Date Received: 2019-06-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The 30- and 60-day delinquency reflected on our credit reports from Santander Consumer USA for XXXX and XX/XX/XXXX are erroneous. Payments made on the account over the course of 7 years were current and paid in accordance with the information provided by Santander Consumer USA. In XX/XX/XXXX, the account information on Santanders website reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. However, on XX/XX/XXXX, we received notification of a 30 day late on our credit reports from Santander. On XX/XX/XXXX, we spoke with a representative at Santander and was told although the principal balance on the account was now paid in full, the account should have continued to advance, and regular monthly payments would go toward the remaining fees on the account, but did not. Apparently, only the online account advanced ; Therefore, she submitted a request for the account to continue advancing, in addition to the removal of the negative credit reporting. In XXXX, the account information provided by Santander reflected our regular monthly payment of {$610.00} due on XX/XX/XXXX. A few days later, we received notification of a 60 day late on our credit reports from Santander. We immediately called and was told the information provided by the representative on XX/XX/XXXX was incorrect, as well as our online account information. Santander has acknowledged their errors, but refuse to correct the negative impact on our credit report as a result of their errors. We have escalated this issue to management only to receive no return calls or resolutions. The negative credit reporting has caused severe financial hardships on our family. This experience has been surreal as we have never been delinquent in our 7 years with Santander. The account was paid per the information furnished by both Santanders online account and representative.
Company Response:
State: CA
Zip: 92532
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
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 continuously contacted XXXX as well as XXXX XXXX XXXX about this account that was part of a debt buying purchase. The account was initially opened with Santander in XXXX of XXXX when I purchased a 2007 XXXX XXXX. Last payment received XX/XX/XXXX and charged off XX/XX/XXXX. It was then sold to XXXX in XX/XX/XXXX, XXXX XXXX XXXX in XXXX of XXXX and finally to XXXX XXXX XXXX in XXXX of XXXX. I have contacted XXXX. XXXX XXXX as well as XXXX to advise them of incorrect credit reporting since XXXX XXXX XXXX is reporting currently that this is a new debt from XX/XX/XXXX so I am being denied credit to purchase a home because of this debt being re-aged. This clearly exceeds the guidelines outlined in the FCRA and yet neither company is taking any action to rectify this situation.
Company Response:
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX, SANTANDER, XXXX XXXX PULLED HARD INQUIRIES ON ALL REPORTS.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I had a 2011 XXXX XXXX XXXX financed with Santander Consumer USA. I originally took out the loan, in XXXX. I have been paying on the loan every since. The original loan amount was approx XXXX. It had been XXXX until now XXXX and I still had a loan balance of approx XXXX. My payment were originally XXXX monthly The moved to XXXX after the hurricane devastation. I requested a running billing statement several times but never received it. The vehicle had electrical trouble and would be her costly to fix. I requested extensions on payment to fix but was denied. I then sent in a certified return letter which was received as I have confirmation to voluntary surrender the vehicle. Santander then picked up the car but later contacted me stating they were listing as a regular involuntary surrender. As I did not call them. The certified letter is not the correct was to do it. This is even when their representative is the one who gave me the address to send it to. A few weeks later I received a letter stating the balance on the car owed was approx XXXX it was sold for approx XXXX and I owed approx XXXX.
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Back in 2014 I lost my job and had to give back my car. They ( XXXX XXXX ) repossed it. I was served a summons to go to court by XXXX XXXX for the debt on the car. Ive never done business with XXXX XXXX before. I have a court date on XX/XX/XXXX for it.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Back in XX/XX/XXXX I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. Inquiry details ... XXXX Inquiry from XX/XX/ Misc. XXXX XX/XX/XXXXInquiry fromXX/XX/XXXX XX/XX/XXXX XXXX Inquiry fromXX/XX/XXXX Finance XX/XX/XXXXInquiry fromXX/XX/XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX Inquiry from XX/XX/ XX/XX/XXXXXXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/ Finance
Company Response:
State: IL
Zip: 629XX
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My vehicle was totally out and I had Gap insurance. My Gap Insurance paid the balance which was XXXX on XX/XX/2019. On XX/XX/2019 it left me a balance of {$240.00}. I reviewed my account and called Santander and the representative stated I have a balance for {$510.00}. I asked the representative to explain to me why my balance increased. The representative couldn't tell me the reason why because he didn't understand why. I ask to speak to supervisor he stated no one was available to speak to me at this time. I review my credit report and Santander report late payment for XXXX for {$62.00}. I never receive any statement from Santanter stated I owe {$62.00}.
Company Response:
State: LA
Zip: 71203
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My car was in a total loss onXX/XX/19. The Insurance company paid off the car. The loan company is taking over 20 days to apply the insurance payment to my account. To purposely try and ruin my credit. A lady name Ms. XXXX has called me literally everyday with a rude attitude and causing me stress and heartache. I was told by one of the reps and I have the proof of the conversation, that they would back date my account to the day they received the payment. However, the payment was over night to them XX/XX/2019 and they still to date have not applied the Insurance payment to the account. I was told that I could hold off on paying any payments since the insurance check was in their office. Ms. XXXX called me today arguing with me causing me more stress and my XXXX XXXX to arise., that if I didnt make a payment today they would ding my credit since no payment has arrived. I told them that the payment did arrive and i was on the phone with the insurance company and their company and they verified that payment went to the correct overnight address and they would update it that night. Ms. XXXX then said well the accounting department said they cant find the check. I said well How would I have ever knew this, Well they dont make calls. I told her then they are purposely trying to ruin my credit. She hung up on me
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Male called my phone to collect a debt that is not mine. Threatening over the phone, saying that I am a primary on an account. I asked for him to not call me back and that it is not my debt.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company fails to respond to my written request for validation of the alleged debt. The amount is reporting in correct and it is reporting as a negative when the account should be closed. They have failed to provide me proof of the debt bearing my signature etc. Under the law they are to delete if validation can not be provided.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A