Date Received: 2020-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are attempting to collect debt on an auto loan that doesnt belong to me
Company Response:
State: NC
Zip: 27704
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Short summary, information in this account from Santander showing on my report is still very inaccurate, they have sent a letter acknowledging it is inaccurate, they then changed the account to open and past due, 6 years after it was charged off, with no activity. It has adversely impacted my credit score and payments history and moved into a bad credit rating from a good credit tier by reporting 120 days past due, with an amount due, and an open status on a charged off for 6 years account. Issue reported to CFPB on XX/XX/XXXX in CFPB Complaint number XXXX ( attached 'Santander Response_Complaint Detail.pdf ' ). Response received from Santander was they would not speak with me due to being represented by a lawyer. Response sent to Santander on XX/XX/XXXX demanding information regarding the inaccurate information reported across all three credit bureaus ( attached 'Santander Demand for Information Letter XX/XX/XXXX.pdf ' ). On XX/XX/XXXX, Santander replied via certified mail, not addressing why the information was reported inaccurately across all 3 bureaus and had been " verified as accurate '' several times prior but had been " updated by data provider '', which if updated would indicate a change was made, if a change was made, it could not have been accurate after the first response. Instead, Santander replied with the following information included in its response : " Based on a review of the account, on XX/XX/XXXX we reported the account as an unpaid Charge Off with a balance of {$6800.00}. Our records indicate the Charged Off in XX/XX/XXXX after the vehicle associated with the account was sold at auction ( attached Santander_Repo Letter_XX/XX/XXXX.pdf ). On XX/XX/XXXX, I received alerts from XXXX and XXXX that my credit score had dropped and there an account had been updated with derogatory information. That account was from Santander reporting, again, this account information inaccurately, even after the response received on XX/XX/XXXX stating the account was charged off XX/XX/XXXX, my report reflects inaccurately now that this account is open, 120 days past due, with a payment due monthly for {$360.00}. ( attached XXXX_XX/XX/XXXX_XXXX.pdf ). You can see that on XX/XX/XXXX, one day prior, that the information was showing closed, XX/XX/XXXX ( attached XXXX_XX/XX/XXXX_XXXX.pdf ). This company has not been able to report the same information across all three bureaus accurately and now is reporting in a manner that is fraudulent and damaging to my credit profile and I have not transacted or done business with them as described in the information reported in my credit report. Had the CFPB reviewed and fulfilled my demands in the first request, this information would have been deleted from my credit profile and this would not have impacted my ability to qualify for new credit terms and rates right now, during this economic downturn. I am a combat XXXX veteran and have not had a late payment in 41 months and all of a sudden this company reports on my credit I have missed 4 straight payments for 4 months straight. This information needs to be completely deleted from my credit report and I demand compensation in the amount of {$500.00} for each bureau this information was reported by XX/XX/XXXX. If not compensated, I demand {$1000.00} per occurrence and an additional {$100.00} per day, per occurrence for each day it remains on my report and adversely impacts my ability to finance and negotiate favorable terms based on my ACTUAL credit worthiness due to the incompetence and negligence by this company. Deletion should be immediate and payment can be mailed to the same address as their last correspondence. In addition, XXXX, XXXX, and XXXX should be accountable as well as I just reported this same activity to each of their bureaus previously with no action to prevent this from occurring.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had an inquiry pop up on my report CHRYSLER CAPITAL for an auto loan account ending # XXXX ... ... I have never done business with them its unknown to me. Its preventing me from buying a home.
