Date Received: 2019-08-25
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I finance a XXXX XXXX XXXX from XXXX through Santander. I had payments of {$390.00} for 81 months. For a total of $ {$15000.00}. How does this calculate? The repossesses the car twice and I had to pay double the payment to get the car of storage, the towing fee, plus the amount I owed. They then offered to skip a payment but ended up costing me more with additional fees and more months added. I called and asked for the rest of the payment to be forgiven after I got my XXXX and I was denied., Instead late charged were added and now I owe almost half of the original cost.. {$8000.00}, I would like them to forgive my loan due to my XXXX XXXX, report paid in full to the credit agencies and send me the title of the car Account Opened XX/XX/XXXX ( 6 yrs, 10 mos. ) Term 81 months ( 6 years ) Term My last payment was in XX/XX/XXXX
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2019-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I pulled my credit the first week of XX/XX/XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/19, I purchased a used vehicle financed through Santander Consumer USA. I was informed the first payment will go out approximately 45 days from date of purchase. On XX/XX/2019, I received the first statement in the mail a few days after the statement generated. The statement reads bill due XX/XX/19. I went ahead and paid my first bill in XX/XX/2019.On XX/XX/XXXX, a second statement is generated by Billing Dept from Santander stating the bill owed for $XXXX due on XX/XX/19. Although it states current on the bill. The amount of $XXXX is not been applied for the bill due XX/XX/19, for which was paid on XX/XX/19.I called and spoke to an agent who requested I wait up to a week for the billing department to fix the mistake. After 6 days, I called and was told it has not been fixed. On day 8 ( XX/XX/19) I speak to an agent who finally understood the issue but failed to ignore my request to have a supervisor escalate the issue. On my screen in shows PAST DUE as in delinquent on the XX/XX/19 due date. After 30 minutes on waiting on the phone, I spoke with Supervisor named XXXX. She put me on hold and then said: "Because you paid your bill 30 days earlier, we applied that towards your principal."I firmly stated that this was not my objective but to pay my first bill as it was sent out 30 days earlier from billing department and now I am being punished for paying my first bill due. Clearly not a valid excuse on Santander. I demanded my payment be accredited to my account as there is only 1 bill due and I paid it already. I ask them to fix my account and get it right the first time. After another hold, she returned by stating they need another 3-5 days to fix the mistake. She stated the first agent put in a request for a due date issue and not the issue of the erroneous mistake made by their own billing department with regards to my new loan account. Once again, I am at their mercy to do what is right and fix my account to accredit the payment made in XX/XX/XXXX to reflect the payment due for XX/XX/19.This is not ethical nor a legal transaction that has occurred but rather an unscrupulous attempt to con me into paying off principal at their discretion and ignoring the first payment for the new auto loan. I would like to proceed and continue to file this grievance to the fullest extent of the law.Thank you.
Company Response:
State: CA
Zip: 94588
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An XXXX XXXX XXXX company sent my information to road loans and ran my credit without my consent placing inquires on my credit report. I called XXXX XXXX XXXX and they would not help me, were rude and hung up. I contacted road loans via email and they refused to remove the inquiry, stating that they could run my credit as many times as they like. This is illegal. I am in the middle of a bankruptcy and can not have some scam sources running my credit. I have also contacted my attorney. Companies info : XXXX XXXX XXXX XXXX XXXX Loans XXXX
Company Response:
State: TX
Zip: 769XX
Submitted Via: Web
Date Sent: 2019-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, how are you writing this letter regarding a few that were fraudulently opened, I have already tried to dispute these few but have not been able to eliminate them from my credit report, I have an affidavit identity theft and report these accounts as fraudulent please remove these accounts of my credit report THANKS ..
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: - I owed this company for the payment of my car. I have paid them in full the debt that I owed and I have my title to my car. However, they are still reporting to the credit bureau.
