Date Received: 2020-12-14
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On today, XX/XX/XXXX, I, XXXX XXXX XXXX received a notice dated XX/XX/XXXX from Santander Consumer USA , Inc. The drafted correspondence is not a mutual agreement that XXXX XXXX XXXX and Santander USA have. The letter suggests that Santander Consumer USA , Inc. has the vehicle XXXX XXXX XXXX reported as lost or stolen in their possession. Given that the events that caused XXXX XXXX XXXX to report the vehicle ( XXXX XXXX XXXX XXXX ) as lost or stolen occurred on XX/XX/XXXX and this correspondence is drafted as XX/XX/XXXX, it can be ascertained that by the many miles away Texas is from Virginia that Santander does not have this vehicle in their possession as suggested. This correspondence further goes on to say that Santander Consumer USA may take action against me if they do not get the money they are requesting from a sale. All statements in this Santander Consumer USA XX/XX/XXXX correspondence violates any and all agreements XXXX XXXX XXXX has with XXXX XXXX, XXXX XXXX XXXX, and XXXX ( Power of Attorney ). Therefore, XXXX XXXX XXXX is prohibiting XXXX XXXX XXXX or any other affiliates from aiding Santander or their affiliates whom they are indicating that they may have to pay by providing a key, tag ( s ), title, or otherwise because it violates the agreement ( s ) XXXX XXXX XXXX has with XXXX XXXX.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On my XXXX report there is a closed account with huge amount of missed payments. SANTANDER CONSUMER USA Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SANTANDER CONSUMER USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander is responsible for choosing and removing eligible accounts under the AG lawsuit for loan forgiveness. They will not remove my account although I fall under the criteria with no reason stating that I don't fall under the criteria. They keep saying that AG office handles the loan forgiveness/credit deletion but they do not. Santander has no reason to disqualify my account from the settlement and deny removal. Please see attachments
Company Response:
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2020-12-14
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: XX/XX/2015 XXXX/GATEWAY LENDING issued a fraudulent loan in my name with my personal information. I have alerted them that the account is fraud and provided them with identity theft documentation.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: there was letter dated Month of XX/XX/XXXX to Chrysler capital requesting the financial institution remove the incorrect data that dose not belong to Mr.XXXX XXXX due to cover 19 issue I did receive the respond on XX/XX/XXXX from Chrysler with already took more than 30 days that's fine they still did not remove incorrect information I receive a respond that I don't have the proper documents to move forward the Chrysler cap asked to notarize the affidavit and send require docs such as police report for id theft along with other docs I did send the document give or take 20 days later and respond came back we can not process the dispute you have not provide us enough information to remove the negative data from the report or ( account ) in fact after my review I have sent cChrysler Capital on XX/XX/XXXX with USPS TRACKING NUMBER ( XXXX XXXX XXXX XXXX XXXX XXXX requesting to remove the negative account information but this time I had sent every documents that they ask for along with my letter of demand to remove the information in fact provide every peccary step that Chrysler Capital have took to ad the negative information on my credit according to fora law how ever Chrysler was not success full to remove the information the respond was over 30 days from Chrysler the the respond was dated XX/XX/XXXX they can resolve this issue since I have not provide enough information with is not excuse I even wrote the police department that I filled the identity theft with on my letter with officer name at that division in fact there was 2 identity theft was filed on XXXX and XX/XX/XXXX how ever the Chrysler capital failed to resolve this issue again the Chrysler giving the sad excuses to not remove this account
Company Response:
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have nothing but problems with Santander Consumer USA Inc. Time And again, they continue to fail to properly manage the servicing of my vehicle loan, something that its not NEW as this company has been sued by the Attorney General 's of over 30+ states in the nation. It is obvious that they aren't doing there job correctly, they continue to XXXX at us who unknowingly were placed with this scrupulous company for our auto loan. Honestly had i been let aware that this company was going to be funding/servicing my loan with the history they have I would of said NO way JOSE. Anyways the company had the wrong information as far as my " bank '' so i cancelled the scheduled payment and manually enter a new payment, I did so to assure that they wouldn't try to request payment from XXXX XXXX XXXX ( XXXX ) which was my old bank account.. so then I would be late, default etc.. so I wouldn't have to incur negative marks or additional fees i change the form with the correct account information. Now they failed to cancel the " scheduled '' payment which the system said was cancelled or else why even give me the option to cancel.. So a couple of days later I see my account is overdrawn, why? they submitted both payments to my bank.. Now I wasnt able to properly pay my rent and other bills as my account had been over drawn .. I called and their executive team tells me that their system didn't cancel my previous scheduled payment etc .. and although this created yet another unforeseen extremely difficult financial situation for me, I had to endure it and pretty much shut up.. I was told that their payment system would be re submitting the payment one more time, I suspected this would happen the next day etc.. NO it happened 11 days later on XX/XX/2020 i see that my bank account again is overdrawn and that they re submitted the payment.. why 11 days later? I have my insurance to pay and other payments that automatically de-ducted from my bank account .. No i dont know if my bank is going to pay my other bills or decline them leading to other penalties and fees again to be blamed on the mismanagement of Santander Consumer. Nothing I have nothing ... I can't even use my account or pay other bills even though my car payment was paid fully on time .. why do they continue to create so many problems on me? even their degusting APR is a joke, that I didn't even know i was paying as my Dealer wasn't upfront about this either.
