Date Received: 2020-11-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Ive attempted to dispute this item SANTANDER numerous of times with XX/XX/XXXXasking them to verify this Debt. After over 60 days they still failed to show me how they verified this debt belongs to me. This is unfair to me and my children because this item is the only thing that's holding us back from closing on our home.
Company Response:
State: FL
Zip: 34287
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The vendor Santander Consumer USA is involved in litigation and the item being reported falls under litigation items with the company. I am requesting all reporting to stop and previously reported information to be removed from my credit file.
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: My XXXX XXXX XXXX was stolen from XXXX XXXX XXXX on XX/XX/XXXX. My insurance company nor XXXX want to be held liable for it. I have been paying the {$870.00} note since XXXX. I reached out to both and they are giving me the run around. My insurance was current and I was told to park there by the Rental car center
Company Response:
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON XXXX
Company Response:
State: CA
Zip: 95822
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/2019 I went into a local dealership to lease a vehicle and was persuaded to finance instead. Santander was the financing company. The interest was so high with a monthly payment of over {$800.00}. I figured later that I was trapped. I later found out that there were several others having the same issues with Santander USA and that there was a lawsuit settlement against them. I had found out that based on the terms and requirement of the case I would be qualified as part of the settlement. I reached to them by mail and had gotten no response to date. They however have since repossessed the vehicle and reported me to the credit bureaus. My credit is completey burdened by this and all I'm seeking at this time is a little assistance in getting some justice.
Company Response:
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I got an apr of 10.14 and its too high! I agreed to pay but I lost my job trying to fight my insurance and I got left with a XXXX debt with XXXX monthly payment that I cant pay for. even before I thought its too high for new economy car. I asked around to refinance but they dont offer and they dont offer is because they got into a class action lawsuit about the bank adding a higher apr for another year or months.
Company Response:
State: CA
Zip: 91767
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Debt is reporting on credit report that is not mine which is not allowing to obtain credit.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I'M SENDING YOU 2 SEPARATE LETTER THAT I MAILED TO CHRYSLER CAPITAL. IT'S MY HOPE THAT YOU CAN UNDERSTAND THE ENTIRE SITUATION BASED ON MY LETTERS. This is what I sent to Chrysler Capital on XX/XX/XXXX Start Date of Dispute : XX/XX/XXXX to Present Chrysler Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX Chrysler Credit Bureau Disputes : I was on one of my credit card accounts and noticed that my credit information was on there. It wasnt just a credit score ( like what Im used to seeing on other credit card statements ). I noticed more in-depth details about my credit score and why it was the way it was. Let me just say that I was completely shocked I have moved several times in my life, and I have always been able to get my mail forwarded to my new address and my bills paid ( without ever being late ). But this last move has just been disastrous for us. I had mail arriving 2 months past the post mark, mail pieces with damaged/unrecognizable contents, yellow forwarding stickers with the name of the buyer that I sold my home too, and mass confusion about whether my address is located in XXXX or XXXX XXXX ( because for some reason those two cities have the exact same zip code )!!! I also have been trying to get informed delivery for my mail and have yet to see even one, single email informing me about my mail ( even though I have opened cases about my issue to the USPS several times already ). The sad thing is that I moved in XX/XX/XXXX and things are still not exactly going smoothly. It looks like a new XXXX XXXX that I am leasing through Chrysler Capital caused my credit score to go down drastically ( by nearly 100 points )! I am sincerely and desperately asking for your help. I am requesting that you investigate our phenomenal credit history and credit scores. In the past 25 years, my wife and I have NEVER had a late payment attached to our credit reports. In the past 25 years, we have NEVER had a bankruptcy. In the past 25 years, we have NEVER had a delinquency. In the past 25 years, we have consistently had scores over 700 points. And if you wanted to look past 25 years ( before we got married ) you will find the same exemplary credit history. Heres where I need your help. Please, please have compassion on us. We moved and had things happen to our mail that was completely out of our control. We worked hard to get everything straightened out, with every company that we deal with. The XXXX payment issue was the only thing that didnt seem to surface when I was calling all those companies to get my address corrected and mail delivered to the right place. If it wasnt for my wife pulling out a pen and paper to write everything down and review the bills with me ( just to be sure ) I dont know