Date Received: 2019-02-11
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XXXX XXXX 2018XXXX XXXX XXXX 2018.IN XX/XX/ 2018 I FILED A CHAPTER XXXX BANKRUPTCY. THE JEEEP WASNOTINCLUDED. IT IS FINANCED THRU XXXX XXXX. THEY ARE NOT REPORTING MY POSITIVE ON TIME PAYMENTS TO THE CREDIT BUREAUSTO RAISE MY CREDIT SCORE.
Company Response:
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Santander is reporting a debt on my credit file that is not mine! Also, it is past the statute of limitation in New Mexico.
Company Response:
State: NM
Zip: 874XX
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-09
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I am one of he consumers that was convinced to use he Temporary Reduction in Payment Plan ( TRIPP ) and should be part of he restitution yet when i call I keep getting transferred to CS in another country and they sate i am not due anything and that my account is closed and refuses to transfer me to an american operator. he same car also had gap coverage that was totaled and i had to pay ~3000 since the gap did not pay the loan off. These were all part of the settlement Santander should be refunding to customers but sem to be making it difficul for us to recover.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2019-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX stopped sending me a bill because I had a phone conversation in XX/XX/XXXX where I asked them to stop contacting me. I meant stop calling me. They considered it a cease and desist. I run a business and bought another car around the same time. I had the same amount of payments so I never noticed I wasn't paying for my XXXX XXXX. It wasn't until we got an account somewhere that they told me I had the van charged off on my credit, that I became aware of any of this on XX/XX/XXXX and at that time I XXXX XXXX the back pay and fees in 2 payments for XX/XX/XXXX thru XX/XX/XXXX. I then began paying online and on time. I then called them and asked them to take the charge off, off of my credit report they stated they would not and that it would be on my credit for 7 to 10 years. I then got an attorney to ask them to remove this on XXXX XXXX as we are current and they denied this as well. I have proof that the van is current and we are paying however it is still on my credit as a charge off. I would like to get this removed by XXXX XXXX. But as of to this date they are unwilling to do so.
Company Response:
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX I purchased a car Santander and was charged of showing a date of last activity of XX/XX/XXXX with Santander. The loan was sold to XXXX and later sold to XXXX XXXX XXXX. In XXXX I noticed the account still showing on my credit report with Santander with a date of last activity of XX/XX/XXXX and I disputed the account with XXXX XXXX XXXX after I noticed that it was still on my credit report after the seven 7 reporting statue. I would like for you to send me a printing of all the payments made to this account along with copies of the contract and proof of the date of last activity of XX/XX/XXXX if it was a payment or credit to the account. I have attached the two credit reports one showing the Santander account and the other one showing it removed after I disputed it wtih XXXX XXXX XXXX.
Company Response:
State: TX
Zip: 78040
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I just began this lease with XXXX XXXX. My 1st payment with XXXX XXXX was due XX/XX/XXXX. I went onto their website on XX/XX/XXXX and processed my payment, however, on my bank statement it came up as being withdrawn twice. Once on XXXX XXXX for {$460.00} and once on XXXX XXXX for {$460.00}, not sure why one is {$3.00} more. I called on XXXX to get the {$460.00} returned to me. They told me to fax my bank statement ( attached ) showing the payments cleared to their account servicing department. I have faxed this information 3 times since Tuesday and they are still claiming as of this morning they have not received it ( I have the fax confirmations for all 3 if needed ). I had an initial problem with faxing anyway since it's not secure and I'm sending my bank account information over an unsecure communication method. Plus, they are lucky I'm in a position to have the extra money in my account. If I was living paycheck to paycheck like many I would be left with nothing. I want the payment of {$460.00} returned immediately!!!! This was my 1st payment with this company ... my 1st experience and this is what I'm dealing with. I want my money back now!
Company Response:
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently received a copy of my XXXX, XXXX, and XXXX credit report. The credit report showed a credit inquiry by the company that I do not recall authorizing. I understand that they shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file. I have sent a letter certified mail because I need a prompt response to this issue and I requested that the company forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. The company redirected me back to CFPB.
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. The selling price to me was {$20000.00} before extras. I found out later that the msrp was {$15000.00}, {$4900.00} less. I had a good job but, poor credit. The only lender that they offered me was Santander. I put down {$3000.00}. The total sale price was {$40000.00}. They financed the balance over six years, 72 months at 18 %. My monthly payment is {$510.00}. Along the way I was forced to defer a few payments. Santander told me they would add them on the back end. Not counting the three or four payments I was told would be on the back end, My XXXX should have been paid off XX/XX/XXXX. Santander says that I still owe over {$12000.00}. That is more than the car is worth, after making payments for over six years. I no longer have my good job. I hurt my back and now live on XXXX. My wife died last year so I only have the one income. I can not keep making payments for another two years. should not have to. I feel I was taken advantage of, and treated un fairly. I spoke to the dealership, they could not help, and told me Santander was their parent company. I also contacted Santander. No help. I still have the car and, my payments are current.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: MY NAME IS XXXX XXXX XXXX I AM A VICTIM OF FRAUD IVE REACHED OUT TO THE CREDITORS AND INFORMED THEM THAT THESE ACCOUNTS WERE OBTAINED FRAUDULENTLY. LIST OF FRAUDULENT ACCOUNTS 1 ) SANTANDER CONSUMER USA 2 ) XXXX
Company Response:
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I believe that the amounts of debt that lowered my credit score was done unfairly and was done too aggressively for the amount I owe.
Company Response:
State: NV
Zip: 897XX
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A