Company Response:
State: NC
Zip: 27565
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I got an auto loan with Santander Consumer USA in XX/XX/XXXX. I set up auto payments before I left off to XXXX XXXX that XX/XX/XXXX. There was a mishap and I missed some payments and they charged my account off but never had possession of the vehicle , I finally figured out what was going on and caught my payment sup to date. Fast forward to XX/XX/XXXX when I'm still making monthly payments on a CHARGED off account. I decided to go XXXX XXXX and sent in my contract to Santander Consumer USA. I was told about SCRA benefits and called and the benefits took affect almost immediately dropping my interest rate to 6% and they stopped reporting to the credit bureaus, which they did. I was monitoring my credit and seen that they removed the reporting so I called and double checked and made sure everything was okay. The representative then told me to sign a waiver so they could start reporting back , at this time in in XXXX so they were to take our phones and I will not have any access to keep communications with them. They waiver was sent to my home back in XXXX XXXX while I was in XXXX XXXX, XXXX. So there is no way I could have signed the waiver they sent out and I clearly have military orders stating I would be in XXXX at that time and had no access to that waiver. I called and constantly begged for them to do the right thing and delete the account from the credit reporting but they will not. Its getting to the point where I would want to take this legal but I do not have the funds or time , that being I am constantly training and away from home due to being XXXX XXXX military. My father whom has XXXX , thought it was his mail he received. can clearly see the dates I was not at that location and I tried an call to explain the case but they ere not listening . any human being with common sense could see those dates are not matching up. I even tired once I got XXXX for operation faithful patriot and they still did nothing about it , by obeying their policies.
Company Response:
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX of XX/XX/XXXXI was laid off from my job, I called Santander to notify them that I could no longer make my car payments. The representative asked if I wanted the car repossessed. I did not know how to answer that question because I thought to myself that a repossession would be one of the worst things that could ever happen to me financially. I asked if there was a hardship program or if there was anyway I could skip one to two payments until I got back on my feet and was able to secure employment. The representative on the other line was heartless and said no. I then asked to speak to the manager and the representative said no, I am the manager and refused to transfer the phone call to a higher level personnel. This incident led to Santander reporting 3 late payments on my credit file which resulted in my credit score dropping below 450. I have been denied a house, apartment and education loans because of the negative payment history reported by Santander USA. Now in recent times on XX/XX/XXXXI gave XXXX to my daughter. Unfortunately I experienced XXXX after the XXXX which led to deteriorating in my health. This decline in my health resulted in me not being able to make my car payment on time. So as of today I have 4 late payments that Santander USA has reported negatively to the 3 credit bureaus. I have disputed the payment history several times and have called them to resolve this issue on many occasions and they have refused to cooperate with me. I feel like the negative reporting has resulted in my credit score being so low which has effected my life in a bad way. All I am asking for at this point is a second chance.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an auto loan account with Santander Consumer USA. I Checked my account statement online for the last 6 months. accounting information regarding my loan is incorrect and shows a higher amount due than what is actually due at this time. possible money laundering and fraudulent activity happening as money is not accounted for based on statements they have provided which do not match my financial statements from bank and accountant. Spoke to FBI to report suspicious activity and was advised to also file a complaint with attorney general of NY and TX including IRS. Also requested all statements regarding my auto loan to be sent via email/ mail and employee stated they " delete files and only keep items for one year" which was recorded on phone line. Statement given by Santander Consumer states I owe total amount of $XXXX as of XX/XX/2019. Accountant stated I should only owe a total amount of $XXXX as of XX/XX/2019. The amount of $XXXX has been conclusive to not be accounted for that should have gone towards principle amount due. Some statements produced by Santander are blank. Statements also show on several occasions total amount of monthly payment went to interest only. Based on a fixed rate stated in contract that can not be applicable.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2019-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was in a car accident in 2017 XXXX XXXX XXXX paid their portion and Santander was going to pay the remaining balance of my Loan with my gap insurance. Prior to the car accident I was never late I never had a late payment with Santander once the gap insurance was paid I was left with a balance of $XXXX which should have been included with my gap insurance. I was not aware of the peanut not being included so it was late I called into customer service several times trying to get this resolved I'm looking for the late payments to be removed off my credit report it's unfair it's not right I was never late prior with this company I always paid on time. Recently I learned that the company had a lawsuit regarding gap insurance and customer complaints I received a check for compensation nothing has been done regarding the late payments on my credit report.. I found a complaint with a different company and Santander sent me a letter stating that the late payments will be removed and my credit report will be updated and 30 days it's still showing on my credit report.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2019-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A