Date Received: 2020-03-03
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: The first problem was with interest rate it was very high 20.36 %, even though my credit score was good. I called the Santander Bank to lower my interest rate they denied my request they have said that I can do that after 6 months to refinance. However I still want to know why the interest rate is high compared with other banks. The second problem was with the dealer that I bought the car from. The price online was {$19000.00}. However they added extra charges under the term certified pre-owned that was a fraud. They added {$2000.00} without mentioning this amount in the agreement and another {$2800.00} for XXXX XXXX contract as obligation not as option because they have told me verbally and convinced me it has bumper to bumper coverage and that was the cause for that addition. The price has jumped to {$24000.00}. Note they did not give me the documents by hand instead they gave it to me through flash disk and I believe the purpose for that was to delay my review because I have only two days to return the car. When I finished the purchase and reviewed the documents and checked with the FPO they informed me that there was only powertrain coverage. I tried to cancel the purchase after three days but the dealer and the bank denied my request. I told the bank about the entire story to take care of this fraud charges ( recording ID XXXX ) with XXXX.
Company Response:
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
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: To Whom It May Concern Please, may I request your help? This situation is a very serious matter involving fraudulent activity appearing on my personal credit report. A company named : SANTANDER CONSUMER USA, XXXXXXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Has stolen my identity, involving an automobile lease, dated XX/XX/2015 resulting in a {$49000.00} loan. that resulted to date, in " 36 '' charge-offs reported to all three credit bureaus, with a balance of {$27000.00} left abandoned. I very rarely ever see my credit report and it was not until I tried to a purchase large cost item ; that I was shown over " 40 '' inquiries listed on my credit, along with this organization, named SANTANDER CONSUMER USA. I immediately filed a local police report along with filling a dispute with the three major credit companies along with attempting to make contact with SANTANDER CONSUMER USA. I sent an affidavit that was notarized to the company and they have never responded. My dispute was denied, as they claim that I am the lessor. This situation is clearly fraudulent and has destroyed my personal credit. I feel that I have been taken severe advantage of. I am a senior citizen and I live very simply. Most sincerely ~
Company Response:
State: IA
Zip: 521XX
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Account with Gateway one lending is showing as included in Bankruptcy. However, this account has been paid in full and is not included in any bankruptcy.
Company Response:
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I have already paid at least XXXX for the vehicle, I believe 2016 XXXX XXXX. the repossessed the car in the middle of the night, and sold it for XXXX they are reporting on my credit report I owe them XXXX please help me. Santander Consumer USA. My last name was XXXX at the time. ( divorced now ). XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Nj XXXX
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was o my credit monitoring site and I noticed a fraudulent account that I had no knowledge of I would like for this accounts that I'm gone put in this complaint that I had no knowledge of I would like for this account to be removed off my credit report because its affecting my credit.
Company Response:
State: NY
Zip: 11550
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have went to the police and gotten a police report, sent it over to Chrysler Capital urging them to discontinue reporting a fraudulent car loan that apparently was taken out on XX/XX/2014. My name was used along with my other personal identifying information. I have submitted a fraud packet to Chrysler Capital as they requested I do and it didnt change a thing. I have contacted XXXX over and over again and they dont seem to care about it. This has been getting reported on my credentials with XXXX as delinquent and derogatory. XXXX and XXXX had not problem removing it but XXXX has been playing hard ball. Because of this fraudulent account being on my credentials I have since been denied for credit cards, personal loans, jobs, apartments, etc. I have a stack of about 15 denials I have had over the years because of this false information. Going back and forth with these companies for the last 6 years has caused me a great deal of stress and anguish. I pay my debts, I have since had a auto loan with XXXX XXXX of which has been completely paid off and have a current one with XXXX XXXX XXXX, which I have been on time with all my payments since the beginning. It doesnt make sense to not pay a loan that was never mine. Please Help!!!
Company Response:
State: NY
Zip: 11379
Submitted Via: Web
Date Sent: 2020-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX, a known predatory abusive and inaccurate data reporting. They allege I owe {$9900.00} each month they put in my credit report a late payment, lowering my score,. The statutes of Nevada states the date of the alleged debt starts with the original debtor. 1st I owe the original debtor Santander nothing and my last communique with them was XXXX of 2015. This alone is considered beyond statutes. XXXX continued to report derogatory and predatory information as though this debt started each time they report is every month as a missed payment. I have unequivocally told them, the amount is false and they are beyond NRS starutes. They continue to falsify the time when the alleged debt started in an attempt to appear they are within statutes when according to law the alleged debt is bound to the original creditor Santander. I've called them provided proof this debt is inaccurate and also considered beyond statutes of limitations per Nevada criteria. Santander and XXXX continue to falsely harass and damage my credit. I request they be removed from my credit report with all bureaus as their main objective is harrasmentm falsifying records to garner payment that is not owed. They are under investigation for numerous accounts of falsifying dates, amount owed to criminally enrich themselves by doing aforesaid action. I request they are ordered to cease and desist this damaging false allegation. They are predatory, actions tantamount to willfull misconduct,
Company Response:
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2020-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-29
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 was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SANTANDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2020-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Santander Account number XXXX. I tried to buy a car on XX/XX/2020 everything was good ready to print documents to buy the car however Santander showed on my credit report that I owe them money. From the dealership I called Santander to find out what was owed on the account and why. The amount owed on a loan is {$880.00}. I was told the balance due is a result of the insurance company XXXX, gap insurance and a warranty payment being paid late. I called again on XX/XX/XXXX the agent explain to me the balance due on the account is from late payment and interest charges. I requested a copy of a full statement of my account showing payments that were made. I received a statement on XX/XX/2020. I called Santander to discuss the payment that they showed that is due on the account. The XXXX explain to me that I had to pay the balance due in order to close the loan. Since this is showing on my credit report I can not buy a new car until it is paid. I borrowed the money to pay the balance owed off 2 Santander. I am on XXXX I don't have much money per month and can not afford expenses like this. I have used car insurance in the past and have had no problems with gap insurance satisfying the loan to show a XXXX balance. I believe Santander is charging me for things they should not. Please have this resolved please help me get it resolved I need help my XXXX affects my thinking and I need help to resolve this. I need to buy a new vehicle and can not do so until this is removed from my credit report. Since this is shown on my credit report it has pulled my score down very low. I have worked hard to maintain a good standing with my credit and this has ruined it.
Company Response:
State: MD
Zip: 21225
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Santander is refusing to Validate this debt as being mine. I have successfully challenged this account for reporting to the Credit Reporting Agencies false, erroneous, inaccurate, and misleading unverifiable info.This account was removed from my credit report twice, and subsequently re-incerted, in violation of FCRA and FDCPA, without the perquisite 5 day notice being mailed to me. I have requested proof of this alleged debt several times, to no avail. I am entitled to have the Original Instrument of Indebtedness bearing my signature, I, m entitled to Calculations of Deficiency Amount including fees and interest, and all of the mandatory notices associated with this collateral ie.. *NOTICE OF SALE *RIGHT OF REINSTATEMENT NOTICE *POST SALE NOTICE *ACCOUNTING OF SURPLUS NOTICE *RIGHT OF DEFAULT NOTICE DISPOSITION OF COLLATERAL NOTICE just to name a few things that this company is refusing to provide me with in order for me to Validate their claim that I owe them. After my formal complaint to the CFPB Santander closed the account, but this false info is still being reported on my credit report.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A