Date Received: 2020-05-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2018, Shows late payment. I explained to them it was a electronic error automatic payment/ auto pay did not take the money out of my account resulting in a late payment for XX/XX/2018. Company Chrysler Capital.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: XX/XX/17 {$3000.00} I took a lost I have a balance on my credit that is not correct
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Due to COVID-19 there was a extension put onto my account for 2 months. I was never informed that it would impact my credit due to the extension. I now cant get into my new place because my credit went below a XXXX due to this. I called them I'm not getting no help
Company Response:
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
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: Gateway One Lending is reporting an erroneous account on my credit reports that has been challenged to XXXX and XXXX. Both have claimed that the accounts have been verified even though the creditor has ceased to exist and has not provided the validation necessary to leave the account on my credit reports. GATEWAY ONE LENDING & XXXX
Company Response:
State: ND
Zip: 58601
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX with {$20000.00} financing secured through Gateway One Lending XXXX XXXX. I have continued making my payments to Gateway One up until I received a letter from Santander Consumer USA in XXXX of XXXX notifying me that my loan with Gateway One had been sold to Santander Consumer USA ; The letter informed me that I would make my payments to Santander under the same terms of my original contract with Gateway One. Once I received the letter from Santander Consumer USA, I contacted them to inquire how to activate my account online ; I was informed I would not have access to an online account because of my bankruptcy filing in XXXX and I would need to call in every month to make my payments. During this first phone call in XXXX, I asked for my payment history to be sent to me because there was a significant discrepancy in the payoff amount Santander was showing and what I was told by Gateway One Lending when I spoke to them in XXXX and it was over a {$1000.00} difference ; Santander saying I owe more than what I was told I owed by Gateway One. Approximately 2 weeks after my first phone call, I received a printed payment history from Santander followed by a second letter from Santander, dated XX/XX/XXXX stating the following : Dear [ Name Omitted ], Gateway One Lending XXXX XXXX XXXX. ( Gateway ), a XXXX XXXX XXXX XXXX, recently transferred the servicing of their vehicle financial accounts to Santander Consumer USA Inc. ( Santander ) and ceased operations. You may have received a communication from Santander, dated XX/XX/XXXX, related to this activity. Due to the above-referenced account being closed and resolved with Gateway, the communication was sent to you in error. Your account should not have been included in the communication from Santander. Please disregard any previous communications. Please note that neither Santander nor Gateway will pursue collections on this account. We apologize for any confusion this may have caused. Sincerely, Gateway One Lending XXXX XXXX, XXXX. And Santander Consumer USA Inc. After receiving this letter, I called Santander and was told BOTH LETTERS I received from Santander were sent to me in error and I should disregard them. I asked if I would be receiving that in writing and the rep did not have an answer except to state, again, both letters I received from Santander were sent to me in error. The Santander rep had no further information for me so I ended the phone call. I called again at the end of XXXX to inquire about making a payment and the automated system said I owed over {$1000.00} in payments. I continued to make the payment I originally planned on making, {$400.00}, and requested to speak to a representative. The representative proceeded to argue with me about missed payments that I was showing were in fact made and then denied that Santander ever sent me a payment history. I told the representative that I had the payment history in my hand, on Santander Consumer USA letterhead, and I am looking at the 2 payments she was saying I did not pay. The representative then told me to hold on to speak to finance services and after about 10 seconds the phone disconnected. I immediately called back and reached the same representative who told me there is no one to transfer you to in finance services ; she only placed me on hold. I again started to explain that the payments she said I owed, I actually see on the payment history Santander sent me and she again told me Santander never sent me a payment history. By the end of that fruitless phone call, I was told my information would be passed on for review and someone would be getting back to me to clear this up. It has been over a month and no one has contacted me ; Santander is still saying, through the automated message, that I am {$1000.00} behind in payments which is not true.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. SOMEONE OPENED THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : SANTANDER CONSUMER USA. DATE OPENED : XX/XX/2012 AMT. XXXX THEY SAID THEY DID NOT RECEIVE A CLEAR ID, WE FAXED IT TO THEM AND THEY SAID IT WILL BE REMOVED WITHIN 48-72 HOURS, IT HAS NOW BEEN OVER A WEEK.. WE STARTED THIS DISPUTE 2 MONTHS AGO, IT HAS BEEN OVER 30-45 DAYS. WE HAVE PROVIDED THEM WITH THE POLICE REPORT, ID THEFT AFFIDAVIT AND ID THEFT REPORT.
