Date Received: 2020-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern, May I please request you wise assistance. I have experienced identity theft on my personal credit report. For many months, I have been working to un-wind this disaster. Practically all of the companies that I have dealt with have been compassionate with my ordeal and have tried to assist me. Santander Consumer USA has gone out of its way to destroy my credit. I have done everything the company has requested to correct the situation. I have submitted a Police Report singed my the Captain of my local Police Department. I have notarized a sworn affidavit demanded by the company. I have filled out a document sent to me by the company attesting to Identity Theft. All I have received back fro the company is a form letter telling me that there is not enough evidence submitted to support my claim. I am at a total loss here, as I have no idea what I can possibly do to get Santander Consumer USA to correct my credit report. I the meantime I keep receiving notices from all, three credit agencies that every month for now many years, the company keeps reporting charge-offs. This situation has greatly impacted my life. As this coupled with a number of other errors that I am working on daily with the credit companies, is responsible for my not being able to rent an apartment. I own a home that is being sold. I suffered a XXXX XXXX a number of years ago and now I have problems with my memory and confusion. I need to be closer to XXXX Minnesota and the XXXX XXXX for continued care. I am a senior citizen and need to move into a facility close to the medical campus. The apartment community is telling me that I will have to have 6 months upfront deposit before I can lease. The main problem here is Santander Consumer USA. Ther is a balance of some {$25000.00} sitting and the company somehow has gotten ahold of my Social Security number and has attached it to this debt. My question here is just how can I get this resolved. This took place in 2015. I do not know any more than that. I never needed to look at my credit report, because I never buy anything with credit then a car. I own a used XXXX. I believe that I am being treated very unfairly. I have gone to the Police Department a number of times and now I believe that they have turned over the matter to a state attorney. This seems total nonsense to me. Why will this company do cooperate and try to help me? Thank you.
Company Response:
State: IA
Zip: 521XX
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: SOMEONE OBTAINED AN AUTOMOBILE IN MY NAME FROM SANTANDER CONSUMER USA FRAUDULENTLY, AND THE INVESTIGATION HAS BEEN GOING ON FOR OVER 60 DAYS. I HAVE PROVIDED THEM WITH A POLICE REPORT, ID THEFT REPORT AND IDENTITY THEFT AFFIDAVIT, AND THEY ARE SAYING I HAVE TO WAIT ANOTHER 30-45 DAYS.
Company Response:
State: TX
Zip: 77074
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an Auto Loan with Santander Consumer that was paid off XX/XX/2019. Per Santander the balance was {$22000.00}. XXXX sent them a check in the amount of {$22000.00} on XX/XX/2019. On XX/XX/2019, Santander closed this account as Paid in Full. On XX/XX/2019, this account was reopened and reported as 30 days late with a balance of {$510.00}. I contacted Santander and they could not explain to me how a balance was calculated on my account 2 months after they acknowledged that it was paid in full. This account is now showing as a charged off account on my credit report and has caused detrimental damage to my credit score. I am a XXXX XXXX XXXX and have been denied XXXX funding due to this charged-off account which is possibly going to cause my business to shut down. I have disputed this account several times and I can not find any relief. Please make this bank stop ruining my credit reputation. I spent {$6000.00} towards the negative equity getting out of this vehicle only for them to lie and place a derogatory mark on my credit.
