Date Received: 2021-02-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account is not accurately showing on my report. It should be closed and satisfied, yet its showing open and late. Additionally, since disputing they have updated the last date of activity when that is incorrect. This account is over 7yrs old, and I have not reached out, nor conducted any type of business with them since this account was charged off over 7yrs ago.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX XXXX I was involved in a head on collision that left the XXXX XXXXXXXX XXXX completely totaled. The XXXX was towed to the tow lot while I was rushed to the emergency department. I called Santander XXXX XXXX to inform them what happened. They explained to me that the car had Gap Insurance on it and that if it was completely non salvageable that it would be taken of my record. I called the XXXX XXXX lot to check the status of the car they stated it was in the lot still. For 3 mths I was given the run around from Santander stating their insurance person said it is not salvageable and that they couldn't use it for parts. I called the tow lot to see if I could get my belongings in the car the tow lot supervisor instructed me that I could do a release of property with them. I went to complete the process and was told that Santander picked up the car. I called Santander where they stated they hadn't picked it up and than referred me back to XXXX XXXX XXXX. XXXX XXXX XXXX stated it was picked up on XXXX XXXX by Santander. Santander than stated they picked up it as a REPO, which in their definition a REPO is for Non Payment not due to a accident. My XXXX was still and still is in the XXXX XXXX XXXX waiting to be auctioned off. According to the tow lot they can't auction nor go in the car due to it being a biohazard with XXXX and XXXX on the driver and passenger seats. The windshield and back seat having extensive damage. The car is in no shape repairable nor able to have parts sold from it. On the credit report Santander stated it was a natural disaster but on the next line stated it was a Repossession. My car note was due the following week of my accident and when I called to info the lender they stated they hadn't known about it but would know within a few days and appreciated me calling right after it happened and that it would be written off since it was due to a accident and they would send an adjuster to verify the damage. I stated I was going to have my adjuster come out Santander stated that would be fine but I later found out they sent a request for their adjuster to go out and I was charge for him to go out as well as for Santander moving the car from the XXXX XXXX to the other parking lot instead of allowing it to sit until I had received my belongings or spoken to both XXXX XXXX and Santander to find out the next steps in this horrible ordeal. The report states a natural disaster and repo it isn't the later part but the natural disaster, I just want this to be solved and me to stop going back in fourth communicating with parties that should've properly document and spoke to me regarding the car situation since it was mine and I had majority belongings and business artifacts in the car.
Company Response:
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My name is XXXX XXXX and I am submitting this complaint on behave of myself. This is not a third party company. Date XX/XX/2020 XXXX Account # XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020 and your report # XXXX shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. *Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. *If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Thank you, XXXX XXXX
Company Response:
State: GA
Zip: 30101
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
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: SANTANDER CONSUMER USA has sent me back documents that are not in the original documents. These documents that were sent to me has an individual on the contract that goes by the name of XXXX XXXX I have no knowledge as to who this person is. I have submitted it to SANTANDER CONSUMER USA and also the credit bureau ( XXXX ) they have yet to supply the original document with my correct signature on there. ACCT NO. XXXX XXXX XXXX// XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I've never own or been associated with this vehicle
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I AM NOT RESPONSIBLE FOR THIS LOAN, I HAVE DISPUTED WITH ALL THREE CREDIT COMPANIES, SO FAR XXXX HAS DELETED THIS ACCOUNT. I CAN NOT GET IN CONTACT WITH A REP FROM THE COMPANY ANYMORE. THEY ARE REPORTING THE WRONG INFORMATION ON MY REPORT
