Date Received: 2020-08-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Im in the process of getting a mortgage when it came up by the mortgage broker that I have late payments listed on my closed Santander account for XX/XX/XXXX and XX/XX/XXXX. I filed disputes with all the 3-credit reporting agency, and they all responded that the data is correct and to contact the company that furnishes the data, Santander Consumer. I contacted Santander Consumer Customer service on XX/XX/XXXX and the person I spoke with, XXXX Emp # XXXX, said that she doesnt see why they are showing as late payments and spoke to her manager. After returning, she said the manager said I would have to write a letter to have them investigate, I explains Im in a time crunch and would like to talk with the manager. After 25 minutes of waiting, I was able to speak with the manager, XXXX and explained that I dont have the time to send a letter and wait for a response since Im in the process of getting a mortgage. After explaining that that sending a letter was not an acceptable solution since its not my fault, they are reporting fraudulent data. She eventually was able to transfer me to her supervisor, XXXX ( XXXX?? ) who was very nice and helpful. She took her time to listen to my problem and asked for the details and said she would email the department to investigate the reporting issue and would get back to me ASAP but no latter then 72 hrs., with an answer. Here we are 3 days after the 72 hrs. and after spending almost 2 hours on the phone with them on XX/XX/XXXX, I still have not received any emails, calls, voice mails and/or texts. I spoke with an attorney and she said the only options Santander really has is to either corrected the reporting or just delete the tradeline, this needs to happen ASAP since this is hurting my creditworthiness and them not doing anything means they are being negligent. The consumer reporting agencies didn't add the Santander tradeline on my credit report, Santander did and by law they are REQUIRED and RESPONSIBLE to furnish information that's accurate and complete. I have included a copy of the errors on my XXXX report but also have online reports from XXXX & XXXX XXXX showing its not just an issue with XXXX.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020, I contacted the collection company and agreed to pay my debt. The account that was mine I paid in full {$1700.00}. Before paying myself and the collection agreed that if I paid the balance in full that they would remove the account from all 3 credit .bureaus within 30 days from the date I paid. Since then I have reached out to them and I also sent the paid in full letters to each of the credit bureaus and they still have not removed it from credit report. I am currently trying to purchase a home and this is hurting my chances tremendously
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I was approved for a loan with Santander Consumer USA a few years ago. I feel like I was approved with a high interest rate with expectations of defaulting on the loan. I feel like my balance has not changed even after making constant payments. I actually now owe more than the actual principal. My interest rate is over 25 % and its been very difficult to stay on top of it. Im not sure if I am eligible under this class action lawsuit against them but any information would be great. I think that its crooked and unfair that they approved vulnerable people with low credit scores just to add a high interest rate so they can default from loan.
Company Response:
State: CA
Zip: 95823
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I purchased this car in 2017 and have paid all my payments on time and per my credit report it shows the amount of ONLY {$880.00} dollars paid!! This company is a fraud and they add additional fees at any given time! My information was falsified when I first did a loan with this company! I ask that this information be removed from my credit due to the recent action lawsuit! This company Henders me from getting a house or even refinancing because they have the rates on this loan extremely high! I do NOT want my information sold to another company as they have been doing with other information to get out of falsifying documents! I do not give them permission for that!!!! Under the settlement, 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. http : //santandermultistateagsettlement.com/Home/portalid/0
Company Response:
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In 2014 false papers was submitted to obtain a car loan and paying the loan has been a struggle I even asked to get the car refinanced for lower payments that was never approved I lost my income and the car was repo and one time and I'm still having hard times. Also I qualify for the lawsuit for the giving me a loan I couldn't afford that I'm stuck with and it's been so bad I had to seek medical help for XXXX XXXX. ALSO my ex fiance has filed bankruptcy and has gotten his name off the loan which has made this even more of a nightmare Payoff Quote Account Number : Collateral : Payoff Amount : ( This payoff is good for 15 days from todays date ) Daily Interest : Payoff Through : To Whom It May Concern : This Payoff Quote is being provided in response to a request by the account debtor ( s ) on the account set forth above or their counsel. NOTICE : TO THE EXTENT THAT YOUR OBLIGATION WAS DISCHARGED, OR IS SUBJECT TO AN AUTOMATIC STAY UNDER TITLE 11 OF THE UNITED STATES CODE, THIS STATEMENT IS FOR COMPLIANCE WITH THE STATE LAW AND/OR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE AN ATTEMPT TO COLLECT A DEBT OR IMPOSE PERSONAL LIABLILTIY FOR SUCH OBLIGATION. The estimated amount to satisfy the above-referenced account is set forth above as the Payoff Amount. This estimate is good through the Payoff Through date set forth above. This payoff amount is subject to a final reconciliation and accounting and may change if there are returned payments or fees assessed on the account within 30 days of this quote. This payoff amount does not deduct unearned premiums for ancillary products, such as GAP or Credit Life insurance, purchased and financed within the loan. Canceled ancillary products with unearned premiums received may be refunded, if applicable.Title will not be released until the above-referenced account is paid in full. Please be advised that the payoff effective date will be the date we receive the funds. For a payoff sent after the Payoff Through date set forth above, please add ____________ for each additional day
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-05
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Account was closed and GAP claim was cancelled now my account is back open and no one can give me an answer as to why. My car was totaled on XX/XX/XXXX the insurance company overnight a check on XX/XX/XXXX. After waiting several days the check could not be found so I had the insurance company call and Santander said the check went to the wrong address and to wait they'll get the check eventually. I had the insurance company void the check and overnight another check on XX/XX/XXXX. That check was received and the amount posted to my account was short by almost {$700.00}. I spoke with several people and finally the account was reviewed and corrected on XX/XX/XXXX. My account was closed on XX/XX/XXXX and then back open on XX/XX/XXXX with a new balance. And every time I call I get a different answer.
