Date Received: 2018-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In the past couple months this company allowed someone to use my credit without my permission. I received alert stating that I tried to apply for new credit, which is not true. I tried to dispute with all three bureaus and this company multiple time to resolve this matter about this inquiry. Each every time they stated that it was verified, not true. They cant provide with any voiceover, my Driver License or signature authorizing this inquiry. They are breaking the law and putting a hardship on me and my family with these negativity.
Company Response:
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I would like to speak to someone regarding severe auto finance fraud by XXXX XXXX XXXX XXXX XXXX in XXXX XXXX CA. After 2 contracts signed ( one is not even my signature ) a interest increase from 5.99 % to 22 % and several conversations and having the sales girl XXXX come into my place of business after I told her NOT TO COME TO MY PLACE OF BUSINESS ( on the XXXX of XXXX ) to have me sign a cancellation agreement ( The bank records is a different agreement ) I had returned the XXXX XXXX XXXX truck to the dealership on XX/XX/2018 because they wanted me to sign an additional contract ( 3rd ) After returning the vehicle the finance manager had forged and altered an original document and after already charging ( 2 ) {$2000.00} payments charged an additional payment on my Visa card for {$3000.00} on the XXXX of XXXX without my permission and when I had called the bank to do a chargeback, they had submitted a contract that was a combination of the first two contracts and a 3rd contract in which I had never seen before or signed. XXXX XXXX XXXX because of the fraudulent paperwork and even after I had shown them the proof of forgery, did not refund me. I was out {$7000.00} no truck and a bill from XXXX XXXX. Since this whole situation, I have had no down payment to purchase an additional vehicle. XXXX XXXX has repossessed the vehicle from XXXX XXXX XXXX XXXX where the truck was returned to the manager ( witness was present ) on the XXXX of XXXX, 2018 my credit is now ruined so I am unable to purchase another car. I have proof of fraudulent financing to the extreme. I absolutely want to report not only the finance manager but the dealership as well.
Company Response:
State: CA
Zip: 91362
Submitted Via: Web
Date Sent: 2018-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
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: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2018-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
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: The Consumer Financial Bureau received a response back from Santander Consumer USA and closed the complaint under complaint number XXXX as account closed with monetary relief. After not receiving a refund or any monetary relief, I contacted the Consumer Financial Protection Bureau twice on XX/XX/XXXX in reference to monetary relief being received. I was advised that I could contact the company and if no resolution is given, then I can file a new complaint. The response states the company Santander made an adjustment to the account and reflected the balance it as write off in order to close the account. Monetary relief is a protection available to trademark owners under the Lanham Act. Monetary relief includes provable damages, attorneys fees, corrective advertising costs, defendants or plaintiffs lost profits, prejudgment interest, punitive damages, reasonable royalty, or treble damages. This is not what Santander Consumer provided. New evidence provided, in the response Santander provided they performed a write off for the amount which the Consumer Financial Protection Bureau indicated as Bad Debt. Just to clarify the history of the account, the account originally belonged to XXXX XXXX from XXXX until XX/XX/XXXX. Effective XX/XX/XXXX, is the date Santander acquired the account where the payments were made to them. First and foremost, allow me to specify collection of the debt and the balance due for Santander Consumer begins on XX/XX/XXXX, and not prior. Santander Consumer 's was only and hx shows attempting to collect a debt starting XX/XX/XXXX, where the balance starts at {$7500.00}. The hx of this account is that everything prior to this date was based on agreements handled with XXXX XXXX, where it was worked with the VP of XXXX XXXX. The hx of the original agreement was XXXX XXXX was the original lender of the XXXX XXXX, and they assisted in negotiating the deal at the dealership XXXX XXXX XXXX XXXX. There were 2 sales agreements, the first agreement reflected like I didn't have a trade in, which would have resulted in the XXXX XXXX being financed for more than the trade in. XXXX XXXX told the dealership they could not cash the original check, because they didn't give me anything for my since I was trading in my vehicle, if they could pay off the vehicle in a separate check, then they could use the entire financing amount towards the vehicle, and the loan agreement would not