Date Received: 2021-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX, I leased aXXXX XXXX XXXX. The lease was administered with Chrysler Capital. When the lease was up in XX/XX/XXXX, I requested an extension due to COVID-19. Even though I was given misinformation by Chrysler Capital, I continued to make all of my payments. I was never late or behind ; I was completely up to date. Every time I spoke with Chrysler Capital, I was always informed that I could not get an extension since I was behind. Each time I told them that I was up to date and after a long hold, I was advised that I was in fact not behind on payments, in XX/XX/XXXX, I discovered that Chrysler Capital had notified the credit bureaus that my account was 90 days past due, which was completely false. When I called Chrysler Capital, I was first informed that they had sent a letter to the credit reporting bureaus that I was in fact currents d they reported me in error. When I asked to see a copy of the letter, I was told no and that their records show that there was no problem with my account.To date, this 90 day past due is still in my credit file. As a result, even though I was able to get a loan when I purchased the XXXX XXXX in XX/XX/XXXX, I am sure that my payments are higher as a result of Chrysler Capitals false reporting of my account status
Company Response:
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I lost my job due to covid, one week after the purchase of a new vehicle. I was diagnosed with XXXX XXXX, and as a result my employer will not allow me to return to work until I receive a vaccination. I called Chrysler Capital on or about XX/XX/XXXX to request payment relief under the cares act due to my inability to make my payments while out of work. On this call, the representative asked me numerous questions relating to my health, condition, and specifics on my ability to work. She made reference to the fact that I could get another job, and actually asked if I was trying to find work. At the end of the discussion she said that I didn't qualify for any assistance because I had not made a payment towards the account yet. She also said that the account was 'too new '. I raised the concern of why I was being asked a litany of health related questions if I was being denied by default on unrelated issue- the account being too new and I had not made a payment yet. Two factors that preclude me from qualifying, which the creditor knew before I even called them, yet the woman asked numerous personal questions. So I borrow {$1700.00} from family members so I can make the XXXX payment. On XX/XX/2021 I called Chrysler Capital again, to request a payment deferment. AGAIN, a litany of personal and health related questions. I was denied, again, because the account was too new and this time also, because the account is not past due. It's not past due because the last representative said I had to make a payment in order to qualify for a loan deferment, so I borrowed the money!! These, again, were factors that the creditor knew before asking personal questions about my condition, my financial status, and my ability to make a future payment. They suggested a surrender of the vehicle if I am not able to make a payment until XX/XX/XXXX. I told them that was unacceptable and they said that I knew the risks of buying a vehicle in XX/XX/XXXX during a pandemic that I may lose my job and not be able to make payments. They said I did not qualify for any loan deferment options, but that they could give me a few extra weeks to make my XXXX payment, with added interest and fees to do so. This creditor harassed me on the phone, two different times, asking me questions about my health, ability to work, and criticizing my judgement of purchasing a vehicle form them during a pandemic, and then losing my job ( totally outside my control ). XXXX
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I am still under the impression that XXXX XXXX are not keeping accurate records with my account and are operating under deceptive practices. I filed a formal complaint with the FTC about my account and how they are reporting it. When looking at their response to my complaint, they listed another a vehicle, interest rate, and other information that doesn't match mine. As you will see on the attached documents, that they vehicle in question is a XXXX XXXX, they listed a XXXX XXXX. I have never owned a XXXX XXXX and I have never financed a XXXX XXXX through this dealership or through Chrysler Capital/Santander. I question if these documents match the information reported and if the calculations are correct because they are associating it with another vehicle. The company that was used by their company never sent me a document or anything stating where I could come and get my personal belongings. Also the terms listed are not accurate. They show that the vehicle was extended 2 times and not 5. Are they stating that a request of date change equals a month extended? If so, where is the documentation that shows this is possible and where is the documentation that it was communicated to me? 2 does not equal 5. On XX/XX/2021, they responded to my complaint with these discrepancies and expect me to believe what they are reporting is accurate. At this point, I would like to have this account removed from my credit report for inaccuracies and deceptive practices.
Company Response:
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: There is a multi-state class action against illegal lending practices. As a customer I'm experiencing problems with loan forgiveness on a car title. I contacted Santander in hopes to get my loan forgiven, or to get it modified. As of today they are charging me XXXX in interest on a XXXX loan. I have already paid off XXXX on the balance. The state of Texas isn't included in the class action, but the state of Louisiana is. Which is where the car was purchased. Over XXXX approved by the courts, for settlement payments, and loan forgiveness. I have reached out to the Attorney General of my state and the XXXX XXXX who is in charge of the settlement. I need help in getting Santander to do the right thing and actually help consumers. Over XXXX consumers having the same issue, please refer to the link for more on who other consumers are experiencing. Please help us bring light to this situation, instead of letting lawyers take advantage of the funds, and leaving consumers buried in debt with no capable resolution. https : XXXX
Company Response:
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Santander Bank is ripping me off with late fees and bombarding me with ROBO-CALL after ROBO CALLS. I have been paying them on time since XXXX. I did have a medical problem in XXXX. But I have been paying on time the last 18 months and they keep charging me late fees and no one answers the phone when I call after being on hold for 20 minute sto half an hour. I have been making my car payments. They are charging me another Car Payment of late fees of {$220.00}. Those late fees should be revered. Attached is my download of car payments from my XXXX account. The CFPB should stop them from pushing consumers under with late fees even though they are paying on time. See attached.
