Date Received: 2019-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted this company through the credit bureaus multiple times to have this unverifiable account removed from my credit report. They are refusing to remove it NOR have they provided me with validation bearing my signature, DESPITE being contacted FOUR times between XX/XX/XXXX and XX/XX/XXXX. It needs to be removed immediately because its affecting my credit report in a negative manner.
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I sent payments via Bill Pay from XXXX XXXX XXXX to Santander Consumer USA. This was the wrong address. Because I chose the address as the payments should have been sent to Santander Bank. Because the error was mine XXXX denied reimbursement for the funds. Though XXXX and myself as well as my sister ( the intended recipient ) contacted Santander Consumer USA and Santander Bank the payments have never been returned to me. I have made numerous phone calls, including conference calls with XXXX and my sister, gone in person to Santander Bank and XXXX has contacted Santander to no avail. Santander Consumer USA confirms receipt of the payments but had no matching account number to apply them to because they were not loan payments. The payments were intended to go to my sister 's checking account with Santander bank. Rather than return the payments to me or forward them to Santander Bank, Santander Consumer USA in Texas kept them. We had spoken with XXXX and XXXX at XXXX among others. Please help me. I just want my {$250.00} back.
Company Response:
State: MA
Zip: 01880
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX this debt collector continues to call my place of employment after I told them ONLY contact me through writing after asking them to verify an validate this debt due to me not having any contact with in writing they first called my cellphone multiple times after I blocked them they somehow obtained my job number an have called it at least 3 occasions while I was there after I repeatedly told them not to as we are not allowed person calls An they continued to do leaving messages stating they needed to speak with me regarding a business matter
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2019-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX I purchased a white XXXX XXXX from XXXX XXXX XXXX XXXX XXXX. The vehicle was valued at {$15000.00} and adjusted to {$13000.00} as a price match to their online service. Prior to this transaction, I have no credit information due to being twenty and just leaving college. The car was financed upside through XXXX XXXX with a 20 % interest rate, with no GAP insurance applied. This totaled the balance at {$17000.00} as the estimated payoff, unknown to myself at the time. While working with the associate, there was no mention of this insurance protection from the automotive sales rep or XXXX XXXX. All paperwork for the vehicle was not done in my presence. As of XX/XX/XXXX, the car has been deemed total loss with no way to repair. Currently, XXXX XXXX has applied {$12000.00} as the value of the car and what they will pay, and XXXX XXXX XXXX XXXX XXXX canceled my contract of service for {$1400.00}. This will leave me with a XXXX XXXX dollar balance that I am currently unable to pay. I am unemployed and seeking to return to school. This process and inability to protect their consumer has led me into an upside down situation from the first day I walked away with the vehicle.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I share a Santander Consumer USA loan account with my wife and we made on time payments with the loan and then we decided to refinance with a different bank. The problem for XXXX has been corrected on my wife 's XXXX credit report with one credit bureau, but not for XXXX. On my XXXX credit report for the first month, XX/XX/2018 Santander is saying they " can not find our payment '' in their system. I showed bank statements proving that we made the payment. They will not report paid or current. For the payment in XX/XX/2018 we did not make the payment but the refinancing was completed and paid in full before 30 days late. On my credit report before the dispute it showed XXXX was 30 days late and XXXX was closed. Now after the dispute it shows XXXX and XXXX both 30 days late and Closed in XXXX. That is completely incorrect because it was paid in full in XX/XX/2018.
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I was not properly informed of how their daily apr. Charge works and how it can affect me Santander USA and the XXXX car dealer gave me a loan of XXXX XXXX for a car that cost XXXX when my income was only XXXX a year I want to see the original contract and credit check documents they provided to get me qualified for this loan I've been paying for over 2 years {$660.00} and yet still owe them {$26000.00} how is this possible it's a disgrace to our country this has to stop .I want to see all original documents of initial loan process that shows my income and salary for which i qualified for a loan of this stature.
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My vehicle was involved in a total loss accident on XX/XX/XXXX. The responsible parties insurance company sent my lien holder Santander a letter of guarantee request with copy of the valuation report. They agreed to stated amount and provided them with the title after payment. I followed up with my GAP insurance provider to initiate a claim to assist with the remaining balance payment. I was later advised that there was severl items missing from the valuation checklist which showed the vehicle price as {$2300.00} less than what it was worth. Further omitting the Gap insurance claim. After going back and forth with the insurance company and Santander for 6 months ( as the lien holder took no action in this matter ; I spoke with an insurance representative who advised on XX/XX/XXXX that she was sending a supplement request to the insurance company due to missed options. I followed up with Santander on XX/XX/XXXX who advised that they hadn't received anything from the insurance company and I was responsible for the amount due. I partnered with the insurance provider who advised that the lien holder accepted their settlement/provided the title and their claim is closed. I reached out to Santander for assistance with correcting this mistake ; to no avail. My credit has since been impacted as the account was charged off ( the very same day that the insurance company sent over the supplement request ). The collections activity should have stopped as soon as they identified that the balance was incorrect. I requested to settle the amount minus the interest/late charge and amount due from the insurance which was declined. My ask is that the company due their due diligence and correct the balance due from the insurance company as well as remove any negative remarks from my credit.
