Date Received: 2021-02-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I HAVE BEEN MAKING MY PAYMENT EVERY MONTH ALSO HAVE MADE PAYMENT 0F XXXX AND XXXX IN 2018 THAT THEY CLAIM I OWE REGARDLESS OF WHAT I PAY THE LOAN AMOUNT DO NOT DECREES AND PAYMENT DUE ALWAYS INCREASE AND THEY TRYING TO REPO MY CAR LOAN WAS XX/XX/2018 PAYMENT WAS XXXX MONTH I HAVE CONTACT THEM ASK THEM TO CORRECT THE PROBLEM AND A EXPLANATION
Company Response:
State: NC
Zip: 27401
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX my bill did not go through account with missed payment. I am kindly requesting SANTANDER CONSUMER USA Opened XX/XX/XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Company Response:
State: OR
Zip: 97301
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I called Santander Consumer USA on XXXX regarding 2 ( {$400.00} ) payments that were applied incorrectly in XX/XX/XXXX. The bulk of the payments were applied to fees and not principal or interest as I was told. I've been informed several times by various Santander employees that the fees on my loan can be paid at the end of my loan without penalty. On XXXX.2021 I was told that the payments would be corrected and readjusted to apply to principal and/or interest within 5-7 days. I called back today on XXXX.2021 to check on the progress because from what could tell online this was not corrected. When I called today, XXXX2021 I was told that they weren't going to reallocate my payments. Because I paid above and beyond my normal payment they actually penalized me by applying funds to fees when that is not why I made extra payments. It's very dishonest especially since I was told that it would be fixed no problem when I called on XXXX.2021 ( they can pull the call recording ). This is very shady and dishonest business practices. I have every intention of paying my loan ( principal, interest and fees ) in full. However, I made extra payments to get ahead on the loan because of covid and we don't know what life is going to bring month to month. So it's horrible that during a global emergency Santander decided to take advantage of the little bit of extra money I had without my consent to fatten their pockets even more. Without regard to my personal situation. Horrible and I will not rest until they fix it and I believe there's a 3rd instance of them taking my payment and applying it incorrectly.
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Consumer is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt on my credit file. I was under the impression this debt was being paid off but they were applying it to another account? My insurance was supposed to be taking care of it but because they kept delaying the process I decided to do it on my own. However, they never applied a single payment to the account I needed it to go to! I ended up finally being able to settle the account and they told me they would be removing the account from credit. However, I received a letter stating that the account would just report as paid. This is not what we agreed to and they must hold up their end of the negotiation. I am aware that the company has the ability to report his account to the bureaus as they deem necessary. Santander has the ability to remove any accounts since they are the furnisher. I have settled the debt with you and am now asking for a deletion letter to provide to the bureaus.
Company Response:
State: UT
Zip: 84095
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander consumer usa reporting inaccurate late payments info to credit bureaus. Dates:XXXX
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
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 after multiple partial payments I was contacted to submit a late payment. I called back that same day and spoke with a representative who approved my payment amount and future payment arrangement. She advised that because I was submitting payment and making arrangements there would be no negative hit to my credit. I was transferred to submit payment via phone, which I did. Two days later I notice the same balance. I submit payment again via internet. The next day I receive a call to collect more. I was advised that there were no notes in the account pertaining to any payment arrangement. I was transferred again to set up arrangements. This was completed. The next day I see that my credit reports were down 50+ points. I call back. The representative advised that there were no notes regarding the 3 previous interactions. I was transferred again to complete the payment arrangement request. The rep told me that I had done everything needed, he saw the notes and that they [ the company ] didn't do their part in emailing me the new agreement. He then drew up a company complaint and filed it for me stating that arrangementwas needed due to COVID layoff and maternity leave lack of income - same as I told every other representative I spoke with. I received the new arrangement via email and signed it while we were on the phone. To this point, I've been denied housing due to this credit report hit that we have seen and all of this due to company negligence, as I advised the reason I needed to make sure my credit was not effected and was assured multiple times that it would not be.
Company Response:
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander consumer usa has in the past submitted incorrect information on my account to credit bureau. I told you all before about unfair practices and you did nothing.They have not corrected information on my loan in timely manner in past giving me poor score They already charge me interest only payments without applying to loan or thoroughly explaining it .We are under new administration in washington and new guy President Biden put in place i am contacting him letting him know your agency has done nothing out of all CFPB complaints I've submitted
Company Response:
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My XXXX XXXX is paid off by the Insurance ( {$11000.00} ), company to Santander Consumer USA, plus I paid over {$12000.00}, now Santander Consumer is asking for {$10000.00} in late charges. It has ruined my credit score. I need Santander Consumer USA to make my credit score right and loan paid off in writing with Title. The car cost {$18000.00}. I need help.
Company Response:
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Chrysler Capital intentionally drew an overpayment on XX/XX/2021 for the final payment on a 48 month auto loan. The final payoff amount should have been {$610.00} and instead of this amount which was printed on their invoice and was the amount verbally given by their representative as the payoff their automated system withdrew {$1200.00}. When I became aware of the extra amount withdrawn I contacted Chrysler Capital and was told by their representative that the acknowledge that they were overpaid but they would not be issuing a refund XXXX {$620.00} ) for the overage incorrectly drawn by their system until XX/XX/2021 more than a month after they wrongly overdrew their payment. I verbally explained to Chrysler Capitals representative that if I owed them money Im sure they would turn me over to a debt collector if I delayed their payment by a month. I believe that they have intentionally programmed their system to fraudulently overpay themselves and that they are then intentionally delaying repaying the funds the have fraudulently obtained to give themselves a capital cushion. I paid the entire loan on time for four years using a bank auto draft and I feel like they do not have a legal right to hold {$620.00} of my money for 21 days beyond the date they have told me they will send me the vehicle title. I do not believe this is an accident on their part, I believe that they have intentionally programmed their system to achieve additional payments they are not entitled to receive.
Company Response:
State: SC
Zip: 29205
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've sent in multiple pollice reports along with the ftc identity theft report. this company has yet to investigate properly or remove thee invalid debt information. I sent a letter to the. credit agencies and this company showing fraud. I am asking that this be removed from my report asap
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A