Date Received: 2021-02-19
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: In attempt to pay my vehicle off earlier without being hit with interest each time I would add additional monies to my regular monthly payment and on at least two occasions I sent an additional regular monthly payment only to learn the company was hitting me with interest on every single payment. Upon learning this I reach out to the company and ask what can I do to prevent from getting charged additional interest. I was informed by several agents that I must submit the extra monies on the same day as I send my regular scheduled payment, ok. Where the problem come in is for my XXXX note I call myself being proactive and paying my regular schedule payment one day early and then I sent another monthly payment the very next day. only to learn later the company took interest from both payments submitted. When I reach out to the company to learn why they charge me interest both times they said because I did not send both payments at the same time. As a consumer I pride myself on doing the right thing by making timely payments and sending extra therefore, I should not be penalized for sending extra payments in early or even if I send the extra payments a day or two later. I did receive a call from the Executive Office on XX/XX/21 but did not get anything accomplished because the female answering the phone said she was calling regarding a complaint I submitted to the company via email.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: although i bagan this complaint about SANTANDER, s company who is harassing me, the root issue is that I am not allowed access to my credit files. XXXX, XXXX, XXXX have been off limits to me for four years. nobody will believe me, nobody will help me. my credit score, meanwhile, has plunged from XXXX down to XXXX becaue i am not able to maintain accurate, honest records any longer. i want the credit file to reflect that score of XXXX at the very least, if not receive monetary compensation for the XXXX this has caused me.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I wrote a letter to Santander disputing my DOFD. I have been disputing inaccurate information such as DOFD, Balance, amount due, and the age of this tradeline being over 7 years old from DOFD, as well as no investigation or attempt to correct data it is STILL reporting to the CRA 's. I received a letter from Santander on the XXXX of XX/XX/XXXX, stating the information was accurate and verified. I have also disuputed the information with the CRA 's directly, neither XXXX XXXX or XXXX have removed the inaccurate information and are STILL currently reporting inaccurate data which is blatant and inconsistent. I have filed a complaint with MA AGO on XX/XX/XXXX. My letter to Santander stated : Dear Santander Consumer USA, I am writing to dispute the following information that appears on my XXXX consumer report : Date of First Delinquency : XX/XX/XXXX. The XXXX credit report dated XX/XX/XXXX, and the Credit file dated XX/XX/XXXX are both reporting Date of First Delinquency as XX/XX/XXXX, this is inaccurate information. The Correct Date of XXXX XXXX is XX/XX/XXXX. On XX/XX/XXXX I became 31 days past due on my Retail Installment Sale Contract, this marks my Date of First Delinquency. My retail installment Sale Contract signed XX/XX/XXXX notes my first payment due of {$410.00} beginning XX/XX/XXXX and recurring monthly. I was delinquent on my first payment, not issuing payment on the agreed upon XX/XX/XXXX date, first payment was made XX/XX/XXXX. On XX/XX/XXXX I was issued a late payment fee of {$5.00}. I have enclosed my Transaction history, retail contract, and bank statement to verify that my Date of First Delinquency is XX/XX/XXXX. Also, I have confirmed my date of First Delinquency with XXXX, Employee ID XXXX in Loss & Recovery via a phone conversation on XX/XX/XXXX at XXXX ( duration of phone call 27 minutes ). XXXX Confirmed that on XX/XX/XXXX, my account was 31 days past due. I have attached a copy of my XXXX Credit file and credit summary, that contain the inaccurate information. I am requesting Santander Consumer USA report the true and accurate Date of First Delinquency of XX/XX/XXXX to XXXX XXXX, and XXXX ... .. '' I was advised by a counselor at XXXX XXXX XXXX to choose one specific violation i.e. DOFD that was easily proven incorrect. I have tried to dispute this at the community level, and state level to no avail and I am hoping the CFPB will aide me in amy efforts to be free of this actively on-going harm I am caused by Santander Consumer USA.
