Date Received: 2020-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I spoke with an unwelcoming and unruly phone SantanderConsumerUSA Agent named XXXX ( ID # XXXX ) who first rudely told me that a change date request mistake could not be reversed in the system. I requested for it to be escalated to a manager whom I never spoke with.
Company Response:
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am a federally protected consumer and Santander has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Company Response:
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-20
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have overpaid on my vehicle due to the hidden fees of this company Santander USA and also extending financing without the consumers knowledge when a loan is in default. I am still paying interest on a loan since 2015. This loan was for {$32000.00}. I have paid them close to {$45000.00} and the company is still stating that XXXX is owed. I have also have been violated as a consumer because this companies preys on individuals and place them into auto loans with a high probability of default. This company is now being faced with a XXXX XXXX lawsuit in 34 state South Carolina being one of them. I have a repossession/redeemed reporting on my credit when I reported that my Mom passed away and I financially wasnt able to afford the close to 700 payment per month they were charging with the late fee. Also reporting months of late payment when arrangements were made for the payments and they were deducting the funds. This default has stopped me with my home purchase and is hindering my credit. Santander is required to provide relief to consumers and, moving forward, is required to factor a consumers ability to pay the loan into its underwriting. They have yet to reach out to individuals but are still charging the high rates and auto payments they are being sued for.
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-20
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: My credit score was XXXX before Santander Consumer USA did something negative to my credit. Obtained loan : XX/XX/2018 Have made payments every month, they will not release my credit score. I have a letter from them stating they have received my request to reinstate credit reporting. I am in XXXX XXXX, I work everyday, and I go to college full time. Santander has totally wiped out my credit.
Company Response:
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a federally protected consumer and Santander has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Company Response:
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I co sign for my daughter at XXXX dealership and notice 6 to 7 inquiries on my credit report from different lenders.
Company Response:
State: NV
Zip: 89166
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-19
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I went to purchase a car in XX/XX/XXXX. I was coerced into a predatory loan and finaced by Santander Consumer USA Inc. The interest rate is 23 %. My monthly payments are {$600.00}. I can not afford that payment. The Company knew that i did not have much income at the time of purchase, yet it qualified me somehow and stick me with this high payment that is on the road they calculated for default.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2020-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Good Afternoon and happy Friday! Listen, i was really shocked and extremely surprised today when i refresh my credit report and noticed that my auto loan from Santander continues to report incomplete and unverifiable information for the past year or more. Specifically, i noticed that they are reporting an incorrect, erroneous balance of {$16000.00}, where my correct and legal balance is {$15000.00}. Also, i noticed that they market me late on XXXX and XXXX of 2019 for 30 days, however, i had signed an agreement that those months were deferred and put on the back of the loan and make the terms longer. There are so many incorrect and inconsistencies with the way this auto loan is reporting and it's a violation towards my consumer right and i honestly don't want to waste anyone 's time going back and forth. I would rather either this account made current removing all the late remarks or simply remove this entire tradeline from my credit report.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A