Date Received: 2019-09-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2017 my information was personal information was compromised due to the XXXX Breach on XX/XX/2017. Since then many inquiries has been placed on my credit report that do not belong to me. In the attachment Ive sent you are all the inquiries that are on my credit report. I have circled the inquiries that do not belong to me. Ive tried reaching out to to these companies but I have gotten no response regarding this matter. Please remove these item from my report.
Company Response:
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: In XXXX of 2019 my wife XXXX and I purchased a XXXX XXXX XXXX and also opted in for the extended warranty. Within two weeks we decided to cancel the extended warranty which was within the timeframe to do so and filled out the paperwork with the dealer. In XXXX we had seen no credit applied to our loan and contacted the dealer. We found out that the extended warranty was still active and that no action had been taken. We complained to the dealer who contacted XXXX XXXX XXXX to find out what the hold up was. Now it's XXXX and when we checked back on this the extended warranty is still active and no refund has been issued. The full price for the extended warranty is {$3800.00} which is what we are due to be refunded, unfortunately these depreciate over time which means that this warranty is worth less now than it was when we cancelled it. We would like the full refund due.
Company Response:
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I purchased a vehicle and was financed through Santander Consumer USA. I was happy with the loan and the vehicle until the vehicle was totaled in XX/XX/2019, The majority of the loan was paid off quickly by my insurance company leaving a balance of my loan of {$700.00}. I was pleased to know that my gap insurance was going to pay off the remaining balance to Santander consumer USA and would be resolved. Unfortunately the gap insurance took longer then expected. I became extremely nervous about Santander reporting late payments to my credit or charging me late fees as i am in the process of purchasing my first home. I called weekly and spoke to a representative at Santander to make sure none of this was going to occur. Every time they assured me because they where aware of the situation and i was keeping them informed this would not happen. I called them for the last time after my gap insurance had finally paid off the loan to ensure my account was still in good standing and i would receive a payoff notice. This is the first time after over ten phone calls throughout the course of the process that they stated it WAS TOO LATE! I was informed that my credit had been hit with a over 60 day past due payment and was mortified. I explained to the rep i was told several times this would not occur due to the circumstances. She stated there was nothing she could do. I Asked for a supervisor which proceeded to tell me after it hits my credit there is no way he could reverse it. I was in tears as i saw my credit i had been working on go from a promising XXXX down to a XXXX. Due to this incident i was unable to make the offer on my home. I am confident there staff is trained to tell customers that there account is in good standing until it is too late in order to receive the late fees and make sure customers stay further in dept with there company. Theses actions are appalling and i have never been treated so unethically. I was young at the time and this was my first loan, they prayed upon that and my family and i are suffering the consequences.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
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: I contacted Santander numerous amount of times about them reporting incorrectly. I reached out to the XXXX about them Inaccurately reporting a XX/XX/XXXX payment. They eventually deleted the XX/XX/XXXX late payment. After deleting the late payment they started reporting a XX/XX/XXXX late payment which never showed before on my credit report until they deleted the XX/XX/XXXX late payment. As stated before i have reached out to Santander multiple times and they are very rude and unhelpful.
Company Response:
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM A VICTIM OF ID THEFT. I SENT IN THE ID THEFT AFFIDAVIT AND PLOICE REPORT AS I WAS INSTRUCTED WHEN I WAS CONSULTED THE FTC. IT HAS BEEN OVER 2 MONTHS AND XXXX CONTINUES TO REPORT THESE FRAUDULENT ACCOUNTS IN VOLATION TO THE FCRA LAWS. I WOULD LOVE FOR XXXX TO COMPLY AND CEASE TO REPORT ACCOUNTS ON MY PROFILE THAT WERE OPEN BY THE THEFT AND NOT ME.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: there has been account in my credit bureau for more than 7 years and the credit bureau dont deleted
Company Response:
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I bought a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Texas back in XX/XX/XXXX and made on time payments and kept it until I decided to trade the vehicle in on XX/XX/XXXX when I purchased a XXXX XXXX XXXX. Both of my cars were financed through Santander Consumer USA. After signing the contract and paying for my tax, title, and license, I was current with my loan with Santander and the vehicle was supposed to be paid off after the trade in. According to the State of Texas laws they have 25 days to pay my loan off. XXXX XXXX in XXXX never paid off my loan. When I asked them about it they told me that they sold my car off to auction. I am stuck with a loan for a car that I do not have and because I could not afford two car loans at that time, it resulted into tow truck coming to my home every night and then a charge off on my credit. Too add to my problems, I never received my tags and the car is still not registered in my name. I am paying for a car that I technically don't own. This issue has not been resolved and there is no timetable for a solution. I still have expired temporary tags since XX/XX/XXXX. As of right now. I am stuck with a $ XXXX loan charge off and no tags on a car that I don't own. Please help.