Date Received: 2018-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with Santander. He then informed me that it was for my XX/XX/XXXXXXXX XXXX In which I bought from XXXX and not XXXX. I have had my vehicle since XX/XX/XXXX so I am not understanding why Santander ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with Santander or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : SANTANDER CONSUMER USA Not Proven Compliant Account : Inquiry from date XX/XX/XXXX
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-30
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: In XX/XX/2015 I leased a new vehicle using XXXX XXXX for the 36 month term. As the term approached maturity, within 90 days, they began to call me to inquire as to what my intentions were at the end of the lease. I immediately informed them I would be purchasing the vehicle at the agreed upon price. They proceeded to call me every three to five days and asked the same questions and state the same policies about lease ending practices. I repeatedly told them I would purchase the vehicle at lease end. The calls never stopped. Let me add that I was never late with any payment for the entire term. As promised, and as directed, I acquired a cashiers check for the payoff amount and sent it certified overnight within ten days of maturity. The company received the check and signed for it. The next day, the calls continued with the same old questions as to what my intentions with the vehicle were. My complaint is about harassment and lack of follow through with customer requests regarding a large amount of money. I was NEVER late with a payment and did everything I was requested and required to do, however I have over 20 documented XXXX calls berating me at lease end over a 3month period.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: We received a credit breach alert XX/XX/2017. After reviewing our credit report found a fraudulent loan from XXXX XXXX. After many hours of research found ID Theft utilizing my information occurred in Pennsylvania. Police report was filed, Pennsylvania District Attorney found fraudulent auto loan document, notified XXXX XXXX, they in turn notified the three reporting agencies XX/XX/2017. Upon recent credit report review- and after several notifications to XXXX- the fraudulent loan remains on the XXXX credit report. At this point I am unable to review XXXX and XXXX not able to access their website. Thanks in advance for any assistance you can provide.
Company Response:
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2018-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I tried to pay my XX/XX/2018 monthly loan bill but Santander system isnot working and will not take paymnt. They say that they are open at XXXX and I called before going to work but the recording says they are still closed. I can not call them when I am at work and Santander onlinewill not take my payment. They are making me pay monthly bill late.
Company Response:
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I mailed a principal payment in the amount of {$6200.00} overnight via XXXX on XX/XX/18. It was received and signed for on XX/XX/18. They posted the check on XX/XX/18 and back dated it to XX/XX/18 and it should have been back dated to the date received which was XX/XX/18. I called customer service and then escalated to a manager, I advised I should not be paying interest on {$6200.00} for 7 days that the check was floating around their office and that the check should be back dated to the date received which was XX/XX/18. The manager told me " they post the check when it comes across their desk and they are in the XXXX so they don't have to follow the rules of the USA ''.
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In 2013 I was in a very bad car accident I was t boned by someone who ran a stop sign. My vehicle was totaled. I had only had it for 1 year. XXXX sent the loan company a check to pay off the vehicles value its been almost 6 years and I am still seeing $ XXXX owed in my report. This was a long legal battle from my accident and the balance wont go away its hurting my credit and affecting me to become a new home owner
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company ( SANTANDER ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$7400.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Company Response:
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2018-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: On XX/XX/2018 I purchased a Jeep, VIN XXXX, from Momentum XXXX XXXX XXXX XXXX in XXXX, CA 1 ) I believe I was discriminated against regarding application of credit for car loan. My credit score was over 709 at the time of application. Dealer ran excessive credit reports which lowered my score to XXXX. 2 ) The interest rate charged was 16.99 % after initially told it would be 6.9 % 3 ) I was to be the co-buyer with my daughter, XXXX XXXX, whose score was XXXX. On Sales Contract I was listed as the buyer. XXXX was listed as co-buyer. 4 ) HIGH PRESSURE SALES TACTICS were used by Finance Manager XXXX XXXX. Mr. XXXX insisted I HAD TO BUY SERVICE CONTRACT or I could not be financed. I vehemently refused. The car has approximately 17K miles. The manufacturer 's warranty is still in-effect. The basic to XXXX miles and powertrain to XXXX miles. The dealership advertises additional FREE powertrain warranty on ALL CARS PURCHASED up to XXXX miles. We were at dealership for over XXXX hours. After I refused to buy additional warranty, XXXX said it was the only way I could be financed at the 6.9 %. Now the interest would not be given at 6.9 % but XXXX.99 because of my daughter 's low credit score. My daughter was in tears. She was to start a new job that Monday I signed sales contract. I paid {$1500.00} via my debit card and my daughter paid {$500.00} via her debit card. The downpayment totaled {$2000.00} 5 ) Dealer sent NOTICE OF ELECTION TO RESCIND SALES CONTRACT via United States Postal Service Certified Mail, Parcel # XXXX XXXX XXXX XXXX XXXX received XX/XX/2018. 6 ) Election to rescind due to " unable to assign the contract under terms acceptable to us with the financial institution with whom we regularly deal. '' AS I HAVE GOOD CREDIT, THIS ACTION CERTAINLY APPEARS DISCRIMINATORY AND FRAUDULENT.
Company Response:
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Santander Consumer USA As of yet, I have not heard back from you in over 60 days regarding my notice of dispute : You have not supplied the demanded proof of the alleged debt, therefore under the doctrine of estoppel by silence, XXXX v XXXX, XXXX XXXX XXXX, XXXX ( Mo ), I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. You took my car involuntarily without any notice. Furthermore, You gave me a car that had a previous accident without notifying me as well which I've found out a week after when i took it to XXXX to fix some issues I've got with it. I have the papers in hands to justify. Below, you'll find the copy of what XXXX revealed about The Car. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter : 1. What is your authorization of law for your collection of information? 2. What is your authorization of law for your collection of this alleged debt? 3. Please evidence your authorization to do business or operate in the State 4. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. Failure to respond within 15 days of receipt of this registered letter will result in a small claims action against your company. I will be seeking at least {$5000.00} in damages for the following : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. Sincerely,
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I leased a new XXXX through XXXX XXXX. I have been driving the car for 3 weeks now and just received a letter from XXXX telling me they raised my monthly payment by {$4.00} because the tax rate was different where I live verse the area where I leased the car. Can they do this or is my lease contract binding for my agreed payment. I leased the XXXX at XXXX XXXX and live in XXXX XXXX Florida. XXXX claims there is a 1 % difference in the tax rates. No where on my lease does it say this may be done.
Company Response:
State: FL
Zip: 32174
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A