Date Received: 2020-01-15
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: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response:
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander Consumer USA # XXXX is reporting on my credit as a repossession, however this account should not be reporting this way. This account is no longer a repossession and needs to be updated to show the account open and current.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2020-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I finally logged into my XXXX yesterday XX/XX/XXXX and I noticed XXXX inquiries that should not be there. I already sent in a few for XXXX and XXXX but there are a few more on my XXXX that should not be there. This all happened around the same time, on XX/XX/XXXX or XXXX. There was one for XX/XX/XXXX as well. Please let me know what are the proper steps in taking these off.
Company Response:
State: CA
Zip: 95111
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Santander USA has violated Public Law as coded in 15 USC 1692 et al and not given consent to contact me, distribute my personal information or misrepresent themselves as a creditor. This will serve as " NOTICE TO ENFORCE UNITED STATES LAW/FEDERAL LAW '' and demand for removal from my credit report. In addition to this, Identity theft has also been committed by Santander. This company attempted to sell my personal property without my consent, to another 3rd party, which also constitutes " identity theft '' and possible mail fraud.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is the second time Santander has reported a late payment incorrectly. The first time around, they completely ignored my request for a correction of reporting. I had to go through a credit repair company and pay to have the reporting corrected. Now after this debt has been paid off on XX/XX/2020, they report a delinquency on my credit on XX/XX/2020. This is unacceptable.
Company Response:
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I took a loan out with Santander in XX/XX/XXXX. I was co-signer to my mother in-law. I had the car until XX/XX/XXXX. I stopped making payments in XX/XX/XXXX. My mother in law past away due to XXXX. I spoke to them three years ago because the amount reported paid on my credit report compared to five years of payments is incorrect. On my report it shows I only paid {$3000.00}. When my payment were {$520.00} I made 58 payments on the account. I paid over {$30000.00} on a {$16000.00} car. ( XXXX XXXX XXXX ). When I spoke to them three years ago they said the repossession would be removed from my credit XX/XX/XXXX. It has not. So my issue is they reported to my credit that I paid 10 % of what I actually paid and that its been 7 years since my last payment and the file is still being reported on my credit. Also in the report it states my last payment to them was XX/XX/XXXX. Which is completely incorrect. It was XX/XX/XXXX.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have paid this vehicle off in XXXX of 2019. They never applied my payment even though the copy of XXXX XXXX check was sent to them via fax, email, and certified mail. I was told by multiple agents, the last being XXXX in the executive office that it was received. They have constantly put my phone number on a do not call list when I never asked for that. I am doing all the calling. When I leave a message I leave a phone number and the best time to call as I can not have my phone on at work. They totally disregard my request for answers, then say they didnt receive information and assign my car for repossession. They have even changed my address for to unknown address even though I have lived in the same place for 10 years.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX of XXXX, i purchased a XXXX XXXX from the XXXX, Fl dealership. I put {$10000.00} dollars down as my down payment. My sales contract had the following terms : 72 payments @ {$260.00} / mo. running from XX/XX/XXXX - XX/XX/XXXX with Santander Consumer Financing. {$12000.00} was financed for {$7100.00} interest over the 72 months for a total of {$19000.00} owed to Santander. We are in the 67th month of the 72 month loan and have already paid over {$10000.00} dollars in interest. That's {$3000.00} dollars more than the stated contract. They claim that there is still more interest to pay. We have paid {$13000.00} of the {$19000.00} loan. That leaves {$5200.00} owed on the loan. We have 5 payments of {$260.00} owed on the back end of the loan which would extend our payments to XXXX of XXXX. Santander Consumer claims we still owe {$10000.00} on the car. They have overcharged me on interest and not been applying my payments to the principal balance for years. This is fraud / theft. Every time i talk to a representative of the company, their statements contradict the prior representative i have talked to. I got dangerously ill in XXXX and XXXX and Santander worked with me on minimum payments to help me out. I do appreciate that. My payments were originally set up as being due on the XXXX of each month since i am XXXX and receive my monthly check on the XXXX of each month. They now claim my payments are due before i get paid and are charging me late fees for the last 3 years. They are threatening to repossess the car on the XXXX of this month ( XX/XX/XXXX ) if i do not pay the estimated {$10000.00} dollars by then. I want the overcharged interest ( currently over {$3000.00} dollars ) applied to the minimum payment months ( 18 ) and any outstanding payments owed on the back end of loan. 10 more payments owed this year and they are trying to steal my car from me after almost 6 years of steady payments.! 0 payments of {$260.00} = {$2600.00} owed on the loan, not {$10000.00}. Santander has been harassing us daily for about 2 years on the phone and has ruined my credit causing me to have to pay higher insurance rates. Santander has on my credit report that i did not pay the loan and i owe them just under {$10000.00} dollars. I want this removed immediately!! If they are trying to take my car back after almost paying off the loan, how many other people have they illegally scammed this way over the years. I suggest a thorough auditing review investigation by the government should be implemented immediately to put an end to these kind of " predatory '' business lending practices. You can not establish a plan and then not honor it with the consumer. By the way, Santander claims they did not receive my {$10000.00} dollar down payment. XXXX says they didn't get my {$10000.00} dollar down payment. Yet, it clearly shows the {$10000.00} dollars as the down payment on the loan / sales contract. Who is scamming who here?
Company Response:
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My credit report says late XX/XX/2019. This has caused me to be denied a mortgage and to refi my loans to pay off my debt. I had my account setup for automatic payments. Please I need my 30 days late update to never late for XX/XX/2019. Please may god bless you.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2020-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I had went into a dealership in XXXX Texas XXXX XXXX XXXX XXXX. The dealership got approval and I was going into dealership next day to sign paperwork. After I got to dealership, the bank rescinded deal. They stated that I had a charge off account with them. I have contacted the bank but no one can seem to help with find this past account. I even offered to add that into the loan I was approved for. I'm not sure what happen or if I even had a loan with this bank but something is not right. Last 4 SSN : XXXX XXXX : XXXX
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2020-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A