Date Received: 2020-06-13
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My car was totaled on XX/XX/XXXX I told my bank what had happened and they didnt care I had made all my payments on time until XXXX because I had wrecked my car fast forward to XX/XX/XXXX my Insurance paid them {$22000.00} but I was still waiting on the gap I sent all my information to gap back in XXXX I waited and nothing I called my bank Santander consumer USA to see what was going on they said call gap I call gap they say call the bank I get the bank and gap on a three way because gap said they didnt have information and the bank Said they didnt have information a month goes by I think everything is dealt wit come to find out the bank has not sent all the information they needed 5 months go bye back and fourth with Santander consumer USA and finally they sent what gap needed so in total {$23000.00} so now im ready to pay the account off right ... ... .nope because I get a letter saying I have {$330.00} in late fees {$740.00} in total so I call Santander consumer USA trying to get this figured out at the beginning of XXXX and I try to pay it and the machine says I owe {$1000.00} now how does it go from {$740.00} to {$1000.00} in less than a month keep in mind the buyout price for the car was {$24000.00} so in closing I believe there is just a gross misconduct of how SANTANDER CONSUMER USA has treated me as a customer and just as a human being not understanding there is a whole pandemic going on in America and not being understanding of that is just coldblooded very coldblooded please help me please and thank you XXXX XXXX XX/XX/XXXX Phone number XXXX
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Credit information is being reported as delinquent, when I paid it off years ago.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Ive found several errors on my credit report that I've disputed several times with no change to my credit reports. It's my understanding that as a contracted data furnisher, youre legally required to only report AUD cerified completely accurate information according to the FCRA and reporting inaccurate incomplete information across the credit reporting agencies is a violation. SantanderConsumer USA Account # XXXX Santander Consumer USA Please be advised this is my Third WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify and validate that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? I'm not accepting a statement of this account being verified and validated, but would need validation verification. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: They totaled out the car - XXXX sent the money and it has been credited, I also was sent the salvage title, but NOW XXXX the gap insurance hasn't done there part and we are still being billed for the rest. This shouldn't take 6 months to get done.
Company Response:
State: WI
Zip: 53405
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: During Covid my husband who is the primary and Im the cosignor called XXXX XXXX asking for payments to be deferred because Im XXXX XXXX and he is military. Im the head of household. XXXX XXXX stated they would review and not to worry and this was XX/XX/XXXX roughly. We never heard back until we received a late notice letter stating we were 40 days late. We called again on XX/XX/XXXX and a representative apologized stating she would send a letter for us to sign asking for the deferment. No letter was ever sent as of XX/XX/XXXX. We called the morning of XX/XX/XXXX to learn that representative did nothing as of yet and our account is now 59 days late. We spoke to someone named XXXX XXXX who stated he was a supervisor in collection XXXX id number. He stated he would now forward to the office of the president but wouldnt provide us with a contact number to follow up. As a cosignor no one called and he stated I requested that no one called me. I advised that was false due to my husband being in military I have to be called which I argued with then about that 2 years ago when he was XXXX and that never called me. We really need help. It appears they are doing us harm again with this tactic. They are rude and have impacted my finances as a business owner by not helping him while ruining me with the passive comments such as we dont know why they didnt mail it. Please help In addition, in summer of XXXX my husband provided them with his XXXX letter and as a result missed a payment l. He showed a letter from his commander. They stated that it wasnt good enough and reported both of us to the credit bureau. I got involved because Im the cosignor and they never called me. I complained and they told me that they would later notify me moving forward. Ironically they did even when payments were made or etc thereafter. Suddenly they have me as a no contact for XXXX. Ive been trying to still address that XXXX issue since XXXX. The recent incident with covid relief is now impacting us for this company purposely has failed to do thier job after speaking to us on a recorded line, per the representatives, to provide us with help. We no longer can deal with this company and now must find legal help
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2020, I contacted Chrysler Capital requesting a deferment of my loan payment due to the events surrounding the COVID-19 epidemic. I was told by the representative that I would be able to defer for three months and the paperwork would be sent to me in the mail. On XX/XX/XXXX my monthly invoice noted that I was 2 months late. I immediately called Chrysler Finance and was informed that the the representative never initiated my deferment. I was then told that it would be initiated during this call and I agreed to make the XXXX payment in lieu of my financial situation. They again reassured me that the paperwork would be sent. I called on XXXX to check on the deferment status and was told for a second time that the deferment was not initiated by the second representative and that my account was 59 days delinquent. I then asked to speak to a supervisor. The supervisor said that they would investigate the matter further and get back to me on the following next business day.
Company Response:
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Santander Consumer, has had the amount of {$5700.00}, on my credit for the past 10 years. This amount which was supposed to be paid off by the GAP insurance company after a car accident deemed it total lost. After 6 months of the accident the charge appeared on my credit report ; I called Santander to ask why, they stated they never contacted GAP insurance provider to have the balance paid in full. I attempted various calls from the insurance company to Santander to no avail. I received no assistance from neither party. This has since been a derogatory mark in my credit report for the last 10 years, which is past the statue of limitations. The account is also showing incurrent information. This account is not opened, and there has been no activity in years, yet it states that its 120-140 days late. This account should be removed.
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account don't belong ro me
Company Response:
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My account balance is not correct My credit report showed past due but it is current The company posted a remark on my credit report saying affected by natural disaster because I requested extension because of the coronavirus pandemic and I need to be removed from my credit report it affected my credit score
Company Response:
State: NY
Zip: 11102
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Sent written letter to XXXX XXXX XXXX on XX/XX/20 regarding an account that was sold to them by Chrysler Capital for XXXX. Asked them for validation of debt but as of today still have not gotten a response for them.
Company Response:
State: LA
Zip: 70517
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A