Date Received: 2019-03-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Account has been closed on my credit and I do not recognize
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-09
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: I have a loan with XXXX XXXX XXXX, XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response:
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX, I was contacted by " XXXX '' representing a 3rd part debt collection agency, representing Santander Bank, on a vehicle loan that originated in XX/XX/2007. He threatened to garnish my wages, proceed with legal action and notify my employer of my delinquency, The amount owed is {$3200.00}. This is the 8th call I have received TODAY this number and the 43rd call I have received in the past week, resulting in being harassed as well. When speaking with XXXX, he was extremely pushy with his suggestions to resolve the debt and would not take " no '' or options that I offered up for resolution. He got his manager involved and told me that I could lose everything if I didn't settle this today, offering to take 1/2 the payment today as long as the other half was paid in full by XX/XX/XXXX. This account DOES NOT show on my credit report as it was removed almost 5 years ago.
Company Response:
State: MO
Zip: 64804
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XX/XX/XXXX I got a car loan thru XXXX Santander, keep in mind the only loan that I was easily able to get.I was new to the car buying so I had no clue about interest rates blah blah.Anyways the first year and 2nd year in XXXX I was always on time every though every other day I was harassed with phone calls from Santander to pay a payment that was already paid.I started to struggle making payments when I just started to struggle a lot paying the loan.Its like every other day I was being told I owed them and didnt know why.So that cause me to start being late sometimes months.XX/XX/XXXX I paid over {$1800.00} I didnt even have which had me go homeless for awhile I just couldnt afford it.I went into a deep XXXX and was struggling all cause of this loan I couldnt pay my other bills on time.i found out they charged off my account thru my credit report.I called them and they told me I had to pay {$2300.00} to bring it back to current and stop the rep and I did! Once again.They called literally the next day again on XX/XX/XXXX saying I owed XXXX for XXXX and XX/XX/XXXX.Its just gotten to the point where this is unfair and I had to see what is going on with this.The price I financed the car for is what I owe on my credit.Which mean all this money that I been paying for this car since XX/XX/XXXX has gone to what?? Interest alone? Im just confuse, frustrated, struggling and feel XXXX! I need help cause Im stuck dealing with this car loan its XXXX and a nightmare to go thru! They lie and manipulate me into paying then after they get my money they call the next day saying I owe again when I just payed them!!! They are XXXX! And what there doing is unfair
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Why is it that I still owe whatever I had owe when you guys process the XXXX XXXX. EXAMPLE : : ; ; ; when SANTANDER reposesed the XXXX XXXX XXXX and after that in 5 days they where going to auction It Off and if it's so for XXXX or XXXX then I'll owe the remains witch would be XXXX ... Santander still and won't take it off my credit report they have it as write off I've been very patient and very crab rave and then even give me my daughters place card back are my other belongings so I had to go to the DMV and get her another placement card cuz they said it was going to be moved somewhere else within those FI 've days it's unfair that they did this me and they also says that I owe {$15000.00} on that car still when I have the paper where it says XXXX but I'm going to find it and I will upload it so that's why I think it's fair for them just to take it off because to report faulty claims on my credit report
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I did a volunteer repossession of a vehicle that I was to purchase around about XX/XX/XXXX. The company Santander Consumer USA sent a letter informing me that they were going to sell the vehicle as a private sale on or about XX/XX/XXXX. I decided to start getting my credit in order and saw that Santander Consumer USA reported me to all XXXX of the major Credit Bureau as owing {$15000.00}. I went into this loan agreement in XX/XX/XXXX for that amount. I sent notice to all 3 credit reporting agency and to Santander Consumer USA to have it removed from my credit report on XX/XX/XXXX. I was told by all 3 credit reporting agency that they verified that account belongs to me, and will not remove the derogatory remark. I after not receiving any response from Santander Consumer USA I sent a second letter on XX/XX/XXXX to all 3 credit reporting agency and Santander Consumer USA send me a copy of a contract bearing my signature and, I received nothing from Santander Consumer USA again. I received once again a letter from all 3 credit reporting agency stating this is my account. I then sent a third letter on XX/XX/XXXX giving them 15 days to send me proof of what Santander Consumer USA sent them to prove this is my account. I received nothing again. So, I sent a letter to Santander Consumer USA asking them to send me what they sent to the credit reporting agency, once again they failed to respond. I have tried my best to get this resolved but Santander Consumer USA refuses to speak or open a line of communication with me. My last and final attempt before contacting you was a letter sent to Santander Consumer USA on XX/XX/XXXX was to provide me proof of the sale and the amount once again no response. I see that on XX/XX/XXXX Santander Consumer USA charge-off my account then on XX/XX/XXXX the amount was {$11000.00} they continue to add the payment amount of {$420.00} each month unit they got to the amount of {$15000.00} my question how is that possible when you have already charged my account off?
