Date Received: 2020-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern : 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. The dates below are some when I have sent out : 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: 77045
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: No matter how this is dealt with Im going to keep fighting now that I know my rights because I am being truthful & I have evidence regarding the hospitalization after the XXXX & the XXXX & the medication I was on, I have proof that my XXXX XXXX was not the score that santander gave me, I did not have any income & I never signed any document stating I agreed to a {$500.00} plus dollar car note. At the time of me getting this car I was a single mother that was recovering from a accident XX/XX/18 that totaled my car where I could not work ( I had a law suit that can verify that ) paying {$390.00} for car note {$1200.00} for rent, XXXX utilities, {$250.00} for insurance and more, {$200.00} cell bill, I still had a XXXX car note that had not been settled, unemployed for 2 months with a XXXX XXXX of XXXX. XXXX dealerships & all their lending partners turned me down & ran my credit including my own personal bank, but somehow Santander approved me with terrible credit, no Proof of income that I was able to make the payment, no money XXXX & a terrible debt to income ratio because I had literally been laid off for 2 months and I had an outstanding balance of XXXX on my previous car on my record .... somethings not right about that. Then they charged me {$200.00} more than what I was told per month & I was advised my the sales person to keep quiet once I got the bill in XXXX because really I wasnt suppose to qualify and Id be out of transportation .... this was manipulation & a terrible sales tactic. thats not right at all & I will not allow myself to be taken advantage of. I did not sign any documents especially none for {$560.00} a month. I know my rights.
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XX/XX/2020, XX/XX/2020, XX/XX/2020 dates I have tried to contact this company to request a 90 day forbearance or assistance due because of Covid19 I loss employment and am waiting for my the State of Georgia to catch up with it's backlog for unemployment payments and applying for as many positions that I show well qualified for. However I have attempted to contact Santander via phone, chat and their message portal. When I reach a representative they can not help me because the way they have coded my account no one can see my account. This was the other reasoning behind my last complaint. I am not in an active bankruptcy. Santander has never been listed in any bankruptcy for me. Until XX/XX/2020 I have made the majority of my payments prior to the due date. If I were under a bankruptcy making consistent direct payments to your creditor would nullify the bankruptcy. I can not be considered for any assistance because no one can see my account information to make a determination. This is ironic. My complaint is that my creditor 's customer service department will not talk to me. Since they can not talk to me to discuss my loan options they are denying me any options. Their chat now tells me to contact customer service. When I contact customer service they say they can not access any information on my account other than to transfer me to another department. When they transfer me I get someone in the legal department who does not have access to the information on my account, they do not have the information regarding my options and they are not authorized to negotiate and make a determination regarding those options.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Santander consumer financed a vehicle for me in XXXX of 2014. For one they didnt ask for paystubs to see if you g I could really afford the car they just gave me a certificate to go to the dealer and pick out the car. I have paid Sandtander almost 15000.00 in interest and still owe them almost everything I owed when I got the car. I was taken advantage of by Santander from day one and they still want another ther XXXX for a car thats only worth XXXX. I want this loan settled and closed and I want my title ASAP! I did receive the letter advising that they owe me money but I want my title also. If they dont fix this situation ASAP they are going to hear from my attorney and I will also report them to my local news station.
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I had an issue with Santander Consumer XXXX accepting my vehicle payment via ACH as to not have to incur additional fees. On my first payment I utilized XXXX ( for which i too complaint to CFPB as the did not pay the companies as I had asked them too ) I gave them the routing number and checking account number yet for an unknown reason they XXXX did not pay Santander Consumer as I had requested them too there by making my very first car payment late but not only that they also made me incur additional fees all which i paid to Santander, in fact. When I found out that they payment was not made I immediately made payment in full for the entire amount to Santander Consumer that was over {$900.00}. Well due to the fact that XXXX failed to do what I had asked them to do with my moneys. I decided to close my account and referred them to the appropriate agencies that over see banking, as this company made me incur fees etc not just with Santander but XXXX XXXX and others. Very much negatively affecting my credit etc. Nonetheless I acquired a new bank account with XXXX XXXX, however Santander disabled the ability for me to make a payment via ACH with my new account. This is wrong as they now want me to make a payment to my loan via a service that makes me incur additional service fees to make my monthly payment. This company is all ready known for their egregious unethical and immoral behaviour when it comes to servicing consumers. They have been subject to numerous lawsuits and complaints by Attorney Generals from 34 states including my CALIFORNIA attorney general. They failed. I have chat logs where I asked the customer service agent regarding this and she was unable to provide me with a solution or a reason why they have refused to allow me to make payment via my bank account as they so blatantly advertise to all customers including my self still. They denied my ability to make a payment that doesn't incur a fee. In Fact just this month I was trying to pay through their website even though I would have to pay an extra fee just to pay my loan but they still wouldn't allow me to.. for some reason they blocked me from that ability as well, i had no other choice but to make a payment via the phone and through my card visa their by incurring even more charges than I would have had I been able to pay through the website it self. I called them and the provided me again with NO help or solution. Ive had to pay extra on top of extra to just pay my loan.. I want justice and fairness, I want to be able to pay my loan like everyone else and I don't want to have to pay even more fees. They all ready have charged me an extremely high APR .. This company is abusive and should not be allowed to be selective, I opened my new checking account just so i can make payment of my car but Santander Consumer wont let me pay my car loan with out extra fees.
