Date Received: 2020-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have requested that SANTANDER CONSUMER USA # XXXX stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt Collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By Santander Consumer USA. Financial Forbearance was granted for 3-Months Santander Consumer USA, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, Santander Consumer USA, Reported to all three credit bureaus as 7-9, Late Payments. According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. Santander Consumer USA Also recently added {$750.00} In Collections Added to the Account. This is Incorrect info to the car loan. {$750.00} is from a old collections XXXX. XXXX XXXX XXXX XXXX XXXX. On XX/XX/2020 XXXX. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection XXXX.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. This Information was reported by ; XXXX Request Corrections to be made with XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on XX/XX/XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, good evening, I want to inform that there are several companies that are reviewing my credit history, I have called each of those companies but nobody answers me, I had to call XXXX so that they can cancel and start an investigation but they ask me for this certificate that I am doing it. Now please I do not authorize anyone to review my credit bureau and they are doing it only in one day they have reviewed about 10 times and I do not authorize any of those companies like XXXX XXXX Chrysler and some others. They started asking for my credit history from the XXXX and today the XXXX of XX/XX/2020.
Company Response:
State: NY
Zip: 10562
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, CHRYSLER CAPITAL add a hard inquiry on my credit report per XXXX.
Company Response:
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I had paid off loan successfully for the full loan amount. In my credit report it states that Santander USA reported that the amount was charged off and was paid for less then remaining balance. Also my payments were 70 % on time or early in my report it states only 30 % was on time payments. Santander USA was sued by 34 attorney generals for violating consumer protection laws and had to pay {$550.00} XXXX dollars resulting from the law suit.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A lawsuit was won against Santander and I fall under the criteria for loan deletion off of my credit report based off of -the time frame I opened my account with Santander -credit score & income at the time of loan signing -falling delinquent and repossession under 12 months after signing - high interest rates I was a XXXX year old victim of predatory practices by Santander. I did not have my job for more than a month, not enough income, no down payment, bad/little to no credit, no drivers license, a trade in with no title. Etc talked into a contract with Santander because they were the only bank that would accept me. I have contacted Santander on multiple occasions to inform them of not completing my credit deletion despite mandatory order. They will not do it and wont tell me why they wont even though I fall under the judgment criteria. They wont send me any paperwork requested or provide me with my credit information at the time of signing. I disputed with XXXX and spoke to XXXX. XXXX refereed me to Santander and Santander refereed me to AG Virginia. XXXX does not handle credit deleting only the restitution payments. I was told to file a complaint again. Account opened XX/XX/XXXX Behind on payments XX/XX/XXXX Repossessed XX/XX/XXXX On top of non quality consumer. Credit/income etc. I have all credit information showing I fit under the criteria for loan forgiveness
Company Response:
State: VA
Zip: 22306
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Received a loan you didn't apply for
Subissue:
Consumer Complaint: I have dispute this creditor and they say I owe it which I never sign for any car loan. I demand it off my credit report its not mine. Someone else used my credit and received a car not me. If its not off I will sue the company
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I am writing this under the provisions of the Consumer Protection Financial Bureau. I am writing this letter to serve as a formal complaint and to request relief from my Santander Consumer account. This letter also serves as this auto lender is being challenged as to recent legal proceedings where Santander Consumer was found negligent of violating the Truth in Lending Act and the Consumer Financial Protection Act. I have been a consumer for Santander Consumer for the past four years where there have been troubling patterns in high levels of debt, deceptive practices, record delinquency and abusive implementations. Santander Consumer has been engaging in predatory practices and cutting back on safeguards that were implemented to protect consumers. I am being victimized, targeted and taken advantage of considering I was a subprime consumer at the time. I did not meet the credit requirements and income requirements to be able to get approved for any auto loan, however, I was approved. The incentive structure between Santander Consumer and the dealer XXXX XXXX XXXX XXXX XXXX in indirect financing resulted in financial hardship in my life, an outstanding auto loan debt and a predicament nobody should be put in. Santander Consumer intentionally approved me for this loan with high interest and deceptive add-on fees because of the arrangements that were made with XXXX XXXX XXXX. The following acts occurred : 1. I currently have a 19.6 % interest of the vehicle which makes it impossible to pay down the loan. Over the past four years I have paid {$22000.00}. I financed the vehicle for {$21000.00} and have a current balance of {$14000.00}. 2. It is my belief that my employment was never verified for the loan amount and that information in my application may have been falsified or negligently unevaluated, in order to qualify me for a loan I am expected to default upon. It is my belief XXXX XXXX XXXX inflated my income on the loan application which resulted being approved for a loan I can not afford. Furthermore, fees are being added to my account daily, increasing the probability that a default will occur, ruining my credit and placing an unfair financial burden on me for years to come. 3. Santander failed to disclose that the loan obtained had an interest rate that is above the legal limit of interest where I reside. 4. I have defaulted on my loan multiple times due to the continuous amount of fees being added onto the loan. 5. I have been harassed over debt collection and payment options. Santander Consumer would call me multiple times throughout the day demanding for a payment. 6. The loan terms have changed after the initial contract. I believe these acts are declared unlawful in the Truth in Lending Act and the Consumer Financial Protection Act which declares unfair methods of competition and deceptive practices in the conduct of any trade or commerce unlawful. I have suffered a loss of money and credit due to this loan. Based on the multistage investigation regarding Santander Consumers violation of consumer protection laws and exposing subprime borrows to situations as stated above, the letter serves as my request for relief. Despite these concerns, Santander Consumer has no taken no action and no care to fix the situation. I have informed Santander Consumer multiple times to please look into my account because of my eligibility for the settlement, however, they showed no care to assist me.
Company Response:
State: FL
Zip: 34116
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I obtained a auto loan through Santander Consumer USA, and made my first payment on or about XX/XX/XXXX. No principle dollar amount of the loan wasnt deducted until XXXX of XXXX. They still continue to mis apply payments to my loan. They are currently being sued in a multi state lawsuit for unfair practices, and at this point I am not part of the lawsuit. My interest rate is 24 % and the loan is just in my name. With my current loan payments, mis application of payment distribution, my interest rate and other miscellaneous factors Ive been harmed. I still owe about XXXX for a vehicle that is worth XXXX. I can not sell or trade the car in.
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A