Date Received: 2020-02-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX submitted an inquiry to XXXX for my credit report for a loan. I never applied for a loan through them nor did I authorize anyone to do so on my behalf. The inquiry needs to be deleted from my credit report by request of this lender who fraudulently requested a copy of my report without consent.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I finance a vehicle to Chrysler capital and in the last six months of the loan it was stolen and was declared a total loss by my insurance company. My insurance company paid the vehicle off as well as I had a gap insurance that did pay the balance. The lender is stating that I still owe {$4700.00} on the account and is choosing to keep the account open which is accruing more and more late fees and charges on a daily basis added to their false account. I have called them to resolve the account and all they state is that I still owe the money. I am being forced to be put in a position where I'm going to have to file bankruptcy because the collection calls and the letters for demands of payment. This is so ridiculous the amount of money that has been paid to them as well as for the additional insurances for the vehicle that I have paid out. I also am having problems with financing a new vehicle just because they are still showing the account with an open status with the balance. Lenders are not willing to help me with financing another vehicle due to their incapacities. I have disputed this twice with the 3 major credit bureau 's and they have left it to remain on my credit report still with the incorrect information. I need a vehicle to get to work it's very important and this is a real big headache for myself and is hurting my ability to get to work and make an income to support my family. I have saved money to put towards buying a vehicle however it's becoming harder and harder on a daily basis to even work with any lender. The denial letters that have been sent to me state specifically that because of the open auto loan with unpaid balance is reason for denial. These credit inquires will now Stay on my reports for 5 to 7 years with nothing to show as well as this auto loan will follow me forever if it doesn't get resolved in a professional manner. I'm a hard-working single mom and everything I have it's from my own blood sweat and tears. I have never ripped anybody off nor do I plan on it. I'm an honest person and I truly believe that at the very minimum this account should be showing XXXX balance so that I can move on with my life and credit.
Company Response:
State: AZ
Zip: 85712
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: For 7 years I have faithfully been paying off a XXXX XXXX XXXX XXXX balance from {$13000.00} to today {$750.00} : Now : XX/XX/XXXX I asked Ms. XXXX of Chrysler Capital to provide me option to pay XX/XX/XXXX and pay off the remaining balance in XX/XX/XXXX. Non-negotiable. I stated fine. put me in collections if you refuse to work with me in order to pay off remaining balance to release full-title and lean of ownership.
Company Response:
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am writing to you to complain about Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX. I have no known unpaid accounts with this business and after repeated verification request Santander has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, and XXXX as recent as XX/XX/2020. Santander has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the three major credit bureaus. The erroneous account is in the amount of {$300.00}. The account is erroneous and not a result of any transaction that I have made. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit and adequate housing. I attempted to contact Santander multiple times via registered USPS certified mail with return receipts which prove Santander has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Santander has misrepresented this account by reporting a past due balance in the amount of {$300.00}. This account has been paid in full and has never been past due. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Company Response:
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My car was Totaled on XX/XX/XXXX i had a XX/XX/XXXX XXXX XXXX and it was under the bank Santander Consumer USA. My XXXX XXXX insurance payed off majority of the car which was about {$9700.00} with a remaining balance of {$5000.00} the rest was supposed to be covered from my gap plan. Since the beginning of my auto loan i had been paying {$540.00} each month which was outrageous but i was never able to come back from that price and bring it down in a refinance. In XX/XX/XXXX i was behind on payments and had to get my payments reduced for a 6 month period down to {$320.00}. At this point i was unaware that this would hurt my gap coverage balance if i ever got into a car accident. Being as that i ended up getting into a car accident my gap coverage is only paying {$1500.00} of the remaining balance because of the extension. I was not aware of this and santander has evidently gotten away with this before with other customers in a settlement in XX/XX/XXXX. Below i will attach all files ( settlement from insurance, gap program information ).
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: This is my second complaint, regarding this issue. A consumer Ligation attorney has advised me create this paper trail between myself and the Santander USA. The response letter you sent shows you wholly responsible for not reporting my account accurately to the Credit Bureaus. If you do not fix this issue, My next step will be litigation. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Florida XXXX The Complaint Department. Consumer Financial Protection Department I opened a Car Loan account with Santander Consumer USA in XX/XX/XXXX. I have made ontime payments since then, see documents attached. I notice on XX/XX/XXXX that Santander had completely taken off the account from my XXXX Credit Report, i have spent the last 3 weeks trying to resolve this issue with Santander. This has impacted my credit score. I need this Santander to report this account to XXXX
Company Response:
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: On Thursday, XX/XX/2020, I got a call at XXXX XXXX from a number I did not recognize ( XXXX ) XXXX. When I answered the phone a male on the other end told me he was calling in regards to an auto loan I had with Santander bank eight plus years ago ... he informed me he was calling to save me from being served with a summons to appear in court about he " thinks '' an XXXX I had through Santander. I informed him that if he " thinks '' he's calling about an XXXX, then he's not someone I need to speak with. He proceeded to reiterate he'd be serving me with a summons to appear in court, and when I responded, " that's fine '', he responded, " you're an XXXX '' and hung up the phone.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had to do a XXXX reassignment to XXXX, XXXX on XX/XX/2019 and was not allowed to ship a vehicle. I submitted paperwork to Santander Consumer to do a voluntary repossession on XX/XX/2019 and as of the today I am still be charged monthly payments for the vehicle and it has not been picked from the location I inputted on the form I sent them in XX/XX/2019. Thank you
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: SANTANDER CONSUMER is reporting incorrect information regarding this account on my credit reports, this account was reported as charge off on XX/XX/2018. However, when an account is marked as charge off, it should not be reporting late payments and therefore is in violation of the FCRA. For this reason, this account should be DELETED from all credit reporting agencies due to violations of the FCRA.
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I was involved in a total loss accident on XX/XX/19. I settled with XXXX less than 24 hours post accident. It took the finance company just shy of 90 days to send everything needed to GAP Insurance. GAP settled in under 24 hours after I contacted them and then the finance company yet again. I have had to rent a car 3 times! My wife is a Transplant patient and we have been over 3 months without a vehicle all due to the negligence of this finance company.They have reported late and not accurate causing my credit score to plummet from 700 's to the 400's.As it was on it's way back up, it was reported more balance owed after a decrease which cost me 40 more points.The balance owed is not right no matter who adds it up. I tried to ask for supervisors and get hung up on or talked down to. Now they will not take my calls and will not fix my credit so that I can go and finance another vehicle. This is ludicrous! The only thing they keep repeating was that it is interest due.So in essence more than {$5000.00} went to interest in the past 3 transactions and then they are showing some {$2200.00} owed, again for interest.Their records show that I was given back late fees, yet it was never corrected with the bureaus. When I asked about that, a supervisor told me I have to formally challenge that with proof of loss, and all the documentation related to this account.IT IS THEIR COMPANY! They finally submitted the updates to the bureaus but they sent in the wrong balances and again never corrected the late reports. After originally showing a large pay down, they then sent an increase in loan amount which caused the points I just got back for pay down to be erased. They would not accept my call today. I feel it should be the total amount owed, the total insurance payments applied, credit for the correct service contract amount, and then you have the number owed. That is how it should have been done.Plain and simple they played with the money for 90 days!
Company Response:
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A