Date Received: 2018-11-27
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/2018 XXXX XXXX unlawfully repossessed my vehicle without due process of law. XXXX XXXX failed to send any notice of intent to repossess vehicle through neither certified or registered mail. Additionally, XXXX XXXX failed to validate any debt obligation before repossession, and neither did they loan me any physical money. XXXX XXXX fraudulently used my name to obtain funds through the Federal Reserve System. They failed to produce any original documents as requested and have already sold the loan package.
Company Response:
State: NY
Zip: 14226
Submitted Via: Web
Date Sent: 2018-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-25
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: Please can you help with My problem with XXXX XXXX I turned in a lease early I leased the vehicle in XX/XX/XXXX and turned it back in XX/XX/XXXX I had put {$6500.00} down at the time of signing so when I turned the vehicle back in the dealer and XXXX XXXX told me I was in the green with early termination fees. From XX/XX/XXXX to XX/XX/XXXX on all 3 of my credit bureau reports showed XXXX balance for my XXXX XXXX account. In XX/XX/XXXX I hired a company to clean up my credit they disputed my XXXX account and they came back stating on all 3 of my credit bureau reports that I owe {$12000.00}. Then it was disputed again then on all 3 of my bureau reports {$5300.00}. As of today XXXX on all 3 of my reports says I have a past due balance of XXXX Ive talked to over 20 different people at XXXX XXXX and get no answers they just transfer me from person to person and nobody I talk to has a clue on what is going on they all tell me different prices that I owe. I tried disputing it with all 3 bureaus and get no help with anyone. I do not know what to do I am so very frustrated with this I do not owe them any money and I do have credit reports post to XX/XX/XXXX showing that this account was a XXXX balance I can not even get a car loan because this in on my credit report please help me thank you Sincerely XXXX XXXX
Company Response:
State: WI
Zip: 53402
Submitted Via: Web
Date Sent: 2018-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX ( and other dates ) Santander Consumer Usa turned my account in as a charge off for XXXX dollar ( to XXXX ) and a charge off paid in full to XXXX and XXXX. They also turned me in for being 30, 60, 90 and 120 days late when I was making payments that they suggested. I called Santander several times and they said my principal is paid off and on time ( not late ). They then said that there are fees ( XX/XX/XXXX ) that can be paid off when I can and if I pay monthly payments it will not be shown as being overly late. Santander has on their records that they said that I would not be down as being more than 60 days late and would not charge me off if I made payments. They said themselve 's that its on record three times that this was said and that I'm not to worry. They also said that it is on record that they said the opposite. I reported this to XXXX, XXXX, and XXXX and not much was done. I need this charge off taken off of my report as I never more than 60 days late. I got this payment down to XXXX dollar and they charged me off. This truly is an unfair act even if Santander never admits fault.
Company Response:
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Upon Checking XXXX I found that Santander reported payment of {$0.00} on months that a payment was indeed made. The month shows as paid but reflects a payment of {$0.00} which doesnt reflect the amount paid that month. The payment amount reflects later on the balance. The company santander forced me to sign an agreement in order to gain a lower finance interest rate on my vehicle. In this agreement there is a legal terminology of which I did not understand when I signed it. The agreement states I can not sure them for anything. I now am no longer able to speak to anyone as they state I can not due to a legal issue. I am exhausted from this deal. Please advise
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2018-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On .XX/XX/2018.. my car was totaled.. and my insurance company paid the car loan off.. witch was the balance owed..of {$15.00}. Plus I gave GAP.Insurance ... XXXX XXXX is the one I got the loan from. And they are saying that they only received {$12.00}. I called my insurance company and they provided me with paperwork of amount paid..witch clearly say XXXX. Santander is telling me that's not true.. my insurance company told me to file this claim.. so as of today..XX/XX/2018 it still says I owe them over {$2000.00} .. but what about my GAP insurance..what did I purchase it for ... PLEASE HELP..
Company Response:
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2018-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-23
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: promised me lower monthly fees by allowing me to make interest only payments and not explaining that this would increase the total cost of the loan. Told me I could trade the car in in six months. XX/XX/2018 was my purchase time.
