Date Received: 2020-12-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am a Federally Protected Consumer I sent notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating their claim was disputed and validation is requested On XX/XX/2020, I mailed Santander a certified debt validation letter, cease and desist, creditor/debt collector declaration, and a requested information form. The letter was mailed was delivered and signed for on XX/XX/2020 at XXXX XXXX it has been over 30 days and I have not received any correspondence from them. I am a Federally Protected Consumer Santander account that needs to be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response:
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have asked XXXX, XXXX, and XXXX along with SANTANDER CONSUMER USA to please look into to making sure this account is not an erronous, inaccurate, unverified account Account number XXXX. They are using there power to ignore my request for ALL supporting documentation. They are all in violation of 15 U.S. Code 1692 ( d ) ( 1 ) buy using illegal tactics to ruin my reputation and profit off my credit report. I am in the middle of trying to purchase a home. They are making me stressed causing me great anxiety because they are doing this to keep me at a disadvantage. They all assumed this position to keep accurate records and I believe they are not doing so.
Company Response:
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The company continues to report fraudulent accounts to my credit report when I have never signed a contract with the company. They are refusing to send me verifiable proof of an original consumer contract with my signature on it.
Company Response:
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
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 purchased a new XX/XX/XXXXXXXX XXXX from XXXX XXXX XXXXXX/XX/XXXX on XX/XX/2020. Loan in the amount of {$55000.00} was financed by Chrysler Capital at the exorbitant 9.10 % APR loan # XXXX. I have refinanced the loan with XXXX XXXX XXXX for a much lesser APR of 2.99 %. XXXX XXXX XXXX has sent a pay-off check # XXXX in the amount of {$56000.00} issued on XX/XX/2020. Chrysler Capital received the check shortly, however only cashed it on XX/XX/2020. As of today XX/XX/2020 they did not close the account and did not apply the funds towards my Chrysler Capital loan, so I have 1 vehicle and 2 open loans for it. I am paying regularly for my loan generated by XXXX and I am past due on my Chrysler Capital loan and Chrysler Capital as of today keeps saying that they are looking into it and the loan is still open. I have provided to Chrysler Capital the copy of the cashed check and they continue to say that they can not locate the funds and thus can not close the loan and credit my account with the pay off. I started calling Chrysler Capital since XX/XX/XXXX, to find why they haven't cashed the check, they claimed to never receive it. Finally, my local credit union provided me with a copy of the front and back of the cashed check, which I forwarded to Chrysler Capital. I have been calling regularly on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX and the response I got was this : from regular CSR I was automatically transferred to the Executive office that deals with complaints of Santander Bank and while the executive office employees were trying to help it did not produce a resolutions and my loan is still open. CSR XXXX, XXXX, and today XXXX were genuinely polite and trying to help, but my loan is still open and I soon will be reported to the credit bureaus. Please help me get this resolved. They have all the proof and the copy of the check, but Chrysler Capital is maliciously not posting the pay off to my account. I have made a total of over 30 calls each for 15-30 min and it has been extremely stressful for me and no one at Chrysler Capital ever contacted me back, I was the one to always call them. Please help me get my pay-off posted to my account.
Company Response:
State: FL
Zip: 34202
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I have attempted to reach out to this company to find a resolution for the inaccuracies and inconsistencies of their reporting. My FCRA rights have already been violated at this point as this particular account has consistently reported on my credit report incorrectly. I dont need them to " verify '' that this account exists etc ... I need them to rectify the FCRA violating information. I noticed CHRYSLERCAP XXXX had a discrepancy in the " payment history '', " high credit '', " past due '', " date of last activity '', date of last payment '', date opened ' section of the listings. XXXX and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX and XXXX are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. Since this account is reporting as a collection/charge off there should be no " payment history '' attached. The " high credit '' balance for XXXX is {$10000.00} however, for XXXX and XXXX its {$16000.00}. Since this account is reporting as a collection/charge off it also should not be reflecting a " past due '' balance. This account is showing a " past due '' balance of {$12000.00} which is a violation. If this is the same account, reported by the same creditor how are these numbers and dates different?
