Date Received: 2020-06-10
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: This was back in XX/XX/XXXX I had a Santander USA loan and they repoed it XX/XX/XXXX I just put a complaint in about this no response since XXXX XXXX it is about the corporations also everytime I put a complaint since she has taken over u got to have millions of dollars to get anything done. Santander USA in NJ charged me on a XXXX XXXX XXXX XXXX $ for 74 months interest rate was 22 %. Yes I have put a complaint but havent got a response so I figure do it again this is what I get fidnt u just put a complaint in for this!! Yes but I guess people in XXXX XXXX are having brain freezes
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
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 at the time off my accident. The vehicle was a total loss deemed by the insurance company, after 6 months the balance was placed on my credit and when I called to find out why they said ( SANTANDER ) never called the GAP insurance provider to have the balance paid in full. ( which was not my fault ) This has been on my credit for the past ten years, which is past the statue of limitations. And the balance keeps going from a collection account, to now back to a OPEN charge off account. Also the account is currently showing an incorrect payment date, is has a last payment made of XX/XX/XXXX, but my last payment made was back in XXXX since the accident.
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX I was called by XXXX XXXX to collect a past auto debt from me and my mother who where on the original contract they said the original debtor Santander Consumer USA Inc. are settling for the amount owed of {$1600.00} and they would be able to set up arrangements with me to satisfy this debt. I paid it with my credit card XXXX XXXX in three payments {$200.00} on XX/XX/XXXX, {$250.00} XX/XX/XXXX and {$1200.00} on XX/XX/XXXX. After I had to call to ask for a paid in full letter because I didn't receive anything so they sent a docusign document via email so that we can sign it and return it. In sometime in either XXXX or XXXX I received a call from XXXX XXXX , XXXX also requesting the debt to be paid off, I advised I paid it off already to another company XXXX XXXX they asked who is that company as they have the proof that they have the original contract signed by me and my mother and proof that the original debtor Santander Consumer USA Inc. sold the loan to XXXX XXXX XXXX XXXX in XX/XX/XXXX and it remains the rightful property of XXXX XXXX XXXX XXXX they not only asked me to call the original debtor Santander Consumer USA Inc. to confirm that all of this information is correct in which it is, they have no clue who is XXXX XXXX and did their own research that this was a illegitimate company and that they only sold it to Cascade. I contacted XXXX XXXX and its unfortunately not resolved yet to return my payment after this scam, yet the last XXXX XXXX representative that was so helpful stated that he also feels they may be a scam company as they portray themselves online as a company called XXXX when searching XXXX XXXX and their address comes up with the XXXX and you can't get a hold of them and the address on the letter doesn't match anything or phone number, they haven't supplied any documentation like XXXX did showing who the original debtor was and the contract we originally signed. I will be making a police report to then resend everything to XXXX XXXX to request my hard earned working money returned that I paid to a scam company in which XXXX should be the ones paid off NOT Internal Solutions ( XXXX ). Please help me.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2020-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2020 after reviewing my personal credit report ; an unauthorized inquiry from SANTANDER CONSUMER USA XXXX at XXXX XXXX XXXX XXXX XXXX, TX XXXX showed on my XXXX credit file. I'm requesting signed verification or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Company Response:
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/XXXX, I financed a car through Chrysler capital, I paid about 60 % cash and the rest financed. During XXXX, i made more payments than required, because i wanted to close the loan faster. In XXXX i spoke with the representative of the Chrysler Capital and agree that the extra payments I did during XXXX to be counted for XXXX, for XXXX and XXXX. In XXXX I received a payment due notification.I called them and asked again to calculate the payments i did during XXXX for XXXX. On the same time, i saw that my bank XXXX XXXX, had submit the payments for XXXX and XXXX. I asked them to cancel and stop auto pay payments, because i had done them from a different account. In XX/XX/XXXX i received a notification of a credit decrease. The Auto Loan, reported twice delinquent accounts for non payments causing me a score decrease of about 60point. I called them in XXXX and I explained them that I was sick and infected by the covid-19. I told them that i had made the payments before and need to recalculate the payments i had done in the past. On the same time I requested to postpone the payments from XXXX to XXXX because I was Sick and wasn't able to work. They promised that they will do it if i make 2 payments for XXXX and XXXX. I did that. On XXXX I got again Notifications for past due account. I called and asked again to fix this problem. They promised that they will do it again. If I make the payments for XXXX and XXXX. I made again 2 payments in order not to cause again a problem and report a non payment. I paid 2 rates on XXXX again and the XXXX rate. They promised again that they will