Date Received: 2021-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Santander Consumer USA at XXXX XXXX XXXX, XXXX, TX XXXX has been reporting false closed account information in the amount of XXXX {$9000.00} ) the collection has been reported as XXXX balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
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: Loan to Chrysler Capital was paid off in full {$31000.00} with checks ( {$30000.00} + {$1500.00} ) in USPS Tracking Number : XXXX - Your item was delivered at XXXXXX/XX/XXXX on XX/XX/XXXX in XXXX, TX XXXX to XX/XX/XXXX XXXX. The item was signed for by XXXX XXXX. on XX/XX/XXXX Chrysler still showed I owed {$1500.00} on the XXXX XXXX XXXX pickup truck. and have not released the Title to the new lienholder. My Check # XXXX for {$1500.00} has not cleared my bank to date XX/XX/XXXX, and Chrysler Capital is not planning to assist in locating the missing check, and offers no compensation to
Company Response:
State: WI
Zip: 53095
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Problem 1 : I am unable to get a letter confirming my car has been paid off. When I call I am left online pressing buttons and get caught up in a loop. Unable to speak with anyone. Problem 2 : Late payment incorrectly reported for XX/XX/2021 and XX/XX/2021. Problem 3 : The last statement online is showing that there is still a balance. This is incorrect. I need a statement showing this loan has been paid in full.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Ive detected ID Fraud. I noticed once I ran my credit to purchase a home and seen accounts that I did not open.
Company Response:
State: PA
Zip: 19133
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX we managed the refinancing of our vehicle, which was carried out without problem. The fact is that to date the credit bureau reflects as a balance owed twice the amount actually owed, thus doubling our debit balance, which is undoubtedly affecting us, since we are obtaining for the purchase of our home. We are urged that the credit bureau reflect the reality of the debt. We contacted Capital Chrysler who gave us the settlement and agreed to send it, but days go by and my score is not updated, which is affecting my conditions and financial viability for the credit we are looking for. I appreciate your help and attention
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I reached out to SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not authorize this, I've sent letters as well as called the company multiple times about it and i get hung up on. im highly upset that the pulled my credit without my authorization on XX/XX/XXXX
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hi, I was supposed to be a co-signer for my brothers car and I spoke with the lenders and the dealership to make sure that I was indeed the co-signer only and they assured me yes. So I started receiving bills showing that I was the owner and today I spoke with the representative and she stated to me because my credit was better they flipped it without my consent nor knowledge. This is a crime.
Company Response:
State: TX
Zip: 75501
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
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: Im writing to dispute the following negative items accounts that continue to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i would like to make a complaint about this debt collector santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX i have made a dispute since XXXX in the amount of XXXX $ i asked them to verify the validity of this debt they never send me a response back, i want them to remove me from they database and delete this debt because they couldn't provide me with a written verification of this debt.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I owed this debt a long time ago -- My name is XXXX XXXX I started this XXXX must of paid a few months the car broke down after I passed it on to someone else to take over payments the car broke down on him the car broke down completely was not able to be fixed so the car was re-possessed and it was sold at auction -- for whatever it was worth -- I am not able to pay for a car I don't have and I'm not going to be able to drive this was since right after XXXX must have been XXXX so this Santander is selling this debt to other companies to try to collect that have called me before- and everytime they try to collect they show up on my credit report now it shows up as a brand new bill as of XXXX it is not a new bill so everytime a new bill collector gets it I get so many points off on my credit score but it is the same bill-I don't think that is correct that the same collector every year or maybe half a year shall be taking points off my credit score just because one doesn't collect so they pass it on to someone else -- do you -- so more points comes off my report??
Company Response:
State: TX
Zip: 76901
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A