Date Received: 2019-09-24
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I should not owe still 4 years later over XXXX Started this loan at XXXX and its now XX/XX/XXXX and I still owe XXXX XX/XX/XXXX I sent them over {$1200.00} as they claim I owed misc fee 's and late fee 's and return check fee 's which is not accurate at all, I been making my payments weekly and it seems over the years if my payment came in the XX/XX/XXXX when it was due theXX/XX/XXXX they fee my account. says my maturity date is XX/XX/XXXX was told today it won't be the case now with all this money paid my payments haven't started going straight towards principal as this loan is going into its 5th final year, I get lied too every-time I speak with someone I get a different story, I am sure if and when I deferred payments they added more and still took payment from me, I was charged when I deferred years ago, something is NOT right about this loan and I am looking for an attorney as well someone keeps adding fees to a vehicle that should be paid off XX/XX/XXXX I have much more documents I can send I have saved every chat and every letter. This Loan was not by any chance explained by the dealership this was sent years ago to them ( Santander ) my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit wasn't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, their interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase in our loan, which should be decreased as we make our payments that even thou our loan is due the XX/XX/XXXX of every month because they receive it from our bank on the XX/XX/XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until I saw this on our credit report, so I called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape 80 thous miles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there are no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I can't believe we are not the only ones please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Despite multiple requests, the unverified item with Santander, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Santander via mail and have returned undelivered mail with inaccurate address on file, and via phone Santander has told me I never had account with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Company Response:
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander Consumer USA is reporting incorrectly to XXXX ; XXXX and XXXX a charge-off on the SANTANDER CONSUMER USA account number XXXX. ( Please see page attached from my credit report. ) Santander misappropriated a payment that caused the late unnecessarily. By not correctly applying my payment, this error has started a chain of events that is seriously harming my credit score. This account is currently reporting as a charge-off. I have the vehicle and I make the payments on time. This account needs to be updated to report accurate information and/or deleted. I have contacted Santander as well as the ( 3 ) credit bureaus to resolve this incorrect reporting however, I have not been successful.
Company Response:
State: MO
Zip: 63010
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: It has been brought to my attention that there are multiple XXXX days+ late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Starting XX/XX/XXXX, I signed on for a 72-month used car loan with Santander consumer USA. The original principal amount was around {$13000.00}. As of XXXX, with a monthly payment of {$310.00} I have paid just under {$23000.00}. So far Santander has made around 66 % interest on the original amount financed. The problem is that they will not release my title because they say I still owe {$9400.00} approximately! I am appalled and I feel cheated and I feel like this is a crime! I've called them several times to get this resolved and explain that if I paid this amount they will have me 135 % profit from the auto loan. They refused to lower the amount only saying that I didn't understand how simple interest works. Unfair credit practice? And to add insult to injury, my car was repossessed on XX/XX/XXXX while I was 70 miles away from home. Now I have no way to get to work either!
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: There are two missing payments for XX/XX/2019 and XX/XX/2019. I the interim of payments being processed, both my husband and self were victim to Fraud/Identify theft. We had almost {$6000.00} taken from our checking account. Twice we have had to switch our account information and now have to take a series of security measures. During this time we had payments that were returned, not by our fault, but do the the fraudulent activity. I contacted customer service. I went over all information with Santander Consumer services. I was told by a representative named XXXX to have my husband call back, we would be able to defer the two payments to the end of the note, while the credit is being adjusted. My credit union processed the payment on XX/XX/2019 and was paid to Santander by ACH. I called today with my husband and spoke to representative who I spoke to first, went over all information as to why account was behind. I told her multiple times what I faxed in to prove proof of payment, a police report, and letter from my credit union. I was then informed by representative that previous fax number given was incorrect. I had to re fax. She then asked why I did not make a payment on Friday and stated that I was given wrong XXXX XXXX information and that I was not going to pay again when I am trying to correct the two missing payments. She then said to me that she needed to speak with my husband and transfer to department to handle the deferred payments. Then gets on the phone with him and demands a payment. He was like I need to pay you today??? We are trying to correct the situation and fix this. She then went into almost double question my previous conversation. Then he said I heard the whole conversation between my spouse and you. That this is not what you just discussed with my wife. She then got rude and he asked her to provide him with Law Enforcement information to properly handle the matter and she would not.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander USA - Vehicle was repossessed in XX/XX/XXXX. They reported it as a charge off XX/XX/XXXX. Santander has reported Failure to Pay monthly since repossession. When they first repossessed it, they updated the balance to reflect what was owed after they auctioned off my vehicle ( around {$6000.00} ). But since have increased the balance to what was owed on the original loan ( {$11000.00} ). They report a failure to pay monthly, causing my credit to continuously take a hit.