Company Response:
State: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I have a loan with Santander and I had a deferment and my car Ive been paying on for close to 3 years and the principal has dropped less than XXXX XXXX dollars my interest rate is 20+ percent and Im already struggling to make the payment and I feel like my loan was fraudulently padded because no one else will finance me because my income is to low. Please help me
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-04
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Iin XXXX I was on the a bad car accident in my XXXX XXXX XXXX. I was financing the car through Santander Consumer USA. I notified them in XX/XX/XXXX that I was in an accident and that the car was not in good condition. The insurance company wouldn't total the car due to the air bags not deploying. I sent the car to XXXX XXXX for appraisal. I was contacted by the Collison department manager. He advised me that the damages on the car were more than what insurance would pay. He also advised me that fixing the car would not make sense because of the damage. I notified Santander Consumer USA of this on XX/XX/XXXX. I was advised that they would retrieve the vehicle from the Collison condition and auction it off. The rep stated that once the vehicle is auctioned. They would send me invoice for what was left owed on the vehicle. So they told me they would take it from there. After not receiving any feedback from Santander. In XXXX I contacted them inquiring on the status my account and what was the outcome. I explained that I hadn't received any communication from them. I was advised by XXXX in the Corporate office that they had abandoned the vehicle and didn't take ownership of the vehicle. I asked why hadn't I been notified of this, but no reasonable explanation was given. I was never notified or contacted by them. I stated that if that was the case thrm where is the vehicle? I asked why we're they putting the entire amount of the loan for the vehicle on my credit? I could've taken the vehicle my self. Thry didn't provide any proof of this. It never showed on my credit as a repossession. So basically they put this Vehicle ony credit as a charge off when in fact! They abandoned the vehicle. Taking no responsibility for it. So they say! Santander Consumer USA is despicable. They are crooks and misleading to consumers like me. They trying to ruin my credit because they failed to properly handle the situation. I feel cheated and robbed of my choice in this situation. The need to be held accountable. Signed Disappointed Single Mom.
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander XXXX : This was was voluntarily given back and the engine blew when the car only had XXXX miles and insurance wouldn't pay for it. This meant the funds were not available for the engine and the car which should of been covered under insurance and it left unable to pay for the car at this time It was voluntarily given back.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I have substantiated proof that Santander Consumer USA is in fact in the debt collection business, as they are trying to collect an alleged debt using false representation and deceptive means. I have several documented attempts to allow the company to admit to their wrongdoings. I demand relief in the form of monetary remedy as well as the complete deletion, and removal of this information from my consumer reports, and from all consumer reporting agencies databases. I invoke my rights as a consumer protected and enforced by the FCRA 15 U.S.C. 1681, and the FDCPA 15 U.S.C. 1692. I have multiple exhibits that substantiate my claims that the company is in fact in violation of the FDCPA on several counts. My attached Affadavit of truth, which was also included in the last correspondence with the company, has each fact listed. It has been thirty-eight ( 38 ) days I have not received a rebuttal of the facts I stated in my affidavit of truth, validation letter, and cease and desist request in my last correspondence sent via U.S. Postal Service certified mail with a return receipt. I requested that the company validate the information they are alleging by completing the attached forms, send them back to me for review, and allow me 30 days to evaluate while all collection and reporting must cease and desist. The company failed to validate, and send the documents back therefore by law, my affidavit stands as truth, and the company admits to being negligent and dishonest. Also, the company is using false representations, and deceptive tactics to attempt to collect an alleged debt. In my original correspondence the company listed its address as XXXX. XXXX XXXX XXXX XXXX, TX XXXX, but in the exhibits they sent back to my validation request they have their address listed at the bottom of the page as XXXX. XXXX XXXX XXXX, TX XXXX, and on some of the other documentation they have XXXX. XXXX XXXX XXXX XXXX, Tx XXXX, on their website they list XXXX. XXXX XXXX XXXX, TX XXXX as their payment address. The different addresses are very misleading, inaccurate, and unprofessional, as my other exhibits substantiate. The company haphazardly sent back documents that do no validate any fact or truth to support their claim so this debt is indeed invalid and inaccurate.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A