Date Received: 2018-08-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Santander Consumer USA is erroneously reporting a balance owed on a voluntary repossession. They failed to provide proper notice of auction or sale of vehicle and are now reporting an erroneous balance 7 years later of twice what they originally reported on credit bureaus. They failed to follow legal protocol in the sale and notification of collection efforts on account, never notified me, and after previously agreeing to rectify the matter and remove the erroneous debt, they are now reporting it again several years later. There should be a XXXX balance on the account and no adverse reporting, as the vehicle sold for more than what was owed on loan. Also, the loan was the legal responsibility of co-borrower and should not be reported in my name at all.
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX has been non-compliant with removing the unverified account SANTANDER CONSUMER USA XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SANTANDER CONSUMER USA 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: TX
Zip: 77060
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have a used car loan with Santander where I make a monthly payment of {$310.00}. I have recently gone through a financial hardship and have had a hard time making on time payments every month. I am looking to lower my monthly payment along with interest rate.
Company Response:
State: CA
Zip: 90277
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2018 my XXXX XXXX XXXX was totaled. My XXXX XXXX policy paid a claim of {$7000.00}. ( claim # XXXX ) Claim manager XXXX XXXX XXXX..ext. XXXX I called Santander today and my " estimated '' pay off is XXXX.. What does " estimated '' mean..I owe no late fees, XXXX XXXX claimed title so I owe no title fees. My phone was monitored for quality assurance..so if you have any questions about that..you have a recording. On XX/XX/2018 you will receive a payment for {$800.00} paid through my bank. I think it is highly possible you owe me $ . I expect to receive a statement stating I owe you {$0.00} yes that is XXXX
Company Response:
State: CO
Zip: 80634
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a robocall from XXXX at XXXX XXXX on XX/XX/XXXX. The recording stated that there was a summons for me etc. The debt was charged of on taxes, and I paid the tax bill, several years ago. The company is simply wanting to " double dip ''. The debt is from XXXX, I paid the federal income tax in XXXX so it was charged off in XXXX.
Company Response:
State: AK
Zip: 997XX
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an auto loan with Santander USA, which is almost paid off ( Balance {$470.00} ). This loan was a joint account with my ex-husband, which went with me upon divorce. I have struggled to pay this loan. The job I had for many years was eliminated, I had a very sick child which brought on enormous hospital bills, went back to college, etc. However, I have continued to pay this loan. In XXXX, I moved to a new state for personal reasons and my car payment that was due on XX/XX/XXXX was late, It was paid on XX/XX/XXXX, at XXXX XXXX prior to it being 30 days late. However, Santander reported it as 30 days late to the credit agencies. It should not be reported as late. The payment was online and instantaneous. In addition, I have gone through each bill of theirs and am in fact a month ahead of what they show. I have requested a complete and itemized audit of my account in the past, but have never received one. I personally spent hours going through each and every payment numerous times and each time show that I am in fact one month ahead. In addition, I wrote them numerous times asking for the exact payoff needed to close my account. I requested the information in writing. They did not even acknowledge that they received my requests, even though I have delivery confirmation. After all the years, I have been dealing with them, I would like written confirmation of the exact amount I need to pay them in order to own the XXXX XXXX XXXX free and clear. Thank you, XXXX XXXX ( they still have my account under my married name which was changed in XXXX, XXXX XXXX ) Account # XXXX
Company Response:
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I am hoping that someone from your office can help me with something. I have several collections on my credit bureau 's, but their not 7 years or older. I have paid them all off and they have zero balances. My wife an I are trying to buy a home, but some of the companies refuse to delete the negative history ; or delete the trade line. Each of these companies tells me that it is in the Fair Credit Reporting Act that they " must '' keep it on my report for the 7 years. The aggravating thing is that they also said that if I would have sent them a letter saying that I'm willing to pay it off " if '' they will delete it ; then they would take it off my report. But now that I've paid it, they claim they will not delete. Isn't that a double standard? I have been wrestling with them for 60 days now and I'm exhausted. I am a good man who has worked hard to " right '' my ship and be responsible. All I'm trying to do is buy my wife and children a home. I have already disputed the collections, but I'm running out of time with the offer my wife and I made for the home. All of my numbers are good ; i.e. debt to income, cash flow, my employment, and the price of the home is well below what it will appraise for. But I can't seem to do anything to get my credit score high enough to get approved. Please help me. Thank you.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After filing a complaint with this office on XX/XX/2018. XXXX XXXX has promised to make us whole and fix the reporting to all credit agencies. I have made several attempts at contacting the company and the company contacted me one time and stated they were still working on fixing the credit reporting of one of our accounts. According to all 3 credit reporting companies, 1 of the lease accounts still shows Early Termination/ Status Pending. We have received a check from XXXX with a refund of extra monies applied to our account in overage. This information does affect the credit report and has been affecting our credit reports for many months now. They refuse to correct their mistake and has sent notice to us the customer and you as the complaint receiver stating they were in the wrong and would fix the problem. As of XX/XX/18, our credit reports still reflect this information.
Company Response:
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Please reference complaint # XXXX. To Whom It May Concern, XXXX XXXX has failed to send the legal required accurate validation of this debt. They were notified that your actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. XXXX knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. XXXX failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at XXXX XXXX intentional infliction of emotional distress and at the other diminishes of the quality of my life. XXXX XXXX is fraudulently reporting this account with a balance of {$21000.00} and the past due balance as {$16000.00}. Please be advise my previous certified, notarized letter dated XX/XX/2018, requested your company to submit proof of accurate debt within 14 days from the receipt of the notice. XXXX not only failed to provide me with such proof of the debt but also failed to submit such documents to XXXX XXXX, XXXX, XXXX XXXX XXXX and The Consumer Financial Protection Bureau. Instead XXXX supplied proof to the CFPB, XXXX as well as I, confirming that the original agreement was for {$20000.00}, that XXXX received a total of {$14000.00} in payments from me in the form of check, XXXX and XXXX and that the car was sold at an auction in the amount of {$4000.00}. Which is proof that XXXX received a total of {$18000.00} for VIN # XXXX. That leaves a balance of {$2700.00}, which is the only amount that Im responsible for and willing to pay in order for this account to be resolved for both myself and XXXX XXXX ( co-signer ). As advised the original contract is considered NULL AND VOID. I am now demanding the immediate and complete correction or removal of this account from my credit reports ( XXXX, XXXX, and XXXX XXXX ). Please note debt collectors are prohibited from giving false information. Under the Fair Credit Reporting Act, only accurate, timely, and verifiable information can appear on my credit report. For this reason, Ive advised and requested that the Credit Bureaus, XXXX and CFPB have the inaccurate collection account removed from my credit report. Please understand that I am extremely concerned about the consequences of the actions XXXX XXXX is having on my life. Please be advised that, if this matter is not resolved by XXXX XXXX, I will take any and all necessary steps to protect my rights as well as form a class action lawsuit against XXXX XXXX. Per the CFPB I have grounds to do so as well as them investigating XXXX XXXX as this is only one of many claims against your company. Thank you in advance for your attention to this matter.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
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: XXXX retaliated againgst me for reporting them. Fraudulently stated I recently reported identity theft which I did not. Multiple disputes used the cover that I reported identity theft to avoid handling my legitimate disputes with XXXX XXXX, Santander and XXXX. XXXX should be investigated today the lowered my credit score 68 points because of XXXX XXXX a company that failed to advised what happen to my return and what they are ruining my credit over. XXXX should be fined for manipulating my credit score showing as if XXXX XXXX is a recent legitimate debt. Without showing debt or proof of debt.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A