Date Received: 2019-11-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: To whom it may concern : A letter was sent ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) to Santander Consumer USA submitting a formal dispute of their account reporting on my credit reports. I also request validation bearing my signature showing I had a contractual obligation to pay them. I have not received a timely response from the company. I sent another letter ( USPS TRACKING # : XXXX, Delivered XX/XX/XXXX ) stating " I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a 'notice of dispute ' on my account within 30 days of my dispute, which you signed for on XX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. '' I will include a copy of my credit report from XXXX dated XX/XX/XXXX, as proof that the company did not furnish the required disclosure. Today 's date is XX/XX/XXXX, and I still have not received a response from the company nor the required dispute disclosure on any of my credit reports.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Not many actions taken by myself on this issue. I would like to report on a 10 year auto loan a company is attempting to collect on. I've received 3 different calls from different companies on the same debt. Here are the dates/times. First call received on XX/XX/XXXX from XXXX from a XXXX XXXX XXXX XXXXXXXX. 2nd call received on XX/XX/XXXX from XXXX from a XXXX XXXX XXXXXXXX. 3rd call received on XX/XX/XXXX from XXXX.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: After reconciling this loan for a second time, I found that Chrysler Capital has been miscommunicating with me since XXXX regarding my loan which caused issues with my payments that should not result in my having to pay the late fees and be punished by reporting late payments on my credit reports as it is not my fault they have failed to communicate with me. If they do not communicate with me properly through all communication channels then how am I supposed to know there is any discrepancies with my books vs. theirs. After this last reconciliation of my account, I found the following issues : 1. My email address was changed back in XXXX from XXXX to XXXX. I notified Chrysler Capital AND the old email has a auto rely that states it is no longer monitored and to please use/change to the new one. They were email statements only to the old email address. I have not received proper communication as a statement or letter regarding the loan to a correct email address OR to my physical address. I had nothing to reconcile against monthly which resulted in me making double payments on a couple different occasions then skipping the next month thinking that I was paying twice to pay ahead. This was found to be wrong while MYSELF reconciled the account in XX/XX/XXXX to find this was incorrect. 2. I changed my cell phone number to XXXX back in XXXX and notified Chrysler Capital on multiple occasions. When reconciling this account I FOUND that all those statements I never received because they had the wrong email AND I was not receiving anything in the regular mail ALSO stated that my main phone number was " invalid ''. They never updated my phone number. This resulted in them not communicated with me correctly. If there was any discrepancies on my account, they should have notified me so I could have taken care of it sooner than when I actually reconciled the account in XX/XX/XXXX. 3. My work number has not changed either. When reconciling the account I FOUND that all those statements I never received because they had the wrong email AND I was not receiving anything in the regular mail ALSO stated that my work phone number was " invalid ''. This is false information as my work number is still an active number. This also resulted in them not communicated with me correctly. If there was any discrepancies on my account, they should have notified me so I could have taken care of it sooner than when I actually reconciled the account in XX/XX/XXXX. They could have reached me at work at any given time. 4. This is a joint account and they have the joint account holders information. Once again if there was any discrepancies on the account they could have contacted them to get this resolved instead of waiting for me to " CATCH '' the issues. How am I supposed to know their is a discrepancy if I am I'm not notified correctly to reconcile when on my accounting books I showed something different then them? This is poor communication and miscommunication by Chrysler Capital that I should not be punished for. If I would have known about the discrepancies sooner that I would have resolved them before XX/XX/XXXX.
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: ALL THREE CREDIT BUREAU 'S ARE ALLOWING SANTANDER AND XXXX TO CONTINUE TO RE-AGE MY ACCOUNTS. BOTH ACCOUNTS SHOULD BE REMOVED. THE LAW STATES THAT IT SHOULD BE REMOVED 7 YEARS FROM THE FIRST DELINQUENT PAYMENT. I HAVE REACHED OUT TO EACH AGENCY AND BOTH COMPANIES AS WELL. NEITHER HAVE FOLLOWED THE LAW BY COMING UP WITH THE INFORMATION. THEY JUST TELL ME THAT THEY PERSONALLY HAVE VERIFIED THIS INFORMATION. NEITHER HAVE SHOWN ME WHAT THEY SAW. THEY WILL ALSO NOT TELL ME HOW THEY VERIFIED THIS INFORMATION. I HAVE LOST OUT ON JOBS, HOUSING, AND MANY OTHER THINGS DUE TO THE INCORRECT AND ILLEGAL REPORTING OF THESE ACCOUNTS. BOTH ARE WELL OVER TIME TO BE DELETED. XXXX EVEN HAD ONE OF THEIR COLLECTION COMPANIES SEND ME A LETTER IN WRITING TELLING ME THAT THEY DID NOT HAVE THIS INFORMATION. I COULD NOT BELIEVE IT. BOTH COMPANIES JUST UPDATED THEIR INFORMATION AGAIN THIS MONTH EXTENDING THE TIME ON MY REPORT AND DAMAGE TO MY PERSONAL QUALITY OF LIFE AND OPTIONS.
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2019-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2017 i cosign on a car loan. which was approved but when doing the terms on the contract what they did was include the borrowers bad credit score when they made up the terms. just recently i found out that they were charging in interest fees. they new that by including borrowers bad score that it would bring interest rate sky high. had they just used my score which was in the 700 's this would not be happening. in thinking back i remember the forms i recieved but do not remember recieving the terms to the contract especially with that high interest. i would not have excepted those terms. i contacted them on the XX/XX/XXXX to ask why was the interest so high and thats when i found out that they included borrowers score as well. i ask for the contract to be sent. on the XXXX i ask again for the contract, still have not recieved it and on XX/XX/XXXX i called again. so im having problems getting the contract. in speaking to the rep at santander she inform me that they did not make up the terms of the contract that it is done by the dealership, they just do the financing, so she is blaming the dealership for this. 1/2 the payment is going to interest. i truly believe borrowers did not understand what he was doing. the financing co. is santander consumer usa in XXXX texes. but now after what i was told by the rep, i dont know who is responsible for this action. i dont believe it was the dealership but that it was santander because they are the people eho do the finanacing. the dealership is XXXX XXXX XXXX in XXXX az on XXXX. i contacted XXXX XX/XX/XXXX through email. cant get the contract so i have no other information. one thing i certain is that i did not recieved the contract.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2014 {$25000.00} No action/ try to contact the company for further investigation nothing was done
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Asked for original creditor name and address never given, stole the car and sold it, paid off by debt instrument returned to company and asking for a debt that was paid and not owed to them they did not credit my anything by use of restricted securities account as trustee in the inducement of fraud acting as if the credited me as a consumer/ human/ natural person.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2019-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I obtained a loan for a used vehicle in XX/XX/XXXX with Santander Consumer Loan USA for a 72 month term in the amount of {$18000.00} @ 22 % interest rate. My monthly payment was {$470.00} per month and I always paid {$500.00} or more. My term was due to end XX/XX/XXXX. I continued to pay up until XX/XX/XXXX an additional {$5500.00}. The company is alleging I owe an additional {$4900.00} to obtain my title. I have asked for payment history documentation back to the loan inception and they have not provided me with proof that I have not satisfied the terms of my loan outside of a monthly billing invoice. The request was made on XX/XX/XXXX.
Company Response:
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft and Santander had an account opened because of the theft that was dont to me.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2019-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A