Date Received: 2020-08-03
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: There is a class Action lawsuit on Santander Consumer USA right now. We got a loan with them in XX/XX/XXXX for a new XXXX XXXX. The loan was {$27000.00}. I have paid on this car for almost 4 years and they are telling me that I owe over {$19000.00}. This is impossible. I also added to do extensions with them and they never disclosed increased interest rates or anything. My balance never seems to decrease. I filed bankruptcy for myself in XX/XX/XXXX. They refused to do a payment extension or anything g to help me unless I signed a reaffirmation on the loan. My husband was on the loan as well and did not file bankruptcy. The interest is outrageous and we were put in a loan that was near impossible to pay but we had to have a car. After the bankruptcy discharged I figured out that they were not reporting our payments to the credit bureau. Not even for my husband. When I called they told me that they didnt have to report the payments. I told them that I signed a reaffirmation and that my husband never filed bankruptcy. They acted like I was crazy and didnt know anything. I am certain they have added unknown fees, etc to my account. They refuse to help you and act super rude anytime they are questioned about anything. I just became aware of this lawsuit today while looking at their website. I feel as if my loan should be included. Our credit bureau reports do not even show a loan for either of us with them. I asked them what would happen if we didnt pay the loan since it wasnt in our credit bureau reports and they told Me they would come after us and they would make us pay. They are like punishing my husband in a way even though he never filed bankruptcy. The payment is {$510.00} per month for a $ XXXX {$12000.00} car. That is a house payment for our area. How can that much money still be owed in a car when it only XXXX XXXX XXXX at around d $ XXXX {$4500.00}? They gave us a loan when we never thought it was possible. We owed a lot at the time, but they made it sound great at the time and we had to have a car. It makes me sick that we have been done so wrong with this company. I am behind on payment now and they told Me before that they would repo if we defaulted, even though they do t report anything g in us at all. That doesnt seem right to me at all.
Company Response:
State: VA
Zip: 242XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I purchased a car with Santander Consumer USA in XXXX. The Car was repossessed during my XXXX proceedings and paid off in settlement in XXXX of XXXX. Account has been paid and closed since then and it is not deleted off my credit report.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The credit bureaus are reporting a closed account with Santander Consumer USA. This is not my account. I have disputed this account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have all my accounts in good standing, however the reporting does not look accurate therefore my Family and i we are stuck and can not embrace any growth opportunity. I need those BAD REPORT to be REMOVED
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2020-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: I was tricked into this loan as the primary borrower just to make a sale & the car was stolen and repossessed in XXXX of 2017 with me making pmts I contacted customer service to file a claim and let them know but it was a towing company for Santander researching their repossession policy it clearly stated no pmt for 60days then the vehicle would be repossessed. They ignored my ID theft claim and police report issued to removed this from my credit due to falsifying a signature on the wrong line had me stuck in this loan with high interest rates. Please Remove from my credit. I have disputed this item on my credit numerous of times prior to the class action settlement it has become a financial burden of hinderence for me on getting other loans to better my credit score and history.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander Consumer USA did not report anything on credit report from XX/XX/XXXX to XX/XX/XXXX so I wrote them a letter to update my credit report and I explain to them I had a Medical issue so I was out of work From XX/XX/XXXX to XX/XX/XXXX so I could not pay on the account and I sent them the documentation to back up my claim and I made up all the back payments to get the account current that I owe instead they reported closed /charge off but the account is open / active but they will not report the payment to the credit are change it as open and current I am doing everything right with them to try to fixed this with them they refuse to correct this matter.
Company Response:
State: AZ
Zip: 85340
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have been making my auto loan payment and adding additional funds which were meant to be applied to the principal balance ; however, Santander refuses to apply and allocated them to fees. When I call them they stated they can apply the funds how they see fit which is unethical and against the law. They already have a class-action lawsuit that I would like to be part of but they refuse to give me any information.
Company Response:
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX my vehicle was reposssed by Santander consumer. The vehicle was then sold and the amount due was owed. However in XXXX the account was sold from Santander and they stated they no longer took over the account. In XXXX I was sued and a judgement was placed from XXXX stated they were collecting from Santander. The judgment was placed but I reached out to set up payments in regards to this. In XXXX I received a spam call from a company stating that Santander was using them to collect funds and reached out to CFPB in regards to this. I received a notice from Santander in response to the complaint with CFPB stating that they no longer had the account and another company had acquired it. I stopped making payments ( about {$700.00} XXXX as Santander stated no company should be collecting funds for them and since have been contacted from XXXX in regards to this. I do not owe them this debt and they are trying to take me back to court in XXXX for this.
Company Response:
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX and XX/XX/2020 I was late on payments on my Santandar loan due to covid and my decrease in hours. This showed a negative report on my credit report
Company Response:
State: MO
Zip: 63901
Submitted Via: Web
Date Sent: 2020-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I HAD SEVERAL AUTO LOANS AT SANTANDER OVER THE PAST 12 YEARS AND NEED LOAN NUMBERS AND INTEREST RATE T.I.L.A. ON ALL
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A