Company Response:
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have set up payment arrangements twice via phone. Neither time has it been corrected on my account. XXXX I got on chat and was told in order to make payment arrangements, I'd have to call so I called. I asked if my current amount due could be put on the end of the loan, as I'd done once before, and payments resume in XXXX. I was told yes - and to call back at the beginning of XXXX to confirm I'd be making XXXX 's payment. I asked for email confirmation and never received it. XXXX XXXX XXXX XXXX ET I spoke with XXXX and the agreement she made with me is as follows : {$260.00} by XXXX of XXXX will bring me current with balance of {$28.00} and {$290.00} due XX/XX/XXXX will bring me up to date with remaining past due balance transferring to the end of loan. I paid the {$260.00} on XX/XX/XXXX and still none of the confirmations I requested, nor the correction of my account. XXXX MESSAGE I SENT TO SANTANDER - " I called in XXXX and again in XXXX and spoke with representatives that ASSURRED me that my request to put the next two payments on the end of my loan so I could get caught up due to divorce was approved. So far that has not happened. I've paid what I can but it still shows past due. Now I will be able to resume payment in XXXX but I need the {$720.00} balance to NOT be overdue and put on end. DON'T TELL ME TO CALL BECAUSE I KEEP DOING THAT. I WANT THE AGREEMENT IN WRITING! '' Today, XX/XX/2019, I check and now the past due amount is {$1000.00}. I contacted them via chat because I am getting nothing in writing ONLY verbal and when it doesn't get done, my account is being affected - AND AGAIN THEY SAY CALL but all my efforts are going unattended.
Company Response:
State: OH
Zip: 44001
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested verification of my signature on something from this company thru XXXX. I have made this request over 6 times. All I receive is standard form letters that do not address the dispute. I am just so amazed at the level of incompetence. The last request that I sent in was a 609 letter regarding the collection account. What I received was a standard form letter regarding my address for the past few years. I sent several letters to the complaint department requesting the verification and all I received was verification of my addresses over the past 5 years. I am so tired of this company, Dealing with this company has stressed me out if they can not do what a customer/ client request maybe they should let another company come in and take over or just shut their doors. I had no issues getting my request answered from XXXX or XXXX. I am not even sure if your company can help them. At this point, I am looking into suing them or checking and going in on or checking into the new class-action lawsuit against them.
Company Response:
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-21
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I owe about XXXX on this car that I verbally told take due to I was having several cat problems and issues that I felt I should not be paying monthly for a used car thats having so much trouble. SANTANDER consumer has taking this car for over 7 years now. They are lingering and haunting my credit like they dont have a life breath to just not get off my credit. I dont letters but I get phone calls from XXXX XXXX which they are the ones working with them. I think this is fraudulent information that should of been removed if there is no communication from this company. I am going to get lawyer cause there are lots of people with this same issues with SANTANDER better known as XXXX XXXX. They are high robbery and scammers. They want to stay on your credit report for life not 7 years. I want this company REMOVED or I will settle this in court. I dont even have an account number or loan information no more. I am sick of it. By law it should be removed if no communication whatsoever from this company.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A