Date Received: 2020-07-24
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Have a loan for XXXX XXXX XXXX, I financed the vehicle on XXXX XXXX the mature date for the loan is XX/XX/2020. I called to ask for the payoff date and amount. I was blown away they said over XXXX was the payoff. The total price I be paying for this car with 22 % interest rate is XXXX. The loan and interest rate seem a little over priced and only benefit the company profits. I like this matter to be look into and correct.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Three things. First, alleged debt was never properly validated by affidavit in accord with XXXX XXXX. A formal request to provide this was sent via Certified Mail XXXX XXXX XXXX XXXX XXXX and delivered on XX/XX/2020. I am demanding Chrysler / Santander disclose all documents upon which they are relying in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. Section 1681g, which state the consumer is entitled to said records. Secondly, the repossession was called off according to XX/XX/2020, correspondence from Chrysler yet was immediately put back on the books on XX/XX/2020, without validating purported debt. When I asked manager # XXXX on the phone today for the contact information of the repossession company, she refused to provide it. Thirdly, I have no clue which entity is truly attempting to collect the alleged debt. Demands are from Chrysler Capital and a year end tax statement provided from Chrysler Capital shows their Federal Tax EIN to be XXXX. Yet when one searches the data base for that EIN, it does not exist. In contrast, certified title records from the Florida DMV show a Federal Tax EIN of XXXX-XXXX, which belongs to Santander Bank. This seems very suspicious and fraudulent. Which entity is truly trying to collect on this alleged debt? As an aside, the beneficiary has now stepped forward and claimed all accounts with the IRS and nothing is construed as abandoned.
Company Response:
State: FL
Zip: 32159
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I received a covid-19. Assistance differed payment for XXXX XXXX and XXXX. Well it should not be reporting XXXX and XXXX late on credit bureau please report correctly I will monitor this account very closely and a attorney is doing all the research and paperwork on this account. But for now since I differed XXXX XXXX and XXXX. Should not be reporting late. Copies been sent to credit bureaus and XXXX XXXX XXXX please make XXXX, XXXX, XXXX current thanks
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am trying to buy a house and I have been told that the loan would be removed after I paid it and it is still showing on my credit report. Account has been paid. The loan was done through Santander USA
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Santander Consumer USA took a payment that I made 20 days before it was due and applied too much of the money towards the interest rate opposed to the principal of the loan.
Company Response:
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have a loan with SANTANDER CONSUMER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX SANTANDER CONSUMER with no successful resolution.
Company Response:
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Around XX/XX/2020 im notified at Santander Consumer wants me to pay them for my car payment. Remind you i was with Gateway One Lending and Finance. I wad never informed of the switched i was just told i need to submit payment to this new company. Only to find out they was in a lawsuit for adding unauthorized fees to peoples account. So now im looking at them sketchy and i dont trust Santander Consumer.
Company Response:
State: NC
Zip: 27870
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hello I tried several times to have my loan with Santander resolved after they unfairly repo my vehicle on XX/XX/XXXX, fortunately, recent my Attorney general from the state of California announced that a settlement has been reached and Santander has agreed to remove all negative information from my credit report and completely paid off any amount of money that was owed to them, I tried to speak to someone at Santander but they have not answer nor return my call. Please see the below as a reference https : //oag.ca.gov/news/press-releases/attorney-general-becerra-announces-over-550-million-settlement-against-nation % E2 % 80 % 99s https : //oag.ca.gov/system/files/attachments/press-docs/PPL % 20v % 20SCUSA % 20Complaint.pdf https : //santandermultistateagsettlement.com/Home/portalid/0 California Attorney General XXXX XXXX today, along with a coalition of 33 other attorneys general , announced a multistate settlement with Santander Consumer USA Inc. ( Santander ) that includes over {$550.00} XXXX in nationwide relief for consumers ; California consumers will receive over {$99.00} XXXX of that amount. As part of the settlement, Santander will provide over {$99.00} XXXX in relief to thousands of California consumers who Santander approved for its abusive high-cost loans. Consumers with the lowest quality loans who had defaulted as of XX/XX/XXXX, and have not had their cars repossessed, will be allowed to keep their car and have any deficiency balance on the loan ( up to a total value of {$45.00} XXXX in deficiency waivers nationwide ) waived. Santander will also waive the deficiency balances for certain defaulted consumers across the country, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buyback.
Company Response:
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 I tried to call Santander to discuss the issue I am having with them reporting incorrect information to my credit files and was unsuccessful. When I call the number on the letter I received from Santander XXXX XX/XX/2020 XXXX, their automated systems says that they are unable to locate an account with my information. Then it attemps to transfer me to a customer service rep and then the call automatically disconnects. The number that I called is XXXX. I also called all the numbers listed on my credit file and I receive the same results. Santander sent a letter stating they don't have an account on file for me, and to call customer service but then turns around and reports further inaccurate information to my credit file.
Company Response:
State: IN
Zip: 46614
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Santander Consumer has turned me over for collections when they were supposed to write off the balance
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A