Company Response:
State: CA
Zip: 92102
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In short I've been fighting this debt for about 3 years now XXXX XXXX XXXX bought my old car loan from Santander USA after it was repossessed when the car was repossessed I only owed about two maybe three months of Miss payments which would have totaled at most a little over {$1200.00} I have contacted XXXX XXXX XXXX let them know this they acknowledged that they had paperwork saying Santander USA would continue my car loan if I paid a little over {$1100.00}, I communicated with them multiple times that that is all I owed once the car was repossessed they were not allowed to be charge for the entire loan they still keep trying to charge me and now I want to stop with me from buying a house and I would like this entire debt removed as they willingly continue to purchase the wrong amount of debt in order to gain the most money for them, if a car is repossessed and is still in good working condition able to be sold again from my investigating they are not allowed to charge the full price of the vehicle but they're still trying to do that.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hello, I used Chrysler Capital to finance my XXXX. Well long story short, I went with a local bank for better service. I had the local bank pay off my loan and Chrysler Capital applied the amount a on my due date for my payment but did not show the transaction on my online history. So, I paid the monthly payment amount of XXXX on XX/XX/2020 at XXXX XXXX. I have a confirmation number of XXXX. I talked to a rep from this bank on XX/XX/2020 Chrysler Capitol will not return my payment on the paid in full closed account unless I fax them my Bank statement with the transaction at XXXX. I do not feel Chrysler Capital needs to see what is in my bank account or any other transactions on my statement. I feel this bank is trying to fraud me out of money I do not owe them.
Company Response:
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am the victim of identity theft. The FBI and the police have cleared me from what the fraudster that stole my social security number and date of birth did with those identifiers. The fraudster, XXXX XXXX, was arrested and he used my identifiers when arrested. He was given a bond with him using my info, as they thought i might be using an alias. The fraudster never showed up in the future, so the authorities chased the identifiers. I claimed i never did any of the acts the fraudster committed. The police said they hear it all the time. I demanded the police check my fingerprints. When they compared them my prints did NOT match the fraudters. I was released. The FBI said in court that anyone can claim a different name, change addresses, states, hair color and styles, but no one can change fingerprints. I was not the fraudster. Santander ignored all the facts and denied my id theft claim. Harmful and wrong.
Company Response:
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I made my monthly payments for both XXXX and XXXX on time not to mention the payoff payment made in XXXX and the company reported the payment 30 then 60 days late then closed. There were fees tacked onto the end of the loan due to financial hardships which resulted in a repossession over 2 years prior but the loan company added these fees to the end of the loan and according to their website every time a payment was made, the minimum payment had been made on time. They took the payments made in both XXXX and in XXXX and dispersed the payment in different areas and then reported the payments late. Each month the payments were made for a total of what their site said was minimum ( as well as according to loan terms ) and they also never called inquiring why any payment was late which is their normal process when a payment is ever 2 weeks late or greater ( this comes from financial hardship experience ). So why are my payments which were made accordingly and in the amount of every payment prior being marked as late. This is extremely impacting my credit score which Ive worked very hard on for the past 2 years to improve and am now possibly not going to be able to purchase a home when I did what I was supposed to. Ive tried to talk to them, they continue to accuse me of making partial payments, they have stated they will request and audit but still refuse to correct this even though I have proof from my bank showing I made these payments in one full amount and their website even shows my payments were made on time and in the full amount.
Company Response:
State: MD
Zip: 21114
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Good Day, I am XXXX XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Company Response:
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A