Date Received: 2020-08-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a loan with GATEWAY 1. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and GATEWAY 1 with no successful resolution. XXXX XXXX XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Good Evening, this account continues to report inaccurate, incomplete and unverifiable information. Was there a lawsuit against this bank before for loan deceptive? Santander Reaches {$550.00} XXXX Settlement With 34 States Over Alleged Deceptive Auto Loan Practices '' XXXX XXXX : XXXX : XXXX? XXXX XXXX states, including Connecticut, California, Florida, New Jersey XXXX New York and Pennsylvania XXXX have reached a {$550.00} XXXX settlement with automotive financing company Santander Consumer USA Inc. to reimburse consumers for alleged deceptive loan practices nationwide. '' I've disputed this account several times and asking for several types of documents included and pursuant my federal and statutory laws in regards to repossession of the vehicle. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus and yet they stated that they've verified this account as accurate. It's impossible. Im really worried that some of the information on my credit report on this account about may be reporting inaccurately. I understand that you must have procedures in place to respond to questions about credit reporting. It looks like some of the details that you guys are reporting arent true. For example : Account Type shows Auto Loan when I thought the correct term for this alleged account was credit sale. Anyway, can you please help me understand whats going on? Id like to see the following documents so that I can compare them to the information on my credit report. I would appreciate a thoughtful response from your office. Please dont send me an unintelligible response that doesnt address my concerns. Heres what Id like to see : 1. The complete original alleged promissory note that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The Calculation of Surplus or Deficiency letter 6. Any additional finance contracts including those related to insurance or finance products 7. The buyers guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note Thanks for your prompt attention to my concerns,
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I told them that I would file bankruptcy because I couldnt afford payments and they knew the interest rate was to high upon giving me loan they continued to rack up charges on the account in late fews making it hard to pay my normal payment a month. Then I was told to voluntary give the car back and that I wouldnt have to pay balance if there was one
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is a notice of dispute pursuant to the Fair Credit Reporting Act, section 623, subsection ( 8 ) ( D ). The specificinformation being disputed is the derogatory nature of the information you have furnished to the creditreporting agencies in connection with the above mentioned account.The basis for my dispute is your company was required to notify me prior to, or no later than 30 daysafter furnishing the negative information to the consumer reporting agencies, in writing ... that suchfurnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation you complied with thisrequirement.Therefore, provide me documentation of notification ( i.e. a copy of the notification sent ), and proof that it wasdelivered to me in a timely manner ( i.e. a dated certified mail delivery confirmation with my signature ) .If you can not provide proof of notification and date of receipt, then you can not substantiate youfollowed the procedures required under the Fair Credit Reporting Act. In addition, by not being able tosubstantiate you performed your duties imposed under that title, you are now in direct violation of it.Therefore, the continued reporting of negative information to the credit reporting agencies in connection withthe above mentioned account may constitute the furnishing of false information with malice or willful intent toinjure me.To correct this error you must delete the account in its entirety, or permanently block the reporting of saidaccount, report the results of your investigation to the consumer reporting agencies to which you furnished theinformation, and provide me written confirmation thereof.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I have received your response regarding my account with you, but it I disagree. I have proof that Santander Consumer participated in illegal activity. I went to pick up the car in XX/XX/XXXX, however was told to return it if u couldnt pay more money ( yo-yo sale ). I have proof that the documentation you submitted to me has been altered as I have the original copy with me. I ask that my account be deleted and closed from my credit reports. I do plan to seek legal action if necessary. Date : Vehicle : Amount Financed : APR : Term : Monthly Payment : Dealership : XX/XX/XXXX XXXX XXXX XXXX {$17000.00} 25.94 % 72 months {$480.00} ( first payment due XX/XX/XXXX ) XXXX XXXX, XXXX XXXX : CFPB Case No. : XXXX Santander Account No. : XXXX
Company Response:
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Sometime in late month of XX/XX/XXXX I requested an extension for two months of paying my monthly car loan with Chrysler Capital Finance and it was approved to skipping XXXX and XXXX payments and first payment starts on XX/XX/XXXX. I made payment for XXXX, but my payment applied for XXXX which they reported as late payment to the credit bureaus and add late payment charges on my loan amount. The following month which is XX/XX/XXXX, I made two payments which double my monthly payment and all of it was applied to and interest alone and no payment for XX/XX/XXXX if I can recall. There after, although I am making payment on time, I am being reported to credit bureaus as late payment and being charged extra interest added on my loan. This is not the only time I am having problems with this company. In the year XXXX and XXXX, I did also requested the same extension and was granted and did the the same thing. My original loan was at {$24000.00} and my schedule payment is {$660.00} per month and I am still owe a balance of {$21000.00} as pay off. Now my account is in charge off since XX/XX/XXXX and the car is the process of being repossessed.
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: XX/XX/XXXX, I got a car financed through Santander Consumer USA bank for {$12000.00}, now it is XX/XX/XXXX without missing a payment. My loan is still {$10000.00}. It only went down that little because I started paying more. The XXXX loan was 72 months and the interest was already inside of the payment {$320.00} and then they added a simple interest also. I discussed this with several Representatives nothing never changed. I am not reaching out to you for help. Because if I haven't paid this loan down by now, it will never go away. Thanks
Company Response:
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: im now trapped in a 8 or 9 year car loan with no end in sight
Company Response:
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Filed dispute on XX/XX/2020 requesting copy of the contract with my authentic signature.under the FCRA I am allowed to make this request.it has been 40 days and I have not received contract with authentic signature.The FCRA allot 30 days for a dispute to be completed.
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A