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: XX/XX/XXXX : I went to XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) to inquire on a used XXXX XXXX XXXX they had in stock. The price was guaranteed to be {$19000.00} according to our salesman 'XXXX XXXX XXXX who was helping us with the car. Upon agreeing to purchase the car, I was sat down with their finance sales manager named XXXX XXXX XXXX. XXXX XXXX was extremely shady in his negotiations with the car after he pulled my credit report, he initially advised that I would only be needing {$1500.00} as a down-payment which I agreed to, then he went into his office and came back, asking for {$4500.00}. He showed me a list of all my credit cards on my profile and my credit limits on each card, he then started to advise me on which credit cards I could max out to reach that down-payment. He then advised that if I could put down {$4500.00} as a down-payment, it would be a guaranteed approval. He later then showed me a breakdown of how much my monthly payments are going to be for price of the car. I then noticed a discrepancy with the price, the advertised price of the car was {$19000.00}, but on the cost-breakdown sheet he was showing me, there was a {$3900.00} " package '' added to the price. I then questioned this package, and he reassured that they would take that package off, if I didn't want it. After agreeing that {$4500.00} down-payment is my max I could go, he then went to his office and came back with an approval saying I am approved for the car, with a down-payment of {$4800.00} ( {$300.00} more than the previous agreed down-payment ). He then only showed me what my monthly payments were going to be, and when I questioned the interest rate, he backed off a bit saying the interest doesn't matter, as long as I got the car. XXXX then advised that he could take my 3 credit cards to run the {$4800.00} down-payment. Thinking it was just {$300.00} extra, I agreed to the deal, as I was tired and really wanted the car. Around XXXX XXXX that day, I was finalizing the paperwork with the finance manager named XXXX XXXX ', he was extremely pushy and was hastily forcing me to finish all my paperwork without reading it. He pressured me into signing everything quickly, giving the impression of him wanting to leave as soon as possible. After everything was done, and that morning I read my contract again, and couldn't help but noticed that the vehicle 's price on the contract had a huge discrepancy to the promised price of {$19000.00}. The contract shows that the price of my car is : {$23000.00}, and after tax and licensing, the new total would be {$25000.00}. After that, they applied my down-payment of {$4800.00} to the new total, to get my finance amount of : {$21000.00}. I was shocked that they had cheated me. I was originally promised a guaranteed price of {$19000.00}, which would of had my {$4800.00} down-payment applied, and the amount financed would of been {$14000.00} pre-tax and licensing. Not only that, but I was financed an interest rate of 24.56 % and the bank 's name is NOWHERE to be found on the contract. I had to call numerous times to get a finance manager to give me the bank 's information. XX/XX/XXXX : I then called XXXX about this discrepancy right away, and the first thing he said was that the contract was already signed and he can't do anything about it, I then advised that he wouldn't finance any extra packages on top of the original agreed amount without my consent, XXXX then acted confused saying he doesn't remember any of that. XXXX then tried to push the problem to the finance manager XXXX XXXX '. I then contacted XXXX XXXX ' and inquired about the " package '' that was added on top of my sales price to which he answered vaguely saying it's for the door trims. I then asked for a list of what was included in the package, and he said he would email me it, to which I never received. XX/XX/XXXX : I then called XXXX XXXX to ask for XXXX numerous times to only be ignored and transferred around and then hung up repeatedly. I was finally able to get in touch with XXXX XXXX ' the finance manager and he advised that he already gave the list to XXXX , which was odd, because he was originally supposed to email me the list. I then asked XXXX to email me the list, and he bluntly refused saying XXXX has the list and to get it from XXXX. I then tried numerous more times to call XXXX to only be ignored, transferred, and then hung up on. XX/XX/XXXX - XX/XX/XXXX : I also work almost every single day, and it is nearly impossible to constantly reach out and try to get a hold of XXXX. During these dates, I have tried numerous more times to inquire about the contract discrepancy and the " package '' content that was worth almost {$4000.00} to no avail. I am afraid that this " package '' added on top of my car was a scam by the dealer to pocket {$4000.00}. Nowhere on my contract mentions anything regarding a package, they literally just raised the vehicle guaranteed price from {$19000.00} to {$23000.00}. Not only that, the contract mentions no bank that financed me. I feel so devastated that I was taken advantage of since this is my first car that I am financing, and I barley immigrated to America with not much knowledge regarding financing. I honestly feel that these men have taken advantage of my situation and manipulated it for their own gain. And in the end, I am left with a vehicle price I never agreed to and a car that is already high mileage. Before leaving the dealership, I asked XXXX XXXX, the salesman about any dents or dings would be fixed under our warranty, since the vehicle 's color is silver, and it was already dark, so I was not able to judge the vehicle 's condition. XXXX then advised that it if any scratches or dings were visible, they would fix it free of charge. That wasn't the case when I contacted XXXX XXXX, he advised that the vehicle is purchased as is, and he gave a very blunt attitude to his answers. XX/XX/XXXX : I came back to the