Date Received: 2020-10-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In XX/XX/2020, I submitted letters to all three credit bureau 's as well as submitted a complaint through Consumer Finance and was advised to contact the companies directly to have the inquiries removed. I did not submit an inquiry to have my credit run for any auto loan and now I have several inquires posted on my credit report nor did I authorize my credit to be run.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: today XX/XX/2020 I poke with Supervisor XXXX employee # XXXX about my account and late fee and why my payments are not going to the principals and he stated since I apply for the COVID -19 my interest is 87 days late and I owe them {$15000.00} last payment made was XX/XX/2020. Covid-19 was on the XXXX and XXXX XXXX.and per day my interest is {$17.00} my due dates are the XXXX of each month and for the month of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment of {$720.00} was applied to the interest, not to the principal. right now I still own money for the interest for XXXX and XXXX since I applied for the covid-19 that's not fair.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Ive lost everything trying to keep my transportation so far I've paid almost XXXX and only XXXX has gone to principal and a maturity date of XXXX there is no way I am going to survive this if I do not get help the balance is over {$22000.00}, In XXXX I purchased a car from XXXX of XXXX. I went in hoping to resolve the bad car situation I was in after purchasing a lemon from a local dealer. The car was not working yet I was still paying the car note. I selected a major dealer hoping to resolve the situation I was in before having to have the lemon repossessed. Upon arrival I discussed with the sales man XXXX XXXX XXXX Can't recall his last name however he is no longer employed the following events will most likely explain why he is no longer working as well as the financial agent that took my application. I went in and explained that I purchased a car that was no longer working after a few months of driving it. I was hoping to make a trade into a more reliable car for my children and I being that I am a single parent of XXXX. When I explained that I was trying to trade in the vehicle they stated this would not work and to let the car go and cease paying, according to the sales manager at the time this happens all the time and I wouldn't have to worry about anything because the loan shark would write the loan off. So eventually we settled on the XXXX XXXX XXXX, my mother was convinced to sign as a co owner and we were told by both the sales manager and the finance individual who once again no longer works there that after a year of paying the high payment of XXXX on time that XXXX would automatically refinance my loan despite credit scores. This was the second UDAAP violation of that dealer. I feel that they were very deceptive when convincing me to purchase this car knowing the situation I was in and the advice they gave me regarding letting the car go because eventually the other loan place picked up my old car and still came after me for the remaining balance something the dealer promised wouldn't happen because according to the manager this happens all of the time. He had both me and my mother convinced and we are pretty smart but I guess vulnerable at the time. We believed what was told. So the previous car place I was paying along with the XXXX car payment eventually I settled with the loan place but can you image paying two car notes one for a car you are no longer driving and another where the payment was something could not afford. After struggling to maintain the payments for 12 months I called the lender to find out that Santander was not XXXX so the entire time I'm thinking I am with XXXX as the financial agent and sales team including the manager stated that I would be with XXXX and that after 12 months I could refinance to a lower payment. Santander explained to me that they don't do refinances and I would need to find a lender that would refinance my car which based on the type of loan and the value and loan balance and credit issues no one is going to be able to refinance the car. Not only being in a bad financial situation I was advised that everything I was told was a lie. So I continue to pay the XXXX with the help of some deferments by Santander I barely survived and I am still having financial troubles. So one day I go into XXXX for an oil change in late XXXX or early part of XXXX I am approached by the same sales manager asking if I received any mailing correspondence in regards to refinancing shocked I am like no I thought I was no with XXXX, ( he is like a lion preying on young women for a sale ) he convinces me to come to his desk to find out if any refinance options, apparently when I get to his desk the refinance option is out of the window due to value situations I believe he did this to mislead me to sit at his desk to yet again try to sale me a new car after explaining to him my terrible situation. He tells me that in order to recover from the financial stress I would need to let this car go XXXX XXXX XXXX because in his words ( sales