Date Received: 2020-11-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I took out an auto loan with Santander Bank almost 3 years ago and they are not reporting my payment history to any of the credit bureaus.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2020-11-22
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: Loan sold or transferred to another company
Consumer Complaint: Original creditor charged off loan and closed the account. A month later another company shows up on a different credit credit monitoring company. It shows that it owns the debt, the account is in open status with a new opening date and a new 7 year period. The original creditor only had a year left before it was going to fall off. Is this legal
Company Response:
State: OK
Zip: 73521
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ex husband failed to refinance his truck to his name. My name was left on the loan. He made all the payments ( automatic from his account ) on time except the pay off amount, {$58.00} and a payment in XX/XX/XXXX of {$330.00} that I paid. I received a call from the loan company ( Gateway Lending ) at the time and paid it to save my credit. It is in the divorce decree that the truck goes to him. I did not know that I could have put in a motion to basically make him refinance and get my name off. I know now : ( The present company ( Santander ) never sent notification until it was 30 days late. I called Santander to get info on how to dispute this. Attached is the docs I sent to them. On XX/XX/XXXX, they sent me a letter saying they reviewed it and unable to process to remove as an act of " XXXX ''. I am not asking for goodwill, I am asking for what is fair. They then explained in the letter how I could submit a dispute to the same place I just submitting my info to. I am thoroughly confused. Letter attached. My credit score was XXXX and dropped 91 points. I would gladly share my credit report to show that missing a payment is not my pattern. I submitted the same information to XXXX - Report # XXXX and they are now reporting another 30 days late for XXXX ( pay off was XX/XX/XXXX they updated it XXXX ). I will not give up on this. I worked too hard to achieve good credit and for {$57.00} this happens. I can not give up on my good credit standing and what is fair to me. Thank you.
Company Response:
State: NV
Zip: 89436
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This company is in the business of predatory lending. They also charge misalanious fees that they call late fees or payment fees. It ruins consumers credit.
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid this fraudulent loan and fee balance off in XXXX. They reported to credit agencies in XXXX that I did not pay in full. They also reported untrue information about my payment history, making my credit score drop 83 points! I am also filling another complaint about the fraudulent loan practices and so called late fees this company engages in that have ruined my credit in the past. This company need to be investigated for its dishonest practices.
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: On XX/XX/XXXX I got a loan from Santander USA for XXXX XXXX for the amount of XXXX and my monthly payments was XXXX a month in XXXX Santander repossessed the car I wrote them numerous of letters that was certified its reporting on my credit that I still owe XXXX if the car was repossessed and the car was probably auction or sold or lease to someone else theres no way that I owe for XXXX if the car was repossessed XXXX years after I got it. Also I got something in the mail from a attorney saying that I will be getting a check because Santander was charging their customers too much money on their cars
Company Response:
State: CT
Zip: 06473
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Due to Covid 19, we got behind on payments and my car was repossessed. My husband was able to find a new job so I started trying to make small payment to catch up. Less than 24 hours after my car was taken, I called and was told I would have to call back late, because they didn't have any information. The 3rd call I finally was told I had to pay {$2300.00} to bring my account current and the repossession fees. I was willing and able to pay the full balance right then, but was told because my account wasn't old enough with them they would not reinstate my loan. The only way to get my car back was to pay the loan balance in full. This year has been a very new and trying time for everyone, I was owing up to situation. I wanted to catch up my account and continue making my payments on time going forward, but that was not a choice I was given. I am a XX/XX/XXXX and have a daughter with a chronic medical condition so transportation is very important.
Company Response:
State: AR
Zip: 72023
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander is refusing to remove fraudulently opened account by XXXX XXXX who is no longer a business. I was able to get the account removed by XXXX who did a investigation but the other bureaus are saying that sanatander is validatthe account. The account was fraudulently opened because the sales man XXXX at XXXX XXXX which is no longer a company went out of business due to fraudulent activity lied and said I was trading in my old car when I never traded it in. XXXX took a dope of my old car title and submitted it to Santander without actually taking my car. I was submitted into a loan that I never agreed to and the state of Michigan sued Santander per attorney general XXXX XXXX they are suppose to forgive my loan amount. The entire account is suppose to be deleted off all my credit reports. I have reached out to Santander numerous times they place me on hold and hang up. This is my 2nd complaint
Company Response:
State: MI
Zip: 48322
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Failure to comply on POLP and PHR request.I NEVER received a response or any proof to verify under FCRA 623 ( a ) ( 8 ). SANTANDER CONSUMER USA XXXX Date Opened XX/XX/2017 XXXX
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I HAVE ATTEMPTED TO REACH OUT SEVERAL TIMES TO THIS COMPANY AND I AM OVER IT! THIS ACCOUNT WAS OPENED UP FRAUDULENTLY!!! THIS IS NOT MY ACOUNT! FOR YEARS THIS ACCOUNT HAS EFFECTED ME AND MY FAMILIES LIFES! I HAVE BEGGED FOR YOU GUYS TO TAKE IT OFF. THIS IS NOT MY FAULT! THIS IS YOUR COMPANIES FAULT AND THE WAYS YOU USE TO VERIFY PEOPLE! I HAVE FILED IDENTITY THEFT REPORTS! I DONT KNOW WHAT ELSE TO DO! TAKE OFF THIS ACCOUNT!!!!!!!!!!
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A