Date Received: 2019-01-12
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Customer service advised extension would be provided when I was eligible only to deny it I fell behind on payments but have called and talked to multiple reps who told me when I'd qualify for the extension. I have missed payments and returned payments that I have replaced. I was told I'd qualify around XXXX in XXXX. Called XXXX and was told to wait till the end of XXXX only to have it denied now because of payment history. I'm obviously struggling and that's why I asked for the extension. The representative should have told me I wouldn't get one from the start instead of me making arrangements to get to the point of getting the extension to be turned back around.
Company Response:
State: PA
Zip: 17601
Submitted Via: Web
Date Sent: 2019-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: We have a recently new account with Santander Consumer USA for a car loan. After 6 months, the last month reported was for XXXX. We were never 30 days late and only once late passed the 10 day grace period ( by only a few days ). They are refusing to report the month of XXXX and XXXX because I split the payment up into two payments. I called regarding the reporting on XX/XX/2019, and the lady that helped me said she wasn't sure why it wasn't reported for those two months. Everything looked good and the report was sent over to the proper department for credit reporting. She said if it doesn't update by the end of the following week to call back. I called back XX/XX/2019, and the lady that helped me this time said it wasn't going to report because I didn't make a one-time payment. But wanted to assure me that my account was not past due. She said they don't have to report only if it's 30+ days past due then they will. I requested for it to be reported and they denied it.
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-11
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: THE CAR WAS TOTAL LOST AND THE COMPANY STILL WANTS ME TO PAY MONTHLY PAYMENT.
Company Response:
State: MA
Zip: 01604
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently checked my credit report and noticed that Santander was reporting to XXXX and XXXX. Previously I disputed this information with XXXX because I was not sent a certified letter ( ever ) or served with any letter letting me know that I had the option to buy back the vehicle or be set up on a payment plan. I was not given any notice of sale letting me know when and where the vehicle would be sold in order to redeem the vehicle. I was never given a post notice of sale of deficiency explaining that there was any adverse action or balance due. My rights were completed violated and Santander has never contacted me about this matter. I just stumbled upon it when I was looking into my credit report due to hearing about company breaches. The information I was able to gather from my credit report is that the car was set for repossession XX/XX/XXXXin California and sold XX/XX/XXXX. Under the laws of the state of California UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Since I never received any type of notification this is in clear violation of my rights. This item was removed by XXXX due to a dispute and it needs to be removed from both XXXX and XXXX as well. There is another issue that I am seeing is that the reporting company Santander Consumer USA originally listed the past due amount as {$5900.00} in XX/XX/XXXX and this amount has increased incrementally since then to the total of {$9100.00}. I still have not received any verifiable information from the company about this and neither has XXXX. I am requesting that this account be deleted because no copy of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle has been provided. The alleged claim of a deficiency and any continued collection activities, or continued reporting of this invalid claim on my credit reports is a clear violation of the FDCPA and FCRA. Please help me.
Company Response:
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I completed my loan agreement with Santander Consumer USA back in XX/XX/XXXX with a “XXXX” balance on the account as well as title in hand for my XX/XX/XXXX XXXX XXXX. In return Santander reported my account stating that the Payment was made after charge off which was not true at all. I have made several attempts with no avail to get the derogatory mark off my report but I either get hang up on by a agent after explaining the problem or told no changes can be made and will stay on report for seven years. I really feel like I’m being punished for something that shouldn’t be because the account was paid to term with a balance of XXXX.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2019-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have attempted several times to figure out why the interest and principle amortization has not been adding in correctly. I get several vague answers that dont make financial sense, i have requested a copy of my original contract and the company claims that 2 times they mailed me the contract, but i never received it. But in the time in between requesting it and now, i have received physical copies of my actual billing statement. They claim the only way to receive the contract is by fax or mail. I requested by email and they have said they would ask but at this point i do not believe them. The business practice has been less than above board. They are over charging me from interest owed.
