Date Received: 2020-06-03
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: Santander should of been removed from all of my credit bureaus.
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I recently looked at my credit report and seen Santander financial showing as closed account/ bad debt with a charge off amount but car was totaled and insurance paid off the the loan, and I had gap insurance coverage insurance was through the general so should not be showing as a charge off
Company Response:
State: GA
Zip: 31024
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-02
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I bought vehicle from XXXX XXXX XXXX, in XX/XX/XXXX, through the XXXX XXXX XXXX SANTANDER CONSUMER USA!. I have paid XXXX to this date, my payoff is XXXX dollars to this date, XX/XX/XXXX. I financed XXXX, I am being charged almost 27 % interest! they misled the cost and the terms of the auto loan, they are crooks. I do not appreciate being taken advantage. I have had problems with keeping up with the loan, due to the high fees and interest rates. my car has mechanical problems, and I am forced to fix it, I can not trade this vehicle in, because, I am extremely negative on the equity. Please help me and many others who have suffered enough. I need a running vehicle for my family and myself. I am also very frustrated, because they hid things that were not supposed to be hidden. Thank you-m.
Company Response:
State: OH
Zip: 449XX
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: I purchased a new car financed through Santader Consumer Finance in XXXX XXXX. I made steady on time payments consistently from that date forward, to include a small extra payment each month. In XXXX of XXXX we sustained some minor storm related damage to the vehicle. The vehicle is insured through progressive insurance. During the claim process with XXXX I expressed that I have 20+ years experience in paint and body repair and would be repairing the vehicle myself, out of pocket while awaiting the arrival of the insurance check, which was made out to myself and Santander . I spoke with Santander via their online chat portal, in which the representative informed me that Santander would not release any of the funds to me and would instead apply the funds directly to the principle owed. I received the insurance check for {$820.00} the balance of the estimated repair minus my {$500.00} deductible. I endorsed the check and included a note stating that I had already repaired the vehicle out of pocket and wished for the proceeds to be applied to my balance as was discussed previously with a Santander customer representative. The check was mailed from XXXX XXXX, LA to a XXXX, TX payment XXXX XXXX as is listed on all Santander payment documentation, on XX/XX/XXXX. I waited several days, checking often to see my account balance to reflect such payment. After a few days i became concerned and again contacted Santander to acquire about the payment, and was informed they did not receive the payment. I then contacted XXXX, who informed me that they did not have any indication that the check had been presented for payment, initially. I continued this process for a few more days checking every couple of days. Santander continued to claim not having received any payment, until I informed them on XX/XX/XXXX the check had in fact cleared XXXX XXXX 's bank as was confirmed by phone by XXXX. On XX/XX/XXXX I spoke by phone to Santander this time being refereed to an insurance representative of theirs who then stated that the funds would be applied to the principle of the balance owed on the account. However on XX/XX/XXXX, I made my regular monthly payment, of course the accrued interest for the full balance owed was charged and taken from the payment, with the remaining balance being applied to the principle. So Santander, received a {$820.00} dollar payment on or amount XX/XX/XXXX, denied having received the payment, and continued to charge me interest on a principle balance that I did not legitimately owe. So in fact Santander has stolen money from me in the form of interest in which I did not owe. And as of XX/XX/XXXX has still not credited the balance of the account and is currently still charging me interest for a principle balance that i do not owe, even though they have been paid.
Company Response:
State: LA
Zip: 71111
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Purchaser is incarcerated and this is being submitted by his father, who has power of attorney over the purchaser 's affairs. Purchaser has never qualified for a loan without a cosigner in his life. He has heavy debt and is behind on child support. He was likely inebriated when the purchase was made. Somehow the XXXX XXXX XXXX Dealer in Missouri took possession of a XXXX as a trade-in, sold Purchaser a XXXX XXXX XXXX for {$26000.00} and also issued Purchaser a {$30000.00} loan which was financed through Chrysler Capital. No doubt fraud was involved as no one can explain how this was legal. Purchaser never made a payment and was XXXX. He signed a power of attorney to his father. The father faxed the POA to Chrysler Capital months ago but Chrysler will not send the father the paperwork, return his calls, or explain how this loan ever got issued in the first place. He would like to return the car but can not get instructions on how to do this. A friend of the family who is an attorney has contacted the company but can not get answers either. The father is NOT a co-signer or co-purchaser but there was no other option on this electronic form.
Company Response:
State: MO
Zip: 65251
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2020 my wife and I submitted a joint application for credit from Chrysler Capital through a link on website provided by Capitol Chrysler in XXXX XXXX MO. We received a letter of preapproval that we took to another dealer, XXXX XXXX XXXX XXXX XXXX in XXXX, KS because we got a better deal on the vehicle we wanted. All went smoothly we left that day with our vehicle and have been making payments ever since. On XX/XX/XXXX we were sent a letter from Chrysler Capital notifying us of an adverse credit determination. How can that be? We were approved and took possession on XXXX XXXX and have made timely payment since then. Why would they submit incorrect, erroneous information to our credit file? That should be corrected immediately.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
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 paid this loan off XX/XX/2019. I was never late!
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have a new car loan with Santander Consumer USA. I obtained the loan in XX/XX/XXXX for a brand new XXXX XXXX XXXX. Due to unfortunate circumstances, I declared Chapter XXXX Bankruptcy and was discharged on XX/XX/XXXX. However, Santander WAS NOT DISCHARGED. In fact, I signed a Reaffirmation Agreement with them and will attach it to this complaint. I also will attach a payment history showing I am staying current with my payments. Despite phone calls to them, they are refusing to list my loan on my credit report. They told me this is their policy, to take down the credit reporting when bankruptcy is declared. If a loan is reaffirmed, they will not put it back on your credit again and will not report. I have discussed with them that my bankruptcy attorney said the reason for the Reaffirmation Agreement is so that they will continue to hold my loan in good standing and report so that I may regain my credit standing. However, to no avail, as they said they will not do so. Please help me with this as I very much need to improve my credit score after my unfortunate personal situation. Thank you.
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Santander Consumer USA does not report my monthly car loan payments to XXXX, XXXX and XXXX. Nothing shows on my credit report about any payments being made to Santander Consumer USA.I have been paying Santander {$340.00} a month since XXXX and no payments have been reported.I have contacted them twice. The first time ( XX/XX/20 ) they told me they always report everything. The second time ( XX/XX/20 ) they told me he didn't know if they reported it and he didn't have access to see it.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A