Date Received: 2020-10-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My on time payments for XXXX and XXXX have not been reported to the credit bureaus. I have asked them to update but it has not been done
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
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: Item 1 : XXXX XXXX XXXX XXXX XXXX, Credit Card, XXXX Item 2 : XXXX XXXX XXXX, Credit Card, XXXX Item 3 : CHRYSLER CAPITAL, Auto Loan, XXXX Item 4 : XXXX XXXX, Lease, XXXX Item 5 : XXXX XXXX XXXX, XXXX XXXX XXXX Once again I'm notifying you regarding the Fraud/ Inccorect reported information on my credit report. A re-investigation is required as of my Rights Under 15 USC Section 1681n 1681, which requires your compliance with the law. Suportive documentation regarding the inaccurate accounts on my credit report will be attached to this statement. As this issue has become extremely frustrating, seeing these negative remarks on my credit report has prompted additional legal guidance on my behalf. It would be greatly appreciated if this were attended to immediately. Any information on the credit report which is not 100 % accurate and verified must be deleted. I am requesting that these items be DELETED at your earliest convenience. As such remarks diminish my authentic credit history on the attached report.
Company Response:
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have called the company several times I even sent out a demand letter so my car loan can be forgiven they reply back with a cease and desist letter which thats not what I ask for my car note is extremely high and so is my interest rate I pay every month but the balance Im stressed out majority of my check goes to my car note I need help tremendously ...
Company Response:
State: LA
Zip: 70517
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Santander has been involved in 34 Multi state lawsuit do to predatory lending.A Class action settlement has been file against Santander USA I purchase my Vehicle on XXXX XXXX.I tried several times to get this account removed from my credit report. Santander has agree to give relieve to all debts.The settlement States States that Santander shall provide additional Consumer relief as follows : ( 1 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for all Consumers who had a loss forecasting score of 401 or less and, as of XX/XX/XXXX, have Defaulted but have not had their vehicle repossessed and ( 2 ) Santander shall not repossess and instead shall provide the title to the vehicle and waive the outstanding Loan balance for any Consumer with a loss forecasting score of 401 or less who defaults in the future. Santander shall implement the relief as described in ( 1 ) and ( 2 ) by providing the relief in ( 1 ) prior to the relie f in ( 2 ). When the cumulative value of the outstanding Loan balances in ( 1 ) and ( 2 ) equals {>= $1,000,000}, Santander has met its obligations under this paragraph and does not need to provide additional relief pursuant to this paragraph. 12. Santander shall waive the Deficiency on Loans it Owns for a ) Mandatory Relief Consumers and b ) to the extent not included in a ), Defaulted Consumers who had a loss forecasting score of 401 or less at the time of origination, when the loan was originated between XX/XX/XXXX and XX/XX/XXXX, and who Defaulted within 12 months of origination of the Loan. In addition, Santander shall have an obligation to buy back such Loans originated between XX/XX/XXXX and XX/XX/XXXX in order to waive the Deficiency for those Loans, as set forth in paragraphs 14 and 15 below. The Consumers entitled to relief in this paragraph shall collectively be referred to as the Deficiency Relief Consumers. If a Defaulted Consumer receives a payment under paragraph 10 but is not a Deficiency Relief Consumer, Santander agrees that it will not collect on or sell that Consumers Loan for one year from when the Defaulted Consumer is sent. Do the this Judgment Im asking for the account to be deleted for my credit report immediately.
Company Response:
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent XXXX XXXX a letter on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back. I sent a letter to Santander on XX/XX/2020 requesting validation of debt. I include my name, social security number, date of birth, address and telephone number. It has been well over 30 days and I have not received no response back.
Company Response:
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander shows 7 late payments on credit report, asking for forgiveness on late payments promised to be on time moving forward until end of loan, trying to buy house
Company Response:
State: IL
Zip: 60803
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Santander used deceptive auto financing tactics to engage sub prime consumers. On XXXX XXXX, Maryland attorney general XXXX announced a {$550.00} XXXX dollar settlement with Santander Auto financing. For consumers who defaulted on loans between XXXX XXXX and XXXX XXXX, the assumed loan was taken out on XXXX XXXX. Per this law suit any loans taken out by any consumers during this time period will be forgiven. This notice will be sent to the consumer protection division at XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX.
Company Response:
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have been a victim of fraud I see several inquires on my credit report in which I did not provide my information
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There is a class action lawsuit against this company and this account should be deleted from my report.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I am filing this complaint against Santander Consumer USA and XXXX XXXX XXXX violating my rights under the FRCA and FDCPA. I purchase a XXXX XXXX XXXX on XX/XX/XXXX and was charged off on XXXX XXXX, XXXX. 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. Against Santander Consumer USA and XXXX XXXX XXXX : Account # XXXX or XXXX. If they dont delete these items from my credit report for the violations to forwarded it to them. 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 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 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 is in respond to XXXX XXXX XXXX XXXX attachment on XX/XX/XXXX. You should also inform Santander Consumer USA that there charge off be removed from credit report under there names this is under terms of relief for the consumer : engaging in credit repair for affected consumers. Please remove these items with every CRA asap. Also send me a letter from both XXXX XXXX XXXX and Santander USA stating it will be removed.
Company Response:
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A