Date Received: 2020-02-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Owe 1 past due car note payment and the car company has called me over 4-5 times a day ... everyday for 1 car note past due payment..this company also calls after XXXX XXXX in the evening concerning payments..the company also have representative who call my spouse multiple times a day regarding my debt..the company representatives sometimes call ( name on caller ID ) and dont say a word ... this company is atrocious on how they handle debt from consumers and they should be investigated immediately.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please be advised that along with my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite three ( 3 ) written requests, the unverified and FRAUDULENT items remain on my credit report in violation of Federal Law. I have provided you with a : 1. Identity Theft Affidavit 2. Identity Theft Police Report 3. Asked for Validation of the account with my original Signature as I did not sign for this loan. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be deleted immediately. Attached are the proof ( s ) of fraud.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: around XXXX of XXXX i purchased a XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX. They had me approved with Santander Consumer USA. I didn't have great credit then and still don't today. The problem lies I didn't realize how the loan was going to work when i signed. I learned later that this was going to be i guess an interest first type loan. ( Sub-prime ) I started with the Total loan amount was {$17000.00}. There have been times i have fallen behind and struggled to pay. its only recently i begun to investigate this company and have learned that there have been a lot of practices like this from their company. As of XXXX of XXXX I have now paid of {$28000.00} and still have a balance of {$5700.00} Remaining on the loan. The car is no longer XXXX worthy and i'm having to drive a family members car right now. This loan is causing so many problems because it feels that it will never be paid off. I feel this company took advantage of me with their predatory lending practices and loan terms That i truly didn't fully understand at the time of purchase. I'm Not sure what the CFPB can do here but i do know that have been enforcement actions in other states. I am beyond frustrated that i have paid in so much and still have a debt that remains. Please help
Company Response:
State: OK
Zip: 73129
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: My car was repossessed in 2019. I never received anything from them regarding the sale of car or my personal items from vehicle The car was them sold for {$500.00} and never received my belongings from vehicle
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This debt is not mine someone else made this fraud on me and it wasnt me that signed I want this off my credit now in all three credit reports. I demand this debt off or else Im sueingvthe company.
Company Response:
State: TX
Zip: 79904
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XXXX, XXXX, my son was XXXX years old, and I ( co-owner ) purchased a vehicle, a XXXX XXXX XXXX. My son didnt have any credit so he needed a co-signer. Santander Consumer USA was the company that financed the vehicle installment loan. The account was opened XX/XX/XXXX and reported to all three credit bureaus ( XXXX, XXXX, and XXXX ) on both of our credit history reports. The last credit reports, requested from either of our personal credit files, which document that Santander was reporting the vehicle to the credit agencies are dated XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). This is the last date that we can tell the account was reported to credit bureaus. In XXXX, XXXX, My son joined the XXXX XXXX and shipped off to XXXX XXXX and XXXX XXXX XXXX. I had a general power of attorney over his accounts and I contacted Santander to request Servicemember Credit Relief Act ( SCRA ) protections and submitted the required documentation. SCRA protections provide for a servicemember who has civil contracts with creditors/lenders before he enters XXXX XXXX military to obtain reduced interest rates amongst other protections. In XXXX, XXXX, Santander acknowledged the SCRA request and implemented the reduced interest rate ( I believe to be 6 % ). My sons monthly car loan payments were reduced from XXXX per month to XXXX per month. All car loan payments prior to the SCRA protections and after were paid via recurring monthly payments, and on time. This created a positive credit reporting history for my son to establish new credit accounts in the future, specifically new auto purchases. I had obtained permission from Santander to ship the vehicle to my son in XXXX, XXXX ; which he received in XXXX, XXXX. In XXXX, XXXX, My son, now assigned to his XXXX XXXX in XXXX XXXX, Hawaii, was involved in a vehicle accident which resulted in a total loss of the vehicle. My son had obtained proper insurance coverage from XXXX XXXX. In XXXX, XXXX, after XXXX rendered the vehicle a total loss, they issued a payment to Santander for their portion of the coverage and after a long, frustrating process, the remainder of the balance was paid to Santander by GAP Insurance in XXXX, XXXX. On a letter dated XX/XX/XXXX, My son received a letter from XXXX Title Administrators advising that they were processing all title paperwork from XXXX and was requesting a document be signed notarizing power of attorney and after receipt of this document, My son will be released of all interest of the vehicle, and will not be liable for any storage fees accrued with XXXX