Date Received: 2019-03-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Due date every month is XXXX. Company has one time of the loan you can change the date. I changed the date on the XXXX in the morning to the XXXX and they sent the charge anyway. I did this on the website. 1. The biggest problem with this is there was no confirmation email sent saying there was a change. Any change on an account should always have confirmation sent either by email or by mail if any change is made. At the same time on the website, I took off my auto payment information. The payment information was still charged. 2. The biggest problem with this is there was no confirmation email sent saying any change was made on the account either by email or by mail. I have the account setup by email so I should have received something. I called on XX/XX/19 and spoke to a representative named XXXX who said it was still setup on autopayment and that taking it off of auto payment on the website does not cancel autopayment. She also stated that changing the due date does not cancel the payment and that a phone call is required to make both changes. In other words the website makes no changes. The Consumer is not protected at all. The company is overprotected. There is no governing laws being applied to this company to protect the consumer in any way. When I called on the XXXX, I asked the rep if I could move the payment to a little further out since it had only been 3 days. She said no. I asked for email confirmations to be sent to me in regards to the changes I made on the XX/XX/19 date and the rep said no. The rep stated that it is clear when you make the changes that it is a one time opportunity to make a change on the date. I asked the rep if there is anything she could do to assist me. She asked what I would like her to do for me.
Company Response:
State: OK
Zip: 73107
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize XXXX XXXX to review my credit report. I have a extend fraud alert on my credit reports. XXXX XXXX did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize SANTANDER CONSUMER USA to review my credit report. I have a extend fraud alert on my credit reports. SANTANDER CONSUMER USA did not contract me on the phone number listed of the report before checking my credit. I reached out to them by way of phone, email and US mail requesting they provide competent evidence that bare my signature that I gave them permission to check my credit reports. If the can not to take the necessary steps to remove it from my XXXX, XXXX XXXX and XXXX reports. More than a reasonable period of time ( 90 days ) has passed without providing me with proof I authorized them to review my report. They have also failed to remove the inquiry from my report.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
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: XXXX and XXXX credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of Santander XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?
Company Response:
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I purchased an XXXX XXXX XXXX XXXX from XXXX on XX/XX/2018. The first day I purchased the car upon leaving the dealership I noticed that the entire driver side of the car was kinda of shiny with a different colored paint. As i went to inspect the car more in detail ; I rubbed my hand across that area and it hard very rough and hard. I informed XXXX of my issue. I had to leave the car with them about an additional week before receiving it back from repairs. About 1 month late around XX/XX/2018 I had to take my car in the shop again due to engine and service issues. This was repaired per the XXXX XXXX, but I was responsible for the deductible. The car was having issues with the engine and broke down on me. In XX/XX/XXXX I had to place my car in the shop again due to similar issues, and also something with the electric components in the car causing my headlight to go out. Again, I had to pay out of pocket to get that fixed ; minus the Careplan coverage. My car went back into the shop again in XX/XX/XXXX due to more service issues. After this repair I was pretty much done with the car and the deal. I contacted XXXX and numerous occasions regarding the issues I was experiencing with my car. I left over 7 messages for the General Manager of the location. I refused to keep paying for a car that had continuously given me problems from the time of purchased. I made several attempts to surrender the car back to XXXX and cancel the loan. I contacted their corporate office ; who in turn refused to help me. I surrendered the car to the bank due to refusing to make payments for a car that did not work. I feel how i was treated was unjust and that XXXX failed to deliver on their promise of providing great service. I would like for XXXX to cancel out my loan with Santander bank and cover the charges of my repossession due to the car having significant issues within a short period of time.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I had called the company that I did not sign for a car and they told me that yes in 2015 I said no I dnt even drive I go in the bus every day all they said is that no u owe this ... ..so I am writing to dispute these collections account. Under the laws of FDCPA and under the advice of my attorney, I have already sent them a dispute to the agency requesting validation of the debt with no response, asking them to validating my debts, and the receipts showing that I send these letter certified signature requests. These debt are not mine and I was given no evidence of my obligation to pay this debt to this collection agencies.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been talking to this company on the phone regarding late payments, I have been corresponding with them every 2 weeks. I have even asked them if it was possible to lower my monthly payments which was promised to me from the actual dealership that i could get cheaper monthly payments after paying the car for 6 months ( which was supposed be a lease ), when we returned to the dealer to refinance they checked my credit 5 times and denied the option. They have threatened to repossess my car two times, and asked for a repo fee both times in order not to repossess my car, which amounted to about {$400.00}. I called the finance company trying to work with them and even spoke to a women ( who wouldn't give me her name ) who made a payment plan with me, she told me to make a payment of {$200.00} on XX/XX/2019, then after that we agreed I would make another payment of {$180.00} on XX/XX/2019, that was to be an automatic payment but i woke up to check my email and turns out they ended up taking out {$400.00}. When i called this morning XX/XX/2019 to ask why this was done the woman that i spoke to said that there was never a payment plan in place and that the agreement we made on XX/XX/2019, was never true. We try our best to make the payments we agreed to and after we make a payment they harass us by calling and demanding more money, They promise to help if we make the next payment and when we do they said they can't help. Also, my credit is being check frequently, without my knowledge, further lowering my score. My car cost XXXX, the interest is 23 %, after 2 years of payments ( over {$9000.00} ) we still owe {$13000.00}.
Company Response:
State: CA
Zip: 90810
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: XX/XX/XXXX purchased vehicle advised 14 % interest due to medical billing ( XXXX treatments ) on credit report, payments at {$660.00}, maintained payments, was granted a reduction in payments but they added time to agreement. Filed chapter XXXX XX/XX/XXXX, Santander closed my online account and refused to provide my account statements or access to my online account. Due dates changed I called in to make payments amounts went up, company reps advised that they wouldn't supply any correspondence since I filed chapter XXXX, would laugh and tell me that I would have to pay amounts they directed requested bankruptcy department, disconnected or told my account wasn't available. Paper statements and account ceased, payments went from {$660.00} to over {$700.00}, told that it was late fees as due date was now XXXX ( each call it changed ). At risk of losing home to foreclosure due to amount of vehicle payments. Other vehicle was totaled in an accident so this vehicle was reliable transportation need help to reduce payments and interest have paid for vehicle {$26000.00}, tried to, process settlement arrangements please assist. Thank you for your time and consideration
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been dealing with an issue between Chrysler capital and XXXX XXXX. Going back and forth since XX/XX/XXXX. My Chrysler capital account dropped XXXX points the day one of the parties closed my account in error. XXXX XXXX is Chrysler and visa versa. The should handle instead of placing blame elsewhere. My Chrysler account is opened and current. Im at my wits end with these two companys. So I want to do a formal complaint. As I am so stressed over this. Tired of the arguments. Just called Chrysler and of course they have to contact another team to see whats going on. XXXX XXXX.can you please help me with this on going issue. Sent from my XXXX
Company Response:
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A