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On the XXXX of XXXX I sent in a payment of {$5000.00} which you received but then was lost before it could be credited to my account. I was asked to send over the copy stubs of the money orders which I did. After many phone calls to your call center being given inaccurate information with nothing being done I was escalated to the US escalations department. Again after nothing was done following my many phone calls and my time being wasted I finally asked to speak to a manager, I was connected to one named XXXX XXXX. He was very rude and dismissive. It was disgusting the way he spoke and treated me. He looked for any way to shift responsibility to me. He asked for copies of the money orders. No one takes copies of money orders or checks that is what the stub is for. I informed him that I didn't have copies and it was a very unreasonable request. I was told it was too bad and there was nothing that could be done for me. I then received a email saying my problem had been resolved. It most certainly was not resolved. If this is how management acts I'm not surprised in the way I have been treated. Many thanks XXXX XXXX
Company Response:
State: OR
Zip: 97603
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
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: I paid off my car loan with XXXX XXXX XX/XX/XXXX it is now XX/XX/XXXX and it is still open on my credit report after numerous attempts of contacting contact XXXX XXXX and recieving many final statements that I also submitted it to the dispute resolution center with XXXX credit bureau. They have failed to remove this account from my credit report which has hindered my debt to income ratio for other lines of credit applications. I have disputed this issue with XXXX 3 times and every single time it comes back with no resolution. I paid everything in full and want this off my credit report as soon as possible.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-06
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: On XX/XX/XXXX at XXXX XXXX I contacted the corporate offices of Santander Consumer USA. I was about to pay off my vehicle but due to poor health and mismanagement accrued nearly {$1900.00} in late fees. I asked for any amount to be waived. The board of directors was gracious enough to waive {$500.00} within a few days. I called numerous times to thank them and even emailed them. I called and asked On numerous occasions during the month of XX/XX/XXXX is I had to pay the late fees and what would happen. All of the representatives I spoke stated that there was no regular payment required, I could pay them at a later time and that all that would happen would be is that they would keep my title until the late fees were paid. I also used the contact feature on their webpage to tell them not to charge me a late fee on a late fee. Santander was still showing that I had my regular car payment due even though I had paid all principal and interest. XX/XX/XXXX we received a bill for {$.00} which we paid. On XX/XX/XXXX I began to receive notices from XXXX XXXX that Santander was placing 30 day late notices on my credit report. I thought for sure it was an error because the car was paid off so I just disputed it. My credit rating dropped 70 points almost disqualifying me from a business loan I am trying to take out for a veteran owned business. A new 30 day late was posted on my credit. I called Santander and emailed and sent messages through XXXX wondering what they were doing. For days they strung me along saying they would get back to me. On XX/XX/XXXX at XXXX I was contacted by XXXX XXXX who began angling the conversation to the point that I was not told by the agents that I didn't have to keep paying my late fees like my regular payments ( which I was ), that it was my fault this was happening ( yes the late fees but not the hit on my credit ). XXXX brow beat me by asking the same questions over and over like the detectives I used to work with, trying to get a confession. I gave up and stated to her that I was getting a lawyer for Santander ruining my credit. I was sent an acceleration letter for {$0.00}. The letter stated that if I did not give them {$0.00}, they would accelerate my loan or repo my car. Now My XXXX score dropped 124 points in one day because they closed the account unexpectedly with a balance instead on reaching out. I took the money to pay them out of my life saving so they wouldn't continue to harm my credit.
Company Response:
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: During most of XX/XX/XXXX and XX/XX/XXXX, I would make my monthly loan payment and pay extra towards the principle amount of my loan. Santander Consumer Loans decided to take the additional money paid and put it into an Misc Fees and not apply it to my principle. It took months of phone calls, lies from representatives, and numerous arguments until I took my statements to my bank and called with a bank representative. It was not until then that my account was rectified. Now XX/XX/XXXX, the same issue is happening. I get told that " if I pay a day early, I get charged more interest '' or " we have no obligation to apply your payments they was you wish ''. I have a payment in XX/XX/XXXX with {$90.00} towards principle, XXXX towards interest, {$30.00} towards fee payment, and {$83.00} towards another fee payment. That's just the beginning of dealing this scam company. Please help. They truly need to be investigated.
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2019-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A