XXXX XXXX or XXXX. Follow-up contact was made with the Title Administrators advising they received everything they needed to process this transfer so no further action was needed. At this point, we ( My son and myself ) understood that we had nothing else to do with this vehicle. The title was released to XXXX from Santander. ( Letter from XXXX attached ) We never heard anything else from XXXX or Santander regarding this vehicle. Back in XXXX, XXXX after the vehicle was rendered a total loss, My son needed another vehicle. In XXXX, XXXX, My son applied for credit for a new vehicle. He was told that after checking his credit reports that no credit bureau reflected credit history of a previous vehicle, specifically the XXXX XXXX XXXX. On XX/XX/XXXX and XXXX, XXXX, my son and I checked our credit files from all three credit agencies and none of the agencies had our installment loan accounts listed for Santander Consumer USA showing the purchase of this vehicle. There was nothing on the reports identifying that either of us had ever had an installment loan with Santander. Everything was gone. I didnt understand why. I remember calling Santander and I dont recall the exact date, but I asked why they had stopped reporting all of our account history with Santander to the credit bureaus. I dont remember the exact conversation, but I was told that Santander is not required to report anything to the credit bureaus. I explained that they had already been reporting the payment history of the vehicle to the credit bureaus and didnt get a valid explanation about why they stopped. The only conclusion I could come to was they stopped reporting sometime after the SCRA protections were implemented. I suspect that sometime between XXXX, XXXX and XXXX, XXXX, they stopped reporting the account to the credit bureaus. I believe it is a violation of the SCRA and was retaliation because of the requirement to lower, an otherwise high and profitable, interest rate. Also, I thought it was unfair that my son had made all of these payments from XXXX on time and had no credit report to reflect his payment history. This is an unfair credit reporting practice. My son had to accept a higher rate interest loan, from a sub-prime lender, because he had no credit reports to prove his two years of on-time vehicle payment history. The credit reporting history had also been removed from all three credit bureaus reporting to my credit files as well. All of my sons car payments on his current vehicle purchase installment loan from XX/XX/XXXX until now have been made on time. On XX/XX/XXXX, my son started having problems with his current vehicle, a different lender, and decided he wanted to purchase a new vehicle. He contacted XXXX in regards to financing a new vehicle purchase. They checked his XXXX credit report and told him he does not have a long enough credit history because the installment contract payment history for his XXXX XXXX XXXX ( XXXX ) was still not being reported to all three credit bureaus. My son called me and explained the issue. On XX/XX/XXXX, I called Santander to attempt to get a payment history of the account emailed to my son, which they complied ( XXXX from Santander ). Nothing was mentioned about a debt being owed. My son contacted XXXX and was advised that he had the print-out of his vehicle payment history and was told it needed to be reflected in his XXXX credit file. I contacted XXXX Credit Reporting Agency myself, and explained the situation to XXXX. Because I was a co-owner, XXXX checked my XXXX credit file and advised that there was nothing reflecting a Santander account history in my file. I explained the situation and he advised me to call FCRA. I decided to call Santander back, spoke with XXXX to find out if they could report the on-time payment history for my sons XXXX XXXX, which shouldve been reflected payments in the credit files from XXXX. XXXX stated she had we had to get a waiver ( I dont know what or why a waiver was needed ). She said she had to complete some information on the waiver and forward it to a different department. She didnt state what department. XXXX stated my son would receive an email and he needed to sign it and send it back to Santander, then they could start reporting again. I asked what she meant by reporting again. She said well your account has been aging because it says you are 700 + days late, or 25 payments late. I asked her to repeat what she meant because I was in total shock. I told her no I dont owe anything. Nobody ever told us we owe anything. Im not paying you anything. I told her my son had made all of his payments on time and this vehicle was rendered a total loss and paid off. She said no, there was a balance. I disagreed and told her I was no longer requesting to have anything submitted our credit reports if they were going to add all of this negative information that we knew nothing about and that shouldnt be there. I was upset and didnt know what to do. On XX/XX/XXXX, I called XXXX, Consumer Finance Protection Bureau ( CFPB ), and I told him the situation. XXXX explained how the process worked and how to submit my complaint online. I told XXXX that I thought Santander violated my sons SCRA protection rights when they retaliated by stopping the reporting of valid credit history payment to the credit bureaus when it was previously reported. I would understand if Santander had never reported any information about the account from the time the installment loan was issued, but they stopped seemingly after SCRA protections were implemented in XXXX, XXXX. I also believed that we did not owe any additional debt to Santander and never had been made aware of any debt owed.