be upside down. The trade in had a negative balance, which was higher. But, they agreed to issue a separate check to pay off the vehicle which was a XXXX XXXX XXXX. That vehicle was paid off to financing company XXXX XXXX. I trade in the vehicle, in addition to this I paid a downpayment of {$2500.00}. Also on that trade, the interest was above the legal limits in florida. The dealership was advised to submit a seperate sales agreement to the lender in order to cash the check. However, XXXX XXXX financed the loan under the original loan agreement falsifying that I didn't have a trade in, and there was no down payment. The XXXX XXXX financing agreement was based on the first sales agreement, like was paying for 2 vehicles, when i was only paying for 1. On top of that XXXX XXXX was financed as an upside down vehicle, and it was a discontinued vehicle which serious mechanical issues. I went back and forth with XXXX XXXX on this and worked it, where I approved There, was no negative balance that should have been rolled over into the loan to make it appear like I was paying for 2 vehicles because I was only paying for 1 vehicle which was the XXXX XXXX. The way the loan was written, based on the original sales agreement, made it appear like I didn't have a trade in, when the check XXXX XXXX 's subsidiary company XXXX XXXX received was a separate check that paid off the vehicle trade. This resulted in the XXXX XXXX which was a lemon, and a discontinued vehicle being financed above the market value. As my result in working out the agreement I turned it in as a voluntary repossession, I requested the account balance to be forgiven, they stated they could not at the time. The most they would could do is write off the interest. I would agree to pay {$80.00} a month and that would be applied to the principal only. They would remove the account from my credit report. After 6 months to a year they would re-evaluate if they could write off the principal balance. I agreed and this was being handled off the books. This agreement became effective in XX/XX/XXXX, which is why account hx shows when these payments start in the hx XX/XX/XXXX, in the attachment from the response from Santander. I continued to make payments to XXXX, and see nothing being in the interest or principal field because my agreement with them. From XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX, those payments totaled to {$1900.00}. In addition to what the car was sold that was {$1300.00}. This left a balance of {$7900.00}, which when Santander Consumer USA acquired it in XX/XX/XXXX, their account balance showed on {$7500.00} because per my agreement with XXXX XXXX, which were being handled all my payments would be going to the principal only. XXXX wrote off the interest, and sold them the account which is why when their ledger took over it shows {$7500.00} as of XX/XX/XXXX. Once they acquired the account, I had to call them to tell about this, agreement, because they were harassing me where the system was robocalling consistently. After speaking to them back in XXXX, they acknowledge they saw the agreement, and it would take a month for me removed from the system. On top of that, because I had this agreement, and was honoring it faithfully that originated with XXXX XXXX, I issued Santander Consumer Financial Auto a cease and desist letter. In the payment hx you noticed frpm XX/XX/XXXX - XX/XX/XXXX, my payments of {$80.00} was being made by me. But, it was being applied but you don't see the hx see a balance for the principal or interest during that time. That was because it was being handled based on the agreement, and they were negotiations of the sale of Santander Consumer USA, and per the VP, adjustments would to the account would be made prior to the sale. I was aware there would be potentional sale, didn't know to whom. So prior to XX/XX/XXXX agreement, that account hx was XXXX XXXX, where the interest where from the agreement, and agreement off the books, they received the payments of {$80.00}, and would write off the balance prior to the sale. This is why as of XX/XX/XXXX, when XXXX XXXX acquired the account, it was only for principal not the interest. The account hx attached in their response shows on XX/XX/XXXX, the balance was {$7500.00}, which is the only amount they were focused on collecting which was for principal only at this point, as a result of XXXX XXXX trying to correct their wrong doing. So, Santander didn't have any interest to write off, because of they only started to collecting on XX/XX/XXXX based on transfer for the principal balance only for {$7500.00}. They were not responsible for collecting anything above that. this why you see that amount in the hx on XX/XX/XXXX. Proof of the collection balance shows {$7500.00} being paid off by me from From XXXX XX/XX/XXXX. This is why when you look at the account hx, you see the principal amount being reduced, to where the balance is {$0.00} by that time. As I explained this when I contacted and spoke to the manager of the deficiency department, that I paid off the balance in full in XX/XX/XXXX. There should