Date Received: 2018-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contact company ( Santander ) at end of XXXX to inform that I paid for XXXX months payments in XXXX in the amount of XXXX for XXXX and XXXX. Calle rstated company has 30 days from the date recieved to inform credit Bureau. I stated its past the 30 days and i was informed to file a dispute with credit bureau. I filed a dispute no actions taken. I called back in middle of XXXX I was told issue will be escalated and fix still no change. I contacted company again in XXXX filed a compliant since it has not been reported that I made a payment for XXXX and XXXX and was informed complaint will be resolved in next business day still no resolution nor has issue been resolved
Company Response:
State: GA
Zip: 30253
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: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Since the beginning of XXXX, Santander has disabled my online account so I am unable to see the amount I owe, make a payment, request a payoff, and any other action that I need and or want to take with my loan. They are trying to force me to pay using one of the methods where they charge clients to make a payment, The practice of charging consumers, who are struggling to make their payments and meet their bills, to pay their bill is despicable and wrong. I have not missed a payment or been late. Yet they have shut down my account to force me to do something I have not agreed to do.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: On or about XX/XX/18 I make a cease and decease letter to XXXX XXXX , XXXX Assignee of Santander Consumer USA , INC and to Santander Consumer USA, INC in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe XXXX XXXX XXXX XXXX anything they brought this debt and my account with Santander is closed. Can you please assist me further with this matter.
Company Response:
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: Hello, I leased a XXXX XXXX XXXX through XXXX XXXX on XXXX XXXX, XXXX. I now have 4 payments left on the lease. The car has broken down twice, the first time on XX/XX/XXXX. The car just stops dead with a check engine light on. Both breakdowns occurred on a busy road and the car was almost hit several times. I picked up the car the first time on XXXX XXXX. The car lasted 2 days and broke down again. The car is still at the dealership 2 weeks later. They do not know what is wrong with it, nor is there any communication from the dealership with updates. I have requested that the dealer release me from the remaining lease so I can get another vehicle. I owe only 4 payments and requested waiver of the early termination fee. They will only do so if I purchase or lease another vehicle from them which I will not do because the customer service is nonexistent there. The lease holder, XXXX XXXX offered no assistance. I am expected to continue to make payments on a car that is not usable. When I requested a loaner car I was not assisted and needed to call XXXX XXXX XXXX XXXX to secure a vehicle. I have had to do this twice. I have a rental car bill of {$470.00} to pay for this first car and I am incurring another bill for the second car which is adding up every day. I have lost 2 days off from work because of this also. I need this terminated with no negative effect on my credit rating. The local dealership I used is XXXX XXXX XXXX. They are located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX : XXXX or XXXX. The address I have for XXXX XXXX is XXXX. XXXX XXXX, XXXX, TX XXXX. XXXX. XXXX Thank you for any help you can provide.
Company Response:
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Complaint file against Santander consumer # XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX This is a notice of Direct dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the information that you have posted to my credit files. I recently contacted you in writing on XX/XX/2018 & XX/XX/2018 by certified mail ( USPS ) concerning the above partial account number. I never did receive a reply back from you. Recently, I have taken matters in my own hands to contact the FTC, CFPB & XXXX on a few separate occasions and I have disputed directly with all three credit bureaus, XXXX-XXXX XXXX and XXXX pertaining to this account. I am providing my information solely for investigation purposes and for you to cease reporting this account to the three credit bureaus, until proper validation is verified. Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in the Notice of Dispute, to complete your investigation and report back to me the results, within 30-days of my Notice of Dispute. In addition, I humbly request that you provide me with a complete, copy of any signed contract & any agreement/s that myself and Santander may have, including a total breakdown of the balance you believe that I owe and furthermore the date/s that this said account was opened/closed and who opened this account and who is still using this account? If this account has been sold to a debt buyer, please provide the debt buyers information with me though the mail. If this account isn't validated within the 30 days, you will have to eliminate the debt off of my three credit reports per the FDCRA. Please note : I have taken further action and sent out copies of my previous certified letter that was sent out to you on XX/XX/2018 & XX/XX/2018 to the FTC and CFPB and three credit bureaus to protect myself. Thank you for your cooperation in this matter, I look forward to promptly hearing back from you.
Company Response:
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2018-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: this vehicle was repo under my ex spouse possession. I was never notified about the repo or called about this matter. My ex spouse never saw a court letter or any type of document. I was XXXX XXXX ( XXXX ) and now I'm a XXXX veteran ( 100 % permanent and total ). This is not right, not the way we treat are XXXX veterans!
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2018-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My vehicle loan with XXXX XXXX XXXX was in default and the finance company took the steps to remedy this default by repossessing the vehicle. Once the vehicle was repossessed, I was sent a figure about what was owed to pay off the vehicle. Approximately a month later in XX/XX/2018 I received a check for approximately {$2100.00} dollars as surplus from the vehicle being sold and paid off and the amount of {$16000.00} was removed from my credit report for this debt. During my attempts to cash said checks, it was advised through my financial institution that a stop payment had been issued onto the check. I called to confirm what had happened and was advised that there was an error in sending the check and in fact the vehicle had been sold but due to an internal error the check shouldn't have been sent out. My credit score monitoring apps showed that my car had been paid off and the balance was no longer reporting on that debt. Then this week, after no calls, letters, or any indication, my credit scored dropped 30+ points right when i was working on a pre-approval letter for the purchase of a home. So now, I have a score that is vastly reduced, a debt that was satisfied through the sale of the repossessed vehicle, and a current derogatory payment on my credit file for something I had no idea existed. I would like the entire item post XX/XX/2018 removed from my consumer credit report due to numerous errors.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I called Santander Consumer USA to request a copy of my contract on XX/XX/XXXX/XX/XX/2018, I never received the contract. I called today, XX/XX/18, to request the contract to be mailed and faxed. The copy that was faxed to me is not legible. The print only covers approx 1/3 the width of a standard 8x10 sheet of paper. I called again to request a legible copy of the contract and was told I would have to wait " up to 24 hours ''. I also called in regards to the company reporting a 30 day late prematurely. I made the payment on XX/XX/18, which shows credited to my account on XX/XX/18, via the online portal. However, when I called I was told by XXXX XXXX XXXX XXXX that the payment shows posted on XX/XX/18. I was told on a separate call by XXXX that is the reason it was reported 30 days late, as they report to the credit bureaus on the XXXX of each month. Additionally, the payment made on XX/XX/18 shows as having been applied entirely to the interest, the amount of that payment was {$340.00}. I would like an explanation for this, and a correct adjustment. I would also like my account to be audited as I am concerned that Santander Consumer USA 's inaccurate reporting/recording has compromised my account.
Company Response:
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Due to some uncontrollable circumstances, I had some late payments with this company. This was a very unfortunate time in my life. I have always been a loyal customer. Even after this debt, I paid off the account. the account shows on my credit report and it is paid, however I would like for Santander to remove this completely from my credit report as a 1 time courtesy for a loyal customer who paid his debt.
Company Response:
State: MO
Zip: 63017
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I previously had a car loan with Satander Consumer back in 2014. Since then, the account has been closed. However, according to my credit report the account is still open. Although I do not have a loan with rhis company, my mother XXXX XXXX does, but for a different vehicle.. As such, I have paid for her loan using my credit cards and assume the errors are from misapplied payments (? ) Regardless, this account is still being showed as active on my credit report and it is NOT nor has been for several years.
Company Response:
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A