Date Received: 2020-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: he class action multi state settlement includes my loan repossession I have called Santander consumer attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. I have obtained a copy of the judgment to attach to this if I dont qualify for the deficiency wavier I would atleast like an explanation as to why.
Company Response:
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
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: Hi, I used a COVID 19 relief program with Chrysler capital to defer my payments for a few months. While setting up this program I was told that auto payments would resume at the end of the term. This did not happen. Chrysler Capital did not contact me or send me any statements or letters after my deferral was up. I got a bill after 45 days saying I owe 2 payments XXXX $ I immediately called them and asked why my account was past due. I payed the XXXX $ immediately and set up auto payments. During this call I spoke with a supervisor who assured me this wasnt my fault and it was Chrysler capitals fault. I then noticed a week later that my credit score was affected by this mistake. I called Chrysler cap, explaining the issue and the employee assured me that they would contact the credit department and remove this from my score. Month goes by and no changes. I filed a despite with XXXX XXXX explaining that this was a mistake due to natural disaster. ( There is a note on my credit report confirming this ) transition denied my dispute. From here I called Chrysler cap. transferring from department to department till I got to the central office for disputes. I spoke the the manager here and he agreed that this situation is their fault and said he would launch an investigation. It has been months since I last spoke to him and he wont return my voicemails. I have tried everything to set this situation straight and I feel like this company is being unfair and dishonest. This has affected my credit score and Im very upset with the lack of accountability on their end. Please for the love of god help me resolve this situation.
Company Response:
State: VT
Zip: 054XX
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: Information belongs to someone else
Consumer Complaint: Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on 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 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: 77026
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: Information belongs to someone else
Consumer Complaint: I provided all the proof needed to show Santander Consumer USA was chasing me for a debt from the fraudster who used my social security number for years until my wife passed away back in 2018. I contacted this company and they told me they were denying my claim, even with a stamped certified, notarized police report that this was NOT me, and I was a victim. This company lied its XXXX off in reply to my other complaint. I am including that letter of lies from them, and a shot of the account on MY CREDIT FILE, even though the fraudster had a different name, state, and address than me. Plus different work info. This company lies and placed that account back into my file after I gave this company my correct information. That is ILLEGAL. Taking my info after my ID THEFT claim, and putting it into the FRAUDULENT account. Stop them, demand this company to remove that fraud account from my SOCIAL SECURITY number innediately.
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Investigation was not properly conducted in a timely manner
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: . I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. Certified Mail tracking # XXXX XXXX XXXX XXXX XXXX of the last letter,
Company Response:
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I pull my credit as XXXX XXXX service women in XXXX XXXX for 1st time in years on XX/XX/XXXX. I found out that my car that was repossessed in XXXX 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. Santander Consumer USA had my account # XXXX that I purchased XX/XX/XXXX until they came in repo it XX/XX/XXXX was saying it place in Collection/charge off. I would like this item to be deleted off my credit report because it is put of the resolution to the settlement Santander Consumer USAs Subprime Auto Loan 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 by the Attorney Generals Office. As a consumer I 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. The Attorney General 's Office have told me to send the respond to them if they don't resolved this matter.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My car was paid off in XX/XX/XXXX, but the lien never released. I didnt know the lien had not been released until XX/XX/XXXX when I attempted to get another title. I had to pay for a lien release letter but the SC DMV would not accept as it was not the original lender. In XXXX I was told that I would receive a notarized one in the same letter with 15 days, I have. Or received this letter. On XX/XX/XXXX or XXXX, I was told a supervisor would email or call me to confirm this notarized letter had been sent, as if XX/XX/XXXX I have yet to hear from a supervisor or receive the notarized letter from Santander Consumer Credit.
Company Response:
State: SC
Zip: 29412
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Around XX/XX/2020, I sent Capital Chrysler an insurance check for them to sign and send back. My name was on the check as well as Chrysler Capital. This was for an insurance claim I filed due to an auto accident. The vehicle has been repaired and has been ready for pick up since the end of XXXX. Chrysler Capital requested a final estimate and a W-9. The repair shop and I have sent these documents multiple times and in multiple fashions such as email, fax. Chrysler Capital claims they have not received them. I do not know why they are giving me the runaround. They need to send XXXX XXXX XXXX the check so I can pick my car up.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a joint account for a car loan with Santander Financial for a car loan. The loan was previously delinquent ; however, the loan was brought current as of XX/XX/2020. On or about XX/XX/2020, Santander reported to the XXXX/XXXX/XXXX that the account is 30-59 past due ; despite the account no longer being past due. I contacted Santander this morning and was advised that they will not update the credit reporting further, and that if I have a problem with it, I will need to send them a letter in the mail to dispute the reporting.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A