dealer with my family members and found XXXX in person, we advised him of the fraudulent contract, to which he started acting confused and saying " Which salesman was it? '' knowing full well that he worked with 'XXXX XXXX ' on my vehicle. I then advised of XXXX XXXX and XXXX XXXX, to which he started to pretend to " remember ''. I reminded him of the numerous calls and messages my husband left for him. He then blamed that it was because of the XXXX XXXX weekend, hence why he was busy and he couldn't get back to me. This was all before XXXX XXXX weekend, and he had many opportunities to get back to me, to which he obviously ignored. It was then when my family member called him out on his dealings, he then said it is an open contract and nothing could be done. He showed no remorse, and aggressively brushed us off. We then left the vehicle and key at the dealership, and took pictures of the vehicle parked at their dealership. It was later then that my home video recording caught a worker at the dealership driving the car and aggressively parking it on my property without permission. They not only cheated me, but also trespassed my property, when we told them in person to not bring the vehicle to our property. Original agreed vehicle price : {$19000.00} | Dealer 's Fraudulent Vehicle Price : {$23000.00} From now on, XX/XX/XXXX : We will be dropping the vehicle back at the dealership early morning, before I go work. As I do not find it fair for me to be stuck with this fraudulent contract. Please see the attachments of the promised vehicle price taken prior to negotiating and the contract screenshot, as well.
Company Response:
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-02
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: In XX/XX/XXXX, I was referred to XXXX XXXX XXXX because I wanted to trade-in a car that I was financing. Due to my " poor '' credit, I was told that they would definitely get me into a better car with better terms. On XX/XX/XXXX I went there and spent hours with mostly the salesperson and then going back and forth with the finance manager. My trade-in was appraised ( excellent condition and low mileage for a car that age ). I was led to believe that XXXX XXXX XXXX was taking my trade-in. After all, the reason why I bothered to go there in the first place. I was anticipating slightly lower payments and/or a better car and deal. As I began reading, listening to the salesman and finance manager, as well as going back and forth signing the paperwork, I asked them what about my trade-in. That's when I was told that I was " upside down on my loan ''. I did not know what that meant, so they explained it to me. I asked why I was not told that before. I also asked, " what am I supposed to do with two cars? ". The salesperson said that I need to find a way to get rid of it. This situation made me feel absolutely helpless. I went to the dealership in an attempt to not only get my finances better situated, but to also build my credit. I believe that I was taken advantage of. They exercised aggressive sales tactics and blatantly lied about taking my trade-in. As a single mother with only my small income to support my family, I struggled tremendously trying to pay two car notes and the insurance. I was placed in extreme financial distress. In addition, I also came to realize that based on my situation at the time it is highly unlikely that someone with my income would even qualify for that particular loan. This loan has caused me financial turmoil. On XX/XX/XXXX, Santander Consumer USA reported this account as a chargeoff. I can not improve my credit, which prevents me from being able to reach my goals of a better life for my family. Upon recently researching my concern, I have realized that I am a victim of predatory lending.
Company Response:
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2019-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Consumer USA is reporting a 30 day late payment on my credit report after the account was refinanced with another lender and no longer in their hands. I spoke to a representative about the delinquency of my account for the month of XXXX and what the duration I had for my account before it would be reported as 30 days late to my credit. I was in the " slow '' process of getting the account with them to another lender to avoid paying anymore predatory interest on the vehicle. The representative told me I had until the end of the month, XX/XX/2019 to pay the account before it would be reported as 30 day late. Santander Consumer told me I had until the XXXX of XXXX to pay, the car was paid out and closed XX/XX/XXXX. 3 days before the date I was told by one of their reps to to pay by. I noticed them reporting the 30 day late payment after they told me other wise. I got a rep that old me they would be removing the false information. I had to fax over a letter to Santander about the dispute I had. The credit reporting department sent me a letter contradicting what I was told by their rep that the information would NOT be removed. I called yet again and was told to fax over my XXXX credit reports to them. Why I need to send Santander my credit report if they're reporting the information I don't understand. I called AGAIN for the 4th time to a rep that just kept telling me the information was 40+ days past due. I told him about the previous information I had received about making the payment before the XXXX of XXXX. I asked for a manger because the outcome of this company reporting " false '' information after they told me my pay by date is negligent. The manager never came after a long wait time, so I hung up. The credit department apparently can't be reached by consumers. Santander got the account closed out and paid. They no longer have my account. The conversations that was had between my wife and rep.needs to be reviewed. Santander needs to abide by the information provided to me on their end and remove the 30 day late payment on my credit report.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A