Date Received: 2021-02-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern, I have contacted you several times ; my first attempt being XX/XX/2020. I asked that you reinvestigate or delete disputes from my credit report. I have submitted a complaint where, you stated I was reaching out from a third party. This is to insure you that there is no third party submitting the complaint. I have yet to hear back from you, it has been longer than the thirty 30 day time frame. You have not complied with the law and responded to my initial letter on XX/XX/2020. I am demanding that the dispute is removed from my credit immediately, or I will unfortunately have to contact Federal Trade Commission about you lack to comply with consumer protection laws. Thank you in advance.
Company Response:
State: NJ
Zip: 07728
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Hello, I purchased a car in Alaska from XXXX ( which was the worst thing I could ever do ) and I was a first time car buyer at the time. The car that I purchased was a reasonable price and the monthly payments ( {$310.00} ) was also reasonable. What I was unaware of was the interest fees. I am in a simple interest loan with Chrysler Capital who is funded through Santander Consumer USA and was unaware that my interest rate was 29 %. Not only do I think that is unconstitutional but I am pretty sure the bank was aware that my credit score was not best. This bank ( Santander ) charges me XXXX dollars a day ( even though I making payments ) in INTEREST. I purchased the car on XXXX XXXX ( A month before the pandemic hit ) and had to stop working in XXXX due to feeling ill and being a XXXX XXXX XXXX XXXX. I was not comfortable with putting my clients at risk due to me not feeling well. I signed a contract with XXXX to give me an extension due to the executive order that was put in place. I was unaware that they would charge me {$8.00} a day for 5 month of me not being able to make my payments. Once they packed on all of these interest fees and I started working again, I had to pay off interest before those payments can start going towards my principle ( mind you I am still being charged {$8.00} a day ). This loan option shouldnt be acceptable and shouldnt even be practiced. My car payments will never decrease as long as I am being charged XXXX a day. After calculating my interest, Only {$73.00} is going towards my car while the majority of the money is going towards the interest. People buy cars to pay it off and not to be stuck paying more than what the car is worth. I could understand if they are charging me interest for every time I am late on a payment but to be charging me money everyday of interest for no reason other then to make money especially during a pandemic is unacceptable, especially a rate of 29 %. I truly believe there is some XXXX discrimination going on with this bank. They look for low credit, small income people like myself ( mostly minorities ) who need a vehicle to work and get us stuck into these horrible contracts without our knowledge. Everything is explained at the dealership, I read the documents but the way the salesman make it seem is NOTHING like how it is once you sign those contracts. There has to be a law where these big corporate businesses are not able to take advantage of consumers like myself. The interest fee alone is ridiculous and shouldnt be practiced. I am all caught up with my payments and interest but as everyday goes by the interest builds back up again. Majority of the money from my payments are going towards interest. Please help!
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Theres an inquiry on my consumer report from a company I do not recognize. I dont have an account with them under collection nor for review.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Brought the car in XX/XX/2026, placed XXXX down on the car that the dealership and bank stated was towards the car. The car was for originally $ XXXX. I paid Two payments of XXXX the same day i brought My car. Sadly two weeks later was t bone and the car written off for a value of {$10000.00}. My insurance insured the check to the bank but some how i owe XXXX which makes no sense as payments are {$270.00}. They close the account after several years of me disputing the information and now said it was repo when it was never repo it was salvage. I still Ended up paying the debt off as a repo kill my credit, but theyve yet to do as I was told my a rep a remove the charge off. They never tried to make me whole again after the wreck.
Company Response:
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In 2020 ( Complaint Number : XXXX ) was filed again Chrysler capital /Santander XXXX They replied back to the complaint saying the debt had been sold and CFPB just allowed for them to close it out. In the complaint I clearly indicated I received a notice from the Louisiana Attorney General indicating my car loan is involved in a litigation with Santander/ Chrysler Capital and that I should be receiving my settlement along with my car loan being canceled/ updated on my credit profile since the settlement I have not received either or. I continue to get the run around saying contact XXXXXX/XX/XXXX; contact my attorney General. I am in the process of purchasing a home & for the last 6 months XX/XX/XXXXhas been telling me to Chrysler capital is saying that the litigation is false & their reporting is verified on their end but when I call Im getting other news. Or Chrysler capital is not wanting to remove this and follow the settlement agreement. I want something in writing to go to my credit bureaus saying this needs to be removed & the ACCOUNT is in litigation. I dont believe this is fair. Santander is already being sued due to the illegal abuse of consumers & now I have to endure people for 6 months reading a scripted line or telling me to call here and there. Again this is affecting my ability to obtain credit and rebuild my credit properly.
Company Response:
State: LA
Zip: 70805
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: XXXX car dealership had me to sign a document that what I was told it for. I was told that the form was to be take the car off the lot. The sale person found out I was a XXXX and kept talking to ne getting me distracted. He also said he had to take my driver license and take picture to take car off lot. I did what I was asked to and now I suffered..
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX I contacted Santander Consumer USA via phone at XXXX to resolve and dispute a inquiry that I noticed on my credit reports dated XX/XX/XXXX. The representative who took the call is name XXXX Employee id # XXXX, she asked for my name and social in which i provided then she ask for the make, model and year of vehicle i was calling about and I stated to her that I was not calling about no vehicle because I dont have a vehicle with you all. I informed her that i was calling to dispute an unauthorized inquiry on my credit reports from this company. She then went over the debt collection disclaimer script and says that she a XXXX XXXX charged off on my record. I told her once again that I was not calling about no vehicle especially not that one because that vehicle was repossessed by them in XXXX and I have not contacted them every since or requested any new loans fromthem since XXXX. I asked her can she transfer me to the fraud department and then she puts me on hold. After being a hold for a few minutes she then states that they do not see a inquiry on my record and that i need to put a fraud alert on my credit report. I told her that I do have a fraud alert on my report i which i had it for 3-4 years now so that anytime my credit is being ran i am to be notified to verify that its me making the authorization. Well unfortunately I was never notified by Santander on XX/XX/XXXX that my credit was being ran by them and I havent even spoke with them to inquire about a new loan. She then tells me that theres nothing they can do too. So once again I asked her well can you transfer me to the department that handles new applications or inquiries on credit reports she says no she is the only department i can speak to. Then she also states that I need to contact the dealership so I asked what dealership am I supposed to contact if your company whose reporting on my credit report as an inquiry. I also stated thats why Im contacting your company to find out how, why and who made this inquiry and she says well theres nothing we can do. I told her that I already reached out to the credit bureaus and they told me that i needed to contact the creditor to dispute inquiry and now your telling me that theres nothing to do. So my complaint is that this company was unwilling to provide me information as to how to dispute and resolve a inquiry that was made from their company on my credit report and i was basically disregarded. This company already has very bad reviews on theXX/XX/XXXX and has recently settled a lawsuit with multiple states in the USA due to violations of fair lending practices in which i believe my charged off vehicle that i had with them is part of that settlement. Once again I just want to resolve this unauthorized inquiry and I will never contact this business for any loan products. Their reputation and trustworthy has already been tarnished across the country.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XXXX XXXX, there was a hard inquiry on my credit report for an auto loan that I was denied for.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The information reporting on my credit report is not reporting accurately. The information is erroneous and I have requested several times that the company report accurately.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A