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I entered into a lease with Chrysler Capital after the appropriate process was completed at my local XXXX XXXX, XXXX dealer. They informed me that I would not owe anything for the first month or two. The dealership, despite having my license, telephone # and address filled out correctly BY ME, supplied the 1. Wrong phone number to Chrysler Capital 2. The Wrong Address, and 3. Supplied them with NO EMAIL. I tried to log into Chrysler Capital after not receiving any correspondence fro leasor but was unable to do so as I did not even have my account number. I was notified of a credit change and immediately called Chrysler Capital and they NOTED it was their mistakes that led to this delinquent reporting as they verified NO correspondence was sent to me via email, phone, or mail. They told me I had to contact the credit bureau 's to rectify, which I did, but this still remains as an adverse event that was not of my fault. I am current on ALL payments with every institution I am involved with. This adverse event is unjustified as I had done my due diligence in filling out correct information MULTIPLE times at dealership.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I am a victim of Identity Theft. An unknown perpetrator used my unique identifiers to open various accounts without my knowledge. I filed an FTC Identity Theft Report ( report # XXXX XXXX on XX/XX/2020. I also filed a local police report with the XXXX Police Department XXXX report # XXXX ) on XX/XX/2020 describing the situation in detail. The report listed all of the accounts that were a result of the identity theft. I also contacted each company listed in the report and notified them of the situation and that I had been victimized and how harmful it has been in reference to my financial endeavors. I also opened disputes on the matter and promptly notified each of the major credit bureaus. Some companies required an affidavit of identity theft be sent in along with supporting documents to help aid the investigation process. Correspondence on the matter was to be given within 30 days of receipt of the documents. I mailed off an affidavit of identity theft along with supporting documents to Santander Consumer USA on XX/XX/2020 via certified mail ( tracking # XXXX XXXX. There has been no correspondence on the matter. I recently called to check the status of the investigation and I was informed that Santander Consumer USA has not gotten to my file yet and the investigation was still open at this point and has not yet been assigned to an agent. The investigation was supposed to be completed within 30 days of receipt of the documents. Documents that were delivered on XX/XX/2020.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I purchased a XXXX XXXX which was financed through Santander Consumer USA with monthly payments of {$510.00}. During this time, I have filed 4 emailed complaint, 2 written complaints, numerous phone calls to complain about the amount of money I have paid for this car to still owe over {$14000.00} as of XX/XX/XXXX. The monthly payments are {$510.00}, but I never understood why my principal has never gone down no matter how much I pay. During this time, I see that of the {$510.00} payments that I have made, if this is not paid on the due date almost none of this payment goes towards my principal. This loan was not designed for me to pay it off, but to continue in debt with no financial means to fix my vehicle when needed. I tried to refinance my loan but because the balance was so high the 2 companies that I went to after reviewing the loan declined because I could not pay the {$9000.00} deposit needed. Over a year and half ago I reached out have my due dates changed, I had experienced a national disaster and my home getting struck by lightning. When I reached out to Santander, they advised me they could not help me. I had not had any late payments reported to the credit bureau until I asked for assistance. Because the payment date change that I requested was not granted, Santander reported me 30-59 days late to all major credit bureaus XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have sent my payment information, my dispute of what Santander said I owed, and now that they have destroyed my credit and trapped me in this outrageous and unfair trade practice loan, I still am in debt on a car that is worth less than {$4000.00}. This loan is now 5years and 8months old, how can me paying {$510.00}. for this length of time does not pay for this car. Why have they practiced unfair and bias trade practices to me throughout my loan process. They do not offer any modifications, and when I purchased my car, I truly was not made aware that if the loan payment was not made by the due date that it may be no money at all that goes on my principal. I was never made aware of that at all, and unfortunately, I was diagnosed with XXXX which is why I feel that I was taken advantage of. I work extremely hard to pay my bills as I agreed too, but this company is robbing consumers, taken advantage of the underprivileged, and placing me in a loan that was never designed for me to pay it off. I made my last payment on XXXX XXXX in the amount of {$520.00}, but {$210.00} went towards the principal and {$290.00} went towards interest. Why are they still applying this kind of money towards interest? Inflation, unfair trade practice, deceptive trade practice, and designed for consumers like myself to fail in the auto loan they tricked me into. HELP PLEASE
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I DID NOT initiate these inquiries or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my consumer report unless otherwise noted in section 604 of FCRA.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A