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX had me sign papers for the purchase of a truck & XXXX as a co-borrower. I never gave my consent or had any knowledge this was on the paperwork until the payment was not made in XXXX. My name is associated with XXXX XXXX XXXX XXXX which is a trucking company. XXXX XXXX who is the owner made all these arrangements with XXXX XXXX & told me all I had to do was sign for the company because he had already signed. Which I found out after the fact, he had signed nothing. I contacted Chrysler Capital & let them know I would not be responsible for these accounts & had never agreed to be a co-borrower. They told me file a dispute with all 3 credit bureaus who contacted Chrysler Capital who in turn, stated that these accounts did belong to me so they were not removed from my credit file. On XX/XX/XXXX, I called XXXX XXXX XXXX & spoke with the finance manager & told him I wanted my name removed from these loans but he stated that he could nothing for me until he spoke with his GM. He stated he would call me back but I have neve received a return call. One account is {$35000.00} for a jeep & the truck is {$54000.00}, I do not have either vehicle. If I known up front that I was going to be a co- borrower, the transactions would have never taken place.
Company Response:
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
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, SANTANDER CONSUMER USA and on XX/XX/2020, CHRYSLER CAPITAL add a hard inquiries on my credit reports. 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: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been a with SANTANDER CONSUMER USA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Company Response:
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: He considered that Santander XXXX XXXX should remove this account from my credit bureaus, because my income DOES NOT qualify for such a high monthly payment and I consider a guarantee on this business, knowing that with such a low amount of income at any time there was very high probability of not being able to pay it. I urge you to review my account and to honestly consider the removal of it, also taking into account the amount of money that was paid and the conditions and value of the returned vehicle. Thank you for your attention, I would also appreciate your cooperation, it is affecting my credit advance. THANKS IN ADVANCE. XXXX XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX I have purchased a vehicle through XXXX XXXX XXXX dealership located at XXXX XXXX XXXX, XXXX, CA XXXX. The vehicle sold to me is XXXX XXXX XXXX ( VIN # XXXX ) in used condition for the total price of {$11000.00}. I have also traded in my previously owned vehicle, XXXX XXXX XXXX, worth {$2100.00} for {$1200.00} value that the dealership has set for it. Despite the lack of credit I had at the time of purchase & my young age, XXXX XXXX XXXX dealership locked me into a loan agreement with Santander Consumer USA, the only finance bank that has approved me for the loan. Santander Consumer USA has utilized their own internal score generated to approve customers that were at high risk to default on their loan, such as myself. Specifically, XXXX XXXX XXXX has attempted to approve me for multiple different finance banks during the sale process, all of which have denied me in return due to my lack of credit & no option of cosigning, except for Santander Consumer USA. Although I was approved for the loan, I was locked at an outrageously high interest rate of 25.81 %, resulting in a finance charge totaling {$11000.00} over the 6 year course of my loan repayment. I firmly stand by the fact that this is a perfect example of predatory lending. Both parties - XXXX XXXX XXXX XXXX & Santander Consumer USA were completely aware that I was absolutely ineligible for the loan approval & was at an extremely high risk of defaulting on my loan, yet I was approved with the help of an internal score ( that I was unaware of ) that Santander Consumer USA has generated as was mentioned. The unscrupulous sale tactics performed by both parties have led to the ending result of me being stuck in a lengthy contract with a shockingly high interest rate & an overall potential risk of defaulting on my first loan ever. At the time of my vehicle purchase & contract signing, the finance department of XXXX XXXX XXXX dealership has advised me to refinance my car after 6 months of purchase. This was one of the many deceits that were utilized to persuade me into the purchase because when I have applied for refinancing, I was firmly denied due to my low credit score. Since I wasnt able to refinance, I have attempted to seek other options with Santander Consumer USA to which they havent been able to assist me with. Their response to my dire financial situation was once again utilizing fear tactics to ensure I remain on the loan & maintain my payments somehow, without a concern of how that would be managed on my end.
Company Response:
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A