Date Received: 2021-03-01
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: Santander Consumer is reporting a debt on my credit file and it needs to be removed. I have been disputing this account and Santander keeps updating it and it is in violation. This account is not only past the statue in Utah but this is past the credit reporting limit in accordance to the FCRA guidelines!! It has been well over 7 years since I last made a payment and this must be removed immediately. You are in violation and this needs to be removed.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: XXXX i purchased a car XXXX XXXX, XXXX at 20.1 % total of 72 payments. i just found out my loan has matured in XX/XX/XXXX leaving a balance of XXXX. i made monthly payments XXXX monthly sometimes i even sent in extra money. for principle. I was told by loan company that i had to in full or car will be repo. I was forced to setup Modification at 17 % 18 payments of XXXX by the time i am done with this loan i paid for over XXXX the car is not even worth XXXX I have asked to have my account review for errors. they said they reviewed by file. i have asked for restitution, deficiency waiver or even forgiveness of the loan. I even ask how did I end up with a large amount? I am aware that a deferred 4 or 6 payments due employment and medical. I am aware i would have some kind small balance left They were not able to give me a answer. i know several people that use this company have run into same issues
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Chrysler Capital Accounts # XXXX This account has been paid and closed since 2019 but my XXXX report is still showing that it is open with a balance. How can this be? XXXX XXXX XXXX are reporting the account closed. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately!
Company Response:
State: CA
Zip: 91103
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Santander XXXX and class action settlement agreement. Haven't received any information on my individual account. They are currently tanking my credit and charging outrageous interest fees post-settlement. I'm currently being punished and retaliated against for my association in class action settlement. Santander is trying to force repossession after losing the lawsuit. My last payment of {$300.00} on a current loan solely went to interest and fees and my credit score has nose dived 50 points from XXXX, XXXX! They are trying to financially ruin me due to their unethical business practices. They reported me as paid on time in XXXX and XXXX throughout XXXX but actually my payments were missed 3 months in a row during that year. The settlement has become a punishment for me the consumer at this point because nobody will step in to look at my individual situation. Santander lost the suit and is now making it worse during a pandemic. I have made {$8000.00} in payments on an $ XXXX year loan but still showing a balance of over {$9000.00} and coming up on the last year of the loan. They also sold me a fraudulent warranty and the dealer misrepresented my income to get approval. My credit report is completely misrepresented by falsifying dates and extremely high-interest fees and penalties. My account is an exact model of the Santander class action settlement but nothing has been done. The current loan balance amount far exceeds the value of the car and is completely inaccurate to the amount paid to date on the vehicle
Company Response:
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
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: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
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: 15221
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I sent a certified letter to Santander Consumer USA requesting proof that all required noticed were properly and timely given and all of the allowable redemption and cure time limits were adhered to. I also requested proof the reprosession was legal and in accordance with UCC 9-56 Effect of errors or omission, 9-611 notification before disposition of collateral, 9-612 timeliness of notification before disposition of collateral, 9-613 contents and form of notification before disposition of collateral I requested copies of the legal notices and proof of the commercially reasonable manner of the notifications and resale of the vehicle. I stated in my letter if proof is not provided within 15 days from receipt of the certified letter Santander must remove the account from my credit report. I verified the letter was received on XX/XX/XXXX to this date I have not received any of the requested documents let alone a reply from santander continues to report this invalid claim on my credit reports and is in violation of the FCDPA and FCRA. I also sent a letter to all three credit bureaus XXXX, XXXX, and XXXX on XX/XX/XXXX advising them Santander is illegally reported on my credit report and I have formally disputed with Santander and have not received a reply. I only received a copy of my credit report.
Company Response:
State: AZ
Zip: 85233
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
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: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chrysler Capital/Santander locked me into a predatory loan. The dealer falsified my income and approved me for a payment I could not afford. I have had to use deferrals to delay payments when I fell on hard times. Unfortunately, Chrysler Capital still reported my payments as late to the credit bureaus. Their questionable lending and payment and reporting practices have lowered my credit score and are hindering my ability to buy my family a home. The recent lawsuit against Santander, including in my state of Illinois, for these very same practices only covers those who went into default or repo. I, however, will be looking into remedy for those of us who struggled to pay but did. I will also continue to fight Chrysler Capital on the reporting of late payments when I expressed to them a hardship, especially in XXXX in XXXX when I called about COVID relief, but also in XXXX when I asked about a deferral and other options. If Chrysler Capital does not remove these late payments, I will proceed with the next best options. It is time they are no longer allowed to contribute to the generational wealth gap and systemic inequities.
Company Response:
State: IL
Zip: 61822
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account was originally set up for and on behalf of XXXX and XXXX XXXX, my parents. I made a few payments on the Loan on my fathers behalf after my mother passed away in XXXX. However, I was never the owner of the vehicle. I did not enter into any contracts with Santander Consumer USA on my own behalf or as a guarantor for any other person. As such, the Account does not belong to me, has never belonged to me, and should not be reported on my credit report. On XX/XX/XXXX, my attorney submitted a request for validation and subsequent deletion of the account, to which Santander replied via letter dated XX/XX/XXXX that they needed more information to validate and verify. I had my attorney prepare an additional letter, dated XX/XX/XXXX, providing the information requested and again requesting the validation and deletion of the incorrect information from my credit report. Copies of all correspondence along with delivery receipts of such correspondence are attached hereto. As of the date of this complaint, Santander Consumer USA has not responded nor provided the required validation of the Account. Santander Consumer USAs continued reporting of this account on my credit report despite their refusal and inability to validate and verify the account is in direct violation of the FCRA. As such, I am filing this fraud complaint against Santander Consumer USA.
Company Response:
State: TX
Zip: 76082
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A