Date Received: 2020-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to this company via certified letters onXX/XX/XXXX in which they failed to respond asking them to validate this debt. Then pursuant to the recent lawsuit against Santander, I was advised that Santander will be required to cease debt collection on my report due to litigation where Santander was ordered by the courts to pay {$65.00} XXXX to the 34 participating states for restitution for subprime consumers who defaulted on loans between XXXX XXXX, XXXX and XXXX XXXX, XXXX and The settlement also includes significant consumer relief by way of loan forgiveness. My state of NC was one of those participating states under attorney general XXXX XXXX and my loan was also deemed eligible to receive complete forgiveness and relief from this debt. This debt is no longer owed, however upon multiple disputes, Santander continues to verify and validate this debt. This is a direct violation of my consumer rights and this account needs to be deleted from all of my credit reports immediately.
Company Response:
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: INCOMPLETE / MISSING INFO LETTER To Whom It May Concern, I am writing to challenge the reporting and compliance on an account with Santander Consumer USA that is being reported on my credit report with incorrect/missing info. More specifically, I am referencing the fact that you are reporting an incorrect account number, a missing field of usage, original balance, past due amount, and an inaccurate date of last update. Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
Company Response:
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
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 Santander 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 have filed a police report and identity theft report ( XXXX ) and still refuse to help. I will be listing some dates below that I have sent out to them : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2020 did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Company Response:
State: CA
Zip: 94015
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: statement balance is showing I owe XXXX I do not know how they came up with this balance. I have tried to reconcile my statements. I have tried to talk to them the insist i still owe all this on XX/XX/XXXX, and XX/XX/XXXX I had my boss on the line we called santander and he listened we spoke to a supervisor and she assured us if I made a XXXX payment it would bring me current and i would have another payment due on XX/XX/XXXX so my following payments would be I ended up paying XXXX and XXXX which would leave a balance of XXXX then on XX/XX/XXXX i would owe another payment balance owed XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX basicly i made 2 payments they both got reveres both payments were for XXXX i can see where thats taken off and re added what i dont get is how they say i owe XXXX???? the last statement i can get and download is dated XX/XX/16 and has a balance due of XXXX which is due on XXXX so 11 days after my payment due date? so add XXXX and XXXX bill and it would be XXXX and that is still off XXXX anyway ive called numerous times ive asked to speak to a supervisor so i am sending this all to you and disputing the ammount of XXXX my balance owed should be as of XX/XX/XXXX payment XXXX thats XXXX XXXX and XXXX payment this account is still reporting as charged off they assured me they would not report it as that and they would charge no fees this origanal loan was sold to them from XXXX
Company Response:
State: IA
Zip: 50021
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander states I didn't dispute with them yet I did attempt to dispute via Santander through various methods before disputing with the credit bureau 's. Wether their records are kept is irrelevant to me. I'm not asking for goodwill. The facts are Santander said I wouldn't be reported late if I chose to do an agreement with them which I did when the pandemic began. I was told I could pay later. In addition, I extended my lease to cover the months of XXXX and XX/XX/2020. I signed on XXXX because they hadn't offered me the document to sign sooner. And, the request for payment assistance was done prior to becoming late. I can't say anything about your records keeping but this is the whole truth.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am a federally protected consumer and Santander Consumer USA has violated me under the provisions of 15 USC 1692, 12 USC 1431, 15 USC 1681. Please review the attached documentation.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have a auto loan from Santander Consumer USA for XXXX XXXX XXXX. The loan dates are from XX/XX/XXXX to XX/XX/XXXX. The loan has reached maturity and Santander claims I still owe them {$3200.00}. I have made two additional payments since the maturity dates were reached ( XXXX and XX/XX/XXXX ) as well a double payment for the month of XXXX. The double payment in XXXX was for any late fees associated with my account. I went through a tough financial stretch at the end of XXXX and continuing into XXXX. Santander offered to cut my payment down from {$360.00} to XXXX for 6 months. I payed {$220.00} for XXXX and XX/XX/XXXX and then {$300.00} for XXXX to XX/XX/XXXX. I was not made aware that these payments would go directly to interest when I spoke to an employee in XX/XX/XXXX. I spoke to an employee on XX/XX/XXXX about my principal balance. She explained that I had accured {$300.00} in late fees. So I made a double payment for the month of XX/XX/XXXX. I also spoke to an employee on XXXX XXXX, XXXX inquiring about why my balance was so high. I asked for an itemized copy of the charges and was told that Santander doesn't do that. He instead sent my payment history. I need to settle this loan but feel like I am being taken advantage of by Santander.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent dispute letter over 45 days ago to advised creditor that are reporting account incorrectly and to have account updated. Per my request, I have advised that this account as been paid and full with no late payment history on account and to have account closed. This information listed on my credit report is incorrect, inaccurate, and incomplete.
Company Response:
State: MA
Zip: 02747
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed the following CFPB complaint with the three credit bureaus on XX/XX/XXXX : " I had an account with Santander ( Acct. XXXX ). In XXXX I had an accident and was out of work. I contacted Santander and an associate advised that I could have two deferments on the payments. I took those and the began paying again two months later. When I pulled my report recently, I noticed a string of 30 day delinquencies starting in XXXX of XXXX and running through XXXX of that year. I contacted Santander and found that apparently the associate I spoke to had only applied ONE of the deferments that was granted to me. The payments I was making after that point were simply keeping the account from going 60 days past due. This is an error on the part of Santander ... NOT on my part. I have disputed this with your bureau and it remains on my file. Perhaps Santander correcting it on their system is not enough to update it on your system. Regardless is is hurting my score through no fault of my own. '' Continued : Santander then removed the delinquency from XX/XX/XXXX through XX/XX/XXXX and then PUT THE SAME DELINQUENCY from XX/XX/XXXX through XXXX of XXXX. This is a willful violation of my rights under the FCRA. I have provided a copy of my file as it appeared in XXXX of XXXX. It clearly shows the delinquency ( that was in error ) in XXXX. I have circled the delinquency. I have followed this with copies of my XXXX XXXX showing the delinquency in XXXX ( also from XXXX XXXX. NOTE IT SHOWS NO DELINQUENCY IN XXXX. I then provided a copy of my XXXX file from this month showing the delinquency gone in XXXX but now added to XXXX where it never existed before. THIS IS HURTING MY CREDIT SCORE. This willful violation of federal law is punishable by punitive damages in a court of law.
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A