Date Received: 2018-11-07
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: I purchased a car of the year from XXXX in XX/XX/2013. They were using Santander back then ( & they are no longer using them now due to Santander 's bad reputation ). I thought I was getting into a normal loan for 72 months ; the original loan was {$18000.00}. Between XX/XX/2013 thru current year, I have paid Santander a total {$18000.00}. I was shocked to see that during these years, Santander has applied {$14000.00} ( + ) towards interest & only {$4500.00} towards my principal balance. This is how they are robbing people!! They still want me to pay them {$14000.00} more. I've already over pay them & with my XXXX and medical bills, I cant afford to pay them another XXXX. The APR is almost at 17 %. I didn't this would be a balloon loan. I need some assistance & I want to fight this ; I'm not only doing this for myself, but for all those FL victims going thru the same. I tried to get XXXX XXXX news involved, but Santander was refusing to discuss my account with them. But Santander 's executive office from TX contact me & it was like I was speaking with customer service. They were not helpful & made a sarcastic remark that I should have know they were a high loan & ended the call with me that way ; sending me an email 10 minutes later stating my 'case ' as closed. This is why they just recently got sued for millions in both Massachusetts & Delaware. I received a few voicemails from them threatening to come to my residence, workplace, or look up my siblings through XXXX and contact them ( which they did ), if I dont respond & that if no payment is made in the next couple of weeks, they will find me & repossess my vehicle. I really have no more money to pay them. I was just recently hospitalized & I'm still recovering and have rent and hospital bills to pay. I shouldn't have to pay them another dime. I want the title in my hand. Please help.
Company Response:
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I enrolled in Santander Consumer 's autodraft for my auto loan. They advertise " sign up for auto draft and never worry about a missed payment '', so I did that. I paid 71 payments on time ( {$14000.00} ) using autodraft and was never told that the last payment ( {$240.00} ) had to be made manual. Santander refuses to listen to their recordings to see that they NEVER told me it had to be manual ; therefor it did not get paid until I was sent a notification that my credit score dropped. Why would I pay {$14000.00} ON TIME and not pay the last {$240.00}? I disputed it directly with Santander in XXXX and again XX/XX/XXXX with more information. I disputed it with the 3 credit bureaus in XXXX. They refuse to delete the late payment comments even though the account is paid in full. I am unable to get a home mortgage due to this recent late payment because it is so recent and this alone dropped my score 70 points. I was told many conflicting stories from Santander and I would appreciate if they would recognize their fault in this. Do not advertise never missing payments via autodraft, do not record conversations if it is not used for quality purposes, do not tell me it is resolvable when it you have yet to delete the late payments.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: When all notes of a chapter XXXX were removed ( including the public record. ). Santander cont to report that I have a recent delingeincy. What Santander is reporting the the final payment from the chapter XXXX trustee. They are reporting the payment as my last payment prior to delinquency. My last payment prior to delinquency was XX/XX/XXXX. This inancuarte reporting tells creditors that I have a recent delinquency that is unresolved. This is not the case. My chapter XXXX was paid in full never missed a payment. No other creditor is reporting it this way. I have called Santander twice and sent A returned receipt request and 1st class mail outlining the relevant dates but nothing on all three credit reporting agencies have changed their erroneous reporting. I have all pertinent legal documents justifying the points made here today and they can be furnished upon request. All creditors final balances are paid back in XX/XX/XXXX or XX/XX/XXXX of XX/XX/XXXX. The last delinquency on all accounts were XX/XX/XXXX. I think its about time to let me off the hook on the account. Its the only one holdimg me back from rebuilding my credit. Could you please help me in getting Santander/XXXX/XXXX card services to report accurately. Thank you, XXXX XXXX
Company Response:
State: MA
Zip: 02324
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: SANTANDER CONSUMER USA {$7200.00} XX/XX/2013 This debt does not belong to me the car was not mines the car was sold by the company i had no knowledge that the car was gone or late or was sold until i information was reported on my credit
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: on XX/XX/XXXX, I was pressured into a predatory auto loan through Santander Consumer USA. They have mishandled the auto loan and are using unethical and illegal practices. They have used risk based pricing and are loan churning. I am being harassed with multiple telephone calls throughout the day and evening. The loan was XXXX at 23.43 % with 71 payments. To date, I have paid XXXX and Santander is alleging that I still owe XXXX. My maturity date is XX/XX/XXXX. This is not accurate. I am challenging the validity of Local, State and Federal Laws. Please see attached documentation that shows inconsistencies with payments and account information.
Company Response:
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To whom it may concern, I purchased a XXXX XXXX XXXX XXXX, on XX/XX/XXXX. I have made payments since XXXX, my payments are currently {$600.00} at a rate of 27 % and I owe approximately {$19000.00}. The problem is that I reviewed my credit report recently and noticed that Santander Consumer USA, started reporting my loan when I first purchased the vehicle and stopped reporting as of XX/XX/XXXX. Per the rules and regulations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681-1681y. If you are a furnisher of information to a consumer reporting agency ( CRA ), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher. Im insisting that reporting be resumed on my account as well as back dated until last XX/XX/XXXX until XX/XX/XXXX. The failure to report my consumer account is very frustrating since Ive been attempting to use this account to rebuild my credit.
Company Response:
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was in a car wreck on XX/XX/XXXX when I was hit by a driver who said he fell asleep at the wheel. I have been dealing with his insurance company XXXX to have them send the payoff check to Santander consumer USA. The check was sent off on the XX/XX/XXXX and has still not been posted by Santander. Ive called Santander each day and they are rude and unhelpful. The car was totaled and Im waiting on them to post the lost check from XXXX so I can get a new car. Im very frustrated with Santander and they are not providing me any information on getting my claim resolved.
Company Response:
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-06
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$14000.00} ]. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Company Response:
State: MN
Zip: 55412
Submitted Via: Web
Date Sent: 2018-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER USA was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I filed a complaint about Santander consumer and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. All bureaus has deleted the TradeLine except XXXX, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on XXXX. I have sent XXXX the same document Santander sent the CFPB, but instead they opened up a dispute and Santander has came back and updated the TradeLine. I have called Santander and XXXX multiple times to get this situation resolved but neither will give me an explanation. This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.
Company Response:
State: FL
Zip: 32506
Submitted Via: Web
Date Sent: 2018-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A