manager ) the car is going back eventually apparently he even knows that I couldn't afford it. So after discussing and being hesitate he tells me again that he knows people with XXXX credit scores that let the car go and no one comes for them for the balance. He tells me that if I get a new car I wouldn't have payment for two months and this would help alleviate some financial stress. Trying to convince me yet again to let another car get repossessed that that all would be well. I insisted that this was not the way as he had told me this before and they still came for me, he proceeds to tell me to stop paying the other company that I had the settlement with and that eventually 'they 'd go away '' yes this was told to me. I continue with not wanting to go through with such and insisted he find a way to take care of the current car I have. He even joked about crashing the car. So eventually he ask to call my mother because of course he wanted to convince her to convince me to proceed. All he cared was about his sales not my situation and the high car payment was causing some nights for my children and I to go hungry. I couldn't let a car go I needed to get to work and could not afford to get another car and have Santander come for me for the loan amount. The sales manager gets my mother on the phone explains to her about the people he knows that have had cars repossessed even told her to tell them they could stop calling as if that would make any collector go away. So he convinces my mother that this is a good move, SO im torn because of my situation. He literally runs loan through with my mother and my name on the credit check and my mother never authorized her credit to be pulled however this was done, she wasn't even in the office. I took the new car home but thought about past experience and just used common sense that this would not be the way to go, especially because the new car payment was XXXX and that was only XXXX less. The next day I return the new car to pick my car up. I told them I did not want the new car anymore and was going to try to fix things with the current hole I was in. The sales manager then goes and gets another individual who tells me this is 'kind of a done deal ' I told him no it was not because my mother never even signed anything first for you to even pull her credit to get an approval for the new car. she never signed anything co signing on the new car app that you submitted. After letting him know firmly I know that this isn't a done deal the car was returned and I was able to take my car home, the sales manager convinced me to take the car home and come back with my mother to finish paperwork. This has been a very trying few years, thinking I was going to a major dealer because I was fooled at a local dealer to be fooled ten times more here was a very depressing feeling. XXXX of XXXX convinced me the XXXX time with unfair and deceptive tactics and then after explaining my financial situation tried to get me into another bogus deal. I don't want to let the car go I want to pay the loan however I will never pay the car off as most of the payment goes to interest and the payment is just too high. I need help from XXXX in getting this payment down. I feel that someone should be held accountable for their lies especially telling me that as long as I paid on time for 1 year I would be able to automatically refinance for a lower payment. My credit is awful due to the struggle with keeping up with basically another mortgage payment for a car {$600.00}. its ridiculous. I feel someone needs to help me get this payment lowered I was tricked into purchasing this car and lied to. I was even about to get tricked a second time if my intuition didn't get to me. I need help, this is my only means of transportation my mother only agreed to getting on the first loan because she was told we could refinance in just my name after paying on time for 12 months. If anyone needs my mother to testify to what the sales manager discussed with her in regards to letting the XXXX XXXX go and getting a new one she will. I just need help with lowering these payments. XXXX has caused a great deal of stress. Half of the agents who helped me no longer work there that should speak volumes. I can't believe such a large dealership would handle my delicate situation like this. They knew my issue with the car I had before coming there and I just feel someone should be able to help me. XXXX took advantage of a single parent who was desperate to have a reliable vehicle. No one cared to tell me the facts only manipulated me to believe what they said to be true. I truly hope no one else has this experience, please help!
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contact this company for years and send dispute letters to credit companies. I have requested proof or verification of this account. This company does not comply in deleting an inaccurate debt on my credit report. They do not reply.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account SANTANDER CONSUMER - XXXX - is reporting inaccurately on my credit report with XXXX & XXXX. This account is showing as a profit/loss Charge off and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.
