Date Received: 2021-02-18
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I was a victim of predatory lending with Santander and my loan is part of the lawsuit with Santander and their unfair lending practices. As a result, my car was repossessed, due to the multi state law suit I qualified for a deficiency waiver of the balance after my car has been sold at auction. However there is still a balance showing on my credit report. Santander has been ordered by the courts to issue the deficiency waiver for the remaining balance and completely remove the derogatory account showing on all three major credit bureaus.
Company Response:
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: i had a car loan with santander consumer usa. santander had a lawsuit filed againist them for violating consumers rights with high rates knowing consumer like myself couldnt afford. the company was in ligation and i would like this account removed because i fall in the guidelines of the lawsuit.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: SANTANDER CONSUMER USA is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. I have not initiated any transaction with SANTANDER CONSUMER USA. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with SANTANDER CONSUMER USA for review or collection.
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had called this company when I noticed that my loan balance never changed and also that my credit report each month was reporting my payments. They stated they where reporting my information to the credit reporting agency each month. So I called them and I also pulled my report from each agency and it was not showing no update. I had to file a dispute to get my credit report updated. Now my report is back to how it was again where they have not reported payments and my balances and not changing since I last had made a dispute. I called them and they said they would look into it and get back with me. They never got back with me. I pay them every month on time and I should not have to ask them to report my updated balance and payments monthly. They should do this without being told to do so.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My records associated with the account SANTANDER CONSUMER USA with account number XXXX do not compliment with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to SANTANDER CONSUMER USA but I did not receive what I asked and these violations persist on my credit report.
Company Response:
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing today in regards to my account with Santander Bank NA Account # XXXX the reason for writing is because a late payment is being reported in XX/XX/2020. I am sure you are aware of the pandemic which has hit and has impacted me in that month. I got this account current once I was able to. I also addressed this issue previously and thought they had resolved this matter which they have not.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account for Santander is incorrect and does not belong on my credit report I have disputed this for years and it keeps appearing on my credit i do not have anything to do with this and for it to increase in the amount and to act as if its still open currently and report like that is fraud. This has ruined my life and how i take care of my children. It has made it nearly impossible to get a vehicle for me and my family and it a shame.
Company Response:
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Regarding Santander consumer finance 24 state AG Settlement. Santander states my account was overlooked to be included in settlement. Account meets all requirements to be included in settlement. 1. Loan was acquired during time frame ( XX/XX/XXXX ) 2. Loan was charged off within 12 months 3. Defaulted on loan and car was NOT repossessed. Information with Santander as follows : Account number : XXXX Name on account : XXXX XXXX Vehicle : XXXX XXXX XXXX Separate complaint will also be filed against Santander consumer for changing interest rate on finance agreement without my knowledge or consent.
Company Response:
State: NY
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: 2021-02-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was SANTANDER CONSUMER USA customer since 2016 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this company is trying to collect a debt that is not mine i have reached out to company they have failed to remove after i have expressed that this debt is not mine have not received investigation results
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A