Company Response:
State: TX
Zip: 77074
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-24
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 sold a vehicle, that was financed by Santander Consumer USA, on XX/XX/2020. At the time of the sale of the vehicle, the XX/XX/2020 payment was due. Santander Consumer USA received the payoff for the vehicle on XX/XX/2020. The payoff amount included the payment that would have been made for XX/XX/2020. On XX/XX/2020, Santander Consumer USA reported a 30-day delinquency to the three major credit bureaus : XXXX, XXXX and XXXX. After many phone calls and submitting a dispute to the credit dispute center for Santander Consumer USA, I was able to talk to XXXX on XX/XX/2020. During the phone call, XXXX offered to review my account to track a refund from the GAP coverage on the vehicle and to review payment history in an attempt to find why the delinquency was reported. After reviewing the account, XXXX informed me of what I knew, there were no delinquent payments in the 25 months that Santander Consumer USA serviced the loan. XXXX went on to inform me that the company reports from month beginning to month end, which I was already aware of. A 30-day delinquency is reported if the account is not satisfied with a payment during a given month, not from due date to due date. XXXX then went on to admit to and to apologize " for a mistake that Santander made '' and promised to escalate my complaint. I did not receive a call from the Executive Office at Santander, as promised, so I called back to the company on XX/XX/2020. The CSR, who answered my call, escalated my call right away after hearing my concerns. XXXX, in the Executive Office at Santander, addressed my concerns and reviewed my account. After reviewing my account, XXXX confirmed what XXXX ( on XX/XX/2020 ) told me : my account had never been delinquent and that credit reporting at Santander is based on month beginning to month end, and that my account did not qualify for a 30-day delinquency. XXXX assigned a case manager, XXXX XXXX, to my complaint. XXXX XXXX contacted me via phone on XX/XX/2020. Mr. XXXX informed me that he had tracked the " missing '' refund and I informed him that I received the refund on XX/XX/2020 in the form of a debit card. I asked Mr. XXXX about the credit report and he stated that " the credit bureaus would not allow us [ Santander ] to report as we would have had your loan not been paid off in XXXX. We had to report based on due date to due date, and because you were just over 30 days late, we reported a 30-day delinquency. '' I informed Mr. XXXX that in addition to being advised contrary to what he stated at the time I sold the vehicle AND having been advised contrary to what he stated by two Santander Consumer USA staff, what he stated was not true. Mr. XXXX then went on to ask me to have the dealership, who purchased the vehicle that I sold, to take the blame and submit a letter to him by XX/XX/2020 stating that I was ill-advised by one of their personnel. Mr. XXXX promised that he would then correct the delinquency for XX/XX/2020 reported by Santander Consumer USA. I have consulted with a consumer attorney to clarify what was the correct way for Santander Consumer USA to report on my account, and I have been advised that the credit reporting period is indeed from month beginning to month end, regardless of when the vehicle is paid off. This rule does not change because of a payoff and Santander Consumer USA should not have reported a 30-day delinquency.
Company Response:
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2020-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was a co signer on a vehicle financed with Santander USA. My husband and I filed for divorce and he was ordered to refinance the vehicle in his name. Santander USA made multiple collection calls to me. I tried inquiring information regarding the balance but they refused to give me details. They just kept asking me how I wanted to take care of it. Even after I explained that the primary account holder was ordered to refinance the loan they said I was financial responsible. I asked how can you hold me financially responsible but will not give me access to the account or give me any details about amounts due. They refused to disclose any information regarding the account. They reported against my credit but never sent any letters to me to explain anything was past due. I disputed credit reports and Santander updated some of the past dues. It is against the law to report to credit bureaus with providing any information amount debt owe. They told me when the account closed they would remove it from my credit history. Now I cant get it removed because they have no number to their credit department. Its causing my credit to be damaged.
Company Response:
State: TX
Zip: 76226
Submitted Via: Web
Date Sent: 2020-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an auto loan serviced through Santander. The loan shows several false late payments on my credit report. These payments were never late and have been reported incorrectly. Santander recently settle a lawsuit which outlines they correct all negative information on a customers credit report. As well as XXXX the customers balance and release the lien and issue the title to the customer. None of which has been done.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with a high probability of default. Based on a multistate investigation, the coalition alleges that Santander, through its use of sophisticated credit scoring models to forecast default risk, knew that certain segments of its population were predicted to have a high likelihood of default. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights, and risks of partial payments and loan extensions. As a result of these unjust practices I have a negative account status currently reporting on my credit files.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A