Date Received: 2020-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: SANTANDER CONSUMER XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$26000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2015 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Company Response:
State: NV
Zip: 89081
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: In XX/XX/2016 I purchased a car from XXXX XXXX XXXX in XXXX, Ne. I had a pre approved loan thru a lender and found an advertisement with XXXX XXXX for a car that fell with in the budget and stated no money down. When I got to the dealership, test drove the car, liked the car, went into the office to submit the paperwork for it, My sales rep comes back a few minutes later and says my lender wont approve the car because it had a " lemon '' title attached to it. He offers to try some of their lenders and see if he can get me approved for more money so i can look at other cars. I found another car and by then they get a response that I was approved by another lender. My sales rep tells me he found a lender willing to give me a loan but under one condition, they would only approve me if i bought the extended warranty contract. Fast Forward 4 years later the subject of extended warranty contracts being used as a tactic to get more money out of lenders comes up and I decide to call my auto lender ( XXXX XXXX XXXX XXXX ) The representative told me that they do not require such a thing, they are not aware of the conditions of the contract drawn up by the dealership for the sale of the car, they just send the requested amount. the bottom line here is that XXXX XXXX 's sales rep flat out lied about having to purchase that warranty. That was an extra {$2600.00} tacked on to my cost of that car. I still have 2 years left to pay for that car. i will end up paying just over {$25000.00} for a car that was only 2 years old at the time that had a sticker price of {$13000.00} all because of a lie. I consider that fraud. Fraud for lying that it was required to purchase when it wasn't, fraud because they used the fraudulent charge to make up the difference for " no money down. Cant imagine how many other people they have made money off of using this tactic.
Company Response:
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Chrysler Capital continues to furnish information on a credit report regarding repo. When the vehicle was retrieved, documents regarding bill sale after repossession. The company failed to comply with FCRA guidelines. Withholding information, continuing to tarnish credit and creditworthiness. The actions of the company will enable future opportunities to establish and rebuild credit.
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Santander Consumer USA 's representative stated, on a recorded phone call, that the alleged loan/account was sold to XXXX XXXX and that the consumer should contact XXXX XXXX. The representative supplied the phone number to XXXX XXXX. Consumer called XXXX XXXX and spoke to a representative name XXXX who confirmed that XXXX XXXX does not have an account for the consumer and they are not collecting any alleged debt. This behavior by Santander Consumer USA is clear violation of 15 USC 1692c, 15 USC 1692e, 15 USC 1692f, and Public Law 111-203. Concurrently, the information being reported on the credit report of the consumer is inaccurate and in violation of 15 USC 1681 et al. The consumer demands the removal of this erroneous reporting and will be seeking relief of {$1000.00}, by money order, be made payable to XXXX XXXX XXXX XXXX withing 10 days of receiving this complaint.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: A Santander auto loan was already on my XXXX file as a derogatory mark for seven years. The auto loan account fell off my file several months ago once the seven year marked had been reached. XXXX will not remove the account from my file as I had previously disputed the dollar amount.
Company Response:
State: AZ
Zip: 85017
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I purchased a used vehicle in XXXX. I financed it with Santander. In XXXX I sold the vehicle to a guy who wasn't able to get financing so I carried the note for him. He defaulted in XXXX and I wasn't able to make the additional payments. There was a little over {$3000.00} left owed on the truck. 11 years later and Santander continues to change the dates on the account and continue to report the debt on my report. I have gone through every option available to get them to remove the debt, but they refuse. I don't have a copy of the loan documents so I haven't been able to prove the dates. I have requested a copy of the original loan document and Santander doesn't respond. They are now showing the account as being opened in XXXX of XXXX. That is incorrect. I have since rebuilt my credit and got back on track. However, I'm limited because Santander is reporting far beyond the 7 year reporting time.
Company Response:
State: TX
Zip: 76082
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: On XX/XX/XXXX, I received the ONLY call I've ever received from this company saying that they had made multiple attempts to communicate with me regarding a debt. I called back and a lady named XXXX XXXX answered. By using my phone number, she was able to ascertain that I had an account with them for a debt that is in a public record. She basically told me that I owed more than {$10000.00} and could settle for less than {$2000.00}. She told me that if I didn't pay, they would take me to court and have a judge issue a warrant for my arrest. I asked if I could pay the settlement amount over 6 months. She said yes. We arranged for me to pay {$250.00} per month until the total was satisfied. On XX/XX/XXXX, I spoke with a family member who mentioned debt collection scams. This person helped me XXXX phone numbers and names. As expected, the names I was given for contacts were not found. The two phone numbers I have for the company are attached to pages and pages of scams. All the entries from others with the same complaints with the same sort of dialogue and threats. I checked with the XXXX XXXX XXXX. There is not information for LSA other than complaints with the same information. At this time, I can blocked their numbers and changed the credit card number to ensure that I will not contacted or charged again. Someone should shut down this fraudulent company.