Company Response:
State: CA
Zip: 92626
Submitted Via: Web
Date Sent: 2019-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I was paying Santander for my car payments because they are the company that does the financial payments for my loan. My car was repo sometime in XXXX. I was callings to get some information on my account from Santander & I just found out yesterday that all my payments since 2014 has all gone to high-interest loans to car, basically I paid {$17000.00} on high interest rate only, & the only thing that went to my car within these pass years is the {$1000.00} down payment & nothing else. To clarified this since 2014 I payed {$18000.00} to Santander & only {$1000.00} went towards my car & the rest just went on fees which is unfair that they took {$17000.00} almost {$20000.00} on loan fees to their company which is a rip off. That Amount is not including that Santander told me that I still owe {$13000.00} Towards the car & they sold the car for {$3400.00}. I have reach out to the company so they can sub total the interest rate in writing & the only thing they wanted to sub-total is how much the car was worth & how much I still owe. They did not want to sub-total the loan fee they wanted to just send me a confusing transcript almost like a bank statement so it can be confusing to who ever reads it & they told me to calculate my own, but they can tell me over the phone that they charged me the {$17000.00} on loan fees. I research fraud on this company & I found many of the same complain in different states. One of the many complaints which shows the state of Massachusetts Santander to pay $ XXXX to settle subprime auto-loan case XXXX XXXX XXXX I just spoke to someone from the attorney general office in the state Fl, which told me this office can help me. My contact information is ( XXXX ) or email me at XXXX Thank you for youre time, XXXX XXXX
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-08
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: At the date of purchase, the interest on the contract was not explained to me as " simple interest ''. The company is now telling me that at the end of the loan, I will still owe about {$4000.00}. I have already paid, by my account, {$22000.00} for this car, 5 years into the 72 month loan. By their account, I have only paid XXXX. If I continue to pay this loan until it is completed, I would have spent {$33000.00} on a loan that was supposed to total {$25000.00} at the end of 72 months. The interest rate on the loan was 18.8 %, which was excessive to begin with. The price of the car when I bought it was {$15000.00}. I feel as though this company is loan sharking this loan, and I have informed them that they may pick the car up, as I can not afford to continue paying this amount for a car that was never worth that to begin with. Current XXXX value of the car is {$2000.00}.
Company Response:
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2019-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been in contact with XXXX XXXX since XX/XX/XXXX when I discovered that my account was listed on closed/charged-off on my credit report and not reflecting monthly payments and the account being open and paid on time. I have spoken to multiple customer service representatives starting in XX/XX/XXXX and most recently on XX/XX/XXXX, in which they have been unable to assist. All of the customer service representatives have stated that my account is current, paid, open, and never been a charge off or repossessed ; even when I escalate it to customer service management. I sent a letter via certified mail to XXXX XXXX in XX/XX/XXXX requesting for the account to be updated on my credit report. On a letter dated XX/XX/XXXX, I received a letter from XXXX XXXX in response to my certified letter apologizing for the mistake and that the account payment history and status would be updated to reflect Current/Open and paid on time ; however, this issue has been yet to be corrected. Most recently upon reviewing my credit report in XX/XX/XXXX, they have shown the account as being closed as of XX/XX/XXXX, which is not true. The account is open and paid as agreed, in which most months I have overpaid to pay down my balance so that I can get rid of XXXX XXXX altogether and have the vehicle paid off. As the customer service representatives have all stated, this vehicle and my account has never been repossessed nor charged off and the account is open and current. XXXX XXXX is taking advantage of consumers and refuses to correct their errors, only wanting to collect money and not be of any assistance. I also know that I am not the only consumer that has had this error from them, as I have spoken to 25 other individuals that are experiencing the same issues with XXXX XXXX incorrectly reporting to the credit bureaus while their internal systems say otherwise.
Company Response:
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2019-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have been dealing with an on-going dispute involving my credit reports. I have a derogatory account reporting on my credit for an auto loan that I did not open. This account is not mine and neither did I assist anyone on this matter. This information is incorrect and does not belong to me
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A