Date Received: 2020-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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: FL
Zip: 32025
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: The reason that I am writing, is I bought a car at a 30 % interest rate because I could pay large amounts and because the dealer assures me that I could refinance within 6 to 12 months. Santander Consumer Bank, the lender, doesn't give you the proper information to make an educated decision as a consumer. Case in point, I owed XXXX, and I paid {$1000.00}, that left me a balance of XXXX but that balance was disclosed the next day. So that same next day I sent in a payment of {$100.00}, only to find out the following day that {$8.00} had already been assessed in interest, leaving me with a balance of {$10000.00}, when I was expecting a balance of {$9900.00} or so. The problem here is that when you make a payment, the bank doesn't communicate upfront what goes to principal, and what goes to interest, so I was deprived of making a sound decision, ( sending {$1100.00} to begin with ) because the bank controls the information related to the amount of money that they are charging me and when, and delays responses in order to accumulate more interest. If you compound this with the dealer giving me completely inaccurate information regarding refinancing within the time frames communicated, it is evident that something is very wrong here. I am fortunate that I can produce an amortization table, so I can see the numbers and what is going on, but imagine those who cant. I never expected that I would have to produce my own to keep the bank honest because I thought they had a fiduciary duty to the borrower.
Company Response:
State: CA
Zip: 90004
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The vehicle was traded in XXXX and a payoff amount was sent to Santandar in the amount of {$14000.00} on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. The pay off amount was incorrect and I was not notified until it was reported as 30 days late. The dealership was notified and sent in the remaining balance of {$39.00} on XX/XX/XXXX. I was not notified this occured until it was reported 30 days late to my credit on XX/XX/XXXX.
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I, XXXX XXXX XXXX received a letter from Santander indicating that they did not receive my first payment. However, the payment ( s ) were sent to XXXX XXXX. It has been requested that XXXX XXXX forward the two payments, which exceeds the taxes, title, and tags as well as electronic filing fee amount ( s ) requested. The balance of approximately {$30000.00} should be paid as originally suggester by consumer, XXXX XXXX XXXX.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I submitted a payment via XXXX XXXX at XXXX on XX/XX/XXXX, that was intended as a principal only payment. Santander applied {$120.00} to interest and {$270.00} to fees. I have no issue with the amount applied to interest ; however, I requested the {$270.00} to be applied to the principal balance or to the next payment but they refused. I am aware of the unlawful repossession fees they charged to me on the loan. I spoke with someone regarding a payment arrangement that was accepted and they repossessed the vehicle anyway. When I advised they could keep the vehicle, they gave the vehicle back for the same amount of the agreed-upon payment arrangement. This was in XXXX or XXXX and these fees have been on the account since that time and can remain there until the end of the loan. Please see the attached transaction history.
Company Response:
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: CHRYSLER In XX/XX/2020 Chrysler offered Covid payment deferment, however, failed to mention it could take 45 days and they would report you to the credit companies for late payment if any payments we paid late even with APPROVAL of deferment. Our account was current, filed for deferment, we were told it was placed on our account as approved, and then next month was informed on our credit monitoring that the payments went in our credit as LATE PAYMENT, hurting our credit scores tremendously. Since then I have written two letters to the resolution department for Chrysler, I have been informed there is apparently no other way to contact them, no phone number just a PO BOX . And have yet to get this situation resolved. Not only do they have a terrible customer service layout for settling this type of issue but the representatives do not give full or accurate information on your account or details on what their " programs '' entail. This remark on our credit is inaccurate and should be removed immediately.
Company Response:
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an auto loan with Santander. The vehicle was subsequently totaled. My insurance covered some of the loss while the gap insurance I had covered the remaining balance and sent the remainder owed to Santander. Santander then argued without merit that they were owed more money. Santander has put a delinquent account on my credit reports and refuses to remove them even though they are incorrect.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company is reporting a charged off account on my credit. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Company Response:
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Was told they were allowed to run my credit to sell my closed written off debt
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Im a victim of santander multi-state sub prime. Need all info removed And deleted from credit report effective immediately. Contacted attorney general about this situation as well. Plus its showing on my credit report 2 times for unknown reason.
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A