Date Received: 2021-01-27
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: 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: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020, I submitted a notarized request to XXXX Credit Bureau to verify and validate negative items. The 30-day window allotted by law to investigate was never honored and even after many attempts have still been ignored. I have asked to have these items deleted but to no avail. I am asking the CFPB to enforce the law as stated in the fair credit reporting act. The negatives are : CHRYSLER CAPITAL XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
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: Experian has refused to delete two fraudulent accounts from my credit report. One was recently deleted and later re-inserted without reason or notice.The Bureau Even added a fraudulent address to my credit report that doesnt belong to me nor connected to any of accounts on my profile. The accounts go as follows : Santander Auto loan and a Fraudulent XXXX bill reported By XXXX XXXX XXXX XXXX. The account was included in an identity theft report I submitted to the bureau two months ago. I Also Added a official police report, copy of my drivers licence and social security number Under federal credit reporting act section 605b these account should be blocked from my credit report, however XXXX credit services has violated the law over and over by refusing to remove fraudulent account and even re-inserting without explanation. If these account arent removed from my credit report immediately.I intend to sue XXXX credit services in small claims court.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with {$20000.00} financing secured through Gateway One Lending XXXX XXXX. I continued making my payments to Gateway One up until I received a letter from Santander Consumer USA in XXXX of XXXX notifying me that my loan with Gateway One had been sold to Santander Consumer USA ; The letter informed me I would make my payments to Santander under the same terms of my original contract through Gateway One. On XX/XX/XXXX, I filed a complaint with CFPB ( Complaint ID XXXX ) due to a significant payment discrepancy as well as correspondence issues after several phone calls and letters between myself and Santander Consumer USA. The conclusion of that complaint led to the notification that Santander would be releasing the truck title to me " free and clear ''. I was also informed the payments ( totaling {$3100.00} ) I made during and after the loan was sold ( XX/XX/XXXX-XX/XX/XXXX ) to Santander Consumer USA should not have been collected due to my bankruptcy filing in XXXX and an " error '' between Gateway One lending XXXX XXXX and Santander Consumer USA. I was first informed the title was being released in XX/XX/XXXX, to be received in 30-60 days. I called back on XX/XX/XXXX to verify what I was told earlier in the month and it was verified. I called back on XX/XX/XXXX to check the status of the title and was told it was still being processed. I called again on XX/XX/XXXX and was told they are still waiting for the title office to approve the release of the title and I should wait until after the 1st of the year. I received the title on XX/XX/XXXX but I received no response on the payments I requested refund for since the payments I made should not have been collected per the Santander Consumer USA representative.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired on XX/XX/2019 SANTANDER/ROADLOANS.COM Inquired on XX/XX/2019 XXXX XXXX Inquired on XX/XX/2019 But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Company Response:
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Company is reporting inaccurate account on my XXXX credit report. Account number XXXX needs to be removed and blocked immediatly! I have made every attempt to dispute this item and the creditor has yet to remove it! This has effected my life drastically!
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I opened an account with Santander Consumer back in XXXX for a XXXX XXXX. The car was marked as a charged off account as of XXXX and is still appearing on my report. Santander keeps selling this closed account to other business and therefor still showing on my account.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
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: I have reached the end of my loan with Santander consumer usa and they say I still owe more than XXXX. And they never applied XXXX XXXX to the principal payment that I know of on at least 26 months of paymens probably more because I have been locked out of the account. I thought I would qualify for the Mutli state settlement with Santander and the 34 states but Santander tells me I am not. I need some help
Company Response:
State: TN
Zip: 37876
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX Inquired onXX/XX/2020, SANTANDER CONSUMER USA Inquiry :XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Company Response:
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A