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
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: In reviewing the provided XXXX credit Report forwarded to me furnished by XXXX dated XX/XX/XXXX ; when concerning Santander Consumer USA, it is clear the data is inaccurate and holds discrepancies. The report lists the date of first delinquency as XX/XX/XXXX. In comparison to the XXXX Credit report pulled XX/XX/XXXX the first date of delinquency is XX/XX/XXXX. Moreover, as seen in the billing documents provided to me directly from Santander CONSUMER USA, the date of first delinquency is listed as XX/XX/XXXX. Though Ive furnished these documents in several occasions XXXX refuses to properly update and remove the inaccuracies although they are aware the credit age exceeds 7 years and have also been advised the car was stolen in XX/XX/XXXX shortly following the primary account holders ( my brothers ) diagnosed XXXX XXXX. When speaking with an XXXX customer care rep XX/XX/XXXX I requested the date when the date of first delinquency was altered as I previously recalled the account being reported prior to XXXX. I was advised the representative could not access my earlier historical payment history as all creditors/lenders reportings automatically roll off a credit file after 7 years. However based on the provided credit reports XXXX managed to remove 2 years of credit history in roughly 9 months and is clearly being dishonest about having accessing to prior account information. I co-signed on a vehicle financed by Santander in XX/XX/XXXX. Unfortunately my brother XXXX, the primary owner was admitted to a XXXX institution following our little brothers XXXX. During the time I was the resident of a XXXX treatment center and my brothers vehicle was stolen. My family was distressed by the sequential tragedies between myself, and my XXXX brother. They were not properly notified until years following XXXX XXXX. Several instances throughout my XXXX I attempted to sort out the issues but due to recurrent relapse it was extremely difficult. My brother and I were both victims of identity theft. I contacted Santander XXXX and requested information on the vehicle to proceed with notifying authorities. In XX/XX/XXXX Santander provided me a historical payment history displaying the first delinquency date as XXXX. They also forwarded a copy of the correspondence the sent to an unknown address in Arkansas which was provided to them from the thief of the vehicle. They are fully aware the vehicle was stolen and yet continue to report the inaccurate and differential vehicle history which is damaging my entire life. In XX/XX/XXXX, Santander Consumer USA was found guilty of falsely reporting derogatory remarks on millions of there customers accounts. ( specifically altering the date of last delinquency and closed accounts ) Ive contacted all three bureaus and Transunion has since removed the account. XXXX is in process and XXXX REFUSES TO REMOVE THE INACCURACY, Though Ive supplied the same information to ALL THREE bureaus. XXXX also refuses to remove several inaccurate reports on my credit file, while both XXXX and XXXX stated they received my initial fraud dispute from XXXX XX/XX/XXXX. XXXX and Santander are deliberately ignoring the guidelines and laws that protect consumers. Santander reported my accounts differently to ALL THREE BUREAUS. XXXX also upholds that the bankruptcy they claim XXXX XXXX has listed is owned by myself. I have attempted to resolve this falsely reported bankruptcy. I contacted XXXX XXXX and disputed the information and was sent a correspondence stating there were no records for me. Again both XXXX and XXXX have removed the false report as all three credit bureaus verify records via XXXX XXXX and there is no such accurate record. For several years Ive fought against this and its caused an unnecessary amount of additional strain on my recovery. To date, XXXX is the only 1 out of the 3 credit bureaus that continuously fails to ensure my credit is properly reported.
