Date Received: 2019-04-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have sent SANTANDER and XXXX both multiple letters of verification. I've requested both SANTANDER and XXXX to verify this account. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681i ( a ) ) for an entity to report inaccurate or unverifiable information on your credit report. I am writing to request the method of verification. I am requesting documentation that provides clear evidence that this account belongs to me. Actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; '' If they cant provide proof, this account must be deleted. I want these accounts deleted if they are not 100 percent right and correct. Please investigate the following account and remove it if anything is missing or not correct on it.
Company Response:
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2019-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-20
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: On or about XX/XX/2018 I went to XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX GA because I needed a car to get to work. I saw a XXXX XXXX XXXX XXXX and decided to purchase it. The deal was for {$17000.00} and my interest rate came out to 18.32 %. I was confused as to why my rate was this high but was told that it was because of a recent bankruptcy filing. I decided to let things be and move forward with my life because I am suffering from a XXXX. Over the last 12 months I was repeatedly told by a credit monitoring agency that I was overpaying and that the interest rate is too high for my credit score.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2019-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I could not get the service department of the Santander Consumer USA company to validate my correct date of birth, so I could log into their online service, nor would they amend the inaccurate loan reporting to the three consumer credit agencies ; XXXX, XXXX, and XXXX, so I sent a payoff on XX/XX/2019 through my XXXX XXXX brokerage money market account. I have tried to talk to their agents on the phone as they do not have an email address. I am faxing the complaint tonight and mailing a letter stating the payoff was sent for {$32000.00} wired to my Santander Consumer USA, INC account # XXXX. That I want the lien released on the title and sent to me at my address where they mail my monthly bills. The payoff was over paid by more than {$1500.00} by my XXXX XXXX agent who not only spelled the name of the lien holder wrong but also intentionally overpaid because he sent the payoff a month after I requested, because he said there was a hold on the account he told me would be liquid funds and available immediately, and then he had no idea his agency wired the funds XX/XX/XXXX. The customer service department at Santander Consumer USA will not acknowledge that the payoff was applied on the date of the wire, XX/XX/2019, nor will they acknowledge they are sending the title to my address on file,XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , Co XXXX. After rudley disconnecting my call three different times they put me on a 20 minute hold for a uspervisor who also hung up the minute I said hello. The agent at did reach and speak with at Santander Consumer USA insisted they would send the title to XXXX XXXX ; not telling to whom or what address.!!! No Im trying to reach the XXXX XXXX XXXX named XXXX XXXX, whom had the wire sent from my account at XXXX XXXX to help me resolve this huge mess. I have completed a prior payoff and title request with the original loan paperwork which had this address and my fathers address as a mailing address from the auto dealer named XXXX XXXX XXXX XXXX on XXXX in XXXX Colorado. Additionally, the agent at Santander Consumer USA refused to send the title to me, as they have never corrected my date of birth nor acknowledged my drivers license, I sent from the dealership input my date of birth incorrectly at point of sale at XXXX XXXX XXXX In XXXX, Colorado. Also, I have been falsely reported to the three credit bureaus for late payments when I have not missed any and I have been forced placed into 3rd party service contracts and auto warranties from both Santander and XXXX XXXX XXXX in XXXX Colorado.
Company Response:
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2019-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I attempted to call again to make the payment by phone and your representative was rude once again. I am including this {$4000.00} payment to you and demand the lien to be released on my vehicle and the credit reporting agencies to be updated immediately. You fraudulently mislead me into the transaction of the vehicle to begin with, then after numerous attempts to notify you of issues with the CFPB that have went unanswered you offer a settlement agreement which after making payments you state is going toward the balance of the account instead of to pay it in full. Under Missouri Law that has been a breach of agreement on your companies behalf, I have suffered losses due to the fact I have had to keep the vehicle longer and now the car is not even worth {$7500.00} with the condition it is in. I am making this payment to get this off my credit report because your actions are inflicting financial harm against me and trying to talk to Chrysler about it is not resolving all issues. Mail me my lien release and notify the credit bureaus immediately. Also you should be aware I plan to file a civil lawsuit in the western federal district court against your company under the Missouri Breach of Contract. This is not what we agreed to and this payment is being made under duress, because unless I comply and do what you say which is unfavorable to me my credit will be further harmed. So here is your payment, just please note is will be followed by a {$75000.00} lawsuit request. ( Cashiers Check is only attached to receive lien release and clear credit report so my score is not continually brung down while we go through the upcoming lawsuit I will be filing that will take additional time. I have complied, but you have not. Your phone rep was also attempting to charge me more then the {$7500.00} in extra fees which is another breach of the agreement.
