolve the matter. I told them I have no documents as such, and that what they are doing is illegal when my daughter has filed bankruptcy ( Chapter XXXX ). I asked for them to resend it, but they hung up on me.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: Predatory and deceptive lending and inaccurate reporting to credit bureau plus add on to loan.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debit was paid 2 years ago and the account is reporting as a negative. It is affecting my credit score as they told me that this is would pay for deletion. I have try to resolve this matter only to be ignored.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A