Date Received: 2018-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive explained that I have been out of the country for 10 years to Santander consumer USA and that the account they have is fraudulent. With proof. They have refused to take this debt off of my credit report and will not remedy this situation. This is affecting my livelihood and preventing me from creating a better life for my family as a man. My name is damaged. My credit is destroyed because of this and their tactics. If I owned this debt I would pay it. I have integrity but this is not my debt and is fraudulent.
Company Response:
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My car was repossessed at my home in Florida in XXXX of 2015. My account address was listing as Florida and the car was registered to the same address in Florida where the car was repossessed. I never received any documentation after the repo. After seeing the repo on my credit report I have contacted the company and they sent my notice of intent to sale and explanation of surplus or deficiency to my old address in North Carolina instead of my known address in Florida. I believe that this was done purposely.
Company Response:
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I borrowed approximately {$10000.00} on XX/XX/XXXX for a Term of 67 months from SANTANDER CONSUMER USA through a car dealership in XXXX, Vermont. I was given fraudulant information from the dealer, they gave the wrong VIN # and Santander approved the car loan based on that information. On XX/XX/XXXX Hurricane Irene hit, I lost everything. I was listed with FEMA as a catastrophe victim. When I went to trade my car in for a less expensive vehicle, as then I was homeless and broke, I learned of this fraud. The car dealer ran the VIN # and showed me how the car was worth XXXX dollars. I wrote Santander, called them and I could not get anyone to go off script and to help me to do the right thing. All I wanted was advicew from the legal department. I was homeless and broke and Santander would not allow me to deal with their legal department. I called and emailed them and got nothing. After months of trying to resolve the issue I left the keys in the car, and I left the car on the street in Washington, DC. I called Santander to tell them I was doing this, and still, I got no response other than, you need to pay your bill. Now it is XX/XX/XXXX and I would like to apply for a loan to buy land and a small shelter. Still I have Santander on my credit report looking like I just decided to stop paying for my car. I feel this is a false representaion of my credit record and with my wanting to do the right thing with Santander. I wanted to proceed with a case of fraud against the dealer. I needed Santander to help me with this, but all I could get was scripted Customer Service Representatives. It just breaks me that all these years later Santander is still on my credit records, misrepresented as the victim of a default. They are in the business of lending money it is their responsibilty to help a customer when fraud like this occurs. yet they were completely inaccessable to me. I was broke and homeless from a hurricane and they just wanted their next payment. What made matters worse forme was that my only FEMA emergency funding was {$1200.00}. That is what I walked away from after Hurricane Irene. I could not organize myself to start a suit of Santander or the dealership at that time.
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2018-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: the company incresed the loand wen they gat car they did not takl us that loan was only interes only and nothing was to the principla. we traet to refinansed after 6 months cause that was the original agrrement. so far they just say they not refinancied and they say our loan its not paying any on the principal.
Company Response:
State: CA
Zip: 92865
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I bought a brand new car from XXXX XXXX in XXXX, NC in 2013. It was a lemon from the first day I drove it off the lot! I became Leary of the vehicle after numerous parts were defective on the car and broke down. I ask these people to please make this right and put me in a safe vehicle. They denied me over & over again. I had no choice but to volunteer the car back to them. They resold the vehicle, collected insurance money and have damaged my credit in the meantime! They ( Santander ) say I owe them {$10000.00}. They should have to pay me for the XXXX Ive been through about this horrible car! Please, somebody help me?
Company Response:
State: NC
Zip: 27501
Submitted Via: Web
Date Sent: 2018-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Was approved for a loan, but didn't receive money
Subissue:
Consumer Complaint: I purchased a XXXX XXXX XXXX at XXXX of XXXX in XXXX, XXXX. The loan was approved with a cosigner that was not honest with me about his identity because he was an investigator. During the loan application process he would always meet with the financing department at different times than me to provide his financial information as the cosigner. Then he would call me and say that all they needed to approve the loan is my financial documentation because he had already dropped off his financials. In the loan purchase the cosigner had me add an additionally secondary insurance premium to be financed into the auto loan in case of a unexpected medical situation that would provide medical coverage and payoff car or make the car payments. The loan was approved with XXXX XXXX. Once the car was delivered to dealership I received the call I could pick up my car. Before I could leave the lot the dealership needed me to have a DEC page faxed over showing that I had insurance coverage. When I called XXXX from my phone they asked for the lien holder and the vin number for my XXXX. XXXX faxed over DEC page with XXXX XXXX as the lien holder and I left. I was told I would receive the payment vouchers in the mail for my first payment that would be due in 2 months. However, in that 2 month time frame their were multiple break ins at my apartment. Some of the items stolen were my auto loan documents, tax returns documents, child custody documents, cell phone, and my bank account documents at XXXX Bank that someone had stole the page to add themselves as an authorize cosigner to my bank account. I reported this break in at the XXXX Police Department and the items stolen and closed bank account and opened a new one at XXXX. I also reported the items stolen to XXXX on my renters insurance but there was no value to those documents and a financial lost was not detected yet. Then someone broke back into my apartment and my auto loan papers reappeared on my kitchen counter along with a XXXX Police XXXX business card that I had filed a financial crimes report with back in XXXX. When I reviewed the loan documents they were altered and not the same as I remembered. I called my cosigner and asked if the information I had was the same he had and he said yes. I then called XXXX and told him that some of my documents reappeared but they were