Date Received: 2018-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/XXXX I was divorced my ex husband got the XXXX XXXX XXXX and I got the XXXX XXXXt. A judge signed off on it. In XX/XX/XXXX my ex husband defaulted on his XXXX XXXX. The company Santander put it on my credit. When I am not financially responsible for it. I have legal documentation to prove it. Because of this it prevented me from buying a house for my children.
Company Response:
State: CA
Zip: 915XX
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Santander consumer usa has knowingly entered into a contract with XXXX XXXX XXXX who has reported incomes, which was used to support my loan application submitted I have told them the income has to be incorrect and inflated. They have promised and investigation and has not came to any resolution on the fraudulent income reported which shows they are still up to their old tricks supporting these fraudulent actions. They have given a XXXX per month loan to a single XXXX mom with no job and an income of XXXX from XXXX XXXX with the department of XXXX XXXX. I thought I was going thorough the XXXX program which projects income WITH the PROMISE that in six months it would be lowered alot or I could get a hybrid which did not happen in six months. I later find out the XXXX program was over when i signed the contract and projected income was not permitted so I am in a fraudulent scam deal by the dealer and Santander.
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I spoke to someone at Santander in XX/XX/XXXX about my trouble making payments due to heath issues pertaining to my accident in XXXX. The gentleman to spoke with him XXXX assured me that if I made I payment before the XXXX of the next month that they would not report as late on my credit report. They will not defer my payment because the car was totaled, and I am having trouble making payments.
Company Response:
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I already reported that Santander XXXX reported me as being charged off for XXXX dollar because of fees that they charged me after my car was paid off. The problem is that they told me three times that they would take monthly payments and that I would be be in good standing. It's on their chat talk web site that they said I could make monthly payments on these " rip off '' charges and that my pay off would be without consequence with these monthly payments. When I called them ( several times ) they admitted that this was said by them. They then said that they told me the opposite on their web site also. What confusion! I paid three times what the car was worth, Paid off the car. Then I was put on recored as my loan being charged off when their fees are paid. I should have never been reported as being 90 plus days late on this account. I also should have never been reported as being charged off for XXXX dollar.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2018-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This happened in 2015 when I helped a friend sign a car lease and I wasnt aware that I was signing the ownership and I ended up in a {$15000.00} debt for a car that wasnt ever mine. I want to make things right because this is affecting me personally when I try to use my credit. The car was repossessed without me knowing because I was never the owner.
Company Response:
State: CA
Zip: 90005
Submitted Via: Web
Date Sent: 2018-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX has filed a lawsuit in Texas stating I owe them and I have never even been contacted by them in any way until I was served with court documents. They have not attempted any collection efforts. I have had the same mailing address for 19 years and a separate physical address for the last 4 years and have 4 phone numbers in my name and have not received one call concerning or identifying this matter.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/2018 I disputed with XXXX XXXX, and XXXX on Santander Consumer USA, Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sold a vehicle to a young couple in Tennessee. When I requested the payoff amount from Santander Bank I was informed that the amount given would bring my account CURRENT and paid in FULL, as it was about 30 days behind due to me loosing my employment at the time. The couple had their bank, XXXX XXXX XXXX XXXX, mail a check to Santander to transfer ownership of the vehicle. The check arrived on the XXXX of the month which is when my account due date was. Santander LOST the check and the XXXX XXXX had to reissue another check to pay off the vehicle. That process took about 10 days before they were able to reissue the check to make sure that it was not in process of being cashed. By time the payment posted, it was the XXXX. Upon closing the account out Santander changed the status of my account to no " more than 30 days late '' after I had to file a dispute with XXXX, XXXX and XXXX to get them to close the account out because for 60 days they were still reporting that the account was closed with a balance due! How can a vehicle be paid off and the pay off amount does not include any prior amounts due? It does not make any sense. If the amount was incorrect, they how can the account be closed out and it is not current? What is icing on the cake is that there was a credit on the account and a check for the balance was supposed to be mailed. I do not recall ever receiving those funds either.
Company Response:
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2018-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature on XX/XX/2018. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. delivery comformation XXXX
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent off my letters to dispute the charges to the Creditor and Collection Agency for my repo. Santander never replied to my letter, they just updated my credit report. XXXX XXXX XXXX, the debt collection agency that bought my account, sent me copies of my contract from when I bought my car with XXXX XXXX and Santander. XXXX XXXX XXXX has sent me everything they have from my file with Santander. Now Santander violated the O.C.G.A. 10-1-36. 10-1-36. Disposition of motor vehicle repossessed after default ; right to recover deficiency ( a ) When any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. The notice shall also advise the buyer of his or her rights of redemption, as well as his or her right to demand a public sale of the repossessed motor vehicle. In the event the buyer exercises his or her right to demand a public sale of the goods, he or she shall in writing so advise the seller or holder of his or her election by registered or certified mail or statutory overnight delivery addressed to the seller or holder at the address from which the seller 's or holder 's notice emanated within ten days after the posting of the original seller 's or holder 's notice. ( b ) In the event of election of such public sale by the buyer, the seller or holder shall dispose of said repossessed motor vehicle at a public sale as provided by law, to be held in the state and county where the original sale took place, or the state and county where the motor vehicle was repossessed, or the state and county of the buyer 's residence, at the seller 's election. ( c ) This Code section is cumulative of Part 6 of Article 9 of Title 11 and provides cumulative additional rights and remedies which must be fulfilled before any deficiency claim will lie against a buyer, and nothing herein shall be deemed to repeal said part. In which they never sent that letter. It is also shown with all the copies of paperwork they sent me that it was never sent. They sold the car and sent me the Explanation of Calculation and Surplus or Deficiency, which I still have.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A