Date Received: 2020-01-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Hi, I am dealing with a credit issue due to a late payment on my vehicle. I was under the assumption that I signed up for Autopay online, but received a letter in the mail that it never went through. I also was a bit annoyed as autopay was not an option. Im hoping to see if this late payment can be removed as it took my credit from about XXXX to XXXX. I am on time with all other credits/mortgage/etc, and was only when using Chrysler Capital that I ran into problems.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Have tried to have old auto debt removed from my credit that was not authorized by myself. Company would not help thay keep reageding the debt to collect further out. Would like removal from credit before litigation proceedes further. Have tried to dispute properly woth XXXX but they are on the side of the auto company. Please help. Have had removed properly from other agencies. Documentation provided.
Company Response:
State: PA
Zip: 163XX
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I originally took out new auto loan late XX/XX/XXXX. My 1st payment due was XX/XX/XXXX, which I made a half payment on XX/XX/XXXX and another half payment on XX/XX/XXXX. This took care of the XX/XX/XXXX due date. On XX/XX/XXXX I made a payment of 2/3rds of XX/XX/XXXX payment and then on XX/XX/XXXX made the additional 1/3rd due for XX/XX/XXXX due, plus 1/2 of XX/XX/XXXX due. Had scheduled for 1/17/20 for the additional 1/2 of XX/XX/XXXX to be posted, along with 1/3 of XX/XX/XXXX due amount. And another scheduled payment to post on XX/XX/XXXX that would pay off the additional 2/3rd of XX/XX/XXXX due amount. So my account by XX/XX/XXXX should show me due for XX/XX/XXXX. My 1st 2 payments were applied correctly making me due for XX/XX/XXXX on XX/XX/XXXX. Yet from there none of my payments are posting accurately to push my due date forward appropriately, and at this time is showing me due for XX/XX/XXXX, when should be XX/XX/XXXX. They have taken principal and interest out of each payment. Called them on XX/XX/XXXX to complain and get this corrected to apply as it should be, and was told it would be moved to their accounting team to correct and get applied as it should be. Still at this time no resolution has been made to correct the issue and account is still showing due for full amount for XX/XX/XXXX. This has already been paid in full and should as of this date show XX/XX/XXXX with only owing a portion of the total amount since 1/3rd of it has been paid. And once the XX/XX/XXXX payment posts, should show due for XX/XX/XXXX. Same day I also sent a written message using the contact us selection on the web page. Which even though the selection is listed for questions, was advised they would not help and needed to call, which already had done. I have also since reached out on XXXX to complain about issue and when they responded they asked me to PM, they have since failed to even look at my PM to review the issue. I have all rights to pay my account ahead and if this was just a mistake of them thinking the extra funds were principal payments, then there would never have been interest removed from the funds for each of those payments. This is a UDAAP and Fair Lending issue in my opinion.
Company Response:
State: MN
Zip: 55044
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX 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: 34787
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I havent authorized this financial institue to obtain my credit report. I have clearly mentioned lender not to use this financial institute for auto loan purposes. This is seriously damaging my credit score. I would like the financial institute to remove this hard inquiry on credit report. I have previously sent out letters to this company to remove the inquiry and they failed to remove it. I'm demanding to provide proof of authorization that made personally to this company or else remove it immediately. Inquiry made on XX/XX/2019 ( XXXX )
Company Response:
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: my ex wife bought a car under her own name, i never signed or agreed to a loan but once she defaulted on the loan the creditor is trying to retrieve the balance owed from me. i should not have this loan info showing on my credit report. please request to have this removed
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-26
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 : SANTANDER Late Payment XX/XX/XXXX SANTANDER BANK NA Late Payment XX/XX/XXXX upto XX/XX/XXXX in XXXX Only XXXX XXXX Late Payment 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: 02301
Submitted Via: Web
Date Sent: 2020-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I need this charge taken off of my credit history. It is affecting very bad and I cant get approved anywhere. When I did a voluntary surrender of this vehicle I was notified by the customer service rep that it wasnt going to affect my credit score. When the vehicle was auctioned off they told me that they sold it for the a higher amount that I owed on the loan so I dont know why there is still money pending. At the time I was going through a very bad hardship and I was let go from work so I had to let go of the vehicle.
Company Response:
State: TX
Zip: 78043
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Santander Consumer USA has lied to this agency. They never sent me any paperwork after the repossession of the vehicle as they purportedly claimed to have done previously. They have reported this debt inaccurately to all three credit bureaus which I have the proof from 2 to 3 bureaus that the account is being reported falsely and fraudulently. Furthermore, I have received zero paperwork from Santander Consumer USA showing how much the vehicle sold for in proof that it actually sold for that price rather than taking them afterward due to the number of numerous class action lawsuits that they're currently involved in for deceptive lending practices. They turned around and charged off my account but yet they say the account is still open. How can a charged-off account be still open? They haven't sent me one shred of paperwork showing what sort of payment arrangements can be worked out and I was told after the conversation to repossess a vehicle that I would be sent paperwork showing how much do beagles sold for whereby I could resume making payments at that time. Conveniently Santander Consumer USA claims that they can not furnish proof of said conversation in which seems very highly suspect.
Company Response:
State: FL
Zip: 32127
Submitted Via: Web
Date Sent: 2020-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
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: My attorney sent the uploaded document of the settlement reached to be uploaded on the CFPB. Section 623 requires the Data furnisher to report 100 % complete and accurate information on a consumer. Santander has willfully reported to all 3 credit bureaus inaccuracies negligently which are major FCRA violations. I am seeking immediate deletion of all credit reporting promptly.
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A