have not have had to do a write off of an amount totaling as an estimate of a little over {$7900.00}. The hx from XX/XX/XXXX clearly shows they should have only been collecting {$7500.00}, and per the agreement that I already had with XXXX XXXX, which is why this was treated as a special account per my agreement with them, is that I was paying {$80.00} a month, which the hx clearly shows started from XX/XX/XXXX, I continued to make payments based on the special arrangement made with XXXX that was carried over per agreement to only be responsible pay off the principal. XXXX XXXX handled, the adjustment of the interest prior to the sale, and see nothing being in the interest or principal field because my agreement with them. From XX/XX/XXXX to XX/XX/XXXX to XXXX XXXX, those payments totaled to {$1900.00}. In addition to what the car was sold that was {$1300.00}. This left a balance of {$7900.00}, which when Santander Consumer USA acquired it in XX/XX/XXXX, their account balance showed on {$7500.00} because per my agreement with XXXX XXXX, which were being handled all my payments would be going to the principal only. The account hx, from the time they acquired the account on XX/XX/XXXX. Account hx shows that I continued to pay the {$80.00} a month from XX/XX/XXXX to XX/XX/XXXX which was clearly being posted to principal column based on their account hx which was attached to their response. Their account hx shows that account balance was satisfied with the principal being paid off as of XX/XX/XXXX. Therefore, Santander Consumer USA, after receiving my complaint from the Consumer Financial Protection Bureau went back adjusted to the account say the account is closed, and then considered monetary relief is them writing off interest. But, they were never due any interest, their collection time period when they acquired the account they accepted my payment of {$80.00}, and continued to apply to the principal which was paid off in XX/XX/XXXX. In XX/XX/XXXX, with knowledge of receiving and proof showing when they acquired the account on XX/XX/XXXX from XXXX XXXX, they were only collecting principal of {$7500.00} with no interest due to XXXX XXXX attempt to correct their wrong per my previous agreement with XXXX XXXX based on the account being sold them. Santander, has received payments which the hx shows resolved the {$7500.00} in XX/XX/XXXX, because each month they continued to honor the same agreement from XXXX XXXX, where the account was paid in full. Then from XX/XX/XXXX to XX/XX/XXXX, I continued to pay because I never received anything saying that it was satisfied, they applied my {$80.00} a payment to the account where there was no interest or principal due. The account hx shows that is a total of {$1200.00} above the {$7500.00} principal balance that I paid. All, I'm trying to due is to get them to correct account properly, there was no interest due because the original lender XXXX XXXX already made the adjustment, when they received the account, all the payments to XXXX from XXXX from XXXX XXXX. When Santander acquired collection started on XX/XX/XXXX for only {$7500.00}. Payments were made from XXXX XX/XX/XXXX at XXXX a month totaling to {$8700.00} for the principal only. No interest was due to Santander Consumer. I'm due a refund of {$1200.00} due to proof in the hx shows they was no more principal due as of XX/XX/XXXX. The adjustment should have been made to reflect based on the timeframe which they acquired the account XX/XX/XXXX, to show account balance of {$7500.00}, balance XXXX, paid in full. All, the fees and interest prior to XX/XX/XXXX, and adjustments was already handled by XXXX XXXX, it was not them. XXXX XXXX honored their agreement to me by removing it from my credit, not re-inserting, and writing off the interest. But they sold the principal to Santander Consumer, where I paid that account principal off. Santander didn't provide any monetary relief because there was an overpayment above the amount {$7500.00}, and I overpaid the {$1200.00}. The manager stated she would send it to their executive office. I don't want them to respond to me directly, but to the consumer financial protection, as this is a new complaint based on the hx which shows everything I'm stating. In accounting you can't write something off, if you already received payment for it, which is why I attached the XXXX and statement XXXX because, since they made their adjustment, they are misrepresenting they were ever due to interest. But, accepted payments honoring the original agreement. This is very stressful to have to deal with them especially have to deal with XXXX XXXX, property damage, and then someone stealing my identity. I'm trying to get this handled correctly to ensure I'm refunded based on the proof, and my agreement with XXXX XXXX. I want to make sure its adjusted correctly, and it remains closed and that I receive my refund of {$1200.00}. I paid my debt, they were not due to interest, because it was never transferred to them by XXXX XXXX
