Date Received: 2018-09-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Santander continues to illegally report on my credit a debt that they are claiming. They keep changing the account closed dates, the account number, and the amount so they can continue to report it. They have also fabricated a payment in 2016 so the reporting period would start all over. I have disputed this account both with Santander and with the credit bureaus. They then sold it to a reporting agency and had it reporting to my credit as 3 separate line items. I was able to dispute that due to the similarities. It was at that time that they added a false payment so that they could continue to report this as a bad debt on my credit reports. This debt is passed 7 years and due to their illegal reporting practices it continues to harm my personal credit files as though it is a brand new collection.
Company Response:
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Santander Consumer USA auto loan contract at 18 % APR, when diving into the billing of why after so many years our loan amount wasnt changing, it was then explained that its 18 % DAILY interest on the balance owed. I was called and solicited by Santander saying i qualified for reduction in payment for 6 months, what they didnt say is that this was going to be interest only payments, and not advise it was hurting me in the long run and tacking on 6 more months to my maturity date. They used words like 'congratulations, you qualify for this 6 month deal '. We have tried to argue their billing practices. About 70 % of each payment was going to interest, and even if making payment on same day each month, it seemed to fluctuate which amount was going to the principal. We have put in several complaints, even to their Office of the President. They called on XXXX XXXX, my father ( cosigner ) is a veteran, and i told them do not call back on that day. They put in a cease and desist on our account, which included not sending any billing invoices, statements etc! This was not asked for, and they still should be generating the statements online, and that wasnt that case. So we lost all visibility to our account during that time ( approx 3 months ) until we told them to remove that cease and desist we didnt ask for.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Santander has reported information on all 3 credit reports that was supposed to be removed XX/XX/2014.
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-12
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I just want to know what choices do I have as a consumer. The car loan company is Santander Consumer USA. I obtained a loan from this company for a used XXXX XXXX XXXX. The car broke down in XXXX after many financial setbacks to repair the vehicle. So I went to a dealership to trade in the vehicle. I still owed roughly 3000 dollars on the vehicle in which my note was XXXX and I paid from XXXX to XXXX. I was then put in a XXXX XXXX XXXX at XXXX. I have been paying on the vehicle since XXXX to Santander Consumer USA. According to Santander or XXXX is what I like to call them, I still owe over 9000 dollars. I just need to know what can I do. I have paid this company over 50,000 within the last eleven years and I still don't own a car. Also my maturity date in XXXX of XXXX.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2018-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX reported me late when I had been in contact with them to resolve the issues. I had been paying and making agreements with XXXX XXXX to not report me late but accept the partial payment until I could rectify the problem.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/XXXX XXXX XXXX I did go here to look at a car but backed out of car deal and still they ran my name to many times XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I never in my life asked for a credit card thru XXXX NEVER XXXX XX/XX/XXXX refuses to take any action!! Once Again didnt know they was running my name 10 times XXXX XXXX XX/XX/XXXX didnt ask for this to be ran either 2 XXXX XXXX credit cards XXXX XX/XX/XXXX I did not file for a card they XXXX XXXX ever!!!! XXXX XXXX XXXX XX/XX/XXXX did not ask for this to be ran either!!! XXXX XXXX XX/XX/XXXX didnt take action even tho I didnt apply for this at all! Never applied for this company says nothing can be done!!! XXXX XX/XX/XXXX refused to remove even tho I did apply for this card either!!! Santander XX/XX/XXXX twice didnt ask at all to be ran either all these are on my XXXX and some on my XXXX please help me with these! I worked hard to get my credit up and then I see all this and been trying for months to get help with removing all this off of my credit
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: In XX/XX/XXXX, I submitted a complaint regarding my loan with Santander Bank. As of this date, Santander has not been willing to come to a fair and reasonable resolution. In XX/XX/XXXX, I financed a XXXX XXXX XXXX with Santander USA. The cost of the vehicle was {$13000.00}. The finance charges for a 6 year loan amounted to {$12000.00}. Total amount : {$27000.00}. During the time of purchase, a down payment of {$1100.00} was applied, reducing the balance to {$26000.00}. Over the life of the loan, I have submitted payments amounting to {$24000.00}. Given this Santander is reporting that I still owe {$7300.00} ( payoff amount ). Per Santander, this amount is the result of submitting late payments. I have previously stated that the my finance contract is not clear. Nothing in the contract clearly states that submission of late payments will result in the increase of interest ; only late fees. Given my dilemma, I have researched what a simple interest loan is ... however, this is not clearly stated in my contract ; and is was not explained to me by the salesperson or finance person at the dealership. Knowing this, I would not have accepted the loan. Financially, I am not doing that well at this time. I still owe money on my student loan, I have deductions taken out of my check to pay for other loans. This is not a good situation to be in at all. My wages are eaten up in bills. I do not understand why this company would operate in this manner. It is understandable that all loans should be paid on time. However, given, the type of customers Santander approves loans for : bad credit - ( resulting in higher interest rates ). Why would extra interest be applied to a loan when one has shown a hardship in making payments? In XX/XX/XXXX, my payments were current. Actually, in XX/XX/XXXX my next payment was not due until XX/XX/XXXX. Given this, I submitted two partial payments in XX/XX/XXXX or XX/XX/XXXX ; not sure. What I am sure of is, the full payment submitted in XX/XX/XXXX - no money was applied to the principle balance and the total payment amount was applied to interest??? I called Santander several times, and the matter was never resolved. This is the type of unfair business practices that myself, and many other customers are experiencing. The internet has many complaints from customers expressing my concerns or similar concerns. Why? This is not my first car loan. However, this is the first time that I experienced late payments resulting in late fees and additional interest. If this is the practice of this corporation, an outline and clear breakdown of their practices should be stated in the contract. With the current reported balance, this contract will never get paid as additional interest is being applied to the loan when payments are late. Please, I am asking that Santander works with me to payoff the remaining balance - {$26000.00} - {$24000.00}. Amount - {$1600.00}. I read an article from XX/XX/XXXX that the CFPB was in talks of filing a class action suit against Santander. Whether this is accurate or not, legal action is a last result. My request is that a fair and reasonable solution be the outcome.
