Date Received: 2020-12-29
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. On XX/XX/2019, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response:
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had a late payment in XX/XX/2020 for the first time since being an account holder. I have had a great payment history aside from one missed payment a couple days past the deadline in XX/XX/2020. It honestly had nothing to do with any financial hardship. The truth is it totally slipped my mind due to the incoming pandemic and having two elderly parents and my girlfriend is a front line health care worker. It was a very stressful time for all Americans as we didn't know what was coming. It is in no way a coincidence that my only missed payment was in XX/XX/2020 with a previous stellar payment history before and after. The creditor actually removed it from XX/XX/XXXX after a dispute but has left it up on XX/XX/XXXX and XX/XX/XXXX. I just received another letter denying to take it down from other two credit bureaus. I wouldn't be surprised if they would rather place it back up on XX/XX/XXXX vs taking it down off the other two bureaus. I am really frustrated with the issues that I have had. I am not directing this at you personally but not ever being able to speak to anyone is beyond frustrating. I am willing to pay off the remainder of the lease or set my account to auto pay to have this removed. I have been nothing but a loyal customer and was planning on remaining so. Anything you can do to look into this matter would be greatly appreciated. I think loyalty should work both ways. I also think the worst pandemic in 100 years should hold some weight in this matter. I never asked for payment deferral or payment assistance. It was honestly just a complete oversight due to unforeseen stress and anxiety as it was for all Americans. Your time and consideration is sincerely appreciated.
Company Response:
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Chrysler capital is stating that XXXX XXXX has a credit alert on my report and is showing the wrong phone number and they cant verify. I called XXXX XXXX and they said they dont have any inquires from Chrysler today on XX/XX/28 and that there is no credit alert
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
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: 02124
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: This company never responded to a Letter of Demand in regards to a Class Action Settlement against Santander Consumer USA Inc. They are trying to repossess my car during a pandemic and when they have agreed to forgive consumers loans and present them with the title for giving us predatory subprime auto loans. I have filed complaints with multiple agencies and they have not responded to me. When they finally did respond in my last complaint they outright lied that they never received my letter of demand and it has been over 2 months since I sent that. There response is that they can not tell me my " internal customer number '' which is how they determined my interest rate that is insurmountable for an ordinary person with ordinary wages. They never verified my income and gave me an outlandish interest rate that has put me in default 3 different times over the last 2 years I have been in the loan. This class action lawsuit that they settled out of court for {$550.00} XXXX was suppose to remedy this ridiculous and predatory loan. They were expecting me to default because the amount has left me unable to eat, pay rent, or other necessities. On top of this they have negatively reported on my credit many times this year ( during a worldwide pandemic ). I am 99 % certain I am eligible for the settlement remedy which includes forgiving the remainder of my loan, relinquishing the title to the car, and removal of negative credit ratings from the company as they have done multiple times in one month ( I will add documents for proof of my claims ). Thats the difference between me and this company, I have the burden of proof that they have taken advantage of me as a consumer and they need to do what is right as I am intending to sue them for damages if they repossess this car that is not theirs anymore according to the settlement agreement. I don't believe that you all closed my case without them presenting any proof of their claims whereas I have provided proof and my comprehensive explanation. They are a scam company that takes advantage of consumers and then wants to take away their cars whenever they can't pay because they created an impossible interest rate and ridiculous terms.
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
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 is under litigation. Nationwide class action lawsuit /settlement numerous of inaccuracies reporting Dates, Amounts, & actions to address the issue by me to the company and through the credit bureaus are attached.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-27
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: My Credit Profile has been damaged by Chrysler Capital with 2 incorrect and/or fraudulent late postings on my credit profile. I had a joint lease agreement with XXXX XXXX, the lease started on XX/XX/XXXX ( 3 year lease ), the vehicle was returned on XX/XX/XXXX and Mr. XXXX purchased a new vehicle, subsequently Chrysler Capital reported this account 30 days late for XX/XX/XXXX and 60 days late XX/XX/XXXX. This can not be possible when the vehicle was returned on XX/XX/XXXX paid in full at that time.
Company Response:
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander account used to say open and delinquent after XXXX. When in fact I traded my vehicle in XXXX for another vehicle. Had that investigated by XXXX and was updated to delinquent and included in Bankruptcy. Ask XXXX to reinvestigate it two years ago. Was never included in my Chapter XXXX bankruptcy that was discharged in XX/XX/XXXX. Still paid a note a traded it in XXXX for another vehicle. When checking XXXX credit report again for Santander, it still saying reinvestigation in progress and included in Bankruptcy.
