Date Received: 2020-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My car was totaled I had a XXXX XXXX and the finance company did a charge off at XXXX XXXX auto paid them XXXX they however said it was not settled and took the check and is reporting on my XXXX credit report that it was charged off in XXXX at XXXX they are not trying to update the balance which is XXXX they are reporting inaccurate info
Company Response:
State: VA
Zip: 23606
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: 2020-07-31
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: An installment loan with incorrect information is in the possession of this company. This account is fraudulent. This fraudulent information has remained on my credit report for years. I have tried numerous times to resolve this matter amicably with Santander. I requested documentation to validate that this account was personally done by me and never received any information about it - not from Santander, or the bureaus. My address on the account is even wrong, I have never received any mail from the address that Santander has on file. I have even mailed in letters to Santander and have never received a response, I am literally being ignored by this company.
Company Response:
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have made multiple attempts to obtain copies of the original loan documents from Santander Consumer with no success. Santander 's phone system will not allow me to speak with a representative. I have searchd their website to find a number for their Executive Services office unsuccessfully as well. Santander is reporting fraulent loan information to my credit file. I am requesting copies of the loan documents to view the signature on the loan that they are referencing.
Company Response:
State: IN
Zip: 46614
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.
Company Response:
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Once again I am requesting Santander to provide me with a copy OF ALL DOCUMENTATION I signed when I bought the car. The request includes the CREDIT APPLICATION information used to approve the LOAN. The documents sent regarding the sale have only 5 pages. I need ALL PAPERS THAT I SIGNED! Especially the Credit Application. I tried to make this request over the phone with the attendant XXXX employee ID XXXX at XXXX XXXX IN XX/XX/2020, but he put me on hold and didn't answer my request. The call was recorded for 8 minutes and 57 seconds and ended by me for lack of communication. Remember that all my contacts are up to date on your system. Address, Telephone and E-MAIL, no customer service representative attempted to contact me as stated in the previous CFPB demand response. I would appreciate that if answer, replies would be send to my personal email. Thank you.
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
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: Attempting to have santander account remove due to recent law suit. No luck with XXXX and sayander keeps saying call attorney General. Sent info to XXXX with letter from attorney General and still reporting negative info. Info is supposed to be romped from report due to preditorial practices made by santander
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above.
Company Response:
State: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
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: It is a national pandemic. Everyone is infoming us consumers that we can deferr payments but yet when I do it, Santander reported me late XX/XX/XXXX. How can this be allowed with a pandemic going on. I am on unemployment and out of work. Santander knows this, they are the ones that said do not worry we are not reporting late payments during the pandemic. Now I am going back and fourth with the Credit Bureaus telling them its a pandemic and they are reporting me late and my account is paid up as agreed. This is too much, I have a family to take care of and need to move during this pandemic to downsize. I can not do that because I have this late payment reporting during this national pandemic. I need some help someone has to help me. I have been writing and calling the credit bureaus and they are not helping me at all. If you look at my credit report you will see that I have never been late in XXXX. This does not make since i pay my bills take this error off. it is a pandemic and they shoul not be doing this tome!!
