Date Received: 2021-01-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2015 I purchased a car from a dealership called XXXX XXXX in XXXX County, Ca. I drove the car home and it never moved again. I tried calling the dealership and left messages and no one would return my calls. I called other local dealerships because now without transportation, I was not able to travel or bring the car in from XXXX County where I live. I phoned other dealerships in the area to find out why no one was answering the phone. They told me there was crime tape around that dealership XXXX XXXX XXXX XXXX and that all the cars on the lot had been confiscated by the police. The police were questioning folks in the are and the Owner, who identified himself to me as XXXX was now a fugitive. I phoned the bank where the loan was originated and they stated that I had already signed the deal and it was too late to do anything except pay the {$460.00} each month. They told me this was necessary to protect my credit. They also told me that once I reached XXXX they would forgive the rest of the loan. I continued to pay my monthly premiums of {$460.00} for years and was never late with a payment because I wanted to protect my credit. When I reached the XXXX, the bank started to avoid me as well. They told me they were under new management and that offer no longer applied. They demanded an additional XXXX and threatened me with collections and damage to my credit. I paid for years so that my credit would not be destroyed, but now this is what I was facing. This is a criminal matter and no one wanted to help me. Based on this, I have been unable to find a place to live, get a job and this scam has literally destroyed my credit rating and my life. Please help me to remove this black mark from all 3 credit bureaus. I paid on time ... never late for years to end up with what I was trying to avoid all along. I really need help.
Company Response:
State: CA
Zip: 93036
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: During the corona virus, I attempted to make the payments each month on time however ; Ive been out of work since XX/XX/XXXX and stopped receiving XXXX benefits since XXXX. The name of the company is Santander Consumer USA. The most recent payment was Made in XX/XX/XXXX. I have fallen behind in each bill that I currently have including the vehicle. After finding out that my car had been repossessed, when you call Santander, the auto machine gives you an option to request payment options. I was never given any payment options, even after speaking to agents to make payments. I am still currently out of work, however Im due to return next month. My name is XXXX XXXX. I purchased the vehicle in XX/XX/XXXX, not even 2 years. Payments were high but I tried my very best to make them XXXX per month. I called to see if theyre were any options to retrieve my vehicle by making payments, they replied no. I have 15 days to pay XXXX XXXX before its auctioned off. I heard this company was not the best to consider however it was only option avail for approval. My phone number is XXXX
Company Response:
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander was part of the multi state Attorney General lawsuit. My loan was part of their predatory lending practices. They are and where suppose to remove the default off all credit bureaus. I have contacted multiple times santander. It's on their recorded lines deny to transfer to supervisor being nasty and or stating no we aren't doing basically what's legally required for customers following the lawsuit unless they mail the credit department asking for it. Luckily I already already have but they are still denying it and will not resolve. I know two people personally that they owe the title they are delaying tocollect money still and doing similar illegal tactics.I mailed a certified letter also to the creditor who bought the debt they refuse to acknowledge comply and harras me illegally. Santander thinks they are above the law and continue to practice predatory loan practices take advantage of consumers XXXX account number : XXXX Take care of your XXXX XXXX XXXX, XXXX ( current creditor of your original Santander Consumer account ) balance today. We understand that debt can be stressful. Your {$11000.00} balance with XXXX XXXX XXXX, XXXX ( current creditor of your original Santander Consumer account ) may be one of the many things on your mind. Work with us to set up a payment plan that works for you. Sign up for a plan today and mark one thing on your list as done. Sign up for a plan This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Copyright 2020 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX XXXX Office Hours : M-F, XXXX XXXX - XXXX XXXX ET XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Your XXXX account number is : XXXX Click here for more information about your balance Unsubscribe Dispute this debt Privacy Policy Log in to your account This was originally an account with Santander Consumer, account number ending in XXXX
Company Response:
State: FL
Zip: 34266
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2020 SANTANDER CONSUMER USA ran without my permission. XXXX XXXX ran credit without me signing consent.I took XXXX XXXX to court judge ruled in my favor to have all the auto loan inquires removed from my reports.
Company Response:
State: CA
Zip: 94544
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my credit reports there is a closed account with huge amount of missed payments. SANTANDER CONSUMER U Opened XXXX XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER U has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This old Santander account is still reporting as a charged off account when I paid the debt. It is not updating my information and is reporting incorrectly on XXXX. It is bringing my XXXX score down 100 points compared to the other two credit bureaus. This account needs to update since I paid it back in XXXX 2020. It is still showing up as a charged off account and hasn't updated since XXXX 2020.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Company Response:
State: NM
Zip: 88240
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Back in 2017 an account was open up in my name with Santander ... and the account was used for my ex to get an auto loan but it was charge off in my name .. I barely make XXXX yearly because I get ssi for my son this debt cost way more than I make and I never had the vehicle in my possession ... please help me by doing a one time deletion on this debt ...
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My state won a lausuit for fradulent practices by Santander where part of the relief was to delete the account.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A