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-10
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: My name is XXXX XXXX and my issue is with Santander Consumer USA in approving a loan I never applied for through XXXX XXXX. It all started when XXXX XXXX ask me to stand guarantor for 4 months as instructed by XXXX XXXX to secure a vehicle he wanted to purchase. I don't have a drivers license, I don't have a stable job, I don't have a vehicle or any asset so how was I able to acquire this loan. It was all lies perpetrated by XXXX XXXX salesman and finance manager in order to get a check. I accompany XXXX XXXX on the XXXX XXXX to XXXX XXXX just to sign as Guarantor for 4 months and was told that my name will be nowhere on the title or registration, the place was very busy and I couldnt wait so XXXX the saleman brought me some documents which was highlighted to sign with no information on it, I signed along with XXXX XXXX the documents because XXXX seems very sincere and know what he was doing but now I know different, he was very deceptive. That was the end of my involvement in this transaction. To my surprise, XXXX XXXX called me frantic one day in XX/XX/XXXX to tell me that he hasn't received and documents from XXXX XXXX and when he called santander bank his name is nowhere in their system. we try calling XXXX the saleman and he never answer. So we called Santander Consumer USA and when put in my information at the prompt and the vehicle loan came up in my name. we spoke several time to different managers at Santander that this was a mistake and the vehicle does not belong to me and that I cant afford the loan but they said there is nothing we can do, we need to reach out to XXXX XXXX in which we did but they were rude and obnoxious and refuse to see us and settle the issue because they knew what they did and they already got paid. All I want is for my name to come off this transaction because that's not what I signed for. XXXX XXXX is the sole owner of this vehicle, he was the one that initiate this transaction, collect the vehicle, its in his possession and he has the resources to pay for the loan. I dont want this to affect my credit in anyway so please help me to resolve this matter as soon as possible. thank you
Company Response:
State: NY
Zip: 11433
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have explained to the representative for the company that I am aware that I owe this debt and I will be paying $ XXXX monthly to get this debt paid off. I am currently behind so they continue to call me multiple times a day ( generally 4-5 times a day ) Monday - Sunday. They call me while I am at work and I work for a XXXX and I am often in meetings, they call me while I am at church. I have paid this debt down some and I'm currently paying slightly more that the monthly payment to get it paid off. I have asked them not to call me everyday but I was told they could not control that. I was also told they needed the exact day I would send the payment. The exact date will change because I get paid bi-weekly. Our checks are automatically deposited. Recently, I was 2 days late sending it because our financial director had to leave due to a family emergency so I didn't get my pay as scheduled. Therefore, I was 2 days late sending the payment. This is why I prefer to send it monthly. This is a debt from a car that was totaled. I have paid over 12,000 on this debt and owe XXXX. I don't mind if they call me once or twice a month ( if I miss a payment ) but calling me everyday, 4-6 times a day is excessive. I was going to apply for a loan but the past due is on my credit and has hurt my credit so I am trying to pay this as I go.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: In XXXX of XXXX, I bought a used car with the lender called XXXX XXXX and paid my car note on time on the 3rd of every month. On XX/XX/XXXX of XXXX, I bought a brand new XXXX XXXX. The salesman at XXXX told me not to pay my car note to XXXX XXXX because since I was trading my old car in, XXXX XXXX would be buying out my previous lender. XXXX XXXX continued to call me so I spoke with someone and explained that I traded in the vehicle. They told me that they didnt receive word of anything and that I needed to contact XXXX. I called XXXX and they assured me that everything was fine. I then noticed on my credit report that my XXXX XXXX account had finally been closed on XX/XX/XXXX of XXXX with a 30 day late delinquency, which dropped my score 40 points. I have never been late a payment and they stated that my late payment was the month I didnt own the car. I disputed this twice with transunion, only to be told that it was accurate. I then called XXXX XXXX myself and was told that what I was supposed to do, was pay for the car I no longer had until the account was closed. I had no knowledge of this even after speaking with someone prior from the company. They told me that they had trouble calling my cell phone. I have an email address and a physical address with the company so I dont understand why phone was the only way they tried to contact me. I was never told that I had to keep paying even if I didnt have the car. I never had a late payment so why would I pay late the very last month?
Company Response:
State: LA
Zip: 70001
Submitted Via: Web
Date Sent: 2019-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A