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander was my first auto loan distributor and when I got a car through XXXX XXXX, Santander was paid the remaining of my balance I owed in full. On my credit report Santander still shows up as a potential negative inquiry and I thought Santander would be deleted from my credit history once they were paid off.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no knowledge of the following inquiry : XXXX XXXXXX/XX/2018 Please investigate to ensure there is no fraudulent activity
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: I seen a vehicle I wanted on the website of XXXX of XXXX. I viewed the vehicle and processed the finance papers online. I was contacted by them and advised that I had been preapproved for a loan in the amount of XXXX dollars. I scheduled a appointment to come in. After driving over 250 miles from XXXX NY to XXXX XXXX NY to the dealership I thought I was going to sign some paperwork and get my vehicle. To my surprise upon arrival i was advised by the salesman XXXX XXXX that I needed to fill out a application for financing. I advised him of my preapproval and showed them my conformational email they sent me. He said if I wanted the vehicle I would have to fill out the application. I did so asked after they did the second credit check and having me sign the papers to trade in my vehicle they then brought me out a contract the that doubled the price of the XXXX truck I was trying to purchase. I did get the new truck but I left there feeling very upset. They not only changed the original loan agreement I was preapproved for they waited until I signed the papers to trade in my vehicle and to do this. Then when I advised them I didn't want the vehicle I was told by the salesman XXXX that it would appear on my credit as a repo. I felt pressured to keep this truck although i am very unhappy with their practices.
Company Response:
State: NY
Zip: 13502
Submitted Via: Web
Date Sent: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander consumer agree to deleted from my 3 report is still coming out should be deleted completed
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-18
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: My question is ; after paying on an auto loan for two and a half years, why is my loan payoff more than the original loan? When I asked XXXX XXXX that question they treated me like I was stupid and said something about the interest compounding daily, I do not understand, but something is definitely wrong when you pay a car payment for two pulse yeas and you owe more on the payoff than the original loan. Please explain! As of today, XX/XX/XXXX, the payoff on my car is {$23000.00} Original loan, XX/XX/XXXX was {$21000.00}
Company Response:
State: AR
Zip: 72704
Submitted Via: Web
Date Sent: 2019-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-17
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: On XX/XX/2019 I mailed a cashier 's check. # XXXX for {$19000.00} to XXXX XXXX, overnighted by XXXX. I received a call from a XXXX XXXX representative on XX/XX/XXXX stating they received the cashier 's check ; however, I had an additional {$550.00} in property taxes that needed to be paid ( which was totally unexpected ) but I paid online through my Michigan XXXX XXXX XXXX bank account the same day. Now after this payment they said that I would have to wait up to 15 days to receive my title in the mail. Well that date would've been XX/XX/XXXX. Yesterday I received a call from XXXX XXXX and the representative asked had I decided what I wanted to do about the vehicle? Did I want to turn in the lease or did I want to purchase vehicle? Needless to say, I was flabbergasted. I told her I had already purchased the vehicle. Then asked her does she not see the funds on my account? She indicated seeing the {$550.00} for property taxes posted but she did not see the cashier 's check payment of {$19000.00} posted to my account. So after going back and forth with her I hung up and called my bank. Michigan XXXX sent me over a document proving that the cashier 's check had been reconciled as of XX/XX/XXXX. So I called back, spoke to a finance supervisor and told her that I have been given a copy of the endorsed check by my bank noting it was cashed XX/XX/XXXX. She said that I should fax it over and they'll try to find the monies. I did that. Well then they said they had posted it to the wrong account and now they're going to correct the matter. But since payment is going to post after XX/XX/XXXX now I have an additional {$21.00} to pay.? XXXX $! Grudgently, I went online to pay that. Today, XX/XX/XXXX they're saying it still hasn't posted to the account. Once payment posts to the account then 5 to 7 business days after they can close the account. Once account has been closed then wait up to 15 days to receive my title in the mail. Nothing else I could do about it but wait. I have a problem that wait. I have a problem with the fact that I had to pay the extra {$21.00}. I have a problem with the unexpected required payment of {$550.00} in property taxes. I have a problem with them mishandling my {$19000.00}. I only have one account so how was it even applied to another account if not one of mine. The finance supervisor insisted no way to get immediate assistance and there's no one I can talk to in the accounting department. Which is the dept that is now going to finalize my account but won't handle it expediently. So this is my complaint and it's outrageous, unprofessional and unacceptable. What can I do about this? I need to have my issue resolved. Someone should be able to help. Pay, wait, pay, wait, pay, wait and wait some more is not working for me. I have other business pending that I can't move forward with until I get the lien release from XXXX XXXX. Please help me!!!
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A