Date Received: 2021-03-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander is reporting inaccurate and incomplete data on my XXXX and XXXX reports. I disputed with them as part of the XX/XX/XXXX Class Action Lawsuit to get the account deleted. However they never responded to my certified letter that was received by them on XX/XX/XXXX. I also disputed on XX/XX/XXXX via recorded phone call and was told the account was not being serviced by them since XXXX. I asked for the documents regarding a repossession that's showing on the account and was told they were being sent to me. As of today, I have not received anything, nor is the account showing disputed by Consumer yet it shows date last reported on my XXXX credit report as XX/XX/XXXX. Santander is providing incorrect data on my reports despite several attempts to have it corrected and or deleted. I also disputed with XXXX XXXX on XX/XX/XXXX and was received by XXXX on XX/XX/XXXX. No response to date. on XX/XX/XXXX I contacted XXXX via recorded phone call and was told they no longer service the account and was outsourced to XXXX XXXX XXXX, but XXXX XXXX XXXX is the collection agency handling requests. I asked again for the documents related to the repossession showing on my report and was told they were being requested. this seems very very shady to meXXXX five companies associated with one account? No wonder the data is inaccurate.
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
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: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: CFPB are you on the consumer side or the big bank side I am writing about the Santanderr Usa response how long is this staying on my credit when XXXX isn't on my credit report it's been add 2017 what another 4 more years, so iam the only in America that has a repo on there credit report so is this a life situation. I thought after 7 years it will be off so I got to go thru another 3 years starting from 2017? That is bull ....
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX and XXXX the car dealer shared my information with nine creditors without my consent. I never authorized chrysler to pull my creditl
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
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: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 1. XXXX XXXX 2. XXXX CHRYSLER XXXX VIA XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX VIA XXXX XXXX I've reached out to XXXX and XXXX about the inquires they had me reach out to the companies and none of them responded. These inquires are unathorized.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My name is XXXX XXXX XXXX on XX/XX/XXXX my 2019 XXXX XXXX XXXX was repossessed I call Chrysler Capital the finance company who have the account I was told that I would have to pay the hold balance out to retain my vehicle. In 2019 I had XXXX XXXX XXXX and have had a lot of complications from the XXXX. That is how I got behind in my payments My wife was also out of work do to the pandemic I have tried to reach out to Chrysler Capital but they continue to tell me I have to pay out the entire balance due and that it had to pay by XXXX XXXXThis is the first time this vehicle have been repossessed if you can help please call me at ( XXXX ) XXXX
Company Response:
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following are my complaints to these companies that pulled my credit report without my knowledge and authorization : 1. XXXX XXXX XXXXXXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Tel # XXXX. I called this company and i was told to call the dealership that submitted my information to them, and XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX TX XXXX Tel. # XXXX, said they did not submit inquiries any other dates other than when i purchased a used car from them on XX/XX/XXXX. 2. SANTANDER/Chrysler Capital - Inquired XX/XX/XXXX P.O. XXXX XXXX XXXX, TX XXXX. Tel # XXXX. This is the same case as XXXX XXXX XXXXXXXX, complaint # 2 they did not want to do anything to assist me and was told that it was submitted by the same dealership mention in # XXXX XXXX XXXX XXXX. 3. XXXXXXXX XXXX, XXXX - Inquired XX/XX/XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX Tel. # XXXX. I did not apply any credit card with XXXXXXXX XXXX XXXX on this date the credit card i have with XXXXXXXX XXXX was issued XXXX of XXXX. I called them but they're very rude and not willing to help. 4. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Tel. # XXXX. They said its Real Estate on behalf of XXXX XXXX. I did not apply for any real estate loan then or now and anytime soon. 5. XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( no tel. number given ) This company I have called several times and have not and is not willing to take down this inquiry. They said that they receive an application through their website and i told them I did not apply for any auto loan with them because if i have to go through a bank i will go to my bank first, I had my XXXX XXXX XXXX at the time and did not My recent auto loan was XX/XX/XXXX. 6. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. I have a XXXX XXXX XXXX credit card that has {$5000.00} credit limit and is locked, this inquiry is unauthorized. 7. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Same company with complaint # 6 who ran my credit again twice on the same month. I already have my XXXX XXXX credit card that has a {$5000.00} limit on it that i don't even use. I had this credit card since XXXX. 8. XXXX XXXX - Inquired XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX Tel. # XXXX XXXX. Just like with my # 6-7 complaint, the same credit card company but with different PO Box number, in a matter of three months they ran my credit again for no reason. 9. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Tel. # XXXX. This company did not report that the auto loan has been fully paid in just three months that my husband and i made a purchased of used car, and it's still on my credit. 10. XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Tel. # XXXX. The same company as complaint # 9, they ran my credit two different times without authorization, and auto loan has been fully paid the same year, just in a matter of three months from purchasing one used vehicle.
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2020, my car was stolen. I reported it stolen to the police & have been trying to obtain the police report since. I have let Santander and my gap insurance know this. XXXX has payed {$10000.00}, their portion toward the car. The gap insurance says that they need the police report to pay for the other {$4000.00} ; however, before I could get the police report the car was placed negatively on my credit. I have been trying to obtain a police report, but due to Covid, XXXX City Hall is closed. The gap insurance refuses to take the information to obtain the police report themselves.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I have finished paying my car loan with Gateway One Lending and Finance ( a XXXXXX/XX/XXXXcompany ) back in 2017. Gateway One Lending and Finance went out of business, and Santandar Bank bought them. Santander claims they do not have the lien of my car. I spoke to DMV - they state that they never received a notification from neither bank confirming my car loan was paid - DMV needs a lien release from Santander. This is done electronically. I am attaching two documents to prove I paid my car off.
Company Response:
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A