Company Response:
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2020-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/XXXX I purchased a XXXX XXXX XXXX from a XXXX dealer in XXXX XXXX Texas. The lender is Santander.From the start I struggled to pay the loan, my paychecks were only {$560.00} sometimes less and the payments were {$520.00} I believe. I did not make anywhere near enough to make payments on this car from the start, especially with a 22 % interest rate. I managed to make my payment on time every month until right after my XXXX. My paycheck was dwindling and I even tried making partial payments just so I could stay caught up but by XX/XX/XXXX I just couldnt do it anymore. Santander sent me some very nasty ugly and threatening letters about being behind and essentially bullying me to make payments I couldnt afford. I had absolutely no money and fell behind on payments completely. I called them and tried to work out a payment plan and they claimed they would lower the payment to help me but when they told me the amount it was ghastly. My original was {$520.00}, they still wanted {$470.00}. When someone says theyll lower the payments for you, you really believe it but with them knowing my situation and me explaining it over and over again they just didnt get it. At times I had less than {$1.00} in my checking account, I was only getting scheduled 15-20hrs a week and we were in the middle of a pandemic and theyre still demanding almost {$500.00}. It came to the point where I called them and told them to take the car, I couldnt do it anymore. I had no money, i was unbelievably stressed and wasnt sleeping because of this situation. I was getting no hours at work and my bf ended up buying me a used car so I could get to work and try to make a little money. They knew my situation clear and well.. I had to have XXXX XXXX XXXX in XX/XX/XXXX, I was not working from XXXX thru XXXX. I was living off of short term XXXX and my paycheck was only {$200.00} every 2 weeks. With a 22 % interest rate and only making around {$500.00} biweekly and a payment that is more than what my paycheck is at times with no money left over how do they expect someone to stay caught up. They know exactly what they are doing. They are preying on people like me. Its not even about my credit, its about principal. How on earth can you approve a loan where said persons paycheck is not enough to cover a car payment and have money left to survive. I would be out on the street if it wasnt for my bf. I would be homeless right now and Im very fortunate especially being in the middle of a pandemic. When we bought our house in order to get approved our combined income had to be 2 times our monthly payment. Youd think car loans would be to, if it was a legitimate, honest lender. They have you sign off so much paperwork, they in short terms describe what it is but everything goes so fast that youre not even thinking about that. When I voluntarily gave up my car, I had to choose car or house. I chose my house because I didnt want to be homeless because I was nearly there, I had absolutely no money even though I was working it still wasnt enough to barely scrape by. Santander sent me a statement that says the balance is XXXX. Still to this day they are trying to make me lose everything. They picked up the car in XX/XX/XXXX. Theyre settlement is {$3800.00}. Where is that going to come from? I dont have that kind of money and nowadays nobody does.it has been almost a year and now they send me a letter still demanding money. I dont even know what the amount of the auction for the car was, they just sent me the supposed balance. Something needs to be done about this because still to this day they are trying to put me on the street. They know clear and well I dont have the money but they consistently demand it. Its just unbelievable that these loan sharks do this to unknowingly people like me. A 22 % interest rate, no matter how many payments Ive made it didnt even make a dent in the loan balance, but yet I was on time until my XXXX and then the pandemic hit shortly thereafter which affected scheduled hours tremendously. Because of riots the store I worked at closed 3 times. Thats more lost money. With business struggling to make sales thats less hours too. Nobody can survive on 15-20 hrs a week, with a mortgage and utilities and other financial responsibilities. I chose to save my house and give up the car. I was not going to be homeless. That was the choice I made. I am putting this out there because I dont want anyone else going through the tremendous amount of stress and anguish Ive been through because of this car loan. From the start I was broke and they knew that. What I still cant grasp to this day is how they approve people with financial standings as myself when my income is not enough to make payments and survive thereafter. Its unbelievable and I dont want anyone else to experience nor go through what I went through with Santander. I also am contacting the FTC, XXXX and state and local governments about Santander and how they prey on people with frivolous and outrageous car loans. Again, I cant say it enough about the anguish and financial hardship Ive been going through, still to this day. As of right now Im just trying to stay afloat and scape by so I can at least close me eyes at night. Unlike Santander lenders, I dont know how they sleep at night preying on people as myself. Something has to be done as especially with the way things are, this can not happen anymore. This has got to stop, they are absolute predators. They know the loan will never be paid off with a outrageous 22 % interest rate. I was essentially throwing my money into their pockets while the balance didnt go down. Please, all I ask is you make these lenders accountable. They have got to stop approving loans for people that do not have the income to cover payments at a ridiculously high and outrageous interest rate. Bad credit or not its not right to do that to someone that is trying to build their credit. Please put this to a stop. Thank you XXXX XXXX
Company Response:
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: In 2014 I purchased my car financing it though Santander Consumer. With the paperwork I had signed and the terms were for 72 months and the financed amount. I have paid the 72 months and the agreed amount to Santander. They are trying to charge me an additional over {$7000.00}.
Company Response:
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A