Date Received: 2019-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account from Santander Consumer USA is not my financial obligation and is hurting my credit score. I filed a dispute with XXXX, XXXX and XXXX on XX/XX/2019 and to no avail this derogatory account is still listed on my credit report. I have not heard from any agency in response to the accounts validity.
Company Response:
State: SC
Zip: 29505
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I was told by the company I purchased the car from that my payments would be using simple interest where my interest payments would be constant. I also feel like I was taken advantage of in my situation without a car and they gave me an interest rate over 25 % that will never be paid off. I have had the loan for 3 years and I owe more on it now than when I originally took out the loan.
Company Response:
State: OH
Zip: 43040
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-12
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: On XX/XX/XXXX I went to XXXX looking to purchase a vehicle. I decided on a XXXX XXXX XXXX that had nearly over 100,000 miles on it. I was told by the salesman that I after making 6 months of on time payments I would be able to refinance my auto loan for a better interest rate. After 6 months of on time payments I was denied the ability to refinance my car loan because the vehicle had over 100,000 miles on it. I believe I was sold the car just to make a sale and I've been stuck with paying {$20000.00} in interest a vehicle that is 10 years old. I reached out to Santander who my auto loan is financed through on several occasions. Initially, when I attempted to refinance my auto loan I was told by Santander that they do not refinance auto loans which left me devastated because this is not what I was told by the XXXX salesman. Current Loan Details APR 28.68 % Monthly payment {$420.00} Total interest {$19000.00} Total principal ( the car ) {$4100.00} Total loan {$15000.00} Total term 81 months Loan holder Santander Consumer Usa
Company Response:
State: KS
Zip: 66104
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Reported to credit bureaus of late payments that are incorrect. We made payment arrangements with them and they reported lates. Impacted credit score dropped it 35 points and we are trying so hard to get our points up!
Company Response:
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XXXX XXXX XXXX and XXXX XXXX too many recent auto account delinquencies
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
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: Okay, my problem is complicated. I may have to send three separate complaints against ( Santander USA, XXXX XXXX and XXXX XXXX ). Here is my problem. I have two lien holders listed on my non negotiable title. I live in Oklahoma. In early XX/XX/2013, I took out a loan with Santander USA, and in late XX/XX/2013, I had it refinanced with XXXX XXXX for a lower interest rate. On XX/XX/2013, Santander USA was paid {$17.00}, XXXX for my vehicle loan, meaning Santander USA was paid in full by XXXX, and thus, XXXX XXXX became my new lender and lien holder. Months prior to paying XXXX XXXX 's loan off, XXXX sold or transferred their auto loans to XXXX XXXX, which complicates matters. My local tag office in XXXX, Oklahoma, which provides clear titles, refuses to give me my full, and clear title, because they states Santander and XXXX needs to be removed as lien holders. Neither company ( Santander and XXXX ) sent in the proper paperwork to the Oklahoma Tax Commission, ( OTC ) removing their liens. In addition, XXXX XXXX 's transferee ( XXXX XXXX ) failed to send in proper paperwork either to temporarily add their lien and advised they were taking over XXXX, nor did they send in a lien release to the OTC. All of this has been a headache for me and it doesn't appear to be resolved anytime soon. Meanwhile, I am denied my clear title because of them. This is a clear violation and fraud. I will be sending separate complaints for each lender ( Santander USA, XXXX XXXX and XXXX XXXX ). Please investigate. and help me get my clear title without liens on it. Thanks for your time. Respectfully, XXXX XXXX
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: New car financed through XXXX XXXX ( XXXX ) XX/XX/XXXX. XXXX totalled XX/XX/XXXX, XXXX rec 'd full payoff in XX/XX/XXXX. Employee at XXXX in XX/XX/XXXX made error and brought car out of total in system and marked us as 120 days late. WE NEVER EVER MADE ANY LATE PAYMENTS THROUGH CC!!!! I have spent OVER 2 dozen hours on the phone OVER the past 4 years to have this removed off my credit reports TO NO AVAIL. It has cost me credit and interest rates. It still shows up in XXXX " everyday system '' as 120 days late, even though not one payment was even a day late! ENOUGH!!!!!
Company Response:
State: IL
Zip: 615XX
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
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: In XX/XX/2017, my lease was re-possessed due to being 87 days late in payments. On that SAME day, i paid the remaining {$930.00} of the amount owed on the lease, and have not heard anything pertaining to the account since ; no phone call, no mail, nothing .... Since the date of my final payment, my credit report has shown the following : Account Status : CLOSED Closed Date : XX/XX/2017 Balance : {$0.00} Payment Status : PAYS ACCOUNT AS AGREED. After an attempt to have XXXX XXXX reflect my account as being in good standing with the Credit Reporting Agencies, they are now reporting : Account Status : OPEN Payment Status : Past due 180 days Balance : {$830.00} Upon calling them to correct this issue and find out more, the customer associate admittedly told me " i actually don't see a bill, but the amount owed is for repossession fees and late fees .... '' Over the course of the last 2 years, myself, nor my mother ( co-signer on the vehicle ) have received ANY form of communication regarding this matter. XXXX XXXX says that they sent ONE letter in XXXX of XX/XX/2017, but no other attempts were made, and that letter wasn't even a bill ... .... I want this balance owed dropped, and i want this account removed from my credit report. I have no problem admitting to the fault of late payments over the term of the lease, but i will not, and should not be held responsible or have to suffer for the errors made on the behalf of a company. This is directly affecting my credit score in a negative manner, and it hasn't been reported ONCE in the last 2 years for me to even know that it existed.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX New jersey Okay my experience with XXXX the salesman was XX/XX/XXXX. However be careful when when making deals here. They give the lowest trade value compared to anywhere. I bought a brand new XXXX cherokee. I drove off the lot traded in my car the same day. I didnt like the car after doing my daily routine one day later. I came back two later they didnt want to take return so I did a traded it in. Car lost 25 % of its value. Only about 100 miles or so. I understand that. However they didnt help with the big amount of money I gave them with my trade in. So I lost another XXXX $ getting into the other car that I still wasnt satisfied with. Which left me with an equity of {$3000.00} toward this car. Now thats stealership. I just want everyone else to be careful with what you do cause theres no going back once you sign those papers and whats gone is gone and it sucks i just handed these guys XXXX XXXX Lesson learned. Also theyll lie there giving more for your trade but all theyll do is use these random rebates to get the car price down. So you fall for it. You wont find out until the last paper you have to sign. Which is the 20 long legal paper in pink
Company Response:
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I called Santander to ask them for help with lowering my car payment. Im on XXXX with a fixed income. My current monthly payment for the car is {$400.00}. Im trying to avoid bankruptcy. At XXXX XXXX XXXX, I was charged for gap insurance that I was adamant against it. The finance manager XXXX ( I believe ) told me that I cant purchase the car without it. Please advise and help.
Company Response:
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A