Date Received: 2020-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I need help with this fraud problem i have had. i tried to get this cleared up months ago with paperwork and no work has been done with the bureaus. someone took my identity to open false bank accounts under my name.
Company Response:
State: CA
Zip: 90221
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In XX/XX/XXXX I entered into an agreement with Santander for an auto loan in the amount of {$23000.00}. I made payments for about 1.5 years on time before I began to experience severe illness that put me out of work. I had to wait to get approved for XXXX XXXX XXXX, which is why the XXXX & XX/XX/XXXX car payments were late. Once I started, I began to pay on time for 5 more months before I lost my job completely. Because I had no income, the loan went into default. The vehicle was repossessed. I know the vehicle was sold but there is still a balance of $ XXXX owed. That doesn't make much sense and I can not afford to pay that. I can afford to settle the debt for {$1000.00}. Unfortunately, I can not afford to pay anything else. The debt is now going on four years old. I just wan na settle and get it {$0.00}.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX my vehicle was repossessed after being late 6-7 times in over 3 years. Payment was made on the loan in XX/XX/XXXX and the Lender was contacted to confirm the status of the loan. Per the Lender my vehicle was repossessed after 72 days of being late, although I had made payment on XX/XX/XXXX and arrangement to make additional payments to become current. Just prior to the issues I made contact with the Lender in XX/XX/XXXX and XX/XX/XXXX to discuss a temporary employment issue that I was experiencing and make payment. I advised that my financial issues were temporary and requested my loan be adjusted to allow me to catch up on the late payments. I was advised at that time I did not qualify. The Representative was also asked if I was in any danger of repossession and I was advised that I was not, however I was 53 days past due. On the date of repossession I placed a call to the Lender to discuss what had occurred and find out the amount needed to recover my vehicle and find out why my vehicle had been taken. The Representative asked a series of questions and when I was asked why I had been late 6-7 times. I advised her that work had become slow and a temporary lay-off, this caused me to be late. Additionally, I was asked to provide a reason about late payment dates over a year ago and when I advised her that I could not recall what occurred over a year ago, the Representative advised me that I did not qualify for recovery and needed to pay the entire loan balance in the amount of + $ 20k, because I could not answer her questions. When she was advised that I do not understand why they were demanding a full payment the Representative stated, " Well since you do not know why your were late and could not answer my questions, you will need to pay the full amount. '' The Representative refused to except my source of income information, indicating that there was nothing that could be done because I just did not qualify. When I asked to speak with a Supervisor I was advised that none were available and that someone would call me back. I never received a call back. I subsequently called back several times and was advised by various representatives that the determination had been made and I would not be able to recover the vehicle without full payment. As I further reviewed the account it was discovered that my principal balance never decreased and that the daily interest rate calculated when payments were late absorbed the payments made over the course of years. The principal balance decreased. The interest rates were predatory and the charges were not fully disclosed, without explanation from the Lender. The loan origination amount was {$20000.00} with the current balance at this time being {$20000.00}. This would appear that only {$220.00} applied to the purchase of the vehicle in 39 months.
Company Response:
State: TX
Zip: 77578
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My wife at the time, in 2011 had a car financed through Santandor. We made made payments on time when we were together. We ended up getting separated and divorced. She kept the car but she missed 14 payments payments during this time. She finally paid the car off now the account says paid/closed on it. I signed the title completely to her. Can I get my name off this account and get it removed off my credit report.
Company Response:
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Received a couple of calls from a Mr. XXXX allegedly to perform an audit for a client. Left a callback number XXXX. I called the number requesting more information. They advised me that it was on a debt on a XXXX XXXX XXXX truck which was repossessed in XXXX. 13 years past the statute of limitations in Florida! They threatened they would see me in court and hung up. I called back several times and they avoided my call. After a few phone calls someone picked up and I advise them that the statute of limitations has already passed and my attorney will be contacting them with a cease and desist order. They provided me with the company information and mailing address and hung up.
