Date Received: 2018-08-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am writing to file a complaint against Santander. I filed for bankruptcy in XXXX of XX/XX/2018and around the time of bankruptcy filing Santander removed the account all together from the credit reports. Santander was included in bankruptcy and now that my bankruptcy has been discharged all together Santander suddenly reappears on my credit reporting showing it as a charge off/action collection on XXXX XXXX, however, on other credit bureaus they are showing as included in bankruptcy with a zero balance.
Company Response:
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER U 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: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2018-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-23
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I called Santander consumer USA about my account to ask about assistance due to the California Wildfires specifically the XXXX fire which was declared a Federal emergency. I advised them that fire caused a hardship because of loss of income. It states on their website to call them and ask for help. I advise them that I had been out of work for a few months and and had started working a about a month before the fire hit and caused my work to. I then advised them that I would make a double payment on XX/XX/XXXXto help bring my account current. I spoke with XXXX who submitted the request and advised it would have to be approved by upper management and would take about 24-48 hrs. This was onXX/XX/2018and I was told that a payment extension request would take care of 2 months of XX/XX/XXXXand XX/XX/XXXXor XX/XX/XXXX and XX/XX/XXXX. In about and hour the request was sent to my email stating that it was denied due to payment history. I gave them the reason why the account fell further behind due to a natural disaster. I would have been able to make the payment if I didn't miss two weeks of pay. I would have been able to make at least the XXXX.Either way I would have to make two payments of XXXX each by XX/XX/XXXX. I also called in on Tuesday XX/XX/XXXXand was told my husband has to speak with them because he is the borrower on the account even though I am authorized to speak on the account and I have made decisions before. I was never told that the account was up for repossession in all of the times I have called no rep ever told me that. I also assured them that I would be able to make future payments on the account because I now have stable income coming in on a consistent basis. I am really trying to get some help the fires set me back about 2 weeks of pay and other expenses. I would really appreciate if someone could help set up some arrangement or help. Thank you.
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2018-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: For almost two years I have made payments on time to Santander Consumer USA for a vehicle financed through their company. In XX/XX/2018 I was taking out a refinance loan on my home and decided to pay off the vehicle. The refinance company cut a check to Santander in XX/XX/2018 but went over the payment deadline for XX/XX/XXXX and advised us not to make another payment because they already cut the check. I notified Santander that we were going to stop the payment from coming out of our bank account because the check was already cut and on its way to them. Santander received and cashed it only to report us negatively to the credit bureaus TWICE dropping our credit score 100 points. They cashed the check two weeks ago and we have not received the vehicle title and after they cashed the check they reported to the credit bureaus negatively even after they were aware in XX/XX/XXXX of the situation. When we called at the beginning of XX/XX/XXXX to resolve the issue they said it was policy to report it negatively to the credit bureaus per a policy that does not exist.
Company Response:
State: PA
Zip: 155XX
Submitted Via: Web
Date Sent: 2018-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have recently been through extreme financial hardship last year to include almost being evicted from my home, and when I contacted Santander Consumer they graciously helped me resolve my missed payments by granting me a deferment on my loan and now I am current and have been since my new job in XX/XX/XXXX. The deferremnt moved all of the missed payments to the end of the loan with anew maturity date thus making me current. I was assured that this would take full effect and that my credit would not be jeopardized as I was now current. I have disputed the late payments that are reporting on my credit with Santander on several occasions with credit bureaus to all come back verified by Santander. How is this accurate if my payments were actually deferred per my signed agreements? These inaccurate late payments have decimated my credit worthiness and have hindered the improvement I am making in paying my bills on time.I am forever thankful to Santander for extending the deferment to me and would like for them to remove the inaccurate reporting of the lates I have on my credit. The lates are as follows : XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late XX/XX/XXXX : 30 day late
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
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: Tried disputing over a year ago but did not get anything resolved.
Company Response:
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER U which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER U 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: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX- XX/XX/XXXX last four ssn-XXXX XXXX XXXX- XX/XX/XXXX last four ssn XXXX XXXX XXXX XXXX XXXX , Il XXXX Late payment removal request regarding account # XXXX VIN # -XXXX XX/XX/XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : We have been loyal customers of Santander Consumer USA for over a year and couldnt be happier customers. Unfortunately, in XX/XX/XXXX we experienced a life changing blessing and a hardship at the same time causing us to fall behind on monthly payments. It was an exceptionally busy time in our life as we were balancing the XXXX of our XXXX XXXX in 4 years ( ages XXXX, XXXX, and XXXX months ). Our newest child was born on XX/XX/XXXX XXXX XXXX ( joint account holder ) was on FMLA XXXX leave for 12 weeks XX/XX/XXXX-XX/XX/XXXX and I was on FMLA XXXX leave for the month of XX/XX/XXXX with NO PAY causing us to fall behind on rent, groceries, and Santander car note. Now that we are both back at work, I honestly could not associate with the person that let this payment obligation go unattended I fully respect our obligations with Santander Consumer USA and have worked diligently to amend my relationship with you by regaining your trust. A brief look at our account will reveal that our account status is current and furthermore we have enrolled in monthly auto pay to prevent any future issues. We have begun search for a home and a much larger vehicle due to our family growth. We are currently undergoing credit repair and plan to use Santander USA in the near future to finance a new truck. The attention that our late payments with Santander USA may negatively affect our chances of obtaining a home and new truck. In light of our renewed focus and demonstrated commitment to rebuilding our trust with your company, We are requesting that you give us a second chance at a positive credit rating by revising the 3 late payment ( s ) as reported on our three major credit bureau files ( XXXX, XXXX, and XXXX ). I sincerely hope Santander Consumer USA believes in their customers and I humbly request your consideration to allow me to pursue the home and truck of my dreams. I appreciate your time and look forward to receiving a favorable decision from you department soon. Regards, XXXX XXXX & XXXX XXXX In addition we can provide all documentation that support our claims upon request ( FMLA forms, check stubs, rent receipts, etc. )
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted Santander in XX/XX/2018 to make my payment before being reported late to credit bureas. I was given inaccurate information regarding my account and when account could be paid before being reported late. I borrowed money from my mother and had her to contact Santander to pay them in my behalf. The customer service representative gave her my account information without my consent, which is against policy and violated my privacy. I later called to speak with a manager and was told the call would be investigated and I'd receive a call back on the following XXXX. I never received a call and they inaccurately reported my account 30 days late with the credit bureau. I have called, written letters with no response at all over the last 6 months. This information needs to be corrected as I was not late based on the payment.
Company Response:
State: MN
Zip: 55125
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a car financed through Santander and the car was repoed in early XXXX. The account was sold to XXXX and I paid it off in XXXX ( settled for less than what was owed ) but they consider it paid in full. Both Santander and XXXX show it paid in full but thats they problem ... they both show it so it is a duplicate reporting of the same debt. Ive contacted them over and over but they and they refuse to remove one of them.
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A