Date Received: 2019-04-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander Consumer USA continues to report a closed tradeline past the FCRA reporting period. I've asked XXXX, XXXX and XXXX to remove this tradeline and have not been successful. The tradeline contains several 30, 60 day late payments and still negatively impacts my ability to get a good loan rate. This tradeline was with my ex and needs to be removed as it was opened/closed in late 2010.
Company Response:
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2019-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
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 : Santander Consumer UsaXX/XX/2018 Please investigate to ensure there is no fraudulent activity
Company Response:
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-16
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Hello, I have had a loan now for 6 years with XXXX XXXX. Purchased a used XXXX XXXX on XX/XX/XXXX. My credit was not perfect at the time, with an end goal to raise it as quickly as possible as Im a single mom. Numerous times, including today I have tried to resolve an ongoing issue with my balance expected and what Ive paid to this day XX/XX/XXXX. Total cash purchase price was XXXX, with a lease trade in. Paying now for 6 years @ $ XXXX/month would bring it to XXXX paid. XXXX XXXX is telling me my pay off is still {$15000.00}. Im looking for answers.
Company Response:
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2019-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-15
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: XX/XX/XXXX, traded old car in for another with same lender. Dealership sent payoff check and instead of applying the funds for the payoff, as stated specifically on the check, instead it was posted as a payment towards my new loan amount. After almost a month of fighting with them about it having to be me only that could send documents, being a copy of the check the Dealership sent them, it was finally applied to the payoff of the old loan and closed. Before they fixed the error, expecting to need an attorney to fix the issue, I was informed this kind of situation falls under bank fraud for having cashed the check specified for other use Only for another purpose period. Their representatives response to this first negligible act, " it was an Honest Mistake. '' Prior to that issue being rectified, I paid the normal monthly amount owed, which was applied for XXXX. No statement or heads up were given as to what would happen when the funds were finalized correctly that I would owe in lieu for XXXX for their XXXX up. As well as having set up for auto draft having been less than 7 days from the due date of my account that it wouldn't take affect for that month which would had been for XXXX. Therefore causing me to miss XXXX 's payment. Mail comes stating the vehicle is due for repossession within 2 weeks of receiving in XXXX. When I called about this issue to them, I was in the end offered a few days extension for payment for the last 2 months of nonpayment. Upon calling to pay the amount after that call 4-5 days later, i asked exactly the amount of interest that would be taken from the large payment i was about to make. After being on hold for a good 5 mins, i was informed from the representative it would only be {$150.00} taken out. I made sure to ask again if he was sure that was the amount and he Assured me that it was and if not, only a couple dollars difference if more was to be taken. I checked my account today to see that my payment made was {$1000.00} and only {$36.00} and some change was applied on the principal and over 1k on interest! My credit score now also shows the day after I made this large payment I am in collections and past due by 30 days. The statement I pull up states I am only 9 days past due, but then tells me the amount shown ooooh includes next months amount in bill that is due in full by XX/XX/XXXX when the date on the statement 's date is from this month, XX/XX/XXXX. ILLEGAL acts all around and your company states when you call that ALL calls ARE RECORDED. Which will be great for my attorney should I still need him after this attempt to rectify the ignorance yet again.
Company Response:
State: OR
Zip: 97420
Submitted Via: Web
Date Sent: 2019-04-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: SANTANDER USA WAS REPORTING MY AUTO LOAN TO ALL BUREAUS, BUT WERE DELETED FROM XXXX AND XXXX IN ERROR.
Company Response:
State: AR
Zip: 72712
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: my vehicle was improperly repossessed. Before the vehicle was repossessed, I made a payment and the rep asked me when i would be able to make another payment. I told her the date and she documented it and state my name WOULD NOT be on the repo list as long as i pay that amount. the car was later sold, but I was not made aware of how much it actually sold for. About two months ago, i checked my credit and it showed {$4800.00} as the remainder. I called and was told i could pay half to settle which was {$2000.00}. I paid that amount but {$4800.00} is still showing on my credit score. This is hindering me from obtaining a new car.
Company Response:
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2019-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-13
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: I leased a vehicle in XXXX and recently moved to XXXX. I returned the vehicle early to a dealership in XXXX. I was advised by a XXXX dealership that I could return the car and pay the remainder of the loan off and the disposition fee. I then received a bill for the entire buy out of the vehicle. I called and XXXX XXXX told me I broke my lease and that they sold my vehicle at auction. I satisfied my lease payments and the are still trying to charge me $ XXXX for the vehicle. I should be protected by the state of XXXX because thats where my contract was signed. XXXX XXXX called me 2 weeks ago and said it was resolved and they where pending processing on their ends. They then called back and said no they decided its not resolved and that will not overturn it and that I will still owe the money. They refuse to give me any documentation and when I asked they told me I need a subpoena. I have paid all the lease payments, they have my vehicle, and they are now going back on their decision to resolve it. Since the contract was bound in XXXX I should only be responsible for the disposition fee as I have satisfied my contract. According to the XXXX Attorney General website I should only have to pay the disposition fee.
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2019-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: XXXX XXXX XXXX re-age my account after I sent in my dispute forms. Which is a violation. I feel like that isnt right. Even the creditor re-age theres as well, Santander Consumers. I have pictures to show you
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2019-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander Consumer USA account is reporting a charged off collection account and a late payment status. This is erroneous information, account was never late and never went to collections. The account was awaiting payment from XXXX and XXXX from a total loss. Santander was paid via settlement by me for the remaining balance on XX/XX/XXXX. Santander stated that they would remove account from all 3 credit bureaus file, once settlement was received. On XX/XX/XXXX, I spoke with XXXX, from escalated accounts and he stated it would take up to 30 days for the removal and credit files to be updated. He also informed that a letter of settlement would be sent stating account was paid and removed. As of XX/XX/XXXX, no letter. However, I did receive a 1099-C ( cancellation of debt ) for tax purposes. Once settled and receipt of cancellation of debt account should have been removed. Santander has refused to remove status of late payment and sent to collections. Again neither of those 2 referenced things applied to my account. I have reached out on several occasions, with no relief. Santander has been unrelenting through this whole ordeal. They have been nasty and rude. No one should experience the agony they have put me through. They are predators. This company needs to be put out of business for their unfair and unjust practices!
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2019-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-12
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: When my loan was first created I had to contact them about information that didnt add up. Mainly my APR rate. My loan paperwork that originally signed gave me a rate of 11.9 however after having it calculated numerous times it is actually at 12.34 percent. What made me catch in to this is that when I bought the from XXXX XXXX XXXX they lied about my credit score to help boost my APR in the first place. When I called them to try to straighten the issue out, they kept asking me if I wanted them to pick up the vehicle that the loan was for. I explained that I have made all my payments and I would like my issue fixed. There idea of a resolution was to take my car and default on the loan. This happened one month after receiving the loan, date was XX/XX/XXXX. They are also missing multiple payments in my statements for the first few mo tha of my payments to help them better cover up my actual interest rate. I have called and asked for all documentation at the same time of XX/XX/XXXX, which they refused to give me stating that it was all inside my account online. Which it is not.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2019-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A