Date Received: 2020-05-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had contacted Santander Consumer USA I filed an extension on my account on XX/XX/2019. They extended my loan and approved my request. The paperwork was not sent out to me until XX/XX/2019 and I had until XX/XX/2019 to send the documentation back according to the paperwork before being reported to the credit bureau as late. Paperwork was signed and received on XX/XX/2019. Which pushed my payments to the end of my loan to avoid my account being reported negatively. The extension request was approved however the payments were still reported late. I spoke with someone who works in the office of the president who stated he can see that the paperwork was returned and processed however because the payment was late and the extension request was not signed and returned the same day that it was sent, so my account was reported negatively even though the loan was extended. Documentation states I had until the XXXX of XXXX. They were not able to assist because they claim it was valid. This is preventing me from purchasing a new home.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have a XXXX XXXX XXXX that I has been under a loan with Santander USA since XXXX of XXXX ( 9 years ) with a high interest rate. The vehicle is not in the best condition but it is the only vehicle I own and I am still paying a car payment on this vehicle in XXXX of XXXX. I have a principle balance of {$290.00} but the total amount including fees is reflecting {$690.00}. I have contacted the finance company several times and requested some or all of the fees be waived due to the new modification of the loan from back in XXXX. They are refusing to assist me to allow me to pay off the vehicle and obtain the title to the vehicle. The final call I made was to a supervisor I was transferred to on XXXX XXXX requesting assistance and my request was denied. She gladly provided her name of XXXX and employee ID number XXXX as if my issue will not be resolved. I literally have paid for this vehicle twice and have been financing it for 9 years. I am only asking for the fees to be waived so I can finally own this vehicle.
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted these debt collectors and let them know that I recently obtained my consumer credit file and discovered their agency was reporting alleged debts due and owing. Accordingly my records reflect that they were not, neither have they ever been a known creditor of mine. Therefore I respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, and 15 USC1681, respectively.
Company Response:
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Have reached out to Santander for a change in interest rate of XXXX % Have been laid off due to XXXX XXXX and hoped to settle loan for {$9000.00} dollars using XXXX withdrawal to decrease expenses and sell auto. Requests have been denied. The interest is excessive and unable to decrease balance because of this and car is underwater
Company Response:
State: MA
Zip: 01602
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: SAntander USA has inaccurately reported information on my credit report for account information that I have no knowledge of. Per 15 U.S code 1692f, The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. Santander is reporting information that is a direct violation of the law. I was not properly notified of ANY balances with Santander or the reporting ofany items. Additionally, I am a victim of predatory car loan lending for subprime consumers. Santander violated consumer protection laws by exposing subprime consumers by knowingly and intentionally financing auto loans with a high probability of default, charged excessive fees that were not detailed in the note and charged for payments and violated. Santander is obligated to provide detailed information regarding any negative accounts before reporting which they failed to do. Santander has failed to my request regarding documented proof that I was notified of any remaining balances or a charge off. This debt does NOT belong to me
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Long story short was a co-signer on a car for my soon to be ex husband ( listed as or on registration ). Nasty divorce. He would stop paying I would have to pay for it any time before it got to the 30 days so as to not affect my credit. Well I finally found the car in XXXX using a private investigator towed it and sold it to a private seller paying the Balance and the check clearing on XX/XX/XXXX the due date. I was ecstatic finally I could stop stressing my credit! Then it showed up on my credit report as XXXX payment being late. I sent a letter to Santander in early XXXX to dispute it. It was denied. I had them send me the payment records which show that XXXX was made on time. I filed with XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX got denied. Reached out to Santander chat feature where the Santander rep actually agreed that XXXX was made on time and had to send it to a manager to escalate the manager XXXX called me. He too agreed that XXXX payment was made on time however he explained ( and their calls are monitored I hope ) that because I had made the payment before it got to 30 days each month that Santander could never report it as being late because I made the payment but with final payoffs they are allowed to bring the account current. He went to Looking through the records and said something about a payment in XXXX being late. I said thats fine but can you please update my credit report. BecAuse although my husband hasnt shown up to any court dates he could potentially show up at one and use the credit report as proof that I claim to be so worried about my credit yet the ONE MONTH when I towed the car from him to sell it is the month that was +30 days over. I just want whatever the late month if there is one to be shown. He told me my credit report should be showing the correct month and if I felt it was incorrect to email him and he would look. He was very rude. I hope you can listen to the call. I emailed him on XX/XX/XXXX and heard nothing back so emailed on XX/XX/XXXX and still nothing so on XX/XX/XXXX I filed with XXXX again and was denied. Again, I just want the correct month that was past due to be showing. Thank you!
