Date Received: 2019-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 06 XXXXOriginal creditor: 06 XXXX 201$XXXX0% paid offXXXXCollection openedXX/XX/XXXXAccount typeCollection AccountBalanceLoan Amount$XXXX$XXXXPayment InfoOriginal loan amount$XXXXBalance$XXXXUpdated onXX/XX/XXXXContactXXXX XXXX XXXXXXXX, MAXXXX(XXXX) XXXX-XXXXXXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX 201$XXXXPayment InfoStatusCharged off as bad debtUpdated onXX/XX/XXXXPast due amount$XXXX$XXXXMonthly payment-Late payments-santander XXXX reporting inaccurate information
Company Response:
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: DEAR SANTANDER, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ACCOUNT OPENED : XX/XX/XXXX ACCOUNT CLOSED XX/XX/XXXX ACCOUNT # XXXX AMOUNT OWED : {$17000.00} SINCERLY, XXXX XXXX
Company Response:
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2019-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX I purchased a vehicle from XXXX XXXX in XXXX, TX. I arranged financing through Chrysler Capital in XXXX XXXX, TX. Included in the loan I financed an Extended Warranty Service contract at a cost of {$2000.00} for a period of 2 years. On XX/XX/XXXX I refinanced the loan through my credit union for a better loan rate. On XX/XX/XXXX I received a letter from Chrysler Capital verifying they had received the funds to pay my account in full. They also advised me that I was entitled to a refund of unused premiums for the Service contract and that I should contact the seller ( Dealer ) about recovering unearned premiums. I went to the car dealer, XXXX XXXX on XXXX XXXX, XXXX and requested my refund and they refused to pay me. They claimed Chrysler Capital had my refund. When I called Chrysler they claimed somebody else had my money but the CSR I spoke to said he could not identify who that was. I am a senior citizen on a fixed income and I need my refund.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2019, I made a full payment on my car loan. Although I am making the payments later than the due date, I did not go past the 30 day period that would lead to a negative remark placed on my credit report. The XX/XX/XXXX payment was due by XX/XX/XXXX according to the customer service rep I spoke to regarding this issue and the Billing statement that I receive monthly. The payment was made on the XXXX but posted XX/XX/XXXX which is shown on the billing statement from XX/XX/2019 and was considered to be late. However, my payment confirmation and transaction history from Chrysler Capital shows that the payment was made on XX/XX/2019, and I still received a negative remark on my credit report. I believe this remark is a error due to the fact the payment was made before going beyond 30 days or payment deadline. I was also told that the payment may have posted later due to the XXXX holiday, which is still not my fault as a customer. I spoke with XXXX from Chrysler capital on XX/XX/2019 and she stated that she would leave notes on the account explaining my concern and advised me to dispute the negative remark as soon as possible.
Company Response:
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-19
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 report is really a mess. There are too many inaccuracies such as the remarks. I need to see the documents that to prove that this is mine.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I don't know if I should file this complaint against multiple companies or if I should file separate complaints. One complaint deals with the original creditor and the collection agency trying to get double enrichment because both of these companies are citing this derogatory account on my credit profile. The vehicle in question was subsequently sold at an auction and I believe that this company owes me for a surplus of cash that they received from the vehicle. This company did not give me any of the prerequisite notifications before or after this vehicle was sold therefore I don't know how they came up with this amount of money that they claim I owe them but I do not owe them this amount of money, to the contrary I believe they owe me. They are refusing to validate this debt, they only sent basic verification information to the credit bureaus for A name and amount, but I specifically asked that this account be validated as an accurate and true. I asked for a list of items which they are refusing to give me, the original instrument of indebtedness in its original form, a calculation of deficiency amount including the fees and interest, a copy of the assignment a purchase from the Creditor with a full and clear title, bank statements proving late payments were deposited on a date, proof that the debt collector legally bought this debt and the amount the debt was purchased for, notice of sale, post-sale notice, accounting of surplus, disposition of collateral, repossession deficiency balance, right of reinstatement, right of default, certification of accuracy, they refused to give me any of this information that I requested. I'm asking that this account and all negative remarks associated with it you immediately removed from my credit report.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Vehicle was damaged or destroyed the vehicle
Subissue:
Consumer Complaint: Got in a car accident on XX/XX/2017 was not my fault my car was claimed as a total loss My insurance company paid the fin financing company called Chrysler Capital what the car was worth at the time of the accident. And with my car deal I paid for gap Insurance where they would pay for the remainder of the car after my car insurance paid and about a year later Im getting letter and phone calls from the financing company saying i still owe them money. I would like some help with this dispute please
Company Response:
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have recently started pay more attention to my credit file and discover that Santander Consumer Usa was inaccurately and incompletely reporting an account.From XX/XX/XXXX to XX/XX/XXXX they have no payment information whatsoever for this account.The vehicle was traded in at XXXX XXXX XXXX between XX/XX/XXXX and XXXX.The company continues to report more late payments to this account further damaging my ability to obtain credit. XXXX report shows date of ! st delinquency XX/XX/XXXX, XXXX has date of ! st delinquency as XX/XX/XXXX and XXXX shows the account was closed in XXXX when it was paid off in XXXX.FCRA requires any accurate reporting account to be deleted.I have disputed this account with XXXX twice and they continue to respond as updated and add more late payments decreasing my score drastically.The XXXX account history is being reported inaccurately and has been incomplete since XX/XX/XXXX.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2019-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2019-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-16
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Santander bank funded my automobile purchase the first payment was due XX/XX/19 After The next best Business day XX/XX/2019 I noticed the funds have not been drafted from my account I called Santander bank to verify that they had to correct information I was brought to my attention that they use a third-party company and they will have access to that information. HUH? .When I went to their website directly, not knowing anything about a third party .This brings up the concern who has my information I didnt want to authorize this third-party .What relationship with Santander bank Have With this third-party and how is my information going to be used? Nevertheless my current past due I received a voicemail on a Saturday at XXXX XXXX I called the next business day on Monday I explain the situation And I was told I will be a charge the fee what Surprise me was the agent said it will show at the end of the loan. Not wanting to deal with this I just called the agent lets go ahead and put the loan Com The questions are what is the fee? when will i be charged that fee? who is charging the fee? Why is Santander bank forcing consumers to use a third party? Does Santander bank profit from those extortion FEES?
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A