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have a loan that has been paid off according to my payment statements and payment report. I was told that 10 extensions were put on my account and I have zero information on 8 of them. Additionally I was told that I have a XXXX balances 2 payments shy of the the loan pay off. No explanation has been provided to me and nothing of proof regarding the extensions. The remaining balance is substantially high, I asked what options do I have on top of proof and explanation, I was told by a supervisor I would be fine because a settlement was going to be available but was then told that they dont do settlements. So now my loan which would have been paid off by now is almost half of the total do.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I was issued a loan by Chrysler Capital Santander on XX/XX/XXXX. I am on a fixed income and XXXX. I went back a few days later to opt out of the service contract to lower my payments. Since then the dealership XXXX XXXX has been replaced by XXXX XXXX. I noticed years later that they changed the percentage rate from 10.50 to 16.90. My loan defaulted on XX/XX/XXXX. I filed a complaint on XX/XX/XXXX with the State Attorney General and received a letter XX/XX/XXXX acknowledging that they were aware of Santander Consumer USA unlawfully funded auto loans that they knew were likely to fail. I recently obtained copies of my credit reports XX/XX/XXXX and on the XXXX report it states Debt Buyer Account from XX/XX/XXXX to XX/XX/XXXX. I've been struggling but made those payments and partial ones. I have gotten a few extensions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I had been requesting a copy of my credit, loan application from them because I believe the Dealer altered my application by inflating my income to get an approval without my knowledge. I am on a fixed income ( negative residual income ). I was unaware that they used an internal score and power booking to approve me for the loan. I was never notified and that was even admitted to in the lawsuit. Had I known that I would have taken a loan out with my bank. The Dealer was being dishonest and misrepresented me by giving me a loan that they knew I could not pay. I even traded in my old jeep for this new one. In the meantime I'm emailing, calling requesting a copy of the credit, loan application on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX twice. They kept telling me that they sent it on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and to look in my spam folder. What they were emailing sending were copies of my payment history and 2 hard copies of my contract which I already have. Still no copy of credit loan application. I called the new dealership spoke to someone named XXXX he said all the records were destroyed since the new dealership took over. But on XX/XX/XXXX I recieved an email from XXXX XXXX from XXXX XXXX stating that I had been selected for their Vehicle Exchange Program Really? They claimed to not have my credit loan application or any information because it was destroyed. So I continued to wait for a copy of loan credit application but instead I got a statement stating no valid phone number. My phone number is still the same and they put this account on my credit reports. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. My credit is ruined because of this. They were wrong to do this without all the facts and trying to work something out with me. So how can I have a contract with them if my information has been destroyed? I have called them numerous times and have gotten up on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX twice. I need for this to be sorted out and resolved. Thank you.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Chrysler Capital feels calling someone, have the person they are asking for it becomes okay to phish. They called me not the other way around.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have called, mail and honestly cry alot dealing with this company called Santander. I have been trying to get this charged off removed from my account. I was told today XX/XX/XXXX that Santander sold my debt to XXXX XXXX XXXX, XXXX. I have attached a letter from XXXX XXXX stating " We have closed this account and placed it in a status that will prevent it from being sold or reassigned. '' on XX/XX/XXXX by XXXX XXXX from XXXX XXXX XXXX, XXXX. Yet it's still on my credit report. I was told by NJ AG that this account would be removed from my credit report due to the Santander Multi State settlement.
Company Response:
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: derogatory credit and collections that were not mine were left on my credit report for more than 7 years. All these items happened after, in 2010, I had lost and reported the loss of my identification and social security card to the XXXX Precinct in XXXX, New York. There are credit cards, loans and multiple education department federal loan requests for the same loan. The loan has not been properly deferred or taken off. There are several collections ( 3 ) for debt i do not owe and never made a contract for credit with those places. Please review and remove these items off each report ( XXXX, XXXX and XXXX.Please remove in accordance with the fair credit reporting act.
Company Response:
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have a predatory loan with Santander. I was informed in XX/XX/2020 that I am a part of the Santander settlement lawsuit. I was granted an extension due to the fact that my loan is a large payment with significant fees in XX/XX/2020 but the payments are scheduled to resume. I reached out to Santander in XX/XX/2020 because no one had notified me yet regarding the Santander lawsuit. I was told that it is " a process ''. I expressed my understanding and requested a permanent forbearance until I was notified of my portion of the settlement. I explained that I am struggling to live due to the pandemic and I am concerned that my file shows a significant violation of my rights. Until I know that I am not entitled to the title to the vehicle and loan forgiveness, I requested payments to cease. I have not received a response.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A