Date Received: 2019-08-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: From XXXX XXXX : I have dispute with Santandar Consumer USA. I bought a vehicle and the loan was from Santandar. I was told that if I paid by a certain date, that I would not be late. They seemed nice and flexible. Unfortunately, I have multiple 30 days lateness on a lot of payments, from what I was told by their company on the phones. The truck is paid in full as of at least 2017, I believe it was prior. Additionally, this is on my husband`s credit report too. The bills were only in my name and they continued to list it jointly, along with the negative feedback, on my husband`s credit reports too. Overall, they are a good loan company, but a really bad company for credit reports. I believe, based upon the timelines I was verbally provided and set up autopayments, the 30 day late payments should be removed from my credit report. Also, they need to remove themselves from my husband`s credit report. My truck had nothing to do with him, it was my bill. They hurt the purchase of my recent car and their own loan - I would have picked them, but, not after seeing my recent report, anymore. I honestly thought everything was ontime. I concur.
Company Response:
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: FLORIDA DECEPTIVE AND UNFAIR TRADE PRACTICES ACT The Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) ( Fla. Stat. 501.201 et. seq. ) and its federal counterpart ( 15 U.S.C 45 et. seq. ) give consumers legal protection against unfair or deceptive acts in the conduct of trade or commerce. FDUTPA provides for a private right of action as well as to a unit of government which qualifies as " an enforcing authority, '' whereas the Federal Act only provides a right of action for the Federal Trade Commission. Violation Section 2981, 2981.7., Regulation Z '' the contract did not specified The Financing by Lender to be Upfront Interest Charged on the Loan, as required by Law, Section 2981, 2981.7., Regulation Z '' means a rule, regulation or interpretation, determined on the simple-interest basis promulgated by the Board of Governors of the Federal Reserve System ( `` Board '' ) under the federal Truth in Lending Act. If the contract includes a finance charge which is determined on the simple-interest basis, the contract shall contain a notice, in at least 10-point boldface type if the contract is printed, reading as follows : " Notice to buyer : ( 1 ) Do not sign this agreement before you read it or if it contains any blank spaces to be filled in. THIS WAS NOT IN THE LOAN CONTRACT, XXXX XXXX is a XXXX Person and Senior Citizen, and by 2011 Florida Statutes Section 501.2077 Violations involving senior citizen or handicapped person ; civil penalties ; presumption. See Exhibit D Decision on Judge Order ( 1 ) As used in this section : ( a ) Senior citizen means a person who is 60 years of age or older. ( b ) Handicapped person means any person who has a mental or educational impairment which substantially limits one or more major life activities. ( c ) Mental or educational impairment means : 1.Any mental or psychological disorder or specific learning disability. 2.Any educational deficiency which substantially affects a persons ability to read and comprehend the terms of any contractual agreement entered into. By this affidavit, I had the auto returned to the finance company, and told them the reasons for violations as described above. This is a true statement.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I logged onto my online Santander account for my car and saw that they charged me a " miscellaneous '' fee of {$87.00} on XX/XX/XXXX with no explanation. This amount was deducted from the total monthly payment I made that day. As a result, this is very difficult to dispute with my bank because they did not take the fee until after they had the whole payment in their possession. I called their customer service number and they said that fee is from me " extending '' the loan " for one month '' back in 2017. The person who I talked to on the phone said she had no idea why I was charged this amount now and also said I would be charged this {$87.00} THREE more times and she did not know when I would be charged. I demanded to see the paperwork that I signed in 2017 and she said Santander is unable to provide it because of my electronic signature. She said I would have to look at the email that they sent me two years ago. I looked at the email but the link in the email no longer works.