Company Response:
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2020-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My inquiry deals with a suspectedpredatoryloan I got through Santander Consumer USA ( financer ) and XXXX XXXX ( dealership ) in XX/XX/XXXX. I have a 72 month contract financed at 21.04 % for a XXXX XXXX XXXX. I'd roughly pay {$760.00} per month. My father co-signed the loan with me, I traded in a car that was being financed through XXXX that the dealer ( XXXX XXXX ) said they would pay off ( not true in the slightestsince the balance owed was added to my contract ) and I receiveda rebate of {$4000.00} since they were making room for newer models. At contract signing, principal was {$30000.00} and at present principal is {$23000.00}. To date, I've made {$25000.00} worth of payments includingmiscellaneousfees. Only {$7000.00} of that has been applied towards principal. My father filed for bankruptcy earlier this year and since then, I have been denied access to my loan account by Santander, the loan has been removed from my credit profiles along with payment history by Santander and my account is ineligible for assistance due to the co-signer filing for bankruptcy.A class action lawsuit was settled by Santander in XX/XX/XXXX and it alleges Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. I fall into this demographic but Missouri was not apart of the 34 state AGs that brought on the suit.
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: So let me make sure that I understand. Despite writing XXXX on XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( and showing proof of delivery by fax ) it wasn't until I filed a CFPB complaint that they SELECTIVELY responded and denied ever having received any one of the previous 4 letters sent to them ... hmmm. My request was SPECIFIC and based on everything I've been able to research on UCC requirements for lawful repossession. So today I sent them another letter - I WANT ALL OF THE DOCUMENTES REQUESTED - especially proof that I was properly notified of the intent to repo the vehicle because I don't recall ever receiving a USPS notification or signing for such a letter. Once again today 's letter has been faxed ( proof attached ) and I've also contacted Santander since XXXX sent documents with their letterhead.
Company Response:
State: AL
Zip: 35613
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I went to XXXX XXXXXXXX, to get a car. They told me I was approved through Santander for an auto loan. They did not ask me for proof of income. I believe the car company altered my application possibly for loan approval. I was not making more than {$900.00} or so a month and they told me they would give me a car. At the time and until recently I was not made aware Santander used an internal score. Santander never told me I actually find out a few days ago. Other institutes werent able to view my information for a car loan. I was given a loan by Santander knowing I would not be able to afford it. They knew I did not make enough to afford the payment. I have tried month after month since XX/XX/2015 to pay this car off. I called hundreds maybe thousands of times telling them I dont understand why not much of my payments go towards interest. I have paid over {$18000.00} dollars to this company on a vehicle I financed for {$14000.00}. I have been lied to so many times by Santander and threatened with repossession that this situation has caused me XXXX. I want to be treated like a human and have this loan forgiven immediately. There were times I made a payment of over {$300.00} dollars and {$20.00} dollars went to the actual vehicle. I have filed complaints and no one will help me. I have had financial issues throughout but I always make a payment and do catch up payments. Customer service tells me one thing then another then another and nothing goes together. The executive team wont let me speak to someone over the person that does speak to me. I was given an unfair loan by Santander and I would like for them to make it right.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Auto loan was purchased from Santander Car was in accident deemed total load, insurance paid car off, account showing as charge off, Santander currently in litigation also when I dispute came back as no record of loan.
Company Response:
State: GA
Zip: 31024
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A