Date Received: 2021-02-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The auto loan was started XX/XX/XXXX the auto was totaled in XXXX XXXX in XX/XX/XXXX payments were made XXXX a month for six months to Santander during the time of having truck - XXXX XXXX and XXXX {$24000.00} ( waiting on statement from XXXX ) on the loan to Santander and I also did not get refunded for all the warranty side purchase on the loan of XXXX for a service contract service contract XXXX for theft protection. I verified with XXXX that this extra warranty purchase on the truck was refunded to Santander with my salesman XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. Santander was paid more during the 6 months I had the truck than the original loan amount on XX/XX/XXXX. There is no prepayment penalty for my loan verify with consumer Santander is paid in full and Im waiting on reimbursement on my warranty that they took on the loan provided by XXXX and the during of six months considering the loan was only XXXX and theyre still trying to get XXXX from me.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: I purchased this vehicle in XXXX of 2015. I was only employed by my job for 3 months. For some reason I don't qualify for the settlement even though I've paid more than XXXX on a vehicle I financed for XXXX. The interest rate is over 26 %. I have struggled to make my payments on time. This company refuses to let me see my internal score and has constantly participated in predatory lending to others. I would like to know why I don't qualify for this lawsuit when they didn't even take the proper steps to validate my information before providing me this vehicle loan.
Company Response:
State: LA
Zip: 70506
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Getting a loan or lease
Subissue: Problem with a trade-in
Consumer Complaint: Loan is # XXXX I drove into the dealership with my XXXX XXXX in immaculate working condition. The interior needed a little TLC however, there were no mechanical issues. I was shown a XXXX XXXX XXXX listing price $ XXXXShortly after, the gentleman who showed me the car sat me down with the finance guy. Who stated after taxes and interest the price will be {$24000.00} I told him I will NOT be able to afford it. He stated after trading in your XXXX XXXX the price will go down. There were blank spaces on the contact, which I was told NOT to worry about, because it will be filled in later. After trading in my XXXX the price actually went up to appx {$32000.00}. The guy said dont worry when we trade in your XXXX the price will go down ( he reiterated XXXX. He continued to say In addition, youre paying it over a period of time so your payments wont be that much ... After being manipulated, I fell for the deal ; and was badly taken advantage of. I spoke with my childrens father and he told me I have been robbed, and to take the XXXX back, and ask for my car. I took the car back and requested out of the deal, and ask him to please return my XXXX. He replied, its gone!? Mind you only 3days went by. Moreover, the luxury features promised to me were not working i.e. the XXXX Cue and the memory seat button.. on XX/XX/XXXX I learned through one of Santander/Chrysler Capital manager, mister XXXX that im included in the $ XXXX Multi state class action settlement. So far I have paid out Approximately {$7000.00} ... Moreover, My XXXX XXXX valued at {$8200.00} at the time. However, I was supposed to be giving a {$3500.00} trade in value instead, which was never placed towards my financing. Nor, did I receive cash or check in said amount. Now, there is a current loan balance of approximately, {$17000.00} which totals up to approximately {$32000.00}. After adding up my trade in, and all the monies I paid out plus my XXXX. Numbers DO NOT LIE! In addition, many other representatives at Santander/Chrysler Capital as well as XXXX XXXX ; have ALSO Confirmed on a recorded conversation that I am included in the {$550.00} million settlement. I am a victim of predatory lending, and Santander Chrysler Capital continues to victimize me. Settlement link below.. Www.santandermultistateagsettlement.com Santander/Chrysler Capital are going against a court order as my loan was settled through litigations.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed this alleged repo with Santander and sent my dispute through the USPS Postal Service certified mail on " XX/XX/2021 '' and received no response this is a violation under the " Fair Debt Collection Practices Act '' Although they ( Santander ) did indeed sign for my dispute letter.
Company Response:
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Couldnt pay the loan due to COVID-19 got layed off
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Santander Lawsuit for faulty loans! They need to be prosecuted and pay up for all the credit damage and loan that still hasn't been paid off!!