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Car was repossessed in the process of me dealing with an out of state child custody battle. I wasn't informed the car was repossessed until my cousin called and notified me. I was out of state when it happened and couldn't return due to court orders. I was unable to leave the state per the judge until the custody battle was over which was a year later. When I moved to XXXX
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX I reached out to XXXX via XXXX concerning a new vehicle. He initially told me about hail damaged inventory and I asked about XXXX XXXX. XXXX XXXX XXXX was sent to XXXX and my trade in was picked up. During the time of delivering my vehicle XXXX began inquiring about my husband a vehicle. He asked questions pertaining the current vehicles value, mileage, and Loan Company. We let him know at that time my husband was looking to get out of current loan due to high interest rates. XXXX suggested letting the current vehicle repo and get into another vehicle. He began running different numbers of trucks in order to get my husband 's truck under a certain number. I was unaware that either one of our credit was being ran for each vehicle XXXX attempted as I was unaware of the fact that he was trying to put the vehicle under my name at all. XXXX and my husband speak and I am told via text message that my husband said he wanted the vehicle and the vehicle was on its way. Hours later I am called by XXXX stating that the truck pmnts where under my husband 's requested limit but my interest rate would increase by 3 % and my pmnts would increase. I immediately let him know via phone that this was not okay and that he didnt have my permission to put the vehicle under my name in the first place. I was then referred to the finance director whom attempted to persuade me that overall it was saving us more money by giving my husband the initial finance contract with the lower interest rate and to get his pmnts where he wanted them to save us money overall. I let him know we dont pay are bills together and I didnt want the truck under my name. I was unable to reach my husband via telephone as he was at work at time of drop off. I was at work and had a 15 min break to sign the papers. I let XXXX know my husband would be in contact and I was told at the time I needed to sign the " new loan '' documents for my care. XXXX told me both paperwork for the truck and my XXXX was incorrect. I let him know I would be signing for the truck but that my husband wasnt going to want the truck. Upon receiving the truck at my place of employment I was given 1 key and noticed the vehicle was very dirty and the hail damage was more extensive than first quoted to us the vehicle was previously smoked in and still had the stench of smoke. I drove the vehicle home from work and immediately noticed an issue with the steering or wheels. I called XXXX and let him know my husband was not going to take this vehicle and the issues I noticed with the XXXX XXXX XXXX. XXXX confirmed the mechanical issues I noticed with the female driver whom brought the vehicle to us. She stated that she didnt let the dealership know of the vehicle issues as she thought it was understood between both parties that the vehicle had mechanical issues. XXXX stated he would pay for the oil change that was needed in the vehicle and that we would just need to take the vehicle to the XXXX dealership for repairs as it was still under warranty. We let him know very sternly we would not be taking the vehicle and that they would need to pick the vehicle up. XXXX went back and forward with my husband about picking up the vehicle. During that time we received calls from XXXX XXXX for a welcome interview. ( At this time, I hadnt received a Welcome interview for my XXXX XXXX or any correspondence from the dealership concerning my loan contract. ) The finance company called and asked about my the XXXX XXXX after we told them we would not be taking the vehicle to which the lady replied so yall are buying 2 vehicles I was not made aware of this. She called the dealership and spoke with an unknown party at the dealership stating the discrepancy. We received a call from XXXX going upset and frantic about the call from GM stating that we werent supposed to tell the Finance company about my car. I later received another call from GM stating they had spoken with my husband to do the welcome interview. I let them know that wasnt my husband and whomever they spoke to didnt have permission to speak on my behalf because we werent buying the vehicle. They notated the account and let us know that they would inform the dealership. Eventually the truck was picked up from our residence. XXXX let me know that my vehicle loan was incorrect when the truck was in route and I would need to sign a different one. He stated that he would sign the document ( which I didnt understand to be illegal at that time ). He faxed me the previous incorrect loan documents at my place of employment. At this time I let him know my dissatisfaction with the XXXX XXXX. I let him know I was unable to put my XXXX child seat in the car due to the size of the vehicle which I wasnt aware of until I received the vehicle. He continued reassuring me that he would look into my request for another XXXX XXXX. I then received a call from XXXX XXXX from regional acceptance on XX/XX/2016 requesting check stubs from myself and my husband. She also stated she hadnt received documents. I sent over the documents via email. I