Date Received: 2018-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX is reporting a XXXX reposession on my credit report its been over 10 years thats should not be on my my credit report as XXXX XXXX XXXX was paid and transfered to cascade capital.
Company Response:
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2018-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Was told by Santander bank to pay XXXX dollars they would wait till I get my check on 4th Wednesday as usual to pay the balance they lied repo rhe car that Friday told me I can get it back if I pay the repo and storage fee 2 they knew I couldn't afford that they wanted to auction the car off and they did that Monday and got about 10,000 sent me a letter and telling me I owe the balance they are a crooked bank taking the car so they can sell it and still get the balance from me when the car was repo it was XXXX and something left to pay how they still reporting 17 after then sold it for ab9 a XXXX and this year they tried to send to my credit report I miss a payment when the account be written off inXX/XX/2016?
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2018-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I signed a promissory note and security agreement with XXXX ( XXXX XXXX XXXX XXXX XXXX ) in XXXX of XXXX. My contractual payments were automatically withdrawn from my checking account. However it seems that my loan was transferred to Santander Consumer USA in XX/XX/XXXX. As far as I know the terms of my contract did not change, but automatic payments were unilaterally terminated without my notice ; which resulted in my car being repossessed by Santander Consumer USA on XX/XX/XXXX. I did not agree to have my payments terminated, nor did I ever agree to any terms with Santander. The reason I had automatic withdrawals set up was so I did not have to worry about my payments. At the same time it would not occur to me that payments were not being made. If the transfer to Santander had never happened I would not have defaulted on my loan and my car would not have been repossessed.
Company Response:
State: NY
Zip: 11215
Submitted Via: Web
Date Sent: 2018-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX and XX/XX/2018.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-21
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Called Santander Consumer USA about my XXXX mother 's account. She financed a new truck with them in XX/XX/XXXX with a 72 month contract. The contracts first payment was for XX/XX/XXXX. She got 6 months worth of payments ( 6 payments ) moved to the end of the loan due to illness. The current maturity date is XX/XX/XXXX ( today ) but the balance is still {$9000.00}. I went over the transaction history and most of the payments she made went towards interest, i.e. her payment is {$540.00} but $ 300-500 would go towards interest. This account should be paid out by now unless there is something I'm missing. I need for you all look into her account for me and make sure their actions are justified.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander Consumer USA is reporting my loan to all 3 credit bureaus as Closed Charge-Off with a balance of {$11000.00}. I paid my account in full and on time from XX/XX/2013 until the end ... also the # of months is showing 81 my loan was for 60 months not 81.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2018, I received a call from XXXX XXXX of XXXX XXXX XXXX, XXXX, XXXX, debt collectors. My case number is # XXXX. She was calling about a XXXX XXXX on which I owed a balance of around {$7000.00}. She agreed to settle the case for {$4300.00}. I paid it and Ms. XXXX sent me a document releasing me from any further responsibility for the debt. This morning, I received a phone call from Mr. XXXX of XXXX XXXX XXXX, XXXX ( caller ID ), who gave me a call back number of XXXX, case no : XXXX, amount owed : {$7000.00}. Mr. XXXX said they had sent several letters to an old address to warn me that his law firm, who had power of attorney over the debt, was taking me to court and that I could pay upwards $ XXXX for the outstanding debt. I informed Mr. XXXX that I had already paid that debt. He began to yell at me telling me I paid the wrong people and that I should cancel that check and now deal with XXXX XXXX XXXX. He continued to tell me that no one else had power of attorney over the case, and I was going to see them in court. I called Ms. XXXX of XXXX XXXX XXXX. She said these debts go out en mass and sometimes there is overlap among other debt collectors. She asked me for Mr. XXXX information and said she would get her supervisor to give them a call. She also told me that I should not answer their calls anymore. I have had to pay a couple of other debt collectors, but there is no real way to check to see if these people are legitimate. They call you up, ask for you by name and then when you acknowledge that you are the person they are calling, they begin to ask you to verify sensitive information about yourself, social security, address, etc. Then you are expected to pay them the sums over the phone. There is no listing on XXXX for XXXX XXXX XXXX or XXXX XXXX XXXX, debt collectors. They say they've been mailing you information. They have not. I ask them to send the notice to my email. They refuse. They all feel like scam artists. Yet they tell me that what they are doing is covered under the law. I have proof I paid XXXX XXXX XXXX. I spoke with Ms. XXXX today to verify that the case has been settled through XXXX XXXX XXXX. But, I have no idea if these people at XXXX XXXX XXXX have any legitimate claim and I don't know if they are going to try to pursue this any further. It makes for a very stressful feeling. You are already stressed because you owe the debt. You finally are able to pay it and then these debt collectors begin to bandy it about, lie, harass and be argumentative, threatening you with court. And there is nothing you can do about it.
Company Response:
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was a victim of the XXXX inquires issue, as well as I have another problem. XXXX ran my credit way more times then was approved by me to do so, it was no approved by me to be ran that many times. The banks being XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX I want the inquires removed
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2018-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a loan with XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Company Response:
State: CA
Zip: 93311
Submitted Via: Web
Date Sent: 2018-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have requested VALIDATION of debt from Santander Consumer USA via letter. Letter was sent XX/XX/2018. Letter was received by Santander Consumer USA on XX/XX/2018. Tracking is attached. In response to my letter, Santander Consumer USA sent numerous documents but not one of them VALIDATED the debt in question. i have asked for agreements that granted them the ability to report negatively on my credit report and agreements that bear the signature on a binding contract, factual documentation and records. None of these requested documents have been provided. This debt reporting to my credit file is hurting me substantially and has cause me to be denied by several banks. I would like to have this issue resolved by having this derogatory and offensive account removed from my credit file with all 3 credit bureaus ( XXXX, XXXX, and XXXX ).
Company Response:
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A