how much longer this would have gone on. I realize that there are many ways to pay and, in some ways, there are really no excuses. Life just happened and I got overwhelmed with everyone I was calling and explaining the situation too. This bill just slipped through the cracks. The weird thing is, I even got Chrysler Capital inspections in XXXX on two leased vehicles that are going to be turned in XX/XX/XXXX. I had to talk to a Chrysler Capital representative to get those inspections doneI really wish the representative would have raised the issue with meI may not be writing this letter if they would have. Just to explain further how we really take extra care to always pay our bills on time, as soon as I realized that the XXXX payments hadnt been made, I created online accounts for all our cars ( for the first time since being a Chrysler Capital customer ) and made ALL 3 PAYMENTS IMMEDIATELY AND ELECTRONICALLY ( {$830.00} ON XX/XX/XXXX ). I created the accounts because I knew how urgent it was, especially since the issue surfaced around the new year and I couldnt get through to a representative to apologize and make the payments. I ask that you please have compassion and correct my credit reports by reversing the negative events. I am not sure exactly how you will do this and Im not exactly sure how to phrase my request, but when I went online to look at my Chrysler Capital accounts, I noticed that there was an option to write a letter to the bureau ( so I decided to write this to you ). We have been Chrysler Capital customers since XX/XX/XXXX. Since then we have always leased anywhere from 2-4 cars for our household. Please look specifically at our Chrysler Capital accounts over the years. We were never late. If you see anything that was late it was only due to a move. We have moved twice since XX/XX/XXXX. Please notice that right now we are leasing 3 vehicles! We are very loyal customers. Please dont punish us for this extremely rare event by hurting my credit. In addition, throughout the years we have ALWAYS done everything perfect, but we learned a very valuable lesson. Over the past couple of weeks we have been transitioning ALL of our bills to auto-pay. We know that we will be moving again in the next year and this disaster will NEVER happen to us again. Please contact me as soon as possible about this and do everything in your power to help us. Thank you Enclosed : A. Evidence that the buyer of my home ( my previous residence ) was getting his mail forwarded to my new address. In the meantime, I wasnt getting my mail! B. Evidence on how I noticed that my credit score was drastically lowered due to one late payment on my XXXX. C. Evidence on the most recent average credit score for my wife and I ( my wifes credit score did not get affected by this issue, so her score is still outstanding ). D. Evidence from the USPS regarding one of the rare and strange occasions where two completely different cities have the same exact zip codes, thus contributing to problems with my mail delivery. : This is what I sent to Chrysler Capital again on XX/XX/XXXX : Chrysler Credit Bureau Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX Chrysler Credit Bureau Disputes : I am requesting that Chrysler Capital provide me with a goodwill removal of the late payment on all three of the credit bureau reports. I requested a goodwill removal of the late payment a year ago ( shortly after the negative event happened ). I also have called Chrysler Capital and spoken to at least a dozen individuals and personally asked for forgiveness on the late payment. This one and only late payment on my credit report has caused me a great deal of hardship. In XXXX, I couldnt put a car in my name because of my credit score ( which went down over 100 points ). I tried to open a credit account to buy new tires and make much needed repairs to my wifes vehicle, but I was denied. Now, I am trying to buy a home for my family and Im asking for compassion so that I will be able to buy the home of our dreams. We have all suffered a lot over the past 9 months. We are just trying to pick up the pieces and wait for this covid-19 disaster to end. If we dont all work together to get through this, what are we here for? Im desperately asking for help. Chrysler Capital has the power to remove this blemish from my reports and Im begging for someone to show me mercy. The experience has taught me a lot and I now pay all bills by direct withdrawal. Please dont write or call back and tell me that you cant or wont remove this late payment. The late payment was reported by you, so a reversal can also be reported by you. Now, I am coming to you again after an entire year of living with the negative credit report. It has been a year. Im asking that you reverse the negative report because only you can do this for me. I am extremely sorry that this ever happened. It will never happen again. Please contact me as soon as possible and do everything in your power to help me. When you help me, you are helping my entire family and we would all be extremely grateful for such an amazing act of kindness. Thank you
Company Response:
State: MI
Zip: 48315
