Date Received: 2019-05-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The dealers here XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX are doing frauds theyre sending false advertising The XXXX credit cards XXXX XXXX XXXX are calling asking your social security number fake wed page with fake numbers
Company Response:
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Currently, I pay {$470.00} a month for my car. I purchased the vehicle 2 years ago for my birthday on XXXX of XXXX. This past year has been particularly hard to make on time payments. My wife and I moved into a house and got married within 6 months. I had to pay at least {$4000.00} for the hotel expenses not including the wedding. On top of that Indiana took 6 months to give my wife her XXXX license, and has not been working for the last year. I have had to cover all of our expenses including help pay for my wedding. She had her first day of work XX/XX/XXXX. I have had 3 late payments over the last year. It will be entirely easy making on time payments with my wife 's additional income. I contacted Santander Consumer USA on Saturday 4 times. After giving my SSN, they would hang up on me. The 5th time, I asked to speak to a manager who then told me there was nothing he could do to remove the late payment remarks. I am also trying to start a business and having my credit up to par is crucial for a business loan.
Company Response:
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I was losing my job, I called the XXXX XXXX and told them I was losing my job they told me If I turned the car in it would not be on my credit. because it was a voluntary repossession the cars was in great shape. if you look on my credit I was never late, was on time .. but I new I could not afford the car
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Santander Consumer USA obtained a copy of my credit report on two occasions without my permission on XX/XX/2018 and XX/XX/2018. I did not authorize these inquiries.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I purchased a car from XXXX XXXX on XX/XX/XXXX. I chose a XXXX XXXX XXXX XXXX. We proceeded with the paperwork. My salesman got me an offer from a lender, Santander Consumer USA. I was to circle which option from the lender that I felt comfortable with, and sign the agreement ( which I did ). I chose {$1500.00} down, 60 months @ $ XXXX per month. I then proceeded to acquire auto insurance over the phone ( which I did ). After acquiring auto insurance ( and paying the 1st month premium ), The salesperson left the table. We proceeded to close the deal. The salesperson then told me and showed me an agreement that my monthly payment would be $ XXXX, down payment now changed to {$1900.00} and # of months changed from 60 to 72 months. I asked what happen to the $ XXXX per month and the other agreement options that i had first signed, he said he added a XXXX XXXX warranty of $ XXXX ( which I didnt ask for, and he added it without even discussing it with me ). I had him take it off, that brought it down to $ XXXX per month, still 72 months and {$1900.00} down. I then asked what happen to the $ XXXX, something else was taken off ; ( Im assuming that it was delivery fee, but the car was a trade-in, therefore it was not delivered so that fee was rake off ). I asked the salesperson what happen to the first agreement ( {$1500.00} down, 60 months @ $ XXXX per month ) The salesperson then left and came back and told me that the lender had changed its mind and now wanted {$1900.00} down ( previously {$1500.00} ), for 72 months ( previously 60 months ), at $ XXXX per month ( previously $ XXXX which is still about the same ). The changes came out to be an increase of over {$3400.00}. I reluctantly signed. Over the following weekend I got some advice that I might have been a victim of " iinterest markups '' scheme or " bait and switch '' scheme because I'm a female. I was told that I should submit a complaint to The Consumer Financial Protection Bureau but first try to rectify the issue with the dealership. I went to the dealership on Friday XX/XX/XXXX to try to resolve the matter but my resolution fell on deaf ears.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My father purchased a car for me back in XX/XX/XXXX/XX/XX/XXXX. We opened a car loan with Santander Consumer USA. My father died in XX/XX/XXXXXX/XX/XXXX and while putting my name on the car loan and removing his name, they marked us both as deceased. I now have no credit score through XXXX. I have tried filing disputes through the agencies and the information comes back as " in good standing and correct. '' I have tried calling Santander and after several months of them trying to un-archive my account, I was told my name and information had been deleted from their database. They did not fix their issue by marking me as " living '' but deleted me entirely. Now when I call, they can not locate me or my case. I can not get a loan, a credit card, basic utilities in my name due to this mess. I have contacted a lawyer who didn't want to touch the case. What do I do? Thank you! F.P
Company Response:
State: MT
Zip: 59102
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My expartner took a loan out with Santander online utilizing my records and I was under the impression that it was not me until one day that we had separated and they called me to collect the car payment and I directed them to his phone and advised them they had the incorrect information. At which point they were extremely rude and started to offend me and call me a liar and and deadbeat over the phone and that I needed to take care of my responsibilities. I have not been able to get ahold of either one of them since the day him and the car went missing. I have spoken to both Santander and the dealership the car was purchased from and I fear that they had an inside person in the dealership to approve such a transaction. I've tried to call and explain this to them several other times and now they are being nasty calling at all hours of the night and speaking about my information to people I associate with. I have hired an attorney which advised I file a formal complaint with all three credit bureaus because in accordance with the FDCPA they are violating my rights. I will be officially recording all conversation and documenting all calls moving forward as recommended by my attorney to file suit in this matter. Any assistance you can provide will be greatly appreciated. I have gained the support of both Of the other Bureaus to assist me in the matter if you can please reach out or would like to have my attorney contact please advise. We have submitted paperwork via certified mail for proof but calls and threats are becoming to frequent. Thank you again for your help in resolving this matter. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX FL, XXXX PS. That is my correct address not the other which they keep challenging and will not let you correct. If you can help with that as well I greatly appreciate.