Company Response:
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2018-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/2018 I went to a XXXX class in XXXX. I was approached by two classmates XXXX XXXX from XXXX Virginia and XXXX XXXX from North Carolina. They said that I was being investigated for something that my mother and I had done 20 years ago when I lived in XXXX XXXX On XX/XX/2018 a flyer from an investigator was left on my door. picture attached. I have never committed a crime or anything questionable. Ever. And they are complete strangers. I asked them where did they obtain this information, because they are damaging my brand, and my name. I noticed that people were following me. And I wrote A CFPB complaint on XX/XX/2018. I nolonger felt safe in my vehicle, but couldn't voice this, as only my coworkers knew that I was going to XXXX and I would see vehicles tracing me at work and at home at the store, and at my church. This all fit the dialogue that I had with the associate at XXXX when we had the loan agreement. That they denied. After I made the report, the following tactics has changed. Now there is a man that happens to walk around the complex, as I arrive home from church or work. On XX/XX/2018, my daughter and I went to XXXX. She drove her car. We were followed from XXXX to XXXX XXXX. Shortly after we arrived, a couple came in and pretended that they were interested in a vehicle. They got into their vehicle and left. On Sunday, the XXXX, I called Santander and asked them to retrieve the vehicle. My initial statement was that my loan amount was more than I had taken out for the vehicle, after two years. I did not want to disclose that I had an open complaint with the consumer 's bureau. On Tuesday, XX/XX/XXXX, at XXXX there was a man standing out by the exit where I typically exit. I took pictures of him. He saw that I was filming and he ducked his head and briskly walked around to another building. The same day, I noticed that every time I left my building, cars would circle like sharks. And people would just so happen to be standing where they could get a good view. One of which was a bald, XXXX man with glasses. I called Santander at XXXX XXXX and I requested that they pick up the vehicle because I no longer felt safe, and I had already filed a complaint against XXXX XXXX. They responded quickly and gave me the appropriate information. On Wednesday, XX/XX/XXXX, the tow truck Driver came got the vehicle at around XXXX. After they picked up the vehicle, I took the tags to the DMV. While on my way, I saw the same man that was standing outside of my job, ( XXXX with glasses ) driving a green pick up truck, a young lady was beside him, filming me with her cell phone, When I acknowledged using eye contact a nod and mouthed I see you. She stopped. Beside me was a XXXX XXXX police squad car. The driver was wearing a yellow neon jacket. I turned into the DMV. And went in. When I got into the DMV, Santander called me. I ignored the call. As soon as I got out, I called them back, and parked in the adjoining parking lot. Next to a XXXX XXXX XXXX. A man was in the car. Within watching distance, the XXXX XXXX police car pulled up and the driver just watched me. So all of a sudden he steps out, and 'looks under the hood. ' Plate number XXXX. I have pictures. When I got on XXXX, the police car followed me. There was a large truck between us, that it attempted to use for cover. I turned into the left turning lane at XXXX XXXX, and turned into the shopping center, and went home. This leads me to believe that this is XXXX 's doing still. About a year ago, she had asked me if I changed my hair. And I had went from really curly to extremely straight. Although I wouldn't leave Santander out. I separate complaint will be filed. Which ever company is trying to use fear tactics. They have used people to come into my church and watch and record me. And this has been going on for more than a year. The associate at XXXX said that they would do things like this. And I am a XXXX woman with XXXX children in today 's society.
Company Response:
State: VA
Zip: 23185
Submitted Via: Web
Date Sent: 2018-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I purchased a vehicle financed through Satander Consumer USA. Payments were made. My vehicle was repossessed XX/XX/XXXX atXX/XX/XXXX in a very disruptive manner ; I.e : my car alarm was set off and the tow company lit up the entire neighborhood with lights and the sound on my vehicle. Without any notice my vehicle was repossessed and per Nebraska state law I was to be notified via a certified letter that my vehicle was in a repossessive state and given 20 days to rectify ; they failed to send me notice. After the repossession I called Santander and asked for the notice, the representative XXXX I spoke with was rude and stated it was not his job to notify me of my finances. I then mailed a Debt validation letter on XX/XX/XXXX and never recieved a response, I then was notified they sold the vehicle and that I now owe over {$10000.00} and are reporting on my credit file 3 different amounts as a bad debt/charge off, but I was never given the amount needed to get my vehicle back and rectify the debt to get my vehicle back.
Company Response:
State: NE
Zip: 68005
Submitted Via: Web
Date Sent: 2018-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-22
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: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-23
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Purchased Used vehicle XXXX contract amount was XXXX @ {$740.00} per month for 60 months. Santander has us still owing {$23000.00} as of XXXX, Current statement has owing more than we borrowed and have made payments. I think that is impossible. We have contacted them numerous times over the last year to ask options and we have 2 options. 1- turn the car in under a repo and get sued for balance or 2- pay off the balance. We are on a fixed income and no longer can afford the car loan, as it should be paid off and then some. The value of the car is less than 9K at this point. Abusive lending practices.Extreme lending rates.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2018-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A