Date Received: 2020-12-02
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: During the past several months I have try to resolve a situation with inaccurate reporting on my credit report regarding Santander Consumer. I reached out to the company several times an attempt to resolve this matter by even faxing over documentation that was mailed to me by the New York state general. Santander Consumer was ordered in court to resolve and delete any debt owed in between several years expand due to fraudulent loan high-interest and knowing that consumers will not be able to properly payback on time due to high interest rates which was unfair to Consumers they preyed on consumers with not so much of a good credit and knowing that they did this in a selfish manner of trying to make money illegally. Needless to say I fell victim to the situation and I regretted it ever since. I have also reached out to the credit bureaus and for investigation into this matter because after speaking with the company Santander Consumer they instructed need that they notated on the account and that it will be deleted eventually because due to high volume of account he asked me to be patient. The supervisor asked me if wanted to speed up the situation that to place if disputing with the credit bureaus and it will be notated on the account and it should be deleted within 30 to 45 days. This never happened and now I'm very frustrated and confused about the situation. I've reached back to New York state general office emailing them regarding that I have an issue with them following court orders with deleting the account from my credit report. They also asked me to be patient. This account should have been deleted long time ago especially after faxing over the same letter that was mailed to me from the New York state general office regarding being qualified for the multi-state settlement. This is the website where you can find more information regarding the multi-state Settlement athttps : /XXXX/. I can also be reached at XXXX. I asked for this to be deleted which doesnt violate my rights, thank you in advance.
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I have sent multiple letters to all three credit bureaus and Santander Consumer USA in regards to the charged-off collection account that is reporting on my credit report. The court ruling that issued to Santander in XXXX due to their unlawful lending practices. Based on those rulings, this account should be removed from all three of my credit reports immediately. I reside in XXXX and use to reside in XXXX XXXX which makes me eligible for this account to be removed. I have attached supporting documents with this compliant.
Company Response:
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern : I hope this email finds you in the best of health. My name is XXXX XXXX and the reason you are receiving this email is because of a dispute on how Santander Consumer USA is reporting a collection debt to XXXX, Acc # XXXX, {$16000.00}. This debt amount is inaccurate. The correct amount owed was {$2800.00}, Acc # XXXX which was settled and paid with Santander Consumer USA on XX/XX/2020. Santander Consumer USA already reported the correct amount with XXXX, but they are reporting it incorrectly with XXXX. As such, I would like this information to be reflected correctly and updated with XXXX and or removed from XXXX because of the inaccurate reporting. Thanks
Company Response:
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX/XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, SANTANDER XXXX add a hard inquiry on my credit report per XXXX . On XX/XX/2019, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX . The report does not include information about the creditors. 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: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Been trying to get this situation fix and removed from my credit report. They took the car and resold it fast without my knowledge and understanding.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : SANTANDER CONSUMER USA # XXXX, XXXX XXXX XXXX # XXXX, # XXXX ( 2 times ). Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX # XXXX ( 2 times ) to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical Information to you.Please Delete Address that does not belong to me : XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Please Delete Telephone numbers that does not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ) XXXX UNKNOWN INQUIRIES : XXXX XXXX DUAL CARD *XXXX Interactive * XXXX Branch via 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 Interactive XXXX
Company Response:
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: After Filing multiple Covid Hardship wavers. I had to surrender the XXXX XXXX XXXX to XXXX XXXX in XXXX. XX/XX/XXXX. Chrysler Capital refused to honor both the warranty, repair, and shotty workmanship on a car held together with plastic. Every month since XXXX had threatened to repo the car. Dealing with XXXX XXXX and XXXX corporate. Whom both laughed when I called from the side of the road broken down with my XX/XX/XXXX XX/XX/XXXX from the accident. a year and a half recovery on my arm, trying to save up over {$1500.00} in repair costs that were covered under warranty. and trying to pay the ridiculous car note XXXX refused to work with. as well as threatening and Defrauding XXXX Vets during a pandemic is a serious deal.
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: In XX/XX/2020, I used Chrysler Capital 's online checking account payment platform to pay my monthly balance. I accidently did not include one of the zeros at the beginning of the account number. The payment was rejected and I was immediately assessed a XXXX $ fee. On XXXX I called Chrysler capital to ask about the fee, and explained that I has simply missed a zero. I could not believe that missing a digit in an online payment box would instantly result in a XXXX $ fee ( the fee assessed for bounced checks, etc ). I could not understand why the online platform marketed as 'PAY WITH CHECKING OR SAVINGS it's fast, easy and FREE! ' would be so quick to assess a fee. In any case, to keep my account current, I paid both the payment balance and the fee, but I expected that the fee would be reimbursed, based on my conversation with customer support on XXXX. When I checked later on XXXX, I was told that the fee could not be returned because it was already paid, and because it was 'in the contract ' that payments that did not go through were to be assessed a XXXX $ fee. Nevertheless, I explained my dismay and a customer service agent promised to elevate the problem again. On XXXX I called Chrysler capital again to complain about the fee and was told that it was denied because it had already been paid. I have asked repeatedly for more information on the fee, and was always told that it was 'in the contract '. I asked for specification on where it was in the contract, and never received any additional information. In any case, I view this fee as extremely unfair, and that the payment system was set up to solicit mistaken entries and assess fees. I would encourage people to avoid chrysler capital. I was promised that the fee would be
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Santander consumer USA repossessed the car on XX/XX/XXXX at XXXX XX/XX/XXXX with no notification. They had my address on file they did not mail me a letter they did not call my phone they did not notify my references that i put on the original application XXXX XXXX my mother in law phone number was on the contract they did not contact her. My husband was layed off with coronovirus pandemic. this year we were evicted from our townhome i have records of eviction. We were denied food stamps and we stay at my mother in laws house looking for work. I only have a month here to find a place to live. With my XX/XX/XXXXbabies. A XXXX year old and a XXXX year old babies. Now we have no vehicle. They want XXXX to get out repossession i have XXXX. I never got my stimulus check my taxes were delayed this year. Im a united states citizen an being treated unfairly. To resolve this issue i would like the car back with regular payments. My husband just got a job since being layed off. He has not worked the first week yet. I just paid {$900.00} to get work done to the car with the mechanic i was going to reach out to pay now my husband has job. I have not been driving the car
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: SANTANDER CONSUMER USA XXXX Current Payment Status : In Collections/ChargeOff My car was totaled by a drunk driver while parked. My insurance company paid the full value of the car and what was left over around XXXX $ XXXX XXXX was from a extended warranty that I could not get a refund for. I eventually settled and paid, but Santander is reporting the account status incorrectly. Please see the reference article where Santander has settled for such practices. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A