Date Received: 2018-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Applied for one car loan and the dealership ran my credit through several banks without my consent
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2018-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Applied for one car loan and the dealership ran my credit through several banks without my consent
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2018-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX XXXX XXXX reported me 30 days late on my auto loan in XXXX. I called in on XX/XX/18 & the representative confirmed I was only 21 days late. I requested to have the information corrected and was told that I would have to send a letter to dispute the inaccuracies. I have now sent in 3 letters with no response.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2018-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX has reported to my XXXX credit report that I was over 30 days late on a car payment I was not late I filed a claim for lemon law for that car and XXXX bought the car back because of the problems with the car. The offer was made to buy the car back on XX/XX/2008 I turned the car into XXXX I have no idea why it took them past the 30 days to pay off the the car
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2018-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-27
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Open XX/XX/XXXX I had a installment loan that I couldnt afford anymore because my personal debt of income ratio started to get high and l was out of work for a while so the loan was default on and car repossessed XX/XX/XXXX with a balance of {$0.00} because the account was sold to another company.and it is still being reported on all 3 credit bureaus as negative. action taken I sent out letters through 3rd parties but nothing has not been resolved.
Company Response:
State: TX
Zip: 76010
Submitted Via: Web
Date Sent: 2018-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: in the beginning of 2017 after purchasing the vehicle, we began having trouble keeping up with the payments. We were afraid of loosing the vehicle so we turned it back into the dealership so we would not have to go through with a repossession. We also made sure we paid in full what was owed. I recently ran my credit and it is incorrectly reporting as a charge off/ repossession. I take pride in maintaining my credit and have never had blemishes in my credit before or after this. Please have this information removed from my credit. I have reached out to the company many times before and we have not had any resolution.
Company Response:
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: In XX/XX/XXXX, I, XXXX XXXX ( primary owner ) and XXXX XXXX ( co-owner ), were given a 25 % interest loan for a XX/XX/XXXX pre-owned used car. We didnt know much about car loans then and thought we were doing a good thing. Weve been paying {$390.00} for 2 years now and just found out this year that payments did not apply to the principal until XX/XX/XXXX. We noticed our loan was never going down when doing our taxes. Our car is at {$150000.00} and {$13000.00} is still owed on it. We have about 1 more year of use on this car and would have to pay {$1400.00} a month to pay it off before it can no longer be used. We have two kids, two kids and just want some sort of relief from this horrible interest rate. We pay on time and faithfully. Please help! No one will refinance the car because its NADA value is upside down its loan amount. We didnt know better and now we do.
Company Response:
State: TX
Zip: 75243
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As of XX/XX/2018, XXXX XXXX is reporting a currently open account that payments are being made on ( not late, current as of XX/XX/XXXX ) as a chargeoff and showing it was charged off for $ XXXX. They also show for the past year that the account has been in charge off status under the monthly payment record, which is also incorrect. They are also showing that 0 payments have been made on the account and that the most recent payment is XXXX, which is untrue. I have attached the payment history as well as the current account status. I contacted customer service whom gave me a mailing address and said that the credit reporting department doesnt have a telephone number. I also filed a complaint with the credit bureaus and they wont update the information either. The account is current and XXXX XXXX refuses to update the account status to the credit bureaus while still receiving payments from me. I have not received a response from XXXX XXXX and am mailing a certified letter to the PO Box on XX/XX/2018.
Company Response:
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Auto was repo and sold and I never received proof of sale which was sent to someone else. Sent 3 request for the loan to be validated, in XX/XX/2018, just received document and shows all paperwork was issue to someone living in Texas, which I have never lived. The car was repo from my current address in Ohio where I have lived and currently still live. Received payoff for $ XXXX, which is fees when balance was {$8700.00}. Never received notice of sale of auto.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I had a loan opened up in XX/XX/XXXX with XXXX. A couple of months later Santander Consumer USA bought the XXXX company or loan. I made over 100 payments ( some not all the full amount but still made what I could ) on this account. I have spent my entire weekend computing the charges they charged me and the payments I made against THEIR copy of my payment history. They repossessed my vehicle in XXXX or XX/XX/XXXX. They charged off the account well before that while I was still trying to make payments and are still saying that I still owe them over {$4200.00} on the loan. They say that I was not paying off the loan because I kept accruing Interest fees DAILY when the front page of my original contract ( because Santander kept telling me THAT PAGE is ALL THEY had ) states that my loan was for {$15000.00} and that by the time all payments were made at 18 % as a YEARLY Rate, that my payments would amount to {$26000.00}. I made payments of WELL OVER {$26000.00} to their company. I know that they have had illegal allegations and lawsuits against them for this very thing. My husband and I are trying to buy a house and because Santander says that I still owe them over {$4000.00} when I have paid off every penny and then some of the original {$26000.00} loan I had with them, we are having trouble getting financed for our home. Santander has been asked MANY times by me to give me a FULL ACCOUNTING REPORT of my Account and they REFUSE to do so. They also REFUSE to give me a copy of the ORIGINAL LOAN PAPERWORK. They told me many times before repossessing my van ( which I finally just let them have voluntarily ) that I was accruing interest daily but would never give me a copy of my original contract to prove that to me. Most of the payments that I made to them they never even split up between Principal and Interest, they credited the whole payment to INTEREST and then they added fees that I don't even know what some of them were for. I do know a few were for the couple of times that they repossessed my vehicle because I got behind in the payment. They continually call my phone with an automated message to call their " servicing department '' when they took my van over TWO YEARS ago. They sold the vehicle for over {$2500.00} at auction. My payment history that I was able to get from their site before they took my vehicle shows a balance of {$2300.00} but they are still reporting to all CRA 's that I owe over {$4000.00}. Which the amount should have covered the balance due on the account. I have tried to work with this company but I know that they have a lot of illegal practices and have read a lot of complaints about them from other consumers for the very same thing on the internet. I can't find anyone else to help me get this taken off my credit or at least to have them fix it showing that I really do NOT owe them anything. This is why I am reporting them to the CFPB.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A