then a week later received a call from her asking if I had signed the loan documents. I stated yes when they brought the vehicle to me. She replied no we had different ones with a lower pmnt amount to sign. I let her know that XXXX had faxed me documents concerning the loan but I had not signed new documents as of the date she stated my loan information changed. She let me know the signature on the loan was forged and that I would have to sign myself the loan documents. I called XXXX and let him know this information and specifically stated that I didnt want the XXXX XXXX due to space issue and since my vehicle was still unfinanced I would like to return it. He then called me about a week later stating that my loan went through and that my pmnts would be lower. I immediately called XXXX XXXX and had no luck finding my loan documents without an application number. No company had called me until a few weeks later to do a welcome interview with Chrysler Capital. During that time I had called different companies including different XXXX lots inquiring about my options as my attempts to speak with XXXX where either unreturned or not referred up. I received my first statement from Chrysler Capital the first paperwork I had seen regarding my loan. The loan was financed for 75 months at {$440.00} per month. I was upset with this deal as previous loans where lower. I called my father and we immediately called the GM. The calls to the GM where never returned and I finally called corporate and lodged a formal complaint. My father called XXXX and let him know that I received my statement and was upset about him signing me into the loan without my permission. XXXX stated that he would handle the situation without going any further. I asked to speak with the GM and left voicemails for a return phone call which was not returned. I called XXXX and requested he let GM know I was calling XXXX Stated GM was going to handle the situation and would get me into a larger vehicle using rebates and " special pricing ''. I would just need to bring the vehicle back to XXXX XXXX Texas. I told XXXX initially what I could afford for pricing on the XXXX XXXX XXXX and he assured me of this several times before I left for a trip to XXXX XXXX. When I arrived in XXXX XXXX on XX/XX/2016, we were met about 30 mins of arrival by XXXX to whom I was told previously he wouldnt be handling my vehicle that it would be the GM. XXXX came out with an intial vehicle pricing paper with {$770.00} for the XXXX XXXX XXXX with large brown marker written across with a statement of NO COPS, NO PROBLEMS. XXXX never mentioned the note on the document. I let him know immediately this was unacceptable and wasnt what I was told previously and demanded to speak to GM. XXXX stated that GM stated that he didnt want anything to do with this deal and would not come out. I asked 3 different times including other staff members to direct me to GM to which we waited for hours with no GM> my XXXX daughter and father and I had been on road for 8 hours and at dealership for about 3. We finally told XXXX that we would sign for car as we would otherwise be stranded in XXXX XXXX and would be lodging more complaints as to the way we were treated. XXXX then brought out a blank side of the No cops, no problems paper and demanded I sign the blank side. I began signing the document and then asked what I was signing for to which he asked stated that everything is okay. I told him I would not be signing the piece of paper. He took the piece of paper to " GM '' and misrepresented it as a signature after I told him I was not signing the document. We went in with the finance director whom had previously received complaint from Chrysler Capital. XXXX had previously told me to call and state that everything was fine to finance director as he was " new ''. That conversation never happened. I let the finance director know of all of the issues we were having as with the dealership and requested again to speak to GM. He goes and gets man who comes in stating " oh so yall didnt come in here to sign documents. I thought you signed on this form stating everything was fine. I let him know it was NOT okay and that I didnt sign the paper as I didnt know what I was signing. He then asked if I gave XXXX permission to sign my signature on the previous loan to which I replied NO, and if I had you know that it still illegal for him to do so. He then brought up the truck and expressed his discontent for us, letting us know he couldnt do anything further to assist us. We were told we couldnt have a copy of the No cops, no problem paper as it was an " internal documents ''. I asked for all paperwork concerning all vehicles to which I was told I couldnt have. After the situation XXXX called members of my family telling them to " call me off '' or he was going to get into trouble and that the man we spoke to was not the GM and the dealership wasnt liable only him and that by complaining I would only get him fired. I ignored all correspondence from XXXX as I didnt want any dealings with him but couldnt reach anyone else at dealership. I lodged another complaint with XXXX XXXX and hired a lawyer at that point. XXXX Signed document with optional service contracts ( TIRE, Car Care etc. ) included without my permission resulting in a higher car note amount. XXXX also stated that he could receive " family '' discount and it was added to my contract this 2 was missing from my contract as falsely advertised.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A