Date Received: 2021-02-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank records show payment was made on XX/XX/XXXX for XX/XX/XXXX payment. No payment - XX/XX/XXXX. Payment made on - XX/XX/XXXX. Payment was put towards XX/XX/XXXX. NOT 30 DAYS PAST Due. Payment made on - XX/XX/XXXX. Payment was put towards XX/XX/XXXX Payment. NOT 30 DAYS PAST DUE. Payment made on XX/XX/XXXX. Payment was put towards XX/XX/XXXX Payment. NOT 30 DAYS PAST DUE. Payment was made on XX/XX/XXXX. Payment was put towards XX/XX/XXXX Payment. NOT 30 DAYS PAST DUE. Payment was made on XX/XX/XXXX for suspected past due balance of {$840.00}. Which covered XXXX 's payment. As previously stated in company 's response, they failed to recognize two ( 2 ) payments made and show as cleared by my finical institution. Bank records will show the correct date of payments that cleared and posted. This would indicated misinformation being reported to the credit bureaus and ascertains that the initial complaint remains valid and unresolved as of XX/XX/XXXX.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX credit report. The error which prompted this credit report dispute include late payments since XX/XX/2019, SANTANDER CONSUMER USA. I am kindly requesting SANTANDER CONSUMER USA to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander is reporting an old account as open and current. It shows a payment of {$3800.00} made to open the account back up fraudulently. The account was closed and charged off and all of a sudden it shows open and current. I have correct documentation on how the report looked in XXXX versus XX/XX/XXXX. This is due to be removed from my credit report in a month. I would like this to be removed now due to inaccurate information and fraudulently activity opposed by Santander.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I qualified for the Santander Multi-state settlement for a loan forgiveness and Santander has yet to accommodate me
Company Response:
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XX/XX/XXXX my vehicle was involved in a hit and run accident resulting in total loss. Reported this information to my insurance company on the same day. XX/XX/XXXX transferred ownership of vehicle to my insurance company through electronic signing of documents. When contacting my lender about the incident they reassured me that I do have gap insurance and will be taken care of once they receive the majority amount of payment from my insurance company. The payment went through between XX/XX/XXXX to XX/XX/XXXX to the lender. Gap insurance was never applied to my account. Was never contacted by my lender about outstanding payments. When checking my credit report I had found out my gap insurance was never applied. Called my lender to question them and was notified that I had been given gap insurance through a 3rd party company that I have no records of from the date that I signed up for the auto loan. Disputed this by paying off the entirety of the loan but still have late payments on my credit report. Disputed this again by explaining my situation of being detoured from knowing I had to speak with a 3rd party from the day the car was at total loss by my lender and not being contacted when payments went outstanding. They modified my credit report from closed account XX/XX/XXXX to paid XX/XX/XXXX and closed XX/XX/XXXX, but still keeping my payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX outstanding.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I purchased a car and I see there are 2 credit inquiries from Chrysler Capitol just 7 days apart. There is no reason why this company needs to pull back to back credit inquiries, other than to lower my credit score. I did not authorize 2 credit inquiries. For some reason, it's only XXXX that has multiple double credit inquiries on my report, significantly lowering my score.
Company Response:
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As THE ORIGINAL CREDITOR I have recently reviewed my credit profile and have noticed that there are inaccurate accounts and that are unverfied but being placed on my Consumer account negatively and reporting to the three credit bureaus that this alleged debt is mine. This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. Santander and the other alleged accounts are from third-party debt collectors which have no rights to my Consumer Information. ... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. The following entities have been reporting on my account. They have been recently deleted which shows proof they are not mine and indeed was inaccurate and unverfied. XXXX XXXX XXXX XXXX. Aud Santander
Company Response:
State: PA
Zip: 17408
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is a fraud account from XXXX XXXX XXXX opened XX/XX/XXXX on my credit report. I have tried to fix with company contacting them several times speaking to XXXX I even asked the company to validate with an instrument bearing my signature that I signed anything with this company. I even hired a company to dispute this fraudulent account to no avail. I recently learned about the FTC and filed two ID theft reports XX/XX/XXXX and XX/XX/XXXX and went to two different police jurisdictions to file an identity theft report. I have submitted the Identity block request, FTC ID theft report, Two Police reports to validate the theft as well as Fair Credit Act pursuant to my situation to a person named XXXX with no help stating to me they are closing the complaint as NO FRAUD The account number I do not have but the amount is estimated around {$1300.00}. Same with SANTANDER CONSUMER USA there is a AUTO LOAN for approx {$38000.00} that was opened XX/XX/XXXX Have disputed with company as well as credit bureaus and sent FTC report and police reports This has been nothing but a nightmare this is identity theft I have disputed with credit bureaus as well
Company Response:
State: IL
Zip: 60181
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I got a loan with Santander in 2015. I have already started defaulting within the year. I had to have my mom borrow and myself be the co-signer because she didnt make enough money and my credit wasnt good enough. I have struggled for years to pay this car. They have only helped with deferrals when absolutely necessary, even during XXXX XXXX. Their representatives have lied to me, and after going through health issues, including XXXX, I asked them for a a deferral and they said they couldnt that they would try to modify my loan. They never got back with me on that and said they didnt know what I was talking about. They repossessed my car today and are trying to charge me XXXX dollars to get it out. This is the first time this has happened. No one is willing to help me. I am quite sure I am included in their class action lawsuit. I was 94 days past due, with 4 payments due and XXXX and some change in late fees. They towed my car over 3 hours away and I cant retrieve my personal belongings. This is absolutely absurd. I demand Santander give me back my car that Ive paid XXXX on already and still owe XXXX somehow and call it even. These people are crooks and thieves and prey on the poor. They have never helped me! I want my car back and I want the payments to disappear. I have paid enough!
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased a vehicle from Santander Consumer on XX/XX/XXXX with an extremely high interest rate which I assumed was due to my credit score. The vehicle was stolen on XX/XX/XXXX. The police found the car and returned to Santander and they sold the vehicle. After the vehicle was sold, my Gap insurance kicked in and Santander advised that vehicle was sold and I had to pay remaining balance. I reached out to Customer Care several times to settle balance and to inquire about the interest rate and was offered no assistance which is when I requested to speak to a manager. I was given the run around and was told several times that a manager would reach out to me and no one ever reached out.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A