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I went to XXXX XXXX XXXX in XXXX GA XX/XX/XXXX. My car had broken down two days prior to this date, and they drove 5 plus miles to get me for the XXXX XXXX I had applied financing for online. When I got there, the car had just sold. I was offered a XXXX XXXX for a little cheaper price. After signing the monthly payments went from {$250.00} to {$320.00} because of credit. With a six year loan payment and with four years in at a 28 % interest rate from Santander Consumer USA, I have maybe paid {$400.00} in principle. Looking back at the time Im paying {$25000.00} for an {$11000.00} car with at the time a {$20000.00} annual income before taxes. I was originally told I could not get approved without a cosigner, and when I didnt have one, they said they would make it work. So fast forward a year and a half later to XX/XX/XXXX, I had paid my car payments via money order for the whole period of time of having my car. During XXXX payment nothing changed, I made my usual payment of {$320.00}. On XX/XX/XXXX I received a call that I was late on my payment, and that I needed to make a double payment ASAP. So I explained how I mailed a money order in weeks ago, and they said it was not posted and insisted I pay double. I immediately called XXXX XXXX and they told me it was cashed on XX/XX/XXXX. I would have to pay {$12.00} to find out more information, which I did. Weeks later I got a photocopy of an altered money order, which said Pay to the Order of XXXX. The back of the photocopied money order had a stamp of deposited from XXXX XXXX XXXX in XXXX XXXX, Texas. They werent allowed to release any information, other than it is an account with them. I called Santander back and spoke with a CSR who told me XXXX is one of their subsidiary companies. After that call, my number was automatically transferred to the Office of the President every time I called. They told me no one from their company would alter, change, or write on a check, and cash it. They told me someone from XXXX ( supermarket ) where I purchased the money order must have done it. This logic made no sense because how would someone from XXXX in XXXX, GA know about a subsidiary company of Santander in Texas, and then why would I then sends you that money order. They refused to take accountability and they could not find the check that was cashed. On XX/XX/XXXX I received a check from Santander which I still have to this day with my exact payment on it. When I called to ask what this was they told me they have no idea and there are no records of it anywhere and to just deposit it, and if it clears its all yours. Exact words of the rep! I refused to cash it and asked to speak to someone form the Presidents office. That night I spoke with a lady who told me to cash it or it will be applied digitally to my account. I refused to cash it and we went back and forth for weeks on XX/XX/XXXX I received a letter of repossession stating to pay on the XX/XX/XXXX. I refused and no repossession. They tried many scare tactics for me to cash this phantom check that could not be located anywhere in their system. This continued on for well over a year. On XX/XX/XXXX I sent a demand letter asking to be let out of my loan. One I have more tan paid the value of the car two ; its a federal offense to alter a payment of any kind. It reached someone high up who told me the same thing ; someone from XXXX must have done it. I replied how would anyone do this and even know about it. He then rebottled with sometimes the computers have companies saved, which is true. This was hand written ; he paused, and asked me to send him a copy. Which I did immediately, and after going back and forth for a few days he stated that I would have to go forward with legal matters because he was not letting me out of my loan. On XX/XX/XXXX, I called asking for interest rate and they told me I had an extension applied to my account in XX/XX/XXXX because of a late payment in XX/XX/XXXX. This was the payment stolen, altered, and cashed. and I didnt sign for an extension ( which is policy ) because why would I do that when I paid on time and someone from your company illegally forged and cashed my payment. I asked for a recording of that day in XXXX when I supposedly requested an extension they said okay, and it would take a week to 15 days. It is now XX/XX/XXXX and I am now being told well pulling recordings can take some time. Reading other complaints on different forums, and the class action lawsuit complaints, the altered check has happened to other customers as well as the lawsuit which was a win where Santander settled for XXXX XXXX dollars charging people high interest rates it knew customers couldnt afford. I have gone back and forth with them for two years.
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Santander Consumer USA ( closed ) Is over 7 years old. This should be removed because of the age. Last payment was in 2011 please see the attached XXXX old credit report stating the correct dates. Every time the company ( Santander Consumer USA ) is contacted it seems they keep changing the final dates. Thank you
Company Response:
State: WA
Zip: 98087
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A