Date Received: 2020-09-11
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: " End of Term Final Bill '', dated XX/XX/20, received on XX/XX/20 via USPS, charging {$270.00} for " Exterior Damage '' that did not include any substantiating documentation of any kind detailing the type of damage or necessary repairs. No repair statement was included, nor photos, nor mechanic 's documentation that would substantiate the charges. Document indicates that it is " page 1 of 1 '' so, no documentation was excluded in error. Call to " lease end team '' resulted in assurance that " I could have gotten this information if requested '' online, making it the consumer 's responsibility to get information that should be provided by the finance company to substantiate their invoice.
Company Response:
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Hello, I have been having an issue with XXXX in regards to false information that is being reported on my credit report. I have tried resolving this issue multiple times by communicating with them via certified mail and they refuse to fix the issue. They are falsely reporting an account that does not belong to me. Santander Consumer USA Account # XXXX I have mailed out multiple attempts to resolve this issue with no help from them. I have mailed out items in XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 and most recently in XX/XX/2020.
Company Response:
State: TX
Zip: 76020
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent Santander Consumer USA validation letters back in XX/XX/2020. I have disputed this account several times asking for validation of debt and have not received any correspondence back from Santander Consumer USA. They also have incorrect information reporting to my XXXX and XXXX credit report.
Company Response:
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/2020 someone without my authorization ran my credit to obtain an auto loan and I tried calling XXXX to fix this and they would not help
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: To whom it may concern, On XX/XX/XXXX, I went into the dealership to purchase a vehicle as the vehicle I had previously purchased that was being financed through XXXX was having mechanical issues. With having bad and over extended credit I was told that they had a bank that would have no issues approving me. This was a TRAP in it self when they knew I had a negative residual income after letting me know what the payments would be. From my understanding this loan was also powerbooked as it was a corporate used vehicle that already had miles on it and was misrepresented as a " new '' vehicle. Within minutes my husband ( that had no income coming in ) and I were approved with an excruciating payment. However, we had no other choice. During the coarse of the loan I had called Santander asking to defer payments due to not being able to afford the payments ( There are voice recordings for this ) and it was at the beginning of the loan. Shortly after having the vehicle it cause so much financial burden I was forced to claim Bankruptcy. Santander did not show up to the bankruptcy hearing which resulted in no re affirmation. I did at one point continue to pay the loan after my bankruptcy. However, as stated this became such a financial burden I could not anymore. When calling Santander to see if the vehicle was out for repossession they had stated they no longer were handling my account and it was sold to XXXX XXXX XXXX. When I contacted this company I requested the Title for the vehicle as Santander no longer owned the debt and I was having mechanical issues with the vehicle. The original representative I spoke with advised me that they would be " passing '' on the vehicle and all I needed to do was send in a copy of the diagnostic report from the mechanic that had the vehicle. This information was sent to XXXX. When contacting XXXX group back to get the title I was informed by the representative ( on a recorded line ) that Santander should have never sold them the debt because of the mechanical issues and the bankruptcy on file and the file would be going back to them. When contacting Santander on SEVERAL occasions they had no idea what I was talking about and stated they were not handling the account. I then again requested for the title and was denied. I also asked if the vehicle was out for repossession on several occasions and was told no. On XX/XX/XXXX I had a man come to my door asking me for the keys to the XXXX and was repossessing the vehicle for Santander. I was a bit surprised after I had called on several occasions and was told it was not out for repo AND how could they do this during a PANADEMIC! When I walked out side I seen the vehicle had already been hitched from the rear. As soon as the repo contractor pulled off I received several warnings from XXXX in my email as the contractor was towing the vehicle improperly. When reviewing the damage to the car from the repossession it would have been impossible to pay to retrieve the vehicle and pay for repairs. I feel Santander violated SEVERAL of my consumer rights over the years and I am demanding ALL of the {$8800.00} payments I made or for the vehicle back with a clear title. If this demand if not fulfilled I will be pursuing this matter through litigation. Furthermore, a copy of this complaint and demand has been sent to the Michigan Attorney Generals office. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX Creditor : Santander Acct # : XXXX Vin # XXXX
Company Response:
State: MI
Zip: 48312
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
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: I contacted Santander around XXXX XXXX of XXXX time frame and explained I was having a Hardship with a serious health condition. The agent said that my credit reporting would be changed to reflect me being current for XXXX and XXXX and they would add those payments to the end of my contract. I recently applied for a mortgage and found the that did not take place,
Company Response:
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was pressured into buying my car and don't even recall signing loan papers, neither does my mother and she was with me. I have asked for the loan agreement several times but have yet to receive my loan agreement. SANTANDER also falsified information to the credit bureau just days before a decision was made on a {$550.00} XXXX dollar class-action lawsuit which makes it appear as if I don't qualify for a loan forgiveness option when I do. *On XX/XX/XXXX, Santander reported to the credit bureau that I was current on all of my payments for XXXX when in fact I had missed XXXX and XX/XX/XXXX. ** According to the lawsuit, Santander is required to either buy back the vehicle or give loan forgiveness to those who have been extended a subprime loan AND have defaulted before XX/XX/XXXX. If you look at my credit reports, it shows that I did NOT miss any payments with Santander but I have statements that prove I wasn't able to pay anything. They have also charged hidden fees and miscalculated interest payments so that nothing has been paid towards the principal in 2 years.
