Date Received: 2020-05-12
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Santander quoted me a payoff. They over estimated the amount. I received my title but then I received a debit card in the mail with the {$12.00} credit that was overpaid. The debt card comes with the agreement that there is a $ 3 monthly fee. In order to call them to ask a questions regarding this account, you are printed to activate or hang up. If you activate then you are bound by the new debt agreement and I dont want to be. Also, they list a phone number for the consumer protection bureau of ( XXXX ) XXXX but that is a non working number. I would just want a check sent in the mail and not a debit card. If the debit card was able to have cash taken out of an atm then it would be fine but it says you can only make a purchase with that. Its not my problem that I over paid. I paid the proper amount and now they limit the amount of options I have to reclaim the money they owe me? Thats not fair.
Company Response:
State: NJ
Zip: 07644
Submitted Via: Web
Date Sent: 2020-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In XX/XX/XXXX or XX/XX/XXXX, Chrysler Capital owed me a refund of {$43.00}. Chrysler Capital 's address is XXXX XXXX XXXX, XXXX, IN XXXX. Rather than send me a check, as I would have preferred, they sent me a prepaid MasterCard XXXX XXXX XXXX XXXX. I hate prepaid debit cards and would never accept one if given another option. The documentation that arrived with the card clearly showed that I could not get the cash from it, but had to spend the balance instead. I threw it in my truck and after some time I tried to use it, but it was declined. I have never accepted any form of a cardholder agreement for the prepaid card. I wrote to Chrysler Capital requesting a check for the refund. They never responded. After a while I received a letter from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. They sent me a check for {$16.00}. Again I wrote to Chrysler Capital asking for the balance, and again they did not respond. I did receive a letter from XXXX asking me to call them for resolution. After several attempts, I finally reached a customer service agent. She informed me that They kept {$27.00} for fees, which they would not send to me. The original letter with this card shows that it is issued by XXXX XXXX XXXX. I clearly did not request this card, nor did I agree to any fees. I want my refund in the form of a check.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I already submitted a prior complaint which resulted in another date change on my XXXX report that is completely false concerning an old debt with Santander. It was also on my XXXX report, but has since been deleted. XXXX is the only one reporting this outdated debt that is far beyond the time limits for reporting. The account open date is incorrect as well as the Last Activity date which continues to get changed by Santander. I submitted a complaint with cfpb showing the Last Activity date XX/XX/XXXX ( which should actually be back in XXXX ) and just received an updated XXXX report that now shows a date of last payment to be XX/XX/XXXX. That is a complete falsehood. Not only did the date change, but the amount owed doubled! This is Santander 's attempt to use XXXX to collect on an old debt where the statue of limitations has long ran out. There is no proof on Santander 's reporting to XXXX. I have attached a copy of the date changes. If this is not resolved my next action is to file suit against XXXX through XXXX XXXX XXXX.
Company Response:
State: TX
Zip: 76082
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I look at my credit weekly due to fraud with someone having same name and DOB as me in same city, now I am seeing a lot of inquires on my credit on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from several companies I have had no contact with nor have any idea who they are and what they be using my ssn number for as I am not needing anything regarding my ssn number. The companies that have illegally used my ssn information is XXXX XXXX XX/XX/2020, XXXX XX/XX/2020 and Chrysler Cap XX/XX/2020. I would like these illegal inquires removed immediately as well as documentation showing my id and signature allowing use of my ssn. Furthermore I was working on each one of these days 12 hours and we are not allowed phones on my job which is a little more alarming as to how my credit was ran without my consent or me in person.
Company Response:
State: TN
Zip: 384XX
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inaccurate information on credit report.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2020-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Consumer USA Inc. is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XX/XX/2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.
Company Response:
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The Car was involved in a car accident, how however the vehicle was partial pay off they had over charge with high interest balance in put in on my credit, showing that I was 120 days in which my insurance given them a settle amount already.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i check my credit report on XX/XX/2020 and notice an account from santander consumer usa reporting inaccurate information on my credit and i am requesting validation of this account because i do not recall having this item.
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The account is closed and charged off and needs to be removed from my credit report. I am still making payments on the account and I still have possession of the vehicle. Santander Consumer USA is reporting false information that is negatively affecting my credit score tremendously.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2020-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My Car loan was extended/deferred because of the Covid 19. A statement was placed on my credit report and it dropped my score XXXX points and caused me to get denied for a personal loan.
Company Response:
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A