altered. And I told them the DEC page they faxed over to XXXX of XXXX was wrong and they needed to correct my insurance policy to show the correct lien holder to Santander. XXXX told me that is what they had in their system. I asked when did someone call into to make the change because I had told them it was XXXX XXXX and the XXXX page I saw reflected different information. They said there was no change. It was always Santander. So I just thought my memory was off and made my first payment to Santander. Then immediately after someone rolled into the back of my XXXX at a stop light. The lady got out of car and said she was sorry and gave me her insurance policy to call with XXXX XXXX and they would take care of it. Farmers accepted the claim and I had my car put in the body shop at XXXX of XXXX. The car was in the shop for a week. When I got the call my XXXX was ready for pick up, I also got a call from my cosigner stating new plates had come in the mail for my XXXX. I asked why the car was issued new plates and he told me that was standard process that a car receives new plates after purchased. ( At a later date I received information from a source that once I left the car at auto shop a bad accident was stage with the car so that he could make a claim on the secondary insurance company whos bank is in XXXX, but agency is in Kentucky to set up medical charges and pay the car off and cover an apartment lease that was taken out fraudulently in my name. ) I paid on this loan that was also reflected on my credit report for almost 2 and half years thinking the loan for my XXXX XXXX XXXX purchase. When I lost my job in XX/XX/XXXX and I could no longer make payments on the car so I made arrangements with my cosigner to sell the car at XXXX in XXXX, TX. In XXXX XXXX he met me at XXXX. He had already arranged to meet with an agent there to sell my car. The agent had car documents printed for me and him to sign to sell. All the documents reflected the lien was for my XXXX XXXX and tied to my vin number. I also signed a power of attorney to transfer the title and ownership of my XXXX to XXXX. Then once I thought my XXXX was sold and walked off the lot I got a call from the XXXX XXXX XXXX, XXXX XXXX. He said for me not to sell my car. My car was paid for. The Santander loan on my credit report was not my vehicle it was my biological mother 's XXXX. I told him I was never aware of that and I had already signed documents and the car was sold. He said the damage was already done and we hung up. It was then that I thought my car just got stolen to pay off my biological mothers car and was upset, but I did not think to file a stole car police report. The XXXX and XXXX could still be in my name in someone else 's possession because all the documentation was fraudulent that was signed at XXXX. I had also gone to Santander in XXXX, TX to ask to review the loan documents because apparently I was not the XXXX that signed for the loan. Santander would never let me get past the front desk or an appointment to speak with anyone regarding this. I let my fraud prevention service, XXXX XXXX know about this and asked for them to request these documents and assist me with loss recovery. The last I heard from them on a 3 way call was them ordering Santander to provide me the documentation. And the Santander representative said that it was all their fraud charges that were awaiting them. But I never received any information on this or compensation or a status update. It was also then that I was made aware that the cosigner was not the person that he said he was, but the person 's identity he was filing the documents for to get the loan had provided him with his documents to get the loan for him. Another red flag after I thought I sold my XXXX at XXXX was my credit report showed one month later XXXX XXXX had run my social security number for a policy that showed up on my credit report. I included that in my financial crimes report with the XXXX Police Department in XXXX because I did not and still do not have a vehicle at this time nor did I authorize Farmers to run my credit report for an insurance policy.
Company Response:
State: TX
Zip: 75060
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I lost my job in XX/XX/2016 there I tried to lower my loan. I then discover that the loan was a simple interest. Because after paying XXXX my amount never went down. The car was repo in XXXX and sold and two this date it is appearing as if I have the car and my payments are late. Please help.
Company Response:
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is information of SANTANDER CONSUMER USA on my credit report. I do not have, nor have I requested a loan from this company. I would want proof any documents signed that state I am owner of this debt.
Company Response:
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/2018 I called XXXX XXXX reguarding an unauthorized inquiry on my credit report that was pulled on XX/XX/XXXX during the purchase of my new vehicle at XXXX XXXX in XXXX Fl. I talked to XXXX and they said they could not do anything about the unauthorized inquiry. I'm looking forward to pursue deletion for an inquiry I didn't authorized
Company Response:
State: FL
Zip: 33460
Submitted Via: Web
Date Sent: 2018-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-21
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Ive been struggling with this car note. I XXXX XXXX and am building a business for myself. Business has been slow, but Ive been working on paying the bill. XX/XX/XXXX, I paid one and one-half month 's car note to start playing catch up. On XX/XX/XXXX, I called Santander to see if there is ANY relief, even if temporary, with the 25.92 % interest rate, as Im not making any progress on the principle. I'm told " no ''. I tell the rep I will only be two payments behind, which should avoid repo status, so I will follow up next month. Im struggling XXXX XXXX, which is how I earn money. On XX/XX/XXXX, early in the morning, after driving all night, Santander 's repo contractor came and go the car. Unlike with foreclosure, there is no warning. On the previous time i spoke with Santander, I was not up for repossession. PLUS, when the account went up for it, no one notified me. That didnt have to be that way. What if I had been out in public and became stranded? Regardless of wanting to help me keep the car, which I owe $ XXXX for after buying it for $ XXXX and paying over $ 10k towards in just interest and fees, I know more could have been done. Despite a couple of granted extensions to reduce delinquency, the law should FORCE ALL lenders to follow the mortgage protocol when loans default. Two payments past due should not warrant a repo, especially with no notice. The worst part is I just put over {$2000.00} worth of work in the car for battery, rack and pinion, tires, inner tire rods, and more. Plus, Santander KNEW IT!! Even worse, when my rent was WAY behind because I was working but income slowed down, I kept it updated monthly.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2018-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A