Date Received: 2020-12-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander consumer usa acct # XXXX Auto Loan XX/XX/2013 Amount : XXXX Original Balance XXXX Terms : XXXX months Responsibility : Joint account XXXX
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca, they are permanently closed due to malpractice! I was a victim of a scam. Most people that were scammed with the XXXX XXXX XXXX for no money down have been exhausted of payment due to the scam being found out but I havent and it isnt right.
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX have been dealing with the multiple issues running my own business during the COVID-19 Pandemic, unfortunately I was dealing with the quick growth of my business starting in fiscal year XXXX. However, as an excellent paying consumer of Santander/Chrysler Capital I respectfully request a full audit of the actual reception date, not necessarily the fund clearance date of the following payment periods : XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing XXXX late, XX/XX/XXXX showing 30-days late, XX/XX/XXXX showing 30 days late, XX/XX/XXXX showing 60-days late, XX/XX/XXXX showing 30 days late. I do not believe that these late payment periods are accurate, and I respectfully request a reset of my prior payment history based upon the hardships from the Covid-19 Pandemic. These requests are purely from professional courtesy, and the audit review could easily be eliminated through a one-time courtesy reset. XXXX XXXX
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Consumer USA should have removed the account off of my credit report and forgiven the loan due to their subprime loan predatory practices. I purchased the car from XXXX and was financed through Santander in XXXX of XXXX and had already had a vehicle with XXXX that had a car payment of over {$350.00}. They did not ask for proof of income or verification of income. Santander could see on my credit report that I already had an auto loan that was behind on payments and the amount of that loan. They still approved for the loan with little down but the interest rate was super high. The payment amount was about XXXX and added with my other car payment the amount was over {$800.00} for two cars. I tried to make arrangements with Santander back in XXXX of XXXX because I was several months behind and was in default. Then the wildfires began in my area and prevented me from being able to work but they would not help. Then I see that there was a class action against them with 33 other states involved and that notices would be sent by the end of XXXX as of today I have not received one as I believe I qualify. My address has changed. I want them to remove the loan from my credit report asap.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving calls on a daily/multiple times a day basis since XX/XX/XXXX. The number that's calling me is XXXX. Call log - all times are central XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The calls are recorded, and in Spanish. The only way I found out the nature of the calls was a reverse lookup using an internet search.
Company Response:
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-20
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: My wife and I currently have an auto loan with Santander USA on a used car opened in XX/XX/XXXX. We were given an extremely high interest rate for this loan. Santander has been sued by my state of North Carolina along with 33 other states. Santander settled the lawsuit with the State Of North Carolina and all other states on XX/XX/XXXX. To this date, Santander has not cooperated with the terms of the settlement and continues to contact concerning past due balances which were caused due to the high interest loan given for which they were sued by 33 State Attorney Generals. Santander is not adhering to the terms they agreed to in the settlement. They have provided no relief at all.
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: In 2013 this vehicle was charged off. And I have the proof. It's only showing on two credit bureau and it should be on all three
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These were hard inquiries on my report that I did not authorize, I already filed a police report and contacted the companies listed directly. XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response:
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I originally contacted Santander on XX/XX/XXXX regarding a fraudulent collection account reporting on my credit report. I spoke to someone in the Fraud Risk Dept and notified them that the account was opened without my permission or knowledge. My identity was used by my father who shares the same name as me. I requested they investigate the account. I was told I would need to mail them a dispute in writing in order for them to start an investigation. On XX/XX/XXXX I mailed Santander a dispute letter. Santander never responded. XX/XX/XXXX I disputed the account with all three credit bureaus. Santander responded to the dispute stating the account belonged to me. I was told by all 3 bureaus I would need to dispute the account directly with Santander to proceed. I then contacted Santander 's Fraud Risk Dept and was told someone would investigate the account and I would receive a confirmation via mail. XX/XX/XXXX I received an identity theft claim form packet from Santander. XX/XX/XXXX I mailed it back to them. It is now XX/XX/XXXX and Santander Bank has still not investigated the fraudulent account. They continue to report the account as late and have not notified any of the credit bureaus that the account is under investigation. On XX/XX/XXXX I filed a XXXX XXXX Complaint. Case # XXXX. The complaint was in regards to Santander consumer failing to respond to my dispute. After filing the complaint, Santander responded by contacting XXXX, XXXX, and XXXX and updating the disputed account 's information. They did not notify the three bureaus that the account was under investigation. Instead they changed the account close date from XX/XX/XXXX to XX/XX/XXXX. The date of removal was also changed from XX/XX/XXXX to XX/XX/XXXX. My credit scores have all dropped 100 plus points due to the change. I contacted all three bureaus and began disputes. The disputes all came back as verified. I was told that each credit bureau validates the information through the creditor and if I have proof that the dates were changed I would need to file a civil suit. I have copies of credit reports dating back to XXXX and as recent as XX/XX/XXXX which report the original close date. XX/XX/XXXX I mailed Santander Consumer USA another dispute letter and they have not responded.
Company Response:
State: CA
Zip: 94606
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander loan co. Is still on mu report it needs to be remo ed thier was just a multi state law suit in which a judgment against them inthe amouunt of XXXX milliin doklars.tbey also were ordered to fix ctesit on reposessed cars ect.
Company Response:
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A