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been paying on our XXXX XXXX XXXX.since XXXX.. I couldn't understand.why our balance has not gone down in.the last 3.years that is because the XXXX we have paid had all went.to.the interest rate..i tried talking to.them.to get lower rate.or payments..something .they won't work.with us.. now I'm behind due to family deaths and financial difficulty and now they r threatening to repossess it.. even.tho I have tried to get them.to help.me.and they won't. they r crooks. santander consumer usa
Company Response:
State: MN
Zip: 56560
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XXXX Santander placed a repo out for my spouses car. While sitting in my car about to reverse a tow truck rammed into the back of my car and lifted me up. Car was running and the slam into the car made my neck jerk and also caused damage to back of car. Repo agent stated they will call the police to assist. I stated that is breach of peace and closed my car door. As talking Thur the window while in the car running I Tried to offer to call bank and make payment and was told my account is frozen I cant make any payments. Repo agent stated there was nothing I can do they are taking it. Asked was it legal to ram the car in lift while Im reversing and they never would answer it. Also told them to notice the damage from tow truck hitting car they stated they will document it. While sitting back in the car after agents had me lifted still and car running while still in reverse I move car to park position. Agent than begins to knock on window of car. Told agent Im making some calls give me a sec and starts knocking over and over. Stated they can call the police if I dont comply since Im not a co signed on the Loan Im driving the car illegally. Responded that Im a spouse and it cant be right for you to hit my car and lift me up while Im in the driver seat and car is running. Pain in neck and upper back real stiff soreness. The car is my spouses and is financed by Santander. Sat in the car about 30 mins during this time and finally told them they can take the car if they can take me home because I was in pain and I didnt want them calling the cops like they stated they would. Turned over the keys and they agreed to take me home. Before leaving the had to reposition tow truck a few times to actually hook car up right on tow and also they drove car to turn it around on tow as well so it wouldnt drag. Tow company hired by Santander was XXXX. XXXX out of XXXX Oklahoma. Adjuster name was XXXX. company phone number is ( XXXX ) XXXX
Company Response:
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To Whom it concerns, PLEASE IMMEDIATELY REMOVE, as required : Santander Consumer Usa XXXX or else wise MODIFY its reporting as mandated and certify its COMPLIANCE in a physically verifiable document form ensuring to me VALIDITY of claim and processing of reporting activities. I AM within my consumer RIGHTS to request this and even DEMAND your claims silenced else wise. I DEMAND that you IMMEDIATELY EXTINGUISH your injurious and unethical illegal claims versus me as it is in clarity nothing greater than immoral subterfuge and overwhelmingly deceptive, each being clear and vile infractions of mandatory responsible and reasonable lawful reporting of claims. In the least of issues is that your item of delinquent and/or derogatory claim, as currently displayed on my credit reports, is significantly deficient of substantiated facts of validity, documentation of that validity, compliance of reporting HOW REPORTED, certification of that compliant reporting, To date I have not been offered nor delivered any suggestion of absoluteness and legitimacy to your claims, despite my lawful requests for your demonstration and documentation in evidence of your testament of facts as related to the exact true correct and complete physically verifiable proof of validation of item itself much less the presentation of the mandatory perfect and complete certification of compliance of reporting even to the mandatory metro 2 format. Being that as the truth of the matter and in consideration of your lawful requirements to REPORT, combined with my reasonable concerns in direct or indirect response to many recent consumer information breaches such as with XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX University, the Veteran 's Administration Records Division, and OTHERS I have no confidence in your statements of claims AS THUS FAR PRESENTED, although I can not here and now yet state a claim of denial of responsibility. I simply am exercising my consumer rights to QUESTION any concern-able misinformation and demand document proof as to the validity of claims of debts owed and FURTHERMORE DEMAND EVIDENCE detailing the CERTIFIED nature of the TRUE CORRECT and COMPLETELY COMPLIANT REPORTING of the alleged validated data, even to the full mandatory standards of the METRO 2 FORMAT. Unless else wise proven, it can only be logically and LEGALLY assumed that the claims/Item, as reported, is not proven fully physically verifiable and valid as related to its truth, accuracy, completeness, and timeliness therefore being ILLEGALLY assigned to reporting! Further there is no document evidence of mandatory certified Metro2 compliance, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, regardless if true or not. COMPLIANCE of reporting is MANDATORY criterion to report, NOT OPTIONAL. I do NOT authorize you nor any agent to misreport versus me in an unregulated and unlawfully not perfect correct complete and certified COMPLIANT manner, even to the mandatory METRO 2 FORMAT REPORTING standards. You have 15 days to submit your requisite corrections and or removals! In GENUINE SINCERITY I CLOSE,
