Date Received: 2020-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Hello. On XX/XX/2020, Santander reached a settlement of {>= $1,000,000} to provide relief to consumers because they provided loans to consumers who were not qualified. The settlement also states that Santander will request that the defaulted loan be removed from the consumers credit report. I Have contacted Santander and I qualify for this removal from my credit report as I fit the criteria because my account was charged off within a year of receiving it. Please remove the derogatory account immediately as its been affecting my credit for years.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander consumer USA is obligated by the FCRA to report everything accurately to the credit bureaus. Why is a late payment being reported 3 different ways to XXXX, XXXX & XXXX? When i dispute it, they refuse to correct the information. The payment was not late. The way it was reported, it looks as if i have 3 late payments. Ive attached the images below. This is my 4th attempt in getting a solution from this XXXX company. If you are obligated to report correctly, then do that. Why are my payments being reported differently based upon the credit bureaus? Are you intentionally trying to make it look like it was late 3 different times? So that you can make it look like you can tow my vehicle in the middle of the night? Ive disputed it 3 times. You refuse to fix the issue. This credit report was pulled on XX/XX/2020. This company is ridiculous.
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Auto has been repossessed since XXXX, in XXXX of XXXX there was a XXXX amount added to my outstanding balance, in addition to this while I had the vehicle and made payments over the phone they charged a fee XXXX that I was always told would be credited to my account. I was told in XXXX by my salesman that my credit score was below 500 and at the time of purchase did not have a valid driver 's license, I paid gave my salesman XXXX down and had to give him an additional XXXX some of which he said was a loan origination fee. There has been a class action lawsuit against Santander that includes 34 states but not Missouri. This account has continued to do damage to my ability to do anything!!!! THIS ACCOUNT IS BEING REPORTED AS A NEW LATE PAYMENT every month DURING A NATIONAL PANDEMIC ... AND VIOLATING THE " C.A.R.E.S ACT ''
Company Response:
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Base on the recent situation I cant pay the car loan but I would like to keep the car until I find the way to star payment it again so I trying to get financial to pay all my debits.
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I am so upside down in a car loan through Santander consumer and my car note is extremely high as well. Im not able to refinance nor trade the car in due to owing so much. They also report incorrect information on my credit report. I have never received any paperwork pertaining to my information I have requested. I had the car going on 4 years and still have 3 or 4 more. Im not sure how this could be possible.
Company Response:
State: GA
Zip: 31021
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I have been trying to payoff my auto loan in full and the company refuses to take payment or send me my title. They only accept payoff payments by mail, not online or over the phone. I find it unsafe in the pandemic for me to leave my home to go to the post office. However, I did mail the check on XX/XX/XXXX and the company claims they still have not received it despite confirming I had the correct address. I can not keep waiting for my title. I can not register my car so I can park it on the street without the title. Now theyre requesting money orders in addition to the check I already sent which is highly suspicious. All I want to do it pay off my car and get my title. I spent one hour and forty minutes on the phone with them and got nowhere. Just told to wait until they deposit the check Id already sent even though I will now by late on monthly payments.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020 I sent an affidavit of truth stating each violation the debt collection company Santander Consumer USA Inc committed, and a debt validation letter via certified mail with requests for return receipt to the debt collection company Santander Consumer USA Inc. I have not received any validation of debt or any response in writing from the company. On XXXX XXXX I received a return receipt from the company so I have proof they have received the documents as the exhibit attached reflects.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My payment history is 100 % PERFECT and Santander Consumer USA " can't '' remove 1 late mark in result of Covid-19. I was told I could pay later in XXXX, & they wouldn't report me late. I believed them. Now, there's a late mark on my credit report from Santander. Santander needs to delete this as I signed an Extension Agreement to cover this billing cycle : XX/XX/2020 & XX/XX/2020. My loan has been extended, delete the late mark. What do they gain from damaging my credit with a late mark? What I'm asking for is very simple yet they make it difficult. We were all quarantined without income. I spoke to them before paying late. I signed a payment extension. The extension covers the late mark month. I spoke to the executive offices who didn't lift a finger even with all their capabilities. A family member passed due to Covid-19. I live in the Epicenter of this disease and they can care less. In addition, Santander sent me a letter stating they are waiving customers late fees while they billed me a late fee for XXXX and never waived it. Meaning it's all talk and lies. If you search " Santander Covid '' in CFPB searches you will find 20+ cases where you can clearly view Santander Consumer USA doesn't care about helping those impacted by Covid-19. They are billing clients fees during these times and reporting them late to the bureau 's. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Here are other claims from clients in the same situation as I : Claim XXXX : Due to Covid -19 I asked my auto lender SANTANDER CONSUMER USA for a 2 month reprieve from monthly payments ( XXXX & XXXX XXXX as I was just laid off. Payments were to begin XXXX. SANTANDER CONSUMER USA made the arrangements and stated to me that my account was on hold for the following 2 months. I noticed a late payment date of XXXX for my SANTANDER CONSUMER USA loan. SANTANDER CONSUMER USA refuses to remove the incorrect late that they placed on all XXXX of my credit bureau profiles. Claim XXXX : I spoke with at XXXX specifically stated that my account would not be in jeopardy, that I was eligible to defer a payment and that no lates would be reported to the bureaus. The representative with XXXX misled me and unfortunately the deferred payment I was told I was eligible for did in fact report negatively on my credit report as a late. I have tried to get back in touch with XXXX as well as contacting the bureaus to remove this late however, I have not been successful. This false reporting of a late is seriously harming my credit score and this late needs to be removed from my credit report. Claim XXXX : Received an extension from XXXX XXXX due to COVID 19, yet they went ahead and reported the 30days late to all three bureaus, which they acknowledge that it was their error yet they refuse to contact the bureaus to correct the error which could possibly impact my loan that I'm wait to receive. The interesting thing about this is Santander Consumer USA has the power to make this right by at least removing those Covid-19 related late marks.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: In XXXX of 2020 we purchased a vehicle from XXXX after our car was totaled by someone who had ran a stop sign. Upon purchasing we were asked for our banking information and desired payment option and guaranteed that automatic draft payments would be made from the account provided. Santander Consumers was NEVER mentioned to us until the car was repossessed. We were also under the impression that the payments were coming out automatically until the day of repossession. When we called Santander we explained this to them as well as our reduction of income due to Covid-19. We also explained that we would pay the balance owed to catch up and they refused, stating that the account was too new to be reinstated. They told us our only option was to pay the remaining XXXX left on the loan. My husband basically begged them to let us pay what we owed being that he is currently XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX soon and has no other means of transportation. They still refused. We were completely unaware that the payments were not coming out.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XXXX I was holding for hours for Santander to advise them that my payment would be a few days late. I was furloughed from work due to covid. I couldnt get through. i made the payment in XXXX and was hit with a late marker. I sent a letter to the credit bureaus and company. No response
Company Response:
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A