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I am a XXXX year old college XXXX, worked three jobs to pay for a reliable car to get to work and school. I was working late and dealing with the homeless people on the bus and public transportation late at night. My car was repossessed three times after losing two jobs due to my school schedule by Santander Consumer USA, loan company. After the third repossession in XX/XX/XXXX, Santander Consumer USA loan company stated that I could not reinstate the car payments to get my car back ( my family in the past had helped me to get the car back from repossession ). While picking up my car after the first repossession, another person was there at the same time as I was to pick up his car and he stated that Santander Consumer USA had repossessed his car twice in less than two months. Therefore, since Santander Consumer USA stated that after the third repossession, I could not get the car back, the car was scheduled for auction according to Santander Consumer USA. I received a letter from Santander Consumer USA with the amount that I must pay after Santander 's letter stated that the car had been sold and a balance of approx. more than {$19000.00} is due on the XXXX car after the car was sold and which I paid approx. {$21000.00} in XXXX. Santander also mailed a letter stating they would take a settlement of approx. {$5700.00}, if I contact them before XX/XX/XXXX. The letter state that the settlement had possible tax impacts for myself. I need to know what the true balance after the sale of car by obtaining a copy of the Bill of Sale for the car and where did the auction of the car take place information from Santander Consumer USA. After several calls and failed attempts to get information about the auction sell amount and the auction place of the car, I wrote a letter in XX/XX/XXXX and XX/XX/XXXX after not receiving a response to my requests for information about the sell of the car to Santander Consumer USA. XXXX. XXXX XXXX XXXX XXXX, TX. XXXX ( XXXX ) XXXX-XXXX as below The following information was requested in a letter from myself. dated XX/XX/XXXX and sent to your office VIA CERTIFIED MAIL. As of today, XX/XX/XXXX, I have not received a response back from your office to my requests as stated in the letter from XXXX XXXX. This is in violation of the Fair Credit laws. Subject : Request for a Loan History, Request for a copy of the Sale of the Vehicle Documents and Request for Publicized Sale of the Vehicle Document This letter is a request for a loan history on the XXXX. XXXX XXXX ... .... ( Vehicle ) from XX/XX/XXXX through XX/XX/XXXX. This letter is also a request for you to mail me a copy of the auction sale documents indicating the price the vehicle was sold for at auction on XX/XX/XXXX. This letter is also, a request for you to provide to me a copy of the documents that advertised / publicized the vehicle for sale. I look forward to your response in writing for the following requests within the next 15 days from XX/XX/XXXX : 1. Request for a loan history for the vehicle 2. Request for a copy of the auction sale document indicating the sale price of the auctioned vehicle 3. Request for a copy of the publicized sale of the vehicle document Regards
Company Response:
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-01
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: My ex husband and I purchased a vehicle that was originally financed through XXXX XXXX XXXX in XXXX of XXXX - the loan on the vehicle was sold to SANTANDER CONSUMER USA in XXXX of XXXX. Our loan was paid on-time with no late payments for the duration of the loan and shows as such with both companies on my credit report. On XX/XX/XXXX of XXXX the vehicle was in an auto accident that resulted in the car being totaled out by our insurance company. The vehicle was deemed a total loss by the insurance company on XX/XX/XXXX. The insurance company, XXXX issued a payment to SANTANDER CONSUMER USA for in the amount of {$1900.00} on XX/XX/XXXX. Which covered the balance owed on the vehicle - the remaining {$8700.00} of the value of the vehicle was paid to us, which was used to purchase a new vehicle. SANTANDER CONSUMER USA reports this account on my credit report as being 30 days past due in XXXX of XXXX, 60 days late in XXXX of XXXX and 90 days late in XXXX of XXXX - long after they had received final payments from the insurance company for the balance on the loan in XXXX of XXXX. I have tried disputing this with all of the credit bureaus. SANTANDER CONSUMER USA refuses to fix this error and remove the erroneous late payment marks off of my credit report.
Company Response:
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2019-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I took out a loan with Santander Consumer USA in XX/XX/2013 for a used XXXX XXXX XXXX. The original loan amount was around {$12000.00}. My monthly payment is {$340.00}. I have been paying this loan for six years, totaling over {$18000.00} in payments made. Almost 100 % of my payments have gone to interest because the loan balance is still almost identical to the original amount taken out in XX/XX/2013. There has been less than {$1000.00} in reduction. My payments are never applied to the principal balance. When I fell behind on a few payments due to financial hardship, I asked repeatedly for deferments or to at least lower the monthly payment. None of my requests have been granted despite my best efforts to catch up on payments. I have repeatedly told them that I cant afford the back payments, I can only afford one payment per month and have asked for them to work with me by placing the two late payments on the back-end. The only solution they ever provide is for me to let them repossess the car even after I give them a {$340.00} monthly payment. Nothing makes a difference. I am always two to three months behind and always threatened for repossession if I dont catch up. They call me everyday and call my family. They have even contacted my sisters husband, without my permission. They continue to pocket 100 % of the payments, and they refuse to waive any of the fees they add every day. I have asked for a detailed breakdown of the fees and interests but I have never been given an explanation that makes sense. It seems that they are just stealing money from me at this point. Ive tried to sell the car by trading it in but it is impossible with a debt this high. The value of the car is only about {$3000.00} or less now. The situation is out of control and I have no way to resolve it myself.
Company Response:
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2019-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A