Date Received: 2018-11-11
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/XXXX XXXX XXXX XXXX place a collection on my credit reports. I never signed a contract with this company. I notified them to send me a copy of my contract and they never sent the contract with my signature to. If I own you money then you would have paper work. I have disputed this on my credit and it was removed on XX/XX/XXXX, now XXXX place it back on my credit report today XX/XX/XXXX. This is fraudulent. If this complaint don't work. Im calling my lawyer. Im not going to allow any mess up my credit.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2018-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I am being harassed daily by a company about a car, I know nothing about. I'm a victim of identity theft. I'm getting calls of them threatening to come to my job and residence and garnish my checks as well. Please help me.
Company Response:
State: AZ
Zip: 85301
Submitted Via: Web
Date Sent: 2018-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX, Florida sold me a dangerously defective vehicle and has committed fraud by refusing to abide by lemon law. Financing for the fraudulent vehicle transaction is managed by in house loan company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Tel : XXXX. On XX/XX/2018 I purchased a new XXXX XXXX XXXX XXXX sport utility with XXXX miles on odometer. XX/XX/XXXX I returned the vehicle to dealership due to engine stalling, intermittent engine shut offs, warning lights, check engine lights on, electrical failure and multiple loss of panel communication faults. XX/XX/XXXX, I was told to pick up vehicle. Upon arrival lead mechanic stated its a lemon and that I should go lemon law. He couldnt find the source of the issue, its a manufacturing defect but it seems to be repaired this time and he will continue trying to fix vehicle if ordered by his boss. Before I could leave the dealership parking lot vehicle stalled and electrical failure with multiple loss of communication occurred, so the vehicle never left lot and remained until XX/XX/XXXX until I was told it had been repaired and to pick up. On XX/XX/XXXX, vehicle had electrical failure and multiple loss of communication and complete blackout of control panel screen. On XX/XX/XXXX XXXX formally refused to buy back the vehicle and instead added insult to injury offering {$3000.00} to keep the defective vehicle, shut up and go away. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MI XXXX XXXX : XXXX Fax : XXXX Any help that you give me will be greatly appreciated. XXXX XXXX
Company Response:
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Sandtander of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit reportsXX/XX/2018 related to that fraudulent application. An official dispute of this inquiry was submitted certified mail with return receipt to Sandtander XX/XX/2018 and againXX/XX/2018 however in each instance Sandtander failed to reply to the status of the investigation and/or removal of the fraudulent related information from my clients credit report ( s ). This is a violation of the FRCA and my clients federal consumer rights.
Company Response:
State: NJ
Zip: 08527
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I took out a loan with Santander to purchase a vehicle in 2008.I recently ordered all three reports and noticed they were reporting to that i had a number of late payments .I contacted Santander in regards to this matter because I after the vehicle was paid in full I received a letter and a refund stating the refund was in regards to them reviewing my account and the refund was for late fees and was assured they would correct with reporting agencies. All I also disputed the late payments in XXXX without any luck.I feel they are reporting falsely to the credit agencies and I have no luck trying to resolve.
Company Response:
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My personal information was stolen according to a letter from the IRS/XXXX. Because the IRS/XXXX had a massive database breach, that prompted me to check my credit. Upon checking my credit, I have noticed that several inquiries that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC already. The FTC Identity Theft Report number is XXXX
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Report states last payment XX/XX/2017 which is incorrect. Balance is incorrect. Payment history is incorrect. Due to medical issue a deferment was approved to avoid late payments. However late payments were still reported.
Company Response:
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX @ XXXX from XXXX Ohio contacted me today at XXXX XXXX PST from XXXX with a recorded message that " my refusal to sign for a summons could result in negative action against me in court. '' When I was connected to a live person I was informed that they were contacting me regarding a prior loan/debt from XXXX XXXX dating back to XX/XX/2007and a vehicle purchased for my ex-wife. Their representative informed me that this was a " courier '' message related to " pending litigation. '' At that point I told them this debt was disputed and several years outside the Nevada statute of limitations for filing an action. At this point they tried to tell me they were merely a " mediation firm '' and not a debt collector, despite their attempts to have me pay on an unenforceable debt. This is a clear violation of the FDCPA. Though they would not give me their address, they called from the above number and provided a fax number of XXXX. I am requesting my statutory damages for their violation.
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Thank you very much for your response. First of all, XXXX XXXX where I purchased the XXXX XXXX already called me on Sunday ( XX/XX/2018 ) and informed me that they had already sent the check amounting to {$2400.00} to Santander. However, Santander bank claims that they have not yet received this {$2400.00} dollar amount refunded and which should be deducted from my principal amount. Please can you find out who among these, either XXXX XXXX or Santander Bank is telling the truth about my {$2400.00} before the money disappears again? Secondly, the Santander Bank still does not clarify/verify the exact amount of Principal ( money ) I will owe them after this fraudulent warranty that was even voided before it could take effect amounting to ( {$2400.00} ) is returned and is deducted from my principal amount. Although Santander agrees to deduct this amount of {$2400.00} from my Principal amount of purchase of this XXXX XXXX. In the response letter from Santander Bank ; Santander bank explains that I am expected to pay the same amount of money ( {$470.00} per-month for this car loan ) over the next 60 months as was previously signed. This can not be the case because after the principal amount has been reduced, I can not still pay the same earlier bill for this car. And as per the laws in California, loans are charged with simple interest. Please can you prevail on Santander bank to ensure that they do trustworthy and fair business and that I am not illegally billed unfairly even after this illegally warranty by XXXX XXXX is refunded ( which XXXX XXXX claims to have already sent the check to Santander but Santander says they have NOT yet received the check of {$2400.00} ). Thank you
Company Response:
State: CA
Zip: 93401
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-08
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I make my payments early and on time it's a fairly new loan but the interest rate charges make no sense when I first got this loan they sent a video stating that if you pay on time more of your money goes to the principal and less to the interest rate so this month I paid early and on time and their saying they had to charge me for 35 days of interest which makes no sense to me this cant be right. Please help me resolve this matter
Company Response:
State: TX
Zip: 78237
Submitted Via: Web
Date Sent: 2018-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A