Company Response:
State: NM
Zip: 874XX
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern, On XX/XX/XXXX I purchased a XXXX XXXX XXXX and financed {$38000.00} with Santander Consumer USA. I have paid Santander Consumer USA a total of {$39000.00} through XX/XX/XXXX. Please see the attached payment history from Santander. I believe Santander is engaging in Tax Fraud and XXXX credit is assisting them in getting away with it. Even though I have proof of all payments I made to Santander and even a payment history report from Santander they refuse to acknowledge these payments with the Credit Bureaus. I have disputed this with XXXX Credit 3 times but they refuse to correct the information because Santander continues to reply to my disputes stating these payments were never received. I am not alone here, a close friend who also obtained a loan from Santander is going through the exact same thing trying to get the credit bureaus to acknowledge payments that she has paid to Santander which they continue to dispute as well. My credit report with XXXX first stated my Balance on XX/XX/XXXX was {$38000.00} and charged off. My Santander payment report stated only {$22000.00} was charged off. That's quite a big difference. You would think they would just correct it after 3 separate attempts to dispute it with XXXX but Santander still continues to lie and the best I could get finally get them to admit to was that they charged off {$26000.00} after numerous attempts with XXXX to get them to correct it. Why not just tell the truth especially when there is a paper trail disputing otherwise. Imagine the thousands of people they are doing this to and the tax fraud this could add up to. XXXX is nothing more than an enabler to assist Santander in tax fraud. Santander profited greatly by approving my high-cost loan. Because of their abusive business practices I was doomed from the start. Their predatory loan practices cost me my job, and destroyed my credit. To collect every month on their abusive high-cost loan they harassed me on my job sometimes calling three to four times a day. Not only distracting but embarrassing. They even Reported my car to the credit bureaus as a charge off and never informed me so I could never refinance it with any other lender. In spite of this they still continued to harass me and collect monthly payments and never reported these payments to any of the credit bureaus. Santander was ordered to provide over {$99.00} XXXX in relief to thousands of California consumers who Santander approved for its abusive high-cost loans. They still continue to lie and submit false information to credit bureaus and abuse consumers without as of yet paying one cent to consumers. Santander was also required to waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander. I dont think they have waived any deficiency balances and have only lied and provided false info to credit bureaus that innocent consumers owe larger amounts that they actually do so they could take write offs for this fraudulent amount. Santander Destroyed my credit, cost me my job, collected nearly 40 grand from me and up until I am still fighting with them to acknowledge payments I made with the credit bureaus. Santander Bank is no stranger to tax fraud and was linked to a major tax evasion scheme in XXXX in XXXX and XXXX.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I continue to have issues with resolving a paid and settled account with Santander Consumer USA. I co-signed for my daughter in XXXX, XXXX. The car was financed at an astromical amount and she could not afford the monthly payments and voluntarily surrendered the car back to the XXXX dealership, resulting in a " Voluntary Reposession ''. As a result, the negative reporting was placed on my and my daughter 's credit reports. The account was bought by a Third Party Collection agency named : XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, I contacted the collection agency and asked for a settlement. They agreed and I went to XXXX XXXX XXXX XXXX ( formerly XXXX XXXX XXXX XXXX, as shown on check made payable to the collection agency ), and I borrowed {$2000.00} to send in the settlement payment. The bank issued a certified check made payable to XXXX XXXX XXXX XXXX ( who collected debt on behalf of creditor, Santander ). I received a copy of the cashier 's check for my records. I then sent a copy of the settlement agreement and check to XXXX to dispute the negative reporting and have the debt removed/updated on my credit report. This was in XX/XX/XXXX. I received a report from XXXX dated XX/XX/XXXX, which showed the debt " Paid. Closed. {$9400.00} written off. '' I saved a copy for my records and will provide as supporting documentation. The debt was updated on my credit report in XXXX. The reporting for Santander has now returned again on my credit report and shows that I owe a balance and shows it as late payments. However, nearly 4 years ago, it was already updated and removed from my credit. I called XXXX XXXX, XXXX and they indicated the debt was paid and that they were not reporting this debt, but Santander was. I called Santander 's office and they indicated they are not reporting this debt on my credit report as it was " settled ''. I then tried to dispute it online from my credit reporting site, and I was unable to dispute. This is why I am now reaching out to CFPB because I have made several attempts and this is ruining my credit status and has been reported negatively on my credit as well as my daughter 's credit, and this has been paid and settled in XXXX. I need your help in getting the proper reporting and removing a debt that was opened in XXXX, XXXX, which is greater than 7 years ago and was settled/paid in XXXX and clearly shows such on the XXXX documents received. This should not be on my credit report as it is old, but more importantly it has been paid and settled. Today when I viewed my credit reports, it shows tht Santander reported the car as Voluntarily Reposessed and a balance owed as of XXXX, XXXX. This is totally incorrect and inaccurate.
Company Response:
State: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander is reporting an account from 2013 on my credit report. I have disputed this account with Santander several times and they removed it from my credit report, but now it has reappeared once again. Santander also has listed a false phone number on my credit report as a contact number I had to XXXX their number to make contact with them. Once I made contact with Santander they advised me that they have no record of me having an account with them, but all my credit reports have this account listed as a charge off and a bad debt purchased by another company I also want any information that Santander has pertaining to any class action lawsuits against them for deceptive practices and taking advantage of customers during the time we were conducting business
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This is part of a class action lawsuit and loan forgiveness, suppose to remove from credit profile for subprime lending.
Company Response:
State: AZ
Zip: 85204
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
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: they keep saying its verified but they have not shown proof of account it is not mine
Company Response:
State: TX
Zip: 78501
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A