Date Received: 2021-02-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is a complaint against Santander USA that should be off my credit report nothing to do with the other complaint I just put in. Santander was a repo back in XX/XX/XXXX why they are not off my credit it has been long enough and they don't own the car that was report I want Santander removed from my credit report!! It's got a ton of mistakes on it I have XXXX that I pay for and XXXX! This is bull I was not included in the XXXX XXXX dollar settlement? They were charging me back in XXXX 22.75 % interest rate and it was a term for 74 months at a whopping XXXX $ a month it's old they don't own the car anymore? They put XXXX charge offs on my credit I have worked hard building my credit I one wants to help me look into this? Please help me. This was from XX/XX/XXXX thru XX/XX/XXXX and they don't own the car a ymore?
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I sent 2 letters requesting to Santander USA to send requet letters to XXXX the credit Bureau and Santander never respond to me then I sent a Dispute letrer direct to XXXX and they did respond with a non compliant answer and XXXX did not remove that alleged inaccurate misleading unverifiable account because is a Santader usa Multi State sub Prime auto Lending and as your office Know Class Action law Suit was perform by 33 attonerys States and. I am been affecting because only XXXX still reporting such Alleged it Account in my credit Reports
Company Response:
State: FL
Zip: 34203
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have never missed a payment with Santander Consumer USA. My account is XXXX and the last payment made was XX/XX/2021 for the payment amount of XXXX. My payment is not due until the XX/XX/XXXX of each month. Santander reported on my credit report that my account was 30 days past due. This is incorrect. I want this removed from my credit report immediately. My total loan payoff for my car is {$680.00}. I was told by Santander ( check recordings ) that I could continue to pay this balance as i would normally pay my car payment. Now they are reflecting it as past due. It is not. I have never missed a payment. I pay early.
Company Response:
State: OK
Zip: 73008
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
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: Ive tried to dispute it but its closed and not off my credit report
Company Response:
State: GA
Zip: 31705
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: in XXXX of XXXX i took out a loan with santander to purchase a vehicle. The Dealership i bought it from, XXXX XXXX in XXXX Texas asked me if i wanted to purchase gap insurance. They informed me in case of a loss this insurance would cover any gap between insurance payout and balance of the loan. i purchased the gap insurance at the dealership.the gap insurance company is XXXX XXXX XXXX in XXXX of XXXX i was involved in an accident and the insurance deemed the car a total loss. i called the gap insurance company to file a claim and was instructed to fill out a form and send it to them. i sent them the form and they only paid part of the gap. not all of it. now santander has been reporting negatively on my credit report for years. ive tried to resolve the issue with the credit bureaus and santander but all they do is keep updating and changing thier reporting to the credit bureaus. i feel all options have been exhausted and i need to file a complaint to get this removed from my credit report as i do not owe this money. the XXXXXXXX XXXX owes this money not me. it is not a large amount of money owed and i have enough to pay it but i feel it is unfair that i payed for gap insurance every month and they refused to pay up in full
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My wife and I took out an car lease with Chrysler Capital in XX/XX/XXXX. The car lease was over 36 months at a monthly cost of approx {$450.00}. We signed up for Autopay and the first 35 payments were all paid in full and on time using this process. We received a number of calls from Chrysler Capital in the final month, informing us that we had excellent credit and because of our excellent payment history they offered a number of incentives to enter into a new lease. We decided not to do this as we did not want another vehicle from Chrysler. Ahead of the 36th and final payment ( which was due on XX/XX/XXXX ), and for reasons unknown to us, the Autopay was cancelled. As there was equity in the vehicle, we decided that we would sell the vehicle to a dealer and keep the remaining equity for ourselves. We requested a settlement figure from Chrysler Capital - this was provided to us on XX/XX/XXXX and expressed that the settlement figure ( of approximately {$20000.00} ) " was good through XX/XX/XXXX ''. The settlement figure included the final monthly payment of {$450.00}. Between XX/XX/XXXX and XX/XX/XXXX, we attempted to sell the vehicle to two different Chrysler dealers, but after some time were then advised that it was not possible to sell the vehicle to a dealer in the final month of the lease. As a result, we had to purchase the vehicle ourselves and we requested another settlement figure from Chrysler by phone on XX/XX/XXXX. I attempted to pay the amount due over the phone by card ( including the final monthly payment ). I was advised by the customer service agent that it was not possible to make the payment by phone and I would need to mail them a check. I expressed concern to the agent that this would result in me becoming delinquent with my payment - both the XX/XX/XXXX deadline from the settlement figure and with the final payment becoming 30 days past due on XX/XX/XXXX. The agent told me that I had no reason for concern and that as long as the check was mailed in the coming days then there would be no problems. Nonetheless I sent the check for approx. {$20000.00} that afternoon ( XX/XX/XXXX ) by overnight service from XXXX. We received the title documents from Chrysler Capital a couple of weeks afterwards and confirmation that the account was closed and satisfied in full and we thought nothing more of the incident. We are now applying for a mortgage and discovered in XX/XX/XXXX that our credit score has fallen by approx. XXXX points each as a result of Chrysler Capital declaring that we were 30 days late on the final payment of the lease ( and reporting it to all 3 bureau ). According to records from our online account, Chrysler Capital applied our check to the account on XX/XX/XXXX, some 6 days after it would have been received at their offices. We have contacted Chrysler Capital through their dispute resolution process and they stated that they had found no reason to change their reporting. They did not confirm they had listened to the call recording from XX/XX/XXXX. We have otherwise a perfect credit record and have always made all of our payments in full and on time.
Company Response:
State: FL
Zip: 33143
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: So in XX/XX/XXXX my car was total in a hit and run accident. After notifying my insurance company, they notified my lender Santander Consumer USA. In which the total loss payout process started. XXXX paid over {$9000.00} and then gap was suppose to cover the difference. Fast Forward to XXXX XXXX Gap finally send out the payment to lender. At this point we have been getting called about missed payment and how where 60day past due on a car that was total. Before the accident my wife and I never missed a payment even paid early even after covid shut us down and I lost my job. I reach out to my lender to learn what going with our account, I found out that there was a remaining balance and I paid it even without having a job. I was told that they would back date everything but the only thing they backdate was the gap payment and still reported the late payment even after I paid. I called the lender first to try to resolve the issue being that we had amazing payment history with them and they told me it nothing they can do even in a state of emergency with Covid and thing being truly out of my hand but I made it my business to fulfill my end of my agreement with my lender by seeing the loan to completion. I have called my lender over 40 time from XX/XX/XXXX to XX/XX/XXXX and no resolution.
Company Response:
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i have send multiple challenge letters to verify and validate the 100 % accuracy of the reporting of this account. They have never sent me a wet signature copy of the contract ... they never send me all of the documents that by law are required during a repossession process. they never send me the letter that i have the option to buy back the car per example ... this is a clear violation of my rights..XX/XX/XXXXcould not prove this debt was mine nor is it reporting 100 % accurately not 99 % or 80 % so they deleted it ... my understanding is that the other bureaus should follow suite as this is a violation of the law they are required to follow ... i am attaching a copy of my report ... look at the date of last active between XXXX and XXXX..this account has obviously been reaged another violation
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
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 company Santander has removed my file from XXXX and I have disputed with XXXX and they removed one payment off of my report but not the whole account. Santander was in a litigation and has settled to remove bad loans off reports and they have off of my XXXX report. I have proof of the loan erased off my credit report and can send upload. Please assist in this matter in helping clear both my XXXX and XXXX. Thank you, XXXX XXXX
Company Response:
State: OH
Zip: 45373
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A