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: XXXX XXXX XXXX FM XXXX XXXX, TX XXXX Re : Santander/Chrysler and XXXX XXXX Thank you for taking the time to review the complaint Attorney General on behalf of Santander/Chrysler Capital. XXXX of XXXX, XXXX XXXX XXXX salesman who performed unfair deceptive sales practices regarding the XXXX XXXX XXXX. During the period of the loan, payments were rendered as agreed. During the final year of the contract, the vehicle began to generate a cost for a series of repairs. Developing trust with Mr. XXXX made contact for advice, and possibly purchasing another vehicle. Being instructed to get rid of the vehicle and obtain a new one. The vehicle was returned as instructed, however ; a voluntary repossession was reported to all major credit profiles. Attorney General, if you review my payment history again, I remained complaint throughout the entire contract with additional fees as paid online. Placing a burden to compromise my credit along with my creditworthiness after having an exceptional payment history is disturbing. To be a victim of predatory lending practices, DTPA and the OCC are reasonings for a full investigation. To see a voluntary repossession on my credit profile not once did XXXX questioned the return of the previous vehicle. To add insult to injury was served as a debt citation. and received no other correspondence regarding a balance owed prior. With the continuation of aggressive phone calls from XXXX XXXX XXXX, customer service reps falsely implied that they were a law firm working for attorneys, along with using scare tactics to retain debt. Continuing with depletion of credit and creditworthiness, a notice of a judgment for a balance. Several months later, I received a notice that judgment was placed against me for the balance owed. Attorney General, many laws were broken with the series of events that occurred : According to the law. In section 17.41 of the Texas Business and Commerce Code, the Texas Deceptive Trade Practices-Consumer Act ( DTPA ) protects the consumers against false, misleading, and deceptive business and insurance practices, unconscionable actions, and breaches of warranty. For Mr. XXXX to mislead and deceive me to gain a sale is against the law. Also, according to the Office of Consumer Credit Commissioner, holders includes sellers who assign or transfer XXXX and acceptance companies and related finance companies that acquire XXXXs. Chrysler Capital/Santander, License # XXXX at the address of XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX is in a surrendered status. According to the OCCC, a creditor that has failed to send a notification of disposition and has not provided a written relinquishment of the balance after disposition. Sued without any notifications from the courts or balanced owed. In addition, license # XXXX at the XXXX XXXX XXXX XXXX, XXXX Tx XXXX -neither location holds an active motor vehicle sales finance license and probably was in surrendered status during the time I purchased and paid monthly payments on my vehicle. The lending practices of Chrysler Capital/Santander victimize low-income consumers such as me. During my time of possession of the vehicle, I have gotten several robocalls to collect in violation of the TCPA.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting a release option for co-signers, according to the Consumer Financial Protection Bureau a release can be obtained after a certain number of on-time payments. I am requesting to be released from this lease agreement as it has been returned and payments have NEVER been made by me. The sole responsibility of this lease was for my son XXXX XXXX. There is confusion at times being that we have the same name. I am attempting to get a loan for the purpose of re-siding a home that I am too old to get up on a ladder and paint. I am a Veteran of the United States XXXX and retired XXXX XXXX XXXX This is regarding the XXXX XXXX XXXX, account # XXXX - XXXX XXXX XXXX XXXX Typically after a certain amount of payments, the co-signer can be removed. This lease has been turned in and I need it to be removed from my credit report.
Company Response:
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt is apart of class action suit against Santander and another company has bought their paper at pennies on the dollar. I was sold a lemon from the dealership and Santander didn't care about it. I was making my payments on time until I began having major problems with my car. They showed on my credit report that all but 1 payment was on time and have continued to harass me all these years since 2016. Here are a few suits in the process : https : XXXX? XXXX https : //www.lawyersandsettlements.com/lawsuit/santander-faces-class-action-lawsuit-over-fair-debt.html Here is another lawsuit : XXXX : XXXX Now this new company : XXXX XXXX XXXX is doing the same thing and has reported a debt that was original with Santander Consumer USA. I never received anything from XXXX XXXX XXXX regarding their purchase of the note at a discount. They are a Factoring Company that buys bad debt in bulk and harass consumers for full payment amount when debt has already been discharged.
Company Response:
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found 30 days late payment on the date XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A