Date Received: 2020-12-23
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: In 2015, I cosigned on an auto loan for my adult daughter who lives at a different residence than I do. The payments were made through autopay. The lender, Santander automatically withdrew money each month from my daughters account. Not surprisingly, the last payment was a slightly different amount. Santander did not auto draft the very last payment ( I have no idea why ). They did not inform me or my daughter that they were not taking the last payment. My daughter assumed it had been done. I was unaware there was a problem until I received notice that my credit had be severely impacted. My daughter contacted Santander and made the last payment. I have never missed a payment and have never had my credit downgraded. We solved the problem as soon as we were made aware but Santander did not notify us of the problem. Santander refuses to recognize their mistake and correct my credit score.
Company Response:
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Around XX/XX/2019 my car was repossessed, I pay all fees to get the car back then i have been paying every month on time until todays date when looking to my credit report, Santander has reported my account as a charge off. my payment has not been reported to the credit bureau and my statement received from Santander shows that my account is current but the status as charge off and its causing me a lot of financial distress.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2020 I became victim to identity theft, my bank account is cleaned out. Starting on XX/XX/2020 I contually kept calling and massaging Santander Consumer to get hardship extension, they would not respond to my messages and online chat said they couldn't help me and I kept getting disconnected on the phone with them to. Finally on XX/XX/2020 I was abled to speak with a lady who transfered me to the right department. After explaining what happened and telling them the bank has up till XXXX to credit my money, Santander consumer usa refused to help me. Knowing I was scammed originally from the dealer, probably thing were involved. They said they can't help me, yet they advertise that if your going through hardship they will work with you. I told them it's not my fault someone stole everything from me. They didn't care, and said no. I have never been late nor missed a payment and they know I was scammed po sting {$100.00} more a month then I can afford because the dealer lied to me about the amount I would be paying. All I asked for was extension till XXXX. And they made appoint to tell me any thing late will be reported to credit report up to repossession. I'm was in every emotion, someone stole from me.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Could not contact lenders and no collective bargaining or agreement was ever made with who the current lender is and how to contact
Company Response:
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Santander admitted in a class act settlement to using predatory loan tactics and I was one of the people affected. Dealers were working with Santander to use an internal scoring system to qualify people for loans instead of using a fair system to show me all the different companies I could have used to get my first car financed. Due to the dealership inflating my income and Santander 's internal scoring system I was doomed from to beginning of my car loan. I have had 6 extensions and a repossession and almost 4 years later I have only paid of 25 % of my loan. When reading the qualifications to be included in the class action lawsuit on paper I had all the qualifications except the internal score in which Santander only knows. This is unfair due to the company being able to pick what accounts are eligible and which ones are not even if they should qualify due to the terms of the settlement agreement. I reached out to Santander on several occasions to get some type of relief but they said that because I didn't default on my loan I wasn't included. My car was repossessed and I paid half of it one week and the other half of it a week later so the days of delinquency rolled back when it was over 90 days but it just wasn't reported to the credit bureaus yet. I have requested my application that had my income information to see if it was altered by the dealer and they stated they didn't have that information and to reach out to the dealer and the dealer said that they didn't have that information and to reach out Santander because they should have it and now since the lawsuit has come up in which these were their faulty business practices and also the dealer who sold me my car is no longer there I am not sure what to do Over the last few weeks I have reached out to Santander Consumer USA at least 10 times. I spoke with the executive team there. It has been a run around with this company especially when I know for a fact the things in the settlement happened to me.
Company Response:
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization 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: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2020, Santander Consumer USA was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. Santander to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. Santander to forgive loans entirely, per the settlement 3. Santander to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the Santander Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact Santander. When I call Santander, they state that I am not eligible for the settlement because I still have a balance. I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that Santander is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. However, Santander has removed the loan entirely ONLY on XXXX, but XXXX and XXXX, they have closed my account, but still show a balance. This is not correct according to the settlement.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these inquiries.
Company Response:
State: CA
Zip: 95240
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I change my old car XXXX XXXX XXXX for a new XXXX XXXX XXXX, the XXXX XXXX send the payment to Santander Consumer USA, they don't want to process my payment, tell me I going to have to pay late fees, have a negative report on my credit and making strange collectors calls, for something, I don't own anymore. I just want the turn off my Loan, they know I change my car because I get the financial with Santander Consumer Again. Thanks.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, our car was repossessed by Santander Consumer USA because we were unable to make all our payments. On XX/XX/XXXX, we were able to pay all the past due payments and associated fees and we got our car back. However, we just discovered, 3 months later and while trying to get another auto loan, that Santander reported to the credit bureau the repossession and it shows on our credit report as a " charge off '' dated XX/XX/XXXX, but they have not updated our credit report since we made the payments and have been making regular payments. Our credit report now only reflects a repossession and indicates that we never got our car back and that our Santander account is inactive as a " charge off ''. We contacted Santander on XX/XX/XXXX and asked for an explanation but they were unwilling to help. They told us that they are only required to report the repossession to the credit bureau and nothing after that. Our credit report is inaccurate and this has been hurting our credit, mine and my husband 's, for 3 whole months.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A