Company Response:
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: A Santander car loan class action website has been established to inform consumers of a proposed {$550.00} XXXX settlement that they may qualify for. Though the website is live, the settlement is not accepting claims at this time. A judge has yet to approve the settlement deal. Top Class Actions will provide information on how to file a claim as soon as the details are available. The {$550.00} XXXX settlement would resolve a probe by 34 state attorneys general into allegations that Santander issues unfair auto loans with excessive interest rates and other terms. These loans were allegedly offered to subprime consumers who were highly likely to default on the debts.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
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 U XXXX Open Date XX/XX/2018 Balance {$42000.00} As a customer I have legal rights that are given to me to protect me from misinformation being stated on my credit report. At this stage I want to produce a previous request for investigation before I speak with my lawyer for tips on how to handle inaccurate and unverifiable items that are continuing to be established as legitimate. You need to have me along with a copy from the agreement approved or voice interaction where I permitted billing me regarding this account.
Company Response:
State: OH
Zip: 43206
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I conacted santander in regards to this charge off on my credit thats been there for years and requested that they remove the incorrect information. AFter years of trying i started to see if there were any other ways to get this fixed I contacted XXXX and XXXX along with XXXX with no success. Please help.
Company Response:
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Due the pandemic i missed to pay my monthly amortization because of the pandemic and im unemployed and im victim of wrong-termination to my job.But i tried all my best to pay my bills.But its tight for me to pay my monthly obligation.i paid this company by XXXX the amount of {$650.00} then, XXXX i registered the car even late and i paid the extra fee.I paid all my bills to divide if i have extra money.That time i dont have any idea whats the important and how to ask help coz im new here in united states all i can do is worked and worked but i report all the company i lend that im still unemployed.The MONTH OF XXXX i got my new job so i report to the company that i have already job then as soon as i get my salary i start to pay.So at the month of XXXX i started to paid my monthly bill as partial of the amount of ( {$700.00} ) and the month of XXXX i was shocked coz other company came by to our apartment to forcefully to pull and repossessed the car without warning that they repossessed the car.And i was called the company and asked to them thatother company are here to pull the car and why? coz i paid you last last week and if i let to take my car how could i go to my work without car and this is my first job and the location is too far and if i cant go to my work how could i pay my bills if you dont give me a chanceand they give me a good condition but before i agree to take the car coz they saidok just let the car and call us the company tomorrow and where open at XXXX and i let you know that where you gon na get the car coz the company sold your car to other company and i do my best to help youbut i asked how about by tomorrow if i call then ask my car and if they ask me to pay my balance and that the chance to get your car.and if happen that I couldnt pay coz you know that was i told you this is my first job and im broke right nowand agent said no i put here in my report about what we talkso i let it then I sacrificed to take the XXXX to get me in my workXXXX XXXX XXXX XXXX XXXXthen i called the company at XXXX and other agent again that i was talked, so i explain my side and my situation and I thought she understand me but i was wrong coz she hurt my fellings instead she gon na help me.she said dont get loan if you cant pay.And ii said, if i know this is happen i dont partial to pay my bill.thats why i feel so down, depressed and i felt insulted thats why i asked to my employer to lend me to purchase a used car but the car i bought gave me hardtime always broke so I returned and purchased another car it same thing and everyday spend money to the car and i was so broke coz all my salary spend nothing and i asked again to lend me to buy another coz i need car as for my job.And the month of XXXX the company called me to pay the balance and i said if i pay that amount Ill take my car? ( {$14000.00} ) and they said NO and why i pay if i cant get my car and when the time that i asked a favor to give me chance and never allowed me instead to help me but the hanging me.And i said i ask to someone what im gon na do about my situation and i dont give a comment coz i dont have any idea about my rights and im here to my work right now.Then i check my report and Ive noticed there is error to my acount.I notice my acount it was closed to the MONTH OF XXXX and my last pay DUEDATE it was XXXX and no payment.and the other report closed to the MONTH OF XXXX and i cant see my there my monthly payment amount the interest of my payment.And i was confused coz my payment of the MONTH OF XXXX AND XXXX was missing.And for now i cant answer their call coz i dont know what im gon na do? if i could pay my balance without the car an me? The company that i complain is : SANTANDER CONSUMER USA Acount XXXX Contract XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX following repossession company XXXX XXXX SERVICE : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX, I disputed inaccurate information reporting on my credit report by Santander. I was notified by the 3 credit reporting agencies, XXXX, XXXX and XXXX that the information