postpone the payments, but again they didn't. Every time I call, they blame somebody else, but the one who is paying and suffering from their mistakes is only me. On XXXX they sent me again a past due notification. I called again and asked for clarifications. Again the same story, they say sorry that is a Mistake on the system and the system doesn't allow them to make changes if i don't bring the account current. I payed again in order not to suffer again from their mistakes. I ask them to notify the credit reporting agencies for their mistakes and fix the credit score they damaged.They promised. Next day I get a Call that requires more info. I ask them to send me all their questions per e-mail or mail in order to have a proof and to respond them electronically.They denied that as well. Next day someone calls me, who refused again to send me an email. He provided me only a fax number to send him the documents which prove that i have done much more payments that i had too. From XX/XX/XXXX to XX/XX/XXXX i had to do 13 payments. In their webpage ( Chrysler capital ) there are all the payments listed with dates and amount. There are 21 payments done until now. In top of that they have charged me also late payment fees. All this i guess is because they try to keep their customers bounded in order not to be able to refinance the car by another credit institute. Because of the credit score decrease, i got declined for different inquiries for 3 months, including a new apartment lease and a car refinancing institute. I have tried to fix this problem with the credit report companies XXXX, XXXX and XXXX, providing them all the statements that i have not a missed payments but they denied to fix the report.
Company Response:
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a closed account with Santander from XXXX. Im in the process of purchasing a home so I had been reviewing my credit report. On XX/XX/XXXX I noticed there was a late pay charge from XXXX that was incorrect from Santander, so I submitted a dispute online to have the late pay charge investigated and removed. Instead of investigating the late pay charge, Santander changed the status of my account with all three credit bureaus from paid as agreed to charge off. I made my last payment to Santander XX/XX/XXXX, how could my account have been in paid as agreed status for 4 years and all of a sudden its changed to charge off because I disputed a late pay charge from 5 years ago. No one in the Executive Office is able to explain to me why my closed account was recently updated to Charge Off after 4 years??? It seems like this is retaliation against me for disputing the late pay charge and possibly being solicited for the ongoing lawsuit against Santander. I feel Im being extremely mistreated and would like someone to look into this as soon as possible.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Santander Consumer USA reported to XXXX on XX/XX/XXXX that my auto loan account was closed and charged off. This closed status has remained on my credit report since then. I still continue to make payments on the vehicle I continue to have possession of. I recently checked my credit report and Santander has now re-aged the closed account date to XX/XX/XXXX. This is a violation of my consumer rights and a violation of the FCRA. Santander Consumer USA is Re-Aging the account to appear as though it is a newly closed account. The account just reached it's 2 years closed mark. I will continue to use my previous credit reports and supporting documentation to fight against this violation.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: My mother and I have an auto loan from Santander Consumer USA for my XXXX XXXX XXXX. The interest rate is already insane and now they are charging me more. We are both out of work due to covid and we asked for a reprieve for a few months on our bill and since im a 1099 i dont qualify for unemployment and my mom has not received help yet either. So they moved our next payment to XX/XX/XXXX, which was supposed to be XXXX for the 3 months extension XXXX office told me. Anyway they are charging us {$15.00} a day interest that the loan is deferred!! How can they do that? Please have someone call me back XXXX
Company Response:
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santender I have sent disputes to each agency and they are not sending verification of how the accounts are valid and they need to delete them from file because there is no contract and they have been paid.
Company Response:
State: MD
Zip: 20720
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I currently have a lease with Chrysler Capital. I decided to pay off the loan early and received payoff amount and sent the check in. It cleared the bank on XX/XX/2020. My automated payment also came out on that date for {$360.00}. I then received notice that I had a {$0.00} payment amount. They continued to take my auto payment out for XXXX and XXXX each for {$360.00}. They now have 3 payment owed to me. I placed a stop payment on my bank account for future payments. I contacted them and they agreed that they owed me the 3 payments totaling {$1100.00}. I then received a debit card refund for one payment with a balance of {$360.00}. I called them a second time and they agreed that they still owed me 2 payments and would put in for the refund. I received nothing. I then contacted them weeks later and the employee said he did not see overpayment and I would need to send bank statements and payment information. I copied all statements involved and faxed them to Chrysler. I have heard nothing since.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A