Date Received: 2018-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name is XXXX XXXX. This involves my auto account with Santander Consumer USA, account number XXXX. I was involved in a car accident on XX/XX/XXXX in which my car was totaled. I reported it to my auto insurance company XXXX and Santander Consumer USA. At the time of me reporting it to Santander is asked if i should continue to make payments and i was told no, the insurance company will take over because the car is totaled. XXXX told me they could not issue a check until they received the police report and it normally takes about a month for the police report in my area. I spoke with