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Recently, I reached out and spoke with a representative of Santander Consumers USA. Upon speaking with the representative an agreement was made that if I was to bring the account current ( it was in 60 days past due status ) that my account would be made current and the late payments will be made current and late status removed as well. I made the payment amount of XXXX on XX/XX/2020. The account has been made current but the past late payments remain. My job is currently doing a yearly review on our backgrounds and being that I work for a finance company this may prevent me from keeping my job. This is will severely affect my livelihood. I have asked multiple times to have them removed. I have maintained a current status with my car loan since I was able to get my finances on track since obtaining steady employment. I currently solely provide for my daughter I am unable to risk losing my current job. Please advise.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Santander USA Consumer is still up to there deceitful tactics in trying to harm me financially.I am filing this complaint against Santander Consumer violating my rights under the FRCA and FDCPA. The third party XXXX XXXX XXXX did delete it from my credit report but Santander Consumer is still reporting it on my credit report account # XXXX. I have been in contact with FTC they told to reach out one more time to see if they would delete this item from my credit .I purchase a XXXX XXXX XXXX on XX/XX/XXXX and was charged off on XXXX XXXX, XXXX There are multitude of violations that they are harming me as consumer by reporting : 1 ) They are reporting to the credit bureaus inaccurate history which causing financial harm and defamation : US Court of Appeals , Ninth Circuit , No.00-15946, Nelson vs. Chase Manhattan . Extent of damages incurred by the wronged party will be deemed by the courts. 2 ) They failed to report to the credit bureaus that it is being disputed. Protection under the FCRA Section 623 fine of {$1000.00}. 3 ) The credit bureaus refused to correct information after I proved proof of inaccuracy, willfully injuring. Protection under the FCRA Section 623 CUSHMAN v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220.4 ) Santander Consumer are " Reaging '' my account by reporting the date of last activity instead of the date of 1st delinquency. Consumer Protection afforded by FCRA Section 605 ( c ) fine of {$1000.00}. They also are not showing on my credit the charge-off amount and the 7 year reporting is not listed. As a consumer according to the Attorney Generals Office claimed that Santander Consumer USAs subprime lending practices violated my consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly place me into auto loans that had a high probability of default. I spoke to the Attorney General office and he told me to place a complaint with Consumer Financial Protection Bureau and FTC. So, as I stated XXXX XXXX XXXX who brought the loan from Santander Consumer did deleted from my report. They could have kept on there for 7 year but they knew they were inviolations.So, I am asking one more time yes I have been told by the Assistant Attorney General I am going get paid because of Santander Consumer actions against me. I don't want the money I just want them to do right and have this item removed from my credit report. If they dont delete these items from my credit report for the violations to forwarded it to the Assistant Attorney General office that is over sending the money to the consumers that were validated. So, they can file legal actions. This month the FTC, State, and Federal Law Enforcement Partners Announce Nationwide Crackdown on Abusive Debt Collection. READ BELOW ; Santander Consumer XXXX XXXX XXXX XXXX Dispute Resolved XX/XX/XXXX Settlement Includes Restitution for Consumers Contact : XXXX XXXX, Assistant Attorney General, XXXX Attorney General XXXX XXXX today announced a settlement with Santander Consumer USA , Inc. resolving complaints of unfair or deceptive practices relating to subprime auto loans. The settlement resolves the Attorney Generals claim that Santander Consumer USAs subprime lending practices violated consumer protection laws by exposing consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans that had a high probability of default. Under the terms of the settlement, Santander Consumer USA will provide relief to eligible consumers by : o paying {$75000.00} in restitution to certain subprime consumers who defaulted on loans between XX/XX/XXXX, and XX/XX/XXXX ; o giving consumers with the lowest quality loans those who defaulted as of XX/XX/XXXX, and who have not yet had their cars repossessed the titles to their cars and waiving any balance on these consumers loans ; o waiving deficiency balances and attempting to buyback deficiency waivers the company no longer owns ; and, o engaging in credit repair for affected consumers. Consumers who are eligible for relief under the settlement please contacted the Attorney Generals Office. I as a consumer fall within the guidelines of this lawsuit was violated by this company. I am giving you guys a goodwill gesture because there practices have cause great harm to my credit. I am maintaining careful record of my communication for the purpose of filing this with Attorney Generals Office as I was told today. This complaint in respond to the letter I received from Santander Consumer USA on XX/XX/XXXX.. The Assistant Attorney General Office said that Santander Consumer USA that there charge off be removed from credit report under there name. This is under terms of relief for the consumer : engaging in credit repair for affected consumers. Please remove this item with every CRA asap.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A