Company Response:
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Logging in to my Santander Auto Loan account in XXXX of XXXX, the balance showed XXXX. I made a payment, more than the required amount. The balance was XXXX, and santander tacked on XXXX in " misc fees ''. See attached screen shot of my account. The only way I found out was that my credit score was knocked down in XXXX, XXXX, when I was going through a mortgage refinancing. I called Santander on XX/XX/XXXX. They said I still owed XXXX, which I promptly paid. I asked them to take the lates off my credit report, they refused
Company Response:
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2020-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am requesting your help with this matter since I do not know what else to do to resolve an unfair issue with my credit. I have been a victim of fraud and had fraud charges on my account. I did not benefit or have any knowledge of these charges. I tried to solve this issue with SANTANDER CONSUMER USA by sending a letter ( XX/XX/XXXX ) requesting this FRAUDULENT ITEM to be removed. They did not investigate nor respond and also did Not even mark the account on my Credit Report as disputed. This is a violation according to the FCRA. This has caused lot of inconveniences. Please help me get my credit freedom back. I am requesting the following company to remove this fraudulent item from my credit report and also a DELETION LETTER. I will not hesitate taking this case to court if they do not remove this negative mark. SANTANDER CONSUMER USA XXXX. Date Opened XX/XX/XXXX. Original Balance {$10000.00}. Balance {$0.00}. Closed.
Company Response:
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: After noticing a derogatory item on my Credit Report on all Credit Reporting Agencies by Santander Consumer USA, I contacted them via USPS certified mail and requested all documentation including details on their claims and application bearing my signature. They have neither responded to my request or notified any of the Credit Reporting Agencies of my request and dispute as per FCRA requirement. I then disputed this item with XXXX and they were just notified as information accurate and no other information provided.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hi my name is XXXX XXXX XXXX XXXX XXXX i have 3 problems in my credit report. 1.By XX/XX/XXXX i found on my report few credit cards attemps like someone was trying to get a new credit cards ( hardinquiry ). But i didnt made this transaction lr request. The company is XXXX XXXX. I call but no one was able to really help me. I want this dissapear of my credit because i have more than 8 months that i dont ask for a new CREDIT CARD. 2. I found a XXXX XXXX XXXX collection ( XXXX $ ) for a gym that i stop to use more than a year ago. I ask them to take off this collection but they didnt, so i talk with them and pay the due and they said they will be erase the collection like i never have it. But i see the collection ammount in XXXX but still there and pay just to finish this quick so i dont get my credit bad. 3. BANK SANTANDER USA ( XXXX $ ) ( PAYMENT OF XX/XX/XXXX ) missed payment. I agree with them months ago to pay few days later without affect my credit snd they agree and said its ok. Later i saw my credit with 1 MISSED PAYMENT.
Company Response:
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A