Company Response:
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This complaint is not a duplicate tied to complaint XXXX. I pulled my XXXX credit report and found Santander Consumer USA had pulled my credit without authorization on XX/XX/2018. I sent them a letter to remove the unauthorized inquiry or provide the signed application which is needed to file a FTC identity theft report. They did not delete the inquiry or provide the documentation required under section 604 of the Fair Credit Reporting Act. This is a violation of the law and they must comply be deleting the inquiry or providing the signed application so a FTC identity theft report can be filed. Failure to adhere to the law will result in legal action.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I bought a car from this company 6 years ago. Upon receiving the car I had to take back a few times because of maintenance issues with the car. Dealership wouldnt fix the car until I reported to the owner. Owner of the company made them fix the problem which is persist the whole time I had the car. I dealt with this problem for 5years of the loan. I was late a few times on my loan and was a great customer. Maybe, the last 5-7 months of the loan I wrecked the car. I was out of work for a bit due to the wreck of the car. I owed around XXXX of a XXXX loan and was to the end of the loan. Company was mad for me not paying the XXXX. That I owed! My plan was to pay in one payment when I received my payment for insurance. My car was reported as a charge off before 180 days of a reporting time for a charge off. I talked with someone from the company but didnt get it in writing thinking they would delete the information once paid. I was a great customer and paid my car up until the end of the loan. I only owed XXXX and I felt I was done wrong for that payment. I was stuck with a charge off on my record for 6 years now and I have been getting jacked up loans because of this treatment. This company wouldnt approve me for a new car but sent a letter 6yrs later saying Im approve for a car. The way this company treated me for XXXX I would never send a family member to them. I think the prey on people with bad credit and treat them wrong when someone falls on hard time. I didnt deserve 6years of charge off on my account for XXXX dollars I paid. Would have been nice to Have this removed so I can move on with my life. If I would have known not to trust a company when they put charge off and say they would erase once received payment. Next time get it in writing on anything they say over the phone.
Company Response:
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: On XX/XX/2019 our vehicle was in an accident the insurance company totaled the car out the Principle loan balance as of XX/XX/2019 was {$23000.00} XXXX XXXX paid out {$15000.00} Gap Insurance paid {$3000.00} the Lienholder/finance company says I still owe {$6300.00} & is now reporting to my credit after those other payoffs of that balance & says it is a Open Active non Collateral Loan I asked if they can send me the contract I signed they stated that it was not in the contract. The interest on the loan is 27.29 % XXXX per day interest. During the loan Total Principle paid for 1.5 year payments was around {$200.00}.
Company Response:
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: We leased this car in XX/XX/XXXX when we lived in XXXX. We set the lease up on auto-pay so the payment automatically debits from our checking account each month. We also paid the personal property taxes due on the car to the lease servicer in XXXX of XXXX because VA bills the title holder directly. In XXXX of XXXX we moved to XXXX and notified the lessor. We even obtained a letter from Chrysler Capital giving us permission to register the car in XXXX, which we did on XX/XX/XXXX. Despite being notified that the car was no longer garaged in XXXX, Chrysler Capital has continued to bill us for personal property taxes and licensing fees for XXXX. They have also issued numerous fees to my account that they have provided no substantiation for, despite my request to be given copies of the details for all fees charged to my account. I have spoken with them at least once a week for the past 6 weeks and submitted documentation as requested and they have failed to resolve the issue. They continue to show my account as past due when I have never missed a payment.
Company Response:
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX, a car I financed in XXXX, XXXX through Chrysler Capital was illegally repossessed. Points of concern : 1. The repossession firm indicates XXXX didnt initiate the repossession, but after the tow truck driver picked up my car based on what he referred to as a hot hit, he ( XXXX with XXXX XXXX ) stated Chrysler agreed to begin repossession proceedings due to a late payment. 2. A notice of right to cure default was never sent. 3. A notice of repossession was never sent. 4. I was not given an opportunity to correct the defaulted payment amount and car was sent to auction without my knowledge or consent. 5. As of today, XX/XX/XXXX, I have received no communication from Chrysler Capital in form of mailing or telephone contact. My on, one account indicates nothing regarding a repossession. 6. The repossession agent is not properly licensed in Colorado. Hes been told to not trespass on my landlords property previously, but continues to do so.
Company Response:
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
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 have a loan with SANTANDER. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response:
State: NY
Zip: 11206
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I got this account caught up about 2 months ago and have been making payments ever month but it shows on my credit that I havent make a payment in months. Santander USA is the company and it says my account is closed.
Company Response:
State: TN
Zip: 37804
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A