Date Received: 2020-12-26
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Santander was barred from illegal business practices in their recent settlement agreement with the attorney general. My current loan violates those terms. I signed a purchase agreement on XX/XX/20 with my fiance. The original terms were at XXXX percent interest and we both had credit scores in high 600 with no negatives. Twenty days later on XX/XX/20 the dealer XXXX XXXX in XXXX Arizona called to inform us they couldn't obtain financing and we had to sign new loan documents. After they had ran over 19 inquiries causing our credit scores to drop significantly. I was then told to go on the loan myself. The rate changed to XXXX percent. I told the finance manager there is no way I could afford that high of a payment I don't make enough. He stated it was too late the deal was already done. my income and expenses were never verified and I believe my application was altered to make their deal go through in order to profit from this predatory loan. In a matter of months I will end up loosing this vehicle as they intentionally planned which their history reflects.
Company Response:
State: TX
Zip: 78413
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: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: The company Santander consumer USA / Chrysler Capital has ignored my mail, phone calls. Since XXXX XXXX. They are charging me {$12000.00}. When the vehicle has been repossessed and sold And reporting to my credit report as charge off and still trying to collect payments. I was one of the victims from their multi state settlement that was reached out to be eligible to received payment or get the pardon to delete the company name from my credit report. On Chrysler Capital it says that the payoff disclosure was {$2000.00}. And now its more than ever Ive reached out to the 3 major credit Agency to ask Santander to provide validation of the sales and yet they have denied and still report it on my credit report as accuracy. They repossessed my car in 2017 and they still refuse to show me proof. I recently challenged them to send me the form 1099C and still ignore me.. So, I came across this post that CFPB : Santander Must Pay {$4.00} Million For Credit Reporting Violations. Dated XXXX XXXX. Hopefully someone can reach out to Santander and remind them that theyre still havent reached out to us. I also reached out to rusty consultants and put a complaint that I have not reached a settlement from XXXX on XXXX XXXX
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2020-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I was asked to be a cosigner but I wasnt aware that XXXX was going to do more than one hard pull on my credit. As you can see Ive been working extremely hard to build my credit during this pandemic to get help with buying me and my kids a home since I recieved a eviction notice. This has put me 2 steps backwards if I had known these hard inquiries would effect my score and it was more than one company checking my credit I wouldnt have volunteered. I am in a crisis and need help with remove these hard inquiries asap please.
Company Response:
State: FL
Zip: 32960
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
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 messed up my credit report, long story short, I fell behind on my car payment due to me losing my job which I reported to Santander due to me losing my normal income to receiving unemployment. I kept in touch and after receiving a new job and paying my past due balance, which this payments was reflected in my account they still reported my car as repossessed. So I called about this matter and they stated I needed to hand write a letter explaining this and they could fix this on my credit report which this is on ALL THREE CREDIT REPORTS. I wrote the letter and they stated they do not do acts of kindness for matters like mine. My payments since then have all gone to interest and almost nothing to principal. They have ruined my credit and I have still been paying as I should and my car has NEVER been repossessed and is still in my possession. Santander has messed my credit up so badly I can't even get my first home. And this lawsuit against them for them to pay my car off for their wrongful lending, I was never notified by Santander. I am still paying interest on a car that has jumped up so high unknown to me, that I will never pay it off! XXXX XXXX
Company Response:
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Financial hardships caused me to fall back on payments. I was told to keep in touch with the company Santander and send what I could. I did all of the suggested. My car was still repossessed and I owed on the car after it was sold. This made me feel like all of my sending out my last to keep the car and catch up on payments were null in void.
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Santander Consumer first repossessed my vehicle after making an verbal agreement of weekly XXXX payments. Following the repossession I didn't receive any information regarding the vehicle such as : proof all of the required notices were properly and timely given, all of the allowable redemption and cure time limits were adhered to, copies of the legal notices, where to repurchase the vehicle, and proof of the commercially reasonable manner of the resale of the subject vehicle. Recently I contacted Santander for the above mentioned information which they again failed to provide to me. Santander is further violating my rights because they are inaccurately reporting different information on each credit report : Date opened, Number of terms, High credit, Date last active, and Date of last payment.
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid this loan off, but they are still showing a charge off amount on my credit report
Company Response:
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an auto account with Santander from XXXX, which became delinquent. The car was repossessed and sold to satisfy the debt. Since that time, Santander has provided inaccurate information about this account to the credit reporting agencies. In particular, the date of first delinquency and they have listed 25 charge offs for 1 account. This has significantly impacted my credit score. I have disputed with Santander on multiple occasions. In addition, I have disputed with the credit bureaus and Santander has verified this inaccurate information.
Company Response:
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2020-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have attempted several times to have Santander remove this from my credit report because it's stopping me from purchasing a home. first it is not my account it belong to XXXX XXXX I was removed from this account 3 months after car was purchased. 2nd the car was totaled and the balance after insurance and Gap insurance paid is incorrect and the dates are incorrect. I have several time attempted to have this removed from all three bureaus and I feel like it's violating my credit reporting rights. Santander do have knowledge of this issue and fail to resolve it. Santander have an internally inconsistant error issue and is doing nothing about it, Santander has had this issue for years and fail to resolve it. I would like this account removed from XXXX, XXXX, and XXXX because even the amounts and dates are incorrect and it needs to be resole or my next step is an attorney.
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Vehicle payment is due on the XXXX of each month. Currently only 8 days late as of today XX/XX/2020. Santander Consumer USA keeps leaving messages and threatening to repo vehicle. They called 8 times in one day! Spoke with them today and they tried to bring up personal financial information like SSI/XXXX payments. We told them we are making a payment by tomorrow XX/XX/2020. This is the first time we have been late and we just bought the vehicle summer of this year. This is harassment and predatory lending!
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A