Company Response:
State: MS
Zip: 39194
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Hi I just bought a car in XXXX and my 1st payment was due on XX/XX/2020. Due to the covid crisis I was not able to pay the first installment in XXXX.. I just called my loan company Santander and made the first payment and will be making the next one next week for this month. Santander informed me that they reported my payment default to the bureau for my XXXX payment.. I would like to request to clear that out from my credit record as it was not intentional but I was off work because of the lockdown and covid 19 crisis. My credit record is new and I dont want to spoil it because of something which was not in my hands. Kindly do the needful Thank you
Company Response:
State: CA
Zip: 94086
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I have contacted Santander bank which is who is financing the car for about 6 years in regards the interest rate and their statement that does not make sense. The payments that were made never showed where it was applied, when asked about the interest rate and how was applied was never answer we were put on hold and disconnected. We were blocked from the online account after statement info were obtain, which showed that the amount never went down, when asked were the money was going supposedly it was applied on the interest which is 22 % but why it is not broken down on the statement, why the actual amount after interest is not showing on the statement. I told them that the 22 % is not lawful in my state their answer was its not up to them. When finally spoke to a supervisor she said off the record fight cause they are taking your money. We have paid a total of {$44.00}
Company Response:
State: NY
Zip: 11106
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I got a car loan in 2014 I am about to pay of loan off 5 months early. I called Santanders USA to see how much I had left to pay and to find out if this loan would go on my credit report. I went to look a cars a few months earlier and was told that it was not on my report. I was told by Santanders that my co buyer went bankrupted and because of that it would not be reported to the credit bureau on my behalf but that they could send me a receipt for the {$22000.00} I pay for the car. I myself have made all payments for this vehicle each month as the buyer never has the co buyer even been contacted in anyway or made any payments.
Company Response:
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
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: I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Company Response:
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-27
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have written to Santander to remove the negative collection account under my name because there is a paying as agreed account listed already so there are 2 accounts. This is an error and they dont want to remove it and keep showing it on my credit report and its preventing me from getting jobs and defaming me.
Company Response:
State: CA
Zip: 90002
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Chrysler Capital reported negatively on my credit report due to a missed payment on XX/XX/2020. I was not notified of this missed payment before it hit my credit score. I work as a XXXX XXXX XXXX XXXX and currently there is a pandemic going on with XXXX XXXX XXXX being hit the hardest. I was not notified that I had missed a payment and once I was notified through my credit score I called Chrysler Capital on XX/XX/2020 and made a payment of {$1000.00} to bring my account current. This payment included any past due amount and my current payment of {$330.00}. I am not even sure why I had to pay so much. If I was month behind with my current payment the total would be {$660.00}. It shows my last payment on my credit score as XXXX XXXX. I asked them what can I do to get this removed from my credit score as it not only hurt mine but my wife 's credit score as well. I have never missed a payment in the five years I have been a customer. They instructed me that due to the current pandemic Chrysler Capital is not making any special accommodations for anyone affected. I explained to them that I am on the frontline of this pandemic and go to work often most times working a 24 hour shift. I have a family and there has been complete lifestyle change with schools being closed and all routines have been halted. With so much going on, one missed payment happened. They then instructed me to write a letter to have this removed off of my score. I sent a letter out the same day by priority mail so I had tracking on the letter. In addition to the letter I had to include a copy of my credit score which showed my prompt payments. Two days later I get another notification of them negatively reporting me again. I called Chrysler Capital once again on XX/XX/2020 and I asked for a supervisor and even a manager. They repeatedly told me over and over to write a letter which I had already done and that I should call XXXX and dispute it with them since Chrysler Capital was planning on doing nothing and no special accommodations would be made. These calls are recorded and can be pulled to hear word for word what the representative told me. I had even expressed that I would take this concern up with the XXXX XXXX XXXX if nothing was done. This got me absolutely nowhere. I did call XXXX shortly after to submit a complaint to have this removed off of my score. I let a few days go by to wait and see if they received my letter. I called Chrysler Capital on XX/XX/2020 which is when I was told that my request to have this removed was denied. Once again this is me having to call to get an answer. I was never notified by email, phone or letter about this denial. I asked several times for a supervisor and no one was able to get one on the phone. They repeatedly told me once again no special accommodations were to be made. They said I could write another letter to try to get the reversal on the decision. At this point I'm extremely frustrated. I work as an essential worker and have a family and I pay all of bills on time including Chrysler Capital. I have never been late before this time and I still have no idea why the charges are an extra {$430.00}. I need this resolved and the right thing to be done and to have this removed off of my credit score. I reported it to XXXX and now I'm reporting it here. This is an extreme inconvenience to me as I am refinancing my home and this is hindering all abilities to move forward.
Company Response:
State: NY
Zip: 10309
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A