Company Response:
State: CA
Zip: 95966
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: I have tried to resolve this problem with Santander/Chrysler Capital-as this account was to be deleted from my credit report due to the nature and the tactics of how they unlawfully repossessed the vehicle and due to the nature of the lawsuit that the company has been pursued against the company. I have contacted the company and the attorney general and the company even produced the paper work with the incorrect information to the attorney general. Inaccuracies are continuously being reported to the credit bureaus and the company keeps verifying and updating incorrect information. In the State of NC you are supposed to receive a notice of right to cure Santander/Chrysler Capital intentionally put the incorrect address on the letter, on the explanation of calculation of surplus or deficiency they only sent it to the co-borrower and not to the buyer/borrower. They are they are listing several different account numbers for my account, on my credit reports the account numbers are ending with XXXX on the statement sent to the attorney generals office the account number is ending with XXXX, I am confused with this account. Page 4-Explanation of Calculation of Surplus or Deficiency- was only mailed to Mr. XXXX XXXX which is the Co-Borrower ( XXXX XXXX did not receive a copy of this form ) Page 7- Notice of Right to Cure-Mandatory Form- Santander/Chrysler Capital-intentionally listed XXXX XXXX 's address as the same as XXXX XXXX 's address when this has never been XXXX XXXX 's known address. or has never been an address they had for XXXX XXXX on file, as you can see on page XXXX, they listed XXXX XXXX 's address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, her known address on file.
Company Response:
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I would like to make a " goodwill request '' to have some or all of those late payments removed from my credit. I look forward to continuing to do business with your company, and I ask for you to please eliminate those late payments with the credit bureaus by filling out the " Universal Data Form '' and faxing it to the credit bureaus that you report to. I really do hope you can help me out, it would mean the world to me and will help me qualify for a loan I need. This is regarding account :
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander, XXXX XXXX , XXXX, and the Credit Reporting Agencies Took out a loan with Santander for a vehicle in XXXX of XXXX. I defaulted on the loan and was late several times. My credit and finances were very poor at the start of the loan, and I struggled to keep up with payments throughout the time I had the car. I called the lender ( Santander ) several times throughout the possession of the car and they allowed me to " defer payments '' to the end of the loan without truly informing me of the future financial detriment that would cause, nor did they simply inform me of the implications of the deferments at all. Ultimately, I was unable to keep up with the extremely high car payments of nearly {$600.00} a month with an astronomical interest rate and was left to come out from work to being without a vehicle after an unwitnessed repossession of my vehicle. Following the repo, I was sent several letters by Santander stating the car had been auctioned and that I was still financially responsible for the difference. In XXXX of XXXX, I was made aware only through various social media platforms that there had been a " COALITION OF 34 STATE ATTORNEYS GENERAL SETTLEMENT WITH SANTANDER CONSUMER USA '' in which I have always been a resident of one of the states included. In doing thorough research on the settlement, I recognized that I visibly fell within all the criteria to be a recipient of the settlement relief. I resided in a qualifying state at the time of the loan and still do ; my credit score was very subpar upon being approved for the loan ; I fell behind on months of payments during several periods within my possession of the car ; and I had the car repossessed after several years with the loan during a long-term loan agreement with the lender. The following are the criteria which I meet, but still somehow have not received ANY resolution or relief, per the settlement outline on XXXX XXXX XXXX Consumers may be eligible for the following types of relief : 1. Restitution : Santander must pay {$65.00} XXXX in restitution to be divided amongst the 33 states and the District of Columbia. Over 265,000 consumers across the settlement states will be eligible for this restitution. a. Who qualifies? You must have a gotten a loan with Santander between XX/XX/XXXX and XX/XX/XXXX and Santander must have given you a certain internal score at the time you got the loan. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. This is why consumers will have to wait for notice from the settlement administrator. b. How much will restitution be per consumer? i. The final restitution amount per consumer is not yet known, but the amount will be at least {$220.00} per consumer. c. When can I expect restitution? i. We do not yet have a date certain by which eligible consumers can expect a notice from the settlement administrator. Please check this website for updates. 2. Deficiency Waivers : Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers credit reports. As with restitution, consumers who qualify for this relief will have to have had a certain internal score given to them by Santander at the time they got their loans. