Date Received: 2018-06-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: After struggling and getting sick not only has Santander used this to knock me down more than I already was they sabotaged my credit even knowing what I was goingheough each time they reported my credit dropped chunks of amount of points. Were speaking of 20 points or more. Thats now behind. However I was finally able to get out under a bogus loan and lies that they dealiership sold me and all they can say is Im sorry I managed to get rid of a car that I was consistently paying repair for and got something that is reliable. I trade in the car and had the loan paid off in the month of XXXX. My XXXX still shows balance on the loan and marked late but also as per representative I spoke with todays date its marked XXXX balance for the month of XXXX and reported late. This dropped my score by 20 points yet again. Finally I was able to leave this untrustworthy and dishonest company and even just to do the right thing even after I got rid of them they just had to assure they leave yet wnoth r negative mark on my credit. Its been very hard for me Im sick single mom working my behind off I just need help because fighting them doesnt help. Nor is XXXX willing to help with getting my score back. Please help. Thank you
Company Response:
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2018-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I take home ~24,000 a year. I have a loan costing me {$310.00} per month and a 14 % interest. It's feeling impossible and I feel like I'm drowning between that, cost of living in XXXX, student loans, and everything else. Santander refuses to restructure it. They've accepted late payments but they won't work with me on a lower payment and interest. It's killing me. I can't refinance anywhere and I can't sell the car.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
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 are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have tried to have a 7 year old account removed from my credit report from all of the credit bureaus and they have not removed it from my credit report. The car loan was with Santander Consumer. Date opened was XX/XX/2010 and the charge-off amount was {$18000.00}. I have written dispute letters, to have this removed and it has not been proved or validated at all. I have also tried to have XXXX XXXX XXXX removed for {$260.00}, XXXX XXXX XXXX for {$1900.00}, XXXX for {$330.00} and XXXX XXXX for {$3900.00}. They have not provided me with any validation and these items still remain on my credit with XXXX. The other credit bureaus have removed this information.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: MY PROBLEM IS THAT SANTANDER CONSUMER IS RECEIVING PAYMENTS FROM ME BY CHECK AND ACCESSING THE FUNDS AS " XXXX XXXX XXXX '' AS AN ELECTRONIC CHECK WITH NO INFORMATION OF PHONE OR ADDRESS i SPOKE TO OFFICALS THER E AND THEY DID NO GIVE ME A SOLID SOLUTION OR REASON FOR THIS AS THEY ARE LOOKING INTO IT. ( YOU MAY PUBLISH THIS COMPLAINT AND THE RESULTS )
Company Response:
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been disputing this account late payments since XX/XX/XXXX. I contacted them regarding late payments showing on my account..due to being misinformed by their customer service reps. I was told if I made partial payments due to financial difficulities at the time, I would not be reported late to the credit reporting agencies!! This was a lie! I have been with this company and asked that they remove one late payment ... instead they go back to 2014 and add three late payments causing my credit scores to dip. Santander Consumer is a horrible company which do not work with their customers at all. I have called, sent letters.. no avail. After doing research.. just XXXX santander late removals .. they are known for this. There are less than six payments on this account and because their representatives misinformed me.. securing a mortgage has been difficult.
Company Response:
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-06
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I submitted a large insurance check from XXXX XXXX XXXX, ( hail damage occurred ) to Santander Consumer Credit, it was to pay off the balance of {$3900.00} towards my auto loan, leaving me a Clear Title and a reimbursement of {$2000.00} from that pay off .That check & loan info was faxed & mailed USPS XX/XX/XXXX as instructed from their rep in the Title Dept., each representative stating the difference would be mailed to me in 3-5 Business days after check processed.I called Santander to verify they received the check, the rep indicated Yes & they are in process of clearing note & reimbursement would take 3-5 Business days .After not receiving that reimbursement I called again, at that time I was told I would not receive reimbursement until after XX/XX/XXXX .I have spoke to other reps & finally the Mgr in the Complaint Dept, advised me she would expedite my process, and she would call me back, NO Calls yet .I called today XX/XX/XXXX again I was told The account is clear & my check for reimbursement is due to process afterXX/XX/XXXX, I understand receiving a Title does take 30 -45 days, However I do not feel Santander Consumer Credit should hold my {$2000.00} for that length of time ... .or Any other consumer.
Company Response:
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The monthly reporting of my auto loan with Santander is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported. My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXX for {$400.00}, which apparently covered my XX/XX/XXXX payment. The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment. The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX and XXXX There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX. There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXX and XX/XX/XXXX Payments. XXXX shows 30 days late XX/XX/XXXX and XX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau. There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX, however all three bureaus are reflecting 30 days late. The amount of 30+ days late reported are not nearly as much/frequent as Santander has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.
Company Response:
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-04
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: On XX/XX/XXXX, I sent Santander Consumer a certified letter with return receipt in order to dispute the derogatory remark the company placed on my credit and is visible on my credit report. I requested that Santander Consumer, immediately delete this derogatory remark. The last reported activity on this account was reported when it was closed on XX/XX/XXXX, 4 years ago. I requested that your company send me a response to which the remark will be removed or not to my address listed above within 30 days. Please keep in mind that derogatory credit accounts are defined as the following : disputed accounts with late payments in the last 24 months however my account has been closed for 50 months now. The 30 days have passed and I have not received a response from the company. However the return receipt proves that they did receive the letter I sent.
Company Response:
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2018-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
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 and SANTANDER with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2015.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2018-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A