Date Received: 2019-10-30
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I just got a response from my complaint and there is an addition {$1900.00} for a warranty on my contract, there was never talk that that would be added to my contract I never said I wanted it or asked for it. Know they are trying to repo my car and not own up to their mistake and continue to drag this issue out. I've reached out several times before and all they do is repeat and send the same false information to me!
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have paid in full contract + over charged. I have agreed to pay XXXX XXXX more payment ending loan as of XX/XX/XXXX never disagree with that term. The dealership said my loan would not start til XX/XX/XXXX. Causing 4 more payment to the XXXX XXXX XXXX + in XXXX I had a fur-low from the government which granted 3 more months on the backside too. that turn into 4 given a total of 8 more payment ' half was no my ownership problem but I'm demand to pay it. never disagree with that term because I would like to keep my car. Now their want 20 + more payments talk about consumer fraud and taken advances plus never applying money to the loan accurately and gaining more interest rate to never be apply correctly taken again advantage of a consumer.Then never being told the turth about nothing for this loan. Its ended and I want the title after all money has been paid in full. I have paid more than the loan as of today and money has not been applied correctly and they have more than the loan requested. I also have filed a police report with XXXX Police area about the matter. they said to call CFPB and the XXXX. Then today conversation : Santander CEO and Attorney : I never disagree to pay the 8 car payment on the back of the loan even though it was not told me the consumer at the begain correctly but XXXX XXXX in XX/XX/XXXX on a recorded line said my payment would go to loan in full after contracted ended. Again that it will go directly to the principle for the last 8 months end of contract. Escalations team, XXXX said different 2-3 more year plus more maybe longer to a life time? Then too Mr XXXX who know how to " Amortization is the process of spreading out a loan into a series of fixed payments over time. You'll be paying off the loan 's interest and principal in different amounts each month, although your total payment remains equal each period. '' price said, " Would go on about 20 + more months. " more interest added. Plus the account should be adjusted from what my XXXX said XXXX would do. Action please follow though in writing. After 8 month more he said to follow complains ... .continue on. I told him I dont wish that actions. Now Mr XXXX XXXX said he dose not mine to all the pay all of the attorney fees ( mine included ) on a recorded line with Santander because my 8 months that was caused from the Begin of the loan and 4 months though the life of the loans. Adding 8 more months. XXXX & XXXX again that the interest would stop and payment of 8 more months would be all after the contracted end. Contract seem now at a Breached but under all ethical means I will pay XXXX to santander for 8 months this in writing. XXXX agreed to this in XX/XX/XXXX and said now as above. Mr XXXX said Different and I nor XXXX signed anything different. Words are not signatures and what was told was not agreed to nor was told me honestly or ethical mean by anyone at Satnader all nothing on one page. This problem was said to be closed by XXXX XXXX said, this is not closed on end. please again have your attorney call me and I look forward to seeing where the resolve is and holding santander to 8 more month as agreed to. I do not agree to be over charged nor to lied to as you all just went to court over the last few year. He said to keep turning end matter. Sure I will. This is in writing with no interest moving forward and 8 more payment. Please release title after the 8th Month. Please never over change me as you have already done. XXXX & XXXX XXXX
Company Response:
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2019-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-30
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I have XXXX XXXX and XXXX there are over 15 inaccurate things on my credit in was XXXX from XX/XX/XXXX, until almost XX/XX/XXXX, so all my stuff that's on those years were not me I had a fiance at the time who I knew could and would have done all kinds of stuff including spending all money in my XXXX XXXX selling my car, etc XXXX XXXX XXXX XXXX
Company Response:
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX 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 checked 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: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Santander Consumer USA continues to furnish inquiry on credit file. During the time of inquiry, I was XXXX.
Company Response:
State: PA
Zip: 17110
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Santander consumer USA received a written request by me to provide me with verified documentation proving the debt and correct amount they claim I owe, which is reporting to all the credit bureaus ( XXXX, XXXX, and XXXX ) .Instead of verification of the debt they claim is mine, they sent a letter asking me to provide them with the account numbers, Bank statements, addresses, VIN number etc and until they received such documents, they are stating they can not dispute or verify my debt. If this is so how are they reporting to the bureaus?
Company Response:
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2019-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern, On a recent review of my credit report, I discovered your company, Santander Consumer USA is reporting the collection account referenced herein. Prior disputes have not produced validation of the debt referenced in this complaint. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. Statements/itemization of monies owed. Copy of bill showing last default date. Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. Proof that you are licensed to collect in my state of residence. I am also requesting that Santander Consumer USA cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. Your failure to act will result in this matter being referred to the XXXX XXXX XXXX, the Federal Trade Commission, and the Texas Attorney Generals Office.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2019-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-27
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 whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2019-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a loan with Santander Bank for my car. In XXXX, I had to close an account at the bank because of another merchant taking advantage of my debit card and checking account number for a monthly membership which I terminated in XXXX. My auto payment for XXXX was about two weeks late, and when I made my payment, I doubled the payment to cover both XXXX and XXXX. The Payments were processed first {$57.00} in XXXX, then {$700.00} which the automated system said was owed for XXXX. The total amount paid was {$750.00} by XX/XX/XXXX. The company refused to apply my payment to the XX/XX/XXXX auto loan due date. They actually argued with me and expected me to make a third payment in XXXX. They were very unapologetic and said that the decision was up to someone in accounting rather or not my XX/XX/XXXX payment would be applied to my XX/XX/XXXX installment, not me.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-26
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I started my auto loan with Santander in XXXX of XXXX. Ive been a victim of predatory lending. I was told my loan was only a 4 year agreement with a {$2000.00} down payment and the internet rate seems to be much more than what I agreed on.Most payments are only going towards the interest and other fees. The loan started at XXXX with a payment of {$300.00} a month ... several of which I payed double and as of XXXX I will still owe them over 8k
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2019-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A