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Santander Consumer repossessed my vehicle on XX/XX/18, and failed to notify me prior to doing so denying me and/or family members the option and legal right to resolve any delinquency prior to repossession as I had been hospitalized for 3 months and Santander had been appropriately advised. While repossessed, money {$3700.00} ; {$100.00} Visa Gift Card ; taken from my wallet which was inside the vehicle {$240.00} in groceries inside the trunk ; when it was repossessed ; and for severe damage the vehicle incurred while in their possession e.g., biological hazard, specifically, mold, front and rear fender ( s ) damage ; and damage to the rear upholstery of vehicle. PLEASE SEE ATTACH EMAIL COMMUNICATION TO XXXX XXXX, CORPORATE OFFICE OF SANTANDER FOR DETAILED EXPLANATION.
Company Response:
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I'm a XXXX XXXX XXXX female who was offered a predatory loan of XXXX % with an inconsistent payoff amount in relation to the money I put down on the vehicle. In XXXX of XXXX I brought a used XXXX XXXX XXXX XXXX coupe from XXXX XXXX in XXXX. Within the first two weeks of purchasing the vehicle the engine belt had shredded. The first few months I paid over the amount that was due. Then, over the summer I was admitted to the hospital twice, causing a disruption in my entire income and job placement. My first stay at the hospital cost over XXXX dollars and I haven't received my statement for the second hospitalization. The bank, Santander USA, refuses to refinance the loan. I have tried to access my account online to download necessary documentation but their online system claims they don't have my social security number on file for me to access it. I have tried multiple times with my SSN and birth date.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-12
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I cosigned on a car for my ex for a XXXX XXXX XXXX. He refinanced the loan as we had went our separate ways. On XX/XX/2017 a payment for {$18000.00} was paid. When the new financial institution called they got the payoff on XX/XX/2017 that was good through XX/XX/2017. The check was received by XXXX XXXX on XX/XX/2017. At the time my ex thought the loan had been completely paid off, since he had asked for a payoff. When the new financial institution wrote the check to XXXX XXXX, they did not figure in the interest for that gap. I received a call on XX/XX/2017 stating the payment was late and would affect my credit score. A payment of {$300.00} is what was left on the account. I was told it was due on XX/XX/2017. I had previously called in to be sure the loan was in good standing before this, and I was reassured it was. I have NEVER been late on a payment. When speaking with XXXX XXXX I pleaded with them on what I needed to do for this to not impact my credit score. I was told I would need to have the payment made today, as the reports are not sent until month end. I was told if it was taken care of within that week, I would not see a negative impact. I hung up the phone and called my ex and he made the payment that day. After he called, I called back in to confirm payment was showing in process and paid. I was told on the phone that I did not need to worry about it affecting my credit, that a note would be made on the account and it would be taken care of without a negative impact. They completely lied to me. My credit now shows a late payment when I did exactly what was asked of me and within the same day. I did not stretch it out or let it slide. I wrote XXXX XXXX a letter asking for a one time forgiveness and explained the situation, they would not grant it. The reasons why I was unaware about the loan was I had confirmation from him it had been paid off, which is why I did not realize there was a balance. XXXX XXXX stated that the other financial institution would have to write a letter stating their mess up, even though they know exactly what happened even though the loan was always timely and only with them for a year. I do not even know who the new financial institution is, as I am not on the loan. I would just really appreciate a one time courtesy from them as I was the cosigner and I would've taken care of it sooner had I been made aware. I feel that they waited to be able to penalize me and intentionally drop my credit score. For someone who always pays on time this extremely frustrating.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2018-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A