Company Response:
State: TN
Zip: 38122
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have repeatedly filed disputes with Santander for inaccurate reporting of this debt. The car was repossessed by Santander in XXXX and sold at auction by Santander in early XXXX. Santander is incorrectly reporting that the account is currently no being paid it reports 72 charge offs. Unfortunately I cant access the paperwork showing the repo date because all of my paperwork with them was electronic.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, My name is XXXX XXXX. On XXXX, XXXX 2020. I received a notification from the credit report saying my account with Chrysler Capital was delinquent. I called them the next following day, they confirmed the account was passed due and they could not contacted me due to the call volume they have been receiving as consequence of ( Covid-19 ). I explained, first of all, I was never notified about the issue and even though the account was under my name the vehicle belongs to my ex-husband and he is the one in charge of making the payments. I contacted him immediately and he hasnt been able to make the payment due to financial strangles because of ( Covid-19 ). He made half of the payment due but the delinquency is still showing on my credit report. I can stress enough how hard this situation has been for the whole world and it is even worth when the decision of someone is affecting the wrong person. I am a single mom with a XXXX year old daughter and I have been working really hard to support my little family and a good credit is going to help me to provide a home for my baby to live in. It was not my fault Chrysler Capital did not have enough personal to cover the volume of calls and for that reason they decided not to call any of their customers. It is not fair under the situation we are all currently living to make this drastic decisions like this. We do not know if we will survive or if we will be able to keep our jobs. This type of delinquency states in the credit report for years that means it will affect me for years. This company needs to be more sensitive to the situation and give their clients a break to focus on our families and our health. Please review this complaint and I implore you to help me to remove the delinquency from my credit report. As I stated before, I am in the process to purchase a house, with this I will be able to provide a better quality of life for my daughter.
Company Response:
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: CFPB Claim against Santander / XXXX XXXX XXXX ( seperate from Santander ) On or around XX/XX/XXXX my husband was in a car accident with my XXXX XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX, my insurance carrier ( XXXX ) deemed my vehicle a total loss. As a responsible person, I made on time payments to my Santander finance account in XXXX and XXXX even though I no longer had this vehicle, while my insurance and GAP coverage processed claims. My insurance company made their payment to Santander on or around XX/XX/XXXX. In XXXX, Santander provided my GAP carrier the pay off for the remaining balance of {$6000.00} On or around XX/XX/XXXX my GAP coverage made a payment to Santander for {$5100.00}. This is where the issue begins. No one can tell me in detail why there is a {$680.00}. Communication detailing the reason for the balance was never provided. I have made numerous calls to both companies and neither has been able to help me understand why this balance exists. 90 days later I still can not get resolutions to this issue. On my call with Sanatander today I was told my pay off balance is now at {$930.00} with more principal and interest and I do not even have a call. My call today with Santander was the last straw. I first spoke to XXXX XXXX ( XXXX ) who hung up on me. I then spoke to a second agent # XXXX and after detailing the issue and walking him through my problem, he also had no explanation, and only summarized the dates of payments received. I asked if I could pay off the initial balance of {$680.00} and he said that this was not a possibility as I am late making the " presumptuous '' balance. I told him I understand there is a balance but no one can tell me why. I need to know who made the error as it is my understanding my call got totalled. He said I was still responsible for the pay off amount. I told him I was in good faith wanting to pay off the balance of {$680.00} but need all late reporting removed and I need resolution as to why this balance even existed otherwise I would file a complaint with the CFPB. Only then did he escalate the call to a Manager on Duty. After being transferred to the Manager on Duty # XXXX, she explained that my threat to report to CFPB is noted and that she will attempt to help me. Again she had no ability to help me by waiving my late /accruing fees. She said she would file a request to waive fees but this is not guarantee and that this would take 24-72 hours and to call back for their response. She gave me a new payoff amount of {$930.00} that includes the unpaid balance, unpaid interest and late fees. I now have to pay an additional {$300.00} but yet no one can tell me why this balance even exist. I paid my car for 2 months after it was totaled ( XXXX / XXXX ) and I was told I would have this money returned ( that never happened ). Seems like Santander submitted the payoff as of XXXX vs. a payoff as of the date of the loss of vehicle is what I am now finding out. I continued to pay for my vehicle because I knew it was my responsibility and I did not want to risk late reporting on my credit. Now, someone's error or lack of detail is costing me more grief and more money and no one can explain to me why this balance was not paid as part of the insurance claim / GAP coverage. Today I was willing to pay the balance of {$680.00} ... but was informed it had now grown to {$930.00} YTD from XXXX. I can no longer fight this alone and require assistance from the CFPB. There have been occasions through out this loan in which I saw late fees and or adjustments made to the loan for no reason and I was never able to get an explanations of this from Santander. On my calls I was told I was late, but my payment was always on autopay. I felt helpless., but this seems like even after having my loan paid off and car totaled I can not have proper closure to my account. At this point, I would like to request a full audit of my Santander account and would like to get help getting all fees and late reporting removed. I would also like an understanding of how the claim was processed from the GAP side and how was the pay off calculated/applied as I do not think I should still owe {$680.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX XXXX
Company Response:
State: VA
Zip: 20152
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A