Date Received: 2019-10-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2017 I became XXXX and still am XXXX now. For 6 months following my initial XXXX date I received no income. It was hard to even keep food on the table. Id bought a vehicle prior to my XXXX and could no longer afford payments. I contacted my finance company to voluntarily surrender the vehicle. They wouldnt acknowledge this and rather than picking up the vehicle, they continued to harass me for the payment for 5 months, all the while the vehicle sat in my driveway undriven and in immaculate condition. Then, it was repod like a thief in the night. Id have given them the keys but they preferred to treat me like a criminal. After a couple of months, I began receiving calls from a debt collector. The truck had been auctioned and of course, there was now a negative balance they claimed I owed. This debt collector called both my wife and Is cell phones Sundays, Saturdays, morning, night, holidays, etc, daily demanding a payment. This went on until just a couple of months ago when I explained that I have been on XXXX and didnt realize the dealer shouldve paid off the vehicle with my XXXX insurance I was sold by the finance department. Theyve now sold the debt to a new debt collector. I challenged this debt with XXXX XXXX who ruled in the debt collectors favor, naturally. Im trying to buy a house now and cant because this bogus crap is on my credit report. Id like to sue all involved. They shouldnt be able to get away with ruining a XXXX mans life, but they do.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted my auto loan servicer, Santander, to let request a courtesy reversal of the late payment reporting as I suffered from a XXXX in late XXXX that kept me out of work for almost three weeks, which is why my car note was late in XXXX. After suffering this loss, I expected the company I have been paying on-time for over one year would have some kind of compassion in regards to the American disability act, seeing that XXXX is considered a temporary XXXX. I can provide hospital documentation if required.
Company Response:
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2019-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My fiance and I got a loan through Santander Bank. My fiance has a payee due to her being XXXX and suffering from mental health issues. Her payee has made all of our payments and bills for past 5 or so years, so when she started paying our loan we thought everything would be fine. She stopped making payments 3 months ago and we were never informed, nor were we called, and they claim it was because we had them placed on the no call list, which we did not and how would we be allowed to if that was the primary phone number on the account? The vehicle was repoed yesterday and when we called the bank today the person we spoke with was very rude and kept asking is in rude manner why we thought things were going to be any different if she gave us a chance to regain our vehicle, after she asked that 5 times we finally told her we didn't understand what she wanted us today because everything we said to her was met with the same, " No, now that's what you should of done before we repossessed it, what will you do diffefently? '' Which when we answered she would repeat the same queation! When I finally asked her what she wanted the answer to be, she said that she would be right back and then came back on and told us we would not be allowed to get the vehicle back unless paid in full. We'Ve already paid over {$5000.00} on that vehicle and just recently had brand new tires placed on it which cost us almost {$1000.00}. Please help us. I can be reached at XXXX
Company Response:
State: IA
Zip: 50401
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: {$16000.00} dollars is what i was told i need to pay before i can pay off my car interest and then i can finally start to pay on my actual loan. There was and issue that started back in XXXX of 2019 that started this whole spiral, since then i have been paying back what i can when i get the money. Every month up until this day ive have been paying something however nothing i pay going to my loan. I have called several times over the past few months and have gotten nowhere with the company ( Sandtander Consumer USA ) and have only spoke with disrespectful agents that had been no help what so ever. Ive contacted the XXXX and they were useless.
Company Response:
State: OH
Zip: 45211
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Vehicle was damaged or destroyed the vehicle
Subissue:
Consumer Complaint: Company has been paid in full by XXXX but refuse to send company, required information in order for me to receive my refund. Its been over a month and nothing still has been done. Date of Of Loss XX/XX/2019 In XXXX Texas During Imelda Storm.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In 2015 my XXXX that was financed through XXXX XXXX XXXX had an engine problem. This was supposed to be covered under my warranty however for weeks we continued to get the run around and were without our Jeep for over 5 weeks. XXXX who also handled the warranty stated it was user fault and would not cover the repair. The engine was clearly faulty as we only held the XXXX for less than 2 years. We appealed and during that time the XXXX was taken as repoed from the dealer where the XXXX was at waiting on word from the appeal for repairs. After it was denied again we could not get it back. No letter of intent to sell was sent, no letter of intent to repo was sent and the company was well aware of what was going on as their warranty department was handling the claim. The loan still reports on my credit with a higher balance than what we owed when the XXXX was taken how is that even possible to owe more? No deficiency balance fees were added to balance and it is ruining my credit still till this day. The XXXX was sold clearly but yet my balance still reports as higher than when I held the vehicle. This was a gross mishandling of fair credit acts and reporting. I want this removed from all 3 credit reporting agencys
Company Response:
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recieved a notification at XXXX XXXX on XX/XX/2019 that my XXXX credit report was accessed with out my permission. I did not authorize this company to access my credit report. Due to being a victim of identity theft I keep my credit report monitored
Company Response:
State: TN
Zip: 37849
Submitted Via: Web
Date Sent: 2019-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have asked a number of times for this item to be removed from my credit because it is over 7 years since my last payment and also they are showing my last payment was in XXXX but it really was in XX/XX/XXXX in XXXX this collection agency bought this debt so they have there records wrong i asked for it to be removed XXXX did this the other 2 still show it please XXXX & XXXX can you please remove this thank you
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Santander consumer finance is adding fees and not applying payments that I have made to my account. The vehicle was paid off and they are not applying money to account. They have tried to repossess my car even though they have proof it was paid off
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2019-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Loan with Santander Consumer USA contract signed on XX/XX/XXXX with 60 monthly payments. 1st payment due in XX/XX/XXXX. The co-signor ( ex-boyfriend ) and myself parted ways in XXXX. I was not aware he failed to make the XX/XX/XXXX payment. I contacted the bank a few months after advising them that the co-signor and I are no longer together and I was stuck paying for the entire household bills and two car payments and I needed to see what they can assist me with. The extended the loan for XX/XX/XXXX and changed my payment arrangement from {$350.00} per month to the principal of {$210.00} for 6 months. The original payment will be come due XX/XX/XXXX. I have contacted them on numerous occasions telling them their accounting and the payments to the account are not being credited correctly. I said 1 day I owe {$2200.00} I make a payment and it comes down to {$1500.00}. I recently just went on my account XX/XX/XXXX @ XXXX in showed that I owed a balance {$1500.00}. I made a payment of {$350.00} logically and in basically math from their system should have said balance {$1100.00} but as of today it shows {$950.00}. I have made all payments according to arrangements.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A