Date Received: 2020-07-19
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: I have submitted a dispute on this account by Santander multiple times starting on XX/XX/2019, XX/XX/2019 and XX/XX/2019. They have not supplied adequate paperwork show who this account belongs and how much it was sold for or anything that pertained to the account. They never supplied there method of validating the debt they just said it belongs to me.
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2020-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The are reporting a collection account with Santander Consumer bank in the amount of {$19000.00} on my XXXX and XXXX credit report. This is not my account. I have disputed this account several times with the credit bureaus and the creditor.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Santander Consumer USA is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted XXXX, XXXX, & XXXX on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account to " verified '' status per Santander Consumer USA. No evidence to back the claim. I contacted the bureaus again requesting a copy of the signed agreement between myself and Santander pursuant to the Fair Debt Collection Practices Act. The bureaus all responded by updating the account status again to " verified '' per Santander Consumer USA. Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. Santander reports my first date of delinquency to XXXX as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment to back this claim. Santander is reporting no payment history on my XXXX and XXXX report, so how are the credit bureaus to calculate the first date of delinquency? How do they know when this item should be removed? The bureaus do not know, which is why this account has been sitting on my credit report since XX/XX/XXXX. Most accounts are several months past due before being placed into collection. So, if XXXX & XXXX were to " estimate '' a date of delinquency on Santander 's behalf, it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX, I took out an auto loan on a new vehicle with Santander Consumer USA. I was never given a written copy of my contract and the interest rate ended up being higher than what they initially offered. As it is, in the State of California, the cap on auto loans is 10 % and I was paying 24.85 %. I was able to make all my payments on time until I lost my job as a result of the COVID-19 pandemic. Once that happened, they kept calling and harassing me up to 10 times a day, and regularly violated FDCPA ( Fair Debt Collection Practices Act XXXX rules. I complained on their XXXX page several times and instead of resolving the issue, they took it personally and blocked me from their XXXX page. I then repeatedly call customer service and I was on hold for several hours and once I was able to get a representative on the phone they repeatedly hung up on me. My loan was charged off as a bad debt on XX/XX/XXXX in the amount of {$22000.00} and I was never sent a right to cure notice or given any opportunity to make my loan current. Two months later, on XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX, again without receiving a right to cure notice from Santander Consumer USA 30 days prior. I inquired about payment deferrals and extensions and was never offered anything, nor was I sent anything in the mail stating their formal positions on the COVID-19 pandemic. I still havent received all the proper documentation after the repossession took place and as a result of their negligence during the worst global health crisis in history, I will be pursuing civil action to the fullest amount allowable, I am seeking the amount I was charged off on in the amount of {$22000.00}, redemption of my vehicle, and 10x the amount of the charge off in damages, in the amount of {$220000.00}. I may seek further damages if necessary, and I may also pursue criminal charges as well for usury and wrongful repossession, given the fact that this company has put myself and my family in serious danger. I will also be contacting the news media and exposing this company at a time when people are the most vulnerable and many Americans are still financially struggling, especially being that unemployment benefits as a result of the pandemic are running out, businesses are still closed, and jobs are still not being created
Company Response:
State: CA
Zip: 92844
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
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: I traded my XXXX truck that was financed with Chrysler XXXX back in XX/XX/XXXX to a Chrysler dealer and purchased a new truck that was financed with XXXX XXXX the dealership never paid my remaining loan with Chrysler until 4 months later. I spoke to the dealer back in XX/XX/XXXX when i received notice of the payment and they told me they would take care of it and the payoff to the loan would be made.This dealership is located in XXXX XXXX FL ... But this did not take place, now resulting in my credit to be effected majorly ... This truck loan with Chrysler XXXX since the first payment has never been late as it was set up on auto payment and they can clearly review the history to see this is the case.I would never pay my payment late ...
Company Response:
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX bought my defaulted loan from Santander. The Statute of limitations in Florida is 5 years. The loan was sold to XXXX XX/XX/2015. XXXX refuses to take this off my credit report.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was a victim of Identity Theft and Fraud. Because of this an auto loan was taken out in my name with my personal information. When i noticed the account on my credit report, I took the steps to address it including, filing a police report, filing a FTC Fraud Affidavit, contacting the credit reporting agencies, and contacting the creditor. I sent all this documentation to the credit reporting agencies and Santander Consumer. Quickly I discovered that the credit reporting agencies, will not do anything when it comes to identity theft. Even though I have disputed the account, explained to them that i was a victim of identity theft, sent them the police report, the fraud affidavit, they refuse to remove it from my credit report. This is really frustrating because I did extensive research and there are Federal Laws that are supposed to protect my rights as a consumer yet the credit reporting agencies completely ignore them and do not comply. I also sent all the information to Santander on XX/XX/2020 only to get a response for more information, the exact information I sent, so I sent it all again, my driver 's license, the police report, the fraud affidavit and their ID theft forms they wanted me to fill out on XX/XX/2020. Then a few weeks later I get the same exact letter again asking for the same information again! So, again I send everything they are asking for a THIRD TIME, my driver 's license, the police report, the fraud affidavit, and their ID Theft Victim report again on XX/XX/2020. Then on XX/XX/2020 I get the exact same letter again asking me to send all of the information again. It's clear they do not care either about Identity Theft or Fraud. I thought the laws would help me, protect me and my rights, that if I was a victim of Identity Theft and Fraud that the laws would force these companies to investigate and correct the inaccurate information remove this fraudulent account from my credit yet I find out that these companies simply don't care about me, my situation or complying with the Federal Law that is supposed to be protecting me. My last and only hope is that you will investigate and hold them accountable for their negligence and non-compliance of the Federal Law.
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Santander Car Loan ; Today I pulled an XXXX report today and I had two deliquated months on a car loan. My car loan payment where being return. I never received any information letter email on whom the new car loan carrier was. The only way I found out that who took over my car loan was that I pulled a report from XXXX. I need a welcome letter an account number, the normal things that happen when some assume a loan. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have tried with u all about this debt it comes back as accurate no it not I never took a car from them never did its name is Chrysler capital. Here Im asking u to take it off my three credits report bc its not my debt. I demand this debt out of my credit or else Im suing.
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A