Company Response:
State: IN
Zip: 46219
Submitted Via: Web
Date Sent: 2020-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hello. Last Month my wife and i were worried about COVID 19 problems we call to SANTANDER CONSUMER USA about any help they can give us but they told the interes woul be ad to the extention and i no. she told me as a preventive mode do it if you don't need the help don't use it and the XX/XX/XXXX we singned the extention. today we did the payment wich belong to XXXX and they say that XXXX payment we said not it is XXXX and they say the extention can no be cancelled because we singned a document. we not not, you never told us that. we want to cancel and they said it os imposible. we are filling scamed .they are taking oportunity of the problem with COVID 19. We will no need any help and we want to do the regular payments.we singne the extention thinking it was preventive.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Chrysler Capital Auto loan paid off in full. XX/XX/2020 XXXX XXXX. USPS Certified mail receipt for delivery of Payment XX/XX/2020 Chrysler Capital posted payment with effective date of XX/XX/2020 even though the date of receipt of payment was XX/XX/2020 as per USPS receipt. XX/XX/2020 XXXX XXXX. I sent message of inquiry about the date difference, no answer XX/XX/2020 XXXX XXXX. I sent a second message complaining about the non response XX/XX/2020 XXXX XXXX. I called Chrysler Capital and spoke with a person who identified himself as XXXX XXXX, who stated they de did not know anything and it looked like the payment was posted appropriately. I asked him if I could email him proof of receipt on XX/XX/2020 and he said no. I have mailed a letter of Complaint to the President of Chrysler Capital today.
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Santander is the company and it began in 2011 and this should have been off my reports for a while and when I disputed them and reached out to Santander directly I was treated with rudeness and disrespect while trying to get the reports removed.
Company Response:
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2020-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/20 I bought a new car at XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX was offering a XXXX day no payment deal and was told this was what i was getting. Upon inspecting my first payment I discovered that I did not get the deal and it was changed to XXXX days no payments. Ive visited the dealership several times and they have said everything that I actually do have XXXX days XXXX which is false ) to saying that XXXX wont tell them anything about my contract. When i call XXXX financial, they say that only the dealership can correct this.
Company Response:
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am victim of XXXX XXXX XXXX XXXX XXXX XXXX data breaches. Somehow my personal information has been compromised and someone is using my identity without my authorization and consent. I have disputed the XXXX XXXX XXXX {$0.00} and Santander Consumer USA {$0.00} loans several times stating to bureaus the information is not mines and fraudulent. It was removed from my credit report with XXXX and XXXX do to FCRA SECTION 604B 605B AND 609B but still not from XXXX. This the 4 time im diputing this inaccurate information from my credit report. The items or loans reporting on my credit are not mines and done without my authorization and permission. At this point I demand removal blcok or deletion from my credit file immediatley.
Company Response:
State: IL
Zip: 60491
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/XXXX I lost my job unexpectedly and could not make my payments so I ended up getting 6 months behind and I spoke with Chrysler about the issue was able to make a large payment to catch up the behind payments costing {$2700.00} in XX/XX/XXXX. I was able to make my XX/XX/XXXX payment at almost the double amount of {$770.00}, my payments are normally {$390.00}. I missed XX/XX/XXXX and XX/XX/XXXX and again I called Chrysler and made arrangements to pay weekly the amount of {$390.00} to make up any missed payments. It is now XX/XX/XXXX and I have not missed another payment and all payments have been made on time since XX/XX/XXXX but on my credit the loan is listed as " charged off ''. I have contacted Chrysler about this numerous times and no change, I have even contacted Chrysler executives to correct this. The car was never repossessed and I still have it and I am making the payments still. I didn't know it was charged off until I went to trade it in on another vehicle and the dealership wouldn't take it because it was a charge off. I can't get Chrysler to change the status to " paying as agreed, was a charge off '' or " redeemed repo ''.
Company Response:
State: MO
Zip: 65616
Submitted Via: Web
Date Sent: 2020-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I took out an auto loan in XX/XX/2019. Ive consistently made payments toward the loan for the life of it so far. However, Ive noticed throughout these payments, usually made first thing in the morning on a Friday, that payments are not applied until 3-4 days, sometimes 5 or more days later. With a very high interest rate, Im concerned about all of the interest the late application of payment adds up to over time. The company my loan is financed through is Santander Consumer USA. Ive already paid half the value of the initial loan amount, yet nearly the entire principal amount remains to be paid. Statement details are extremely vague and clear answers from customer service on how this process works have been impossible to obtain.
Company Response:
State: WI
Zip: 54911
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A