Company Response:
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-08
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My name is XXXX, in XXXX my wife was diagnosed with XXXX XXXX XXXX.In XXXX of XXXX i purchased a XXXX XXXX XXXX XXXX edition.I took delivery of the car on that date.The vehicle was a certified vehicle by the manufacturer not the dealer.2 weeks later i washed the car and drying the passenger door jam i noticed these rubber grommets missing.I called the sales associate and specifically asked him if the car was in a accident, i said these parts just dont fallout you have to pick them out.His reply was no the car wasnt in a accident.In XXXX i broight the car back for a wheel alignment and he ordered the missing psrts at no charge.From XXXX till XXXX the car was parked in my garage, my wife had a hard time getting in the car for XXXX visits etc.I had a XXXX XXXX in which i primarily used as a daily driver.Oct XXXX i started using the car and i went to the bank and the car would not go passed 5mph.There was a powertrain warranty on the car expires XX/XX/XXXX by XXXX.I went to XXXX on that day for a computer scan to find why the check engine is on.The associate then told me the the car had aftermarket parts and exhaust etc.He couldnt clear the check engine light.4 days later i decided to trade the XXXX XXXX for a XXXX XXXX at a different dealership.I was trying to put the deal together from my home like the car terms etc.All was good till he asked for my vin i texted him.He called me to tell me they dont want my trade at all, because the car was in a front impact accident on XX/XX/XXXX.I went to get the XXXX report from the dealer then proceeded down to the dealer where i bought the car and asked why the salesperson lied.They said come down and well dicuss it.I get there and gm XXXX XXXX pulled a XXXX report and told me its minor , minor is a dent or scratch not the whole front of car and exceeds 1000.00.He said when your calm come back on monday.He called me and asked me if i wanted a XXXX XXXX with him giving me XXXX for my trade.I get there he tells me the XXXX had a bad XXXX, keep in mind this is a XXXX franchised dealer.I declined now the car i have is diminished value with aftermarket parts.I went to the dealer who told me i have a bad XXXX and i got all the service records.The records indicate back in XXXX the owner paid the dealer to install all these parts, the dealer that informed me of bad XXXX.They told me the dealer has to honor the repair.At this point i want nothing to do with the dealer, they dont return calls etc.I made a complaint to gm manufacturer, again passing the prom to the dealer where i purchased the car.I brought the car there and i video recorded the gm and the service director with there consent.I pull the car up into the sallyport with the hood open waitingbfor it to act up, mean while i asked the gm mark where was the door hit show me, i got the car looked at by a bodyshop and i know where the damage was.The gm manager tells me the car got hit by a lady on the dealership property and that he fixed it, so lie # 2 .The car was to be driven by the service director and me in the passenger seat, half way down the road the car was acting up, headed back to the dealer and its me the director and the gm manager in the office, the director told the gm this is not gon na be a easy fix here.I needed to use the bathroom and the director said come to the service area when your done.I recorded video of him saying they will pay for a 2 day car rental and 1hr of diagnostic time and whatever the parts are i had to pay.I said im not paying for anything here and the courtesy transportation comes with the warranty so your not paying for any car rental.I left the service dept and proceeded back to my car, the car broke down on the property.From there i went inside and told the gm i cant leave because the car broke down.The car has 5 symptoms je came out started the car as the engine was rocking and turned off the car and told me that i needed to kiss the service director XXXX to fix my car.Im totally at lost here with this car, i got the lender involved here, no help by the manufacturer or dealer at this point.The lender called them and said i was abusive yes i was pissed off and they didnt like the phone recorded.Oh well!, your not trustworthy, i lost my job for a car not running right and my daughter needed to go to school.MY niegbor drove us everyday for a month at which his schedule was filled with dr appointments.I got behind on my bills as a single father with a minor.I brought the car to 2 mechanics, one of them said i needed to tune the car on a dyno machine because he felt the parts were not working together XXXX the other wanted no part of it and said call the chevrolet dealer who did the work.I did that and tried to cap the hourly rate.They would not and i dont have hundreds of dollars to waste on no guarantee.I had to surrender the car back to the lender because it was now a liability rather then a asset.I have all the videos of this car breaking down, and broke down on my daughters school line .I lost my car my wife my job my credit because of this.A car that is certified has to pass a 174 point check with no accident history, clearly on the carfax the accident is noted before i bought it and they knew about it and thats fraud.This car had promblem from day one always at the dealership, in XX/XX/XXXX the previous owner brought the car back 10 times in one month for promblems, and here i come and inherited this nightmare.The gm no longer works there and the criteria for a certified car is all recalls fix accident free and impeccable service history in which clearly it did not have.As per warranty aftermarket parts are void especially headers exhaust systems in which the previous owner installed.Front impact accident voids the warranty, there was no warranty back in XXXX and thats why i got nowhere rectify this promblem.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: During these dates timeframes we went through the hardship of me loosing my job as I had my XXXX child and could no longer afford to put all of them in daycare. This time was a struggle. We would appreciate the courtesy of investigating why there are so many late payments as we did pay on time! So believe all information is inaccurate. We have tried to get information from them and failed.
Company Response:
State: NC
Zip: 27597
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unapproved credit inquiries
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had traded in my XXXX for the XXXX and paid an additional $ XXXX because I was up down to pay off the Chrysler loan. They are satisfied in full, but are refusing to remove themselves and close their loan on my credit. Also XXXX had a hard inquiry for a XXXX XXXX card, they told me it was a soft inquiry. I have spoken to them twice. They never even sent me the card. I called twice the first time they said cause I applied as XXXX ( my married name ) they saw XXXX and XXXX on my report and got confused, had me send in my Drivers license and a copy of marriage license. Then I call back they said they never sent it because my app expired, and I should reapply. But their initial hard inquiry is hurting me and it was only supposed to be a soft inquiry so thats very misleading. It needs to be removed please. They have not updated on their end and its hurting my credit. Please help
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Gateway One lending and finance decided to sell out to santender financial. I have a loan for a car with Gateway One lending and finance. I found out through a 3rd party that my loan had gotten sold on XX/XX/XXXX. In the email that I had received ; my credit report improved but I found it inappropriate that I found from a 3rd party on the sale of gateway. After getting an email from santendar, I immediately called them on XX/XX/XXXX. In that phone call, I asked the questions regarding when the sale was started with negotiations, when both corporations knew about the sale and declined to advise clients about this sale until getting information from a 3rd party. In the call, they informed me that the sale was final on XX/XX/XXXX. They mailed out a letter on XXXX apparently ; I find that unacceptable and Gateway One or Santendar should have sent a letter or a call or email immediately about this action. Now, I have to develop a new web account and continue to pay on a car that Ive been paying on for a year and a half. I have a year left on my car. I think there should be fines or penalties associated with the action by gateway sale as many people according to Santander have been upset about this. They knew this was coming and did nothing. Its unacceptable that this has happened!
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A