Company Response:
State: AR
Zip: 718XX
Submitted Via: Web
Date Sent: 2020-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This item was deleted off my credit then it was put back on now they said I owe for late fees I dont know what they talking about it this is me I want my drivers license with my picture ID proving that this is meI have tried over and over to get this removed when it was deleted and then they issue it back on I dont know whats going on with the system but once its off its supposed South not put back on I had to delete it a XXXX to prove it Worth in XXXX Kentucky XXXX XXXX face when this occurs
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/2020 I went to purchase a truck at XXXX XXXX XXXX. I went with another person my. We answered their questionnaire to qualify for financing. They said we qualify as a joint purchase. We did paperwork for truck purchase including attaining Gap insurance. We completed the transaction and left the dealership. a couple of miles away, a van crashed into the truck and totaled it. It was determined the other drivers fault right away.. We immediately notified their insurance, Gap insurance company, dealership, and our attorney. We diligently followed all instructions from all of the places and proceeded to wait for all the processes to occur. The amount owed for the total-loss truck was XXXX.The insurance, XXXX XXXX, issued a check for XXXX on XX/XX/2020. The service and maintenance warranties refund check was issued on XX/XX/2020. Service refund was XXXX. Maintenance refund was XXXX. On XX/XX/XXXX, the Gap insurance company paid XXXX. These amounts add up to XXXX. Throughout the period of time following the wreck, I kept up with the status of each process. I called Santander at the end of XX/XX/2020 and was told everything was paid and went about my business. About a week later I started getting calls from the Santander number that disconnected the call after answering. On XX/XX/2020 I answered another call and the woman stated it was an attempt to collect a debt and that I owed {$980.00} and that {$220.00} was 86 days past due. I was told they had not received the payments from the warranty and service refunds and to call the dealership. I did and confirmed those payments were sent. I called the Gap company to reassure they paid their proper amount. They confirmed that. After calling back and forth between XXXX XXXX XXXX XXXX XXXX XXXX, the Gap insurance company XXXX XXXX XXXX, and Santander, several representatives from Santander were unable to tell me what the {$980.00} was for. Only told me I need to pay or else it will be reported on our credit. I pieced together several details from many phone calls to Santander on XX/XX/2020. i was told that it was standard procedure to owe money on a simple interest loan, another person stated there were late fees of {$37.00} that amounted to the balance owed, and another said there were fees of {$75.00} accumulating on the account. I have no records indicating these items. The last time I called Santander I was at a high level of frustration and concern and strongly inquired why anything was owed and what it was. Each representative only stated generic this is an attempt to collect a debt & that is what is showing due & past due. I never got any of them to explain anything. The last representative told me the only thing she can do is request an audit on the account. I said yes to that, as it was the only option I was given.
Company Response:
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-09
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX car was purchased, XXXX car was stolen, Santander was supposed to retrieve car they never did. Car was never repossessed placed on credit report as charge off. XXXX, Santander lost XXXX XXXX dollar law suite which I should be included in because of when my car was purchased and lost. XXXX has removed the loan from my credit report as well as XXXX but XXXX has yet to do so even with the evidence that it should be deleted permanently. Santander or the Attorney General of California have yet to make contact with me in regards of how I will receive loan forgiveness and/or compensation for lost vehicle. I am in the process of getting a high security clearance and this is hindering the process.
Company Response:
State: CA
Zip: 92308
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A