was verified. I disagreed with this information, so on XX/XX/XXXX I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes. Ive also requested procedures in place for the bureaus because they have continually reported inaccurate information, knowingly and willingly. I sent a follow up on XX/XX/XXXX. I wanted to follow-up with the 3 credit reporting agencies, XXXX, XXXX and XXXX. I notified them of the errors with the reporting and made it evident that they were knowingly and willfully reporting inaccurate information. This was my exact reason for my dispute : Please verify this account and It's a shame how you have conducted and supposedly verified this account. The errors are evident as they are inaccurate in more ways than one. When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. Should you deny my request, I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I don't agree with the Credit Limit listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Please confirm the Status Code is also correct. I would like you to provide me with the Metro 2 Format, specifically Base Segment, Field 17A. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Please take my request seriously. You have again confirmed to me in writing that the information reported is in fact accurate. It is now my opinion that you may have mix or mis-merged this file onto my credit report. After my research, I have found that mis-merged files occur largely because the CRAs ' computers do not use sufficiently rigorous score or scale thresholds to match consumer data precisely, even when such unique identifiers as Social Security numbers are present. The nationwide CRAs rely on a match of only seven of nine digits of the SSN ( See Reeves v. Equifax Info. Serv. ) The CFPB has identified mixed files as a particularly challenging problem. I again request that you immediately remove this account from my credit profile. Last month, I requested you to provide me with the " reasonable procedures '' that you have in place, yet you didn't provide anything " specific '' with " first-hand knowledge '' about this reporting. Need I remind you that these procedures are designed to prevent inaccuracies. I've requested this in writing and once again, you have failed me. It is my right to know that you have actually followed YOUR own procedures. ( Rothery v. TransUnion, LLC. ) It's not enough to just have procedures put in place but that the employee also follows the procedures in each and every report they prepare ( See Konter v. CSC Credit Serv., Inc. ). You must not just have reasonable rules, but your employees must strictly follow those internal CRA rules ( Carroll v. Exxon Co. ). The FTC staff indicates that " [ o ] ne of the most significant compliance procedures to assure accuracy will be the training of new personnel and the retraining of current employees from time to time. Even isolated instances or error should be followed up and procedures adjusted in order to correct the cause of the error '' ( FTC, Compliance with the Fair Credit Reporting Act ). Since you have failed yet again, I implore you to do the right thing and remove this from my credit report. On XX/XX/XXXX, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what Santander is reporting. I notified them that the information is inaccurate and unable to be verified per my request. I sent my initial request for full verification of this account to Santander on XX/XX/XXXX. They didnt provide me sufficient verification per my request which was made pursuant to the FACT Act, Section 312. In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated. On XX/XX/XXXX, I sent a follow up to Santander to again request verification. I requested 29 very specific items to in fact verify the account, which, if needed would be requested during discovery if I were to ever file a lawsuit regarding my request. They failed to provide me with the requested information. On XX/XX/XXXX, I sent a request of verification to Santander so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. I requested information specifically in regards to UCC Article 9, which were as follows : 1 ) I would like to see my wet signature that was authenticated ( Authenticate is a broader term than sign and encompasses electronic signatures and similar methods. See U.C.C. 9-102 ( a ) ( 7 ). ) on a security agreement that describes the collateral. 2 ) Written confirmation that the " Right of Redemption '' was provided so that I know that my rights weren't violated under Article 9. 3 ) A copy of the notice of the intended disposition of the collateral, including the date after which a private sale occurred and the time and place of where the public sale was conducted. 4 ) Verification of the notice of my right to redeem the collateral after repossession by paying the full accelerated amount of the debt. ( U.C.C. 9-623 ). 5 ) Notice of the disposition of the collateral that contained all the required information and that it was accurate in all respects. Keep in mind that Article 9 adopts a " zero tolerance '' rule for mistakes or omissions in the notice of disposition. As you guessed, they didnt provide me with any of this information. On XX/XX/XXXX, I requested a Deficiency Waiver in writing regarding the account. I also requested that they provide me with ALL 426 identifiers of their reporting to the bureaus as the information is inaccurate. As well, Ive requested that they remove this account from my credit report since they have failed to oblige the Fair Credit Reporting Act, the FACT Act Section 312, U.C.C. Section 9, Fair Credit Billing Act amongst many other laws put into place to protect my consumer rights. This, in my opinion is the reason that the Attorney Generals from more than half of the States have entered an agreement for them to follow.
Company Response:
State: CA
Zip: 95051
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A