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. Consumers who qualify for this relief will receive notice directly from Santander, and not the settlement administrator. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a Deficiency Waiver ; and c. You had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. 3. Loan Forgiveness and Car Title : For certain consumers, Santander sent the consumer title to the car and forgave the balance of the loan. Santander did this until the value of the total amount of loan forgiveness across the participating states reached {$45.00} XXXX. Santander will also request that the loans be removed from consumers credit reports. If you qualified for this relief, you should have received notice from Santander in XX/XX/XXXX. The consumers who qualified for this relief : a. Defaulted on the loan but the vehicle was not repossessed ; and b. Had a certain internal score. Consumers will NOT know their own internal score. Additionally, neither states nor the settlement administrator know consumers internal scores. Despite this, I never received a postcard stating I was qualified to be a part of the dispersion of settlement relief. I was hoping to be free financially and mentally from the burden of having been a client of Santander, and I kept reading on the Settlement website for consumers that postcards had been mailed out in XXXX, and that they may take time to be delivered. I have never received mine. In XX/XX/XXXX through XX/XX/XXXX, I have contacted several entities about my eligibility. I first contacted XXXX XXXX, XXXX the handler of the settlement, several times in XXXX and XXXX of XXXX to assure myself that I was indeed a recipient of relief and that perhaps they didnt have my correct information to mail me the appropriate postcard of eligibility. I spoke to several people who I gave three possible addresses to that could have been on file at the time my loan was active with Santander. Several times I called back, thinking the last rep may have misspelled my name or address or created other errors in looking me up. None of them could find my name in their system. They instructed me to reach out to Santander directly. I then called Santander, who immediately notified me of my current outstanding debt, and asked how I would like to take care of it. I informed them I would like information on my eligibility in the settlement, and they then said they had no knowledge of that information or who could give it to me. I deferred back to the Attorney General in my state, and spoke with someone at the Attorney Generals Press Department, and then to another gentleman who instructed me to email the AG directly at XXXX XXXX XXXX ( my state ) .gov, informing them that I am a victim of Santander and their predatory sales practices. I received a very generic response basically stating the same information given to me by every representative I had spoken to by phone, with no offering of assistance or resolution. Regarding the information being continually reported on my credit reports, there are SO MANY issues to outline. Please keep this in mind : I was successfully able to dispute the account from Santander off of my XXXX credit report on XX/XX/XXXX after learning from other consumers how to do so, with no guidance from the agencies actually involved. However, for some reason, the other two major bureaus XXXX and XXXX continually report the account as Verified as Accurate every time I dispute the account as invalid due to the litigation, which is the same factual basis I used to successfully get the account off of my XXXX report. In making several secondary attempts at disputing the account for deletion, I was told on the phone by XXXX that they do not use other bureaus results to remove or verify information, although I have been made aware that credit reporting of an account has to be uniform in order to be considered accurate. In accordance with the FCRA, if an item is reported differently or inaccurately on even one bureau report, the information is considered invalid and must be deleted. These other two major bureaus report differing dates of delinquencies, and contradictory time frames and years of the 30, 60, and 90-day late periods, conflicting the actual dates/years I was late. I have also logged into my still active online account with Santander, and it shows I have a current payment due as of XX/XX/XXXX, although they report the account charged off as of XXXX. There are monthly scheduled payments being falsely reported on my XXXX report, which I have NEVER agreed to with Santander ; I have never scheduled payments or amounts to be paid with them. Since XXXX found validity in deleting the account, I submitted copies of the deletion to both other bureaus, expecting them to utilize the evidence to support the deletions on their end, but they will not. All they continue to do is update the account with a statement : Litigation pending despite several attempts at removing it.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Every loan payment made with Santander Consumer for my used vehicle is going toward interest. NOT XXXX XXXX HAS GONE TOWARD THE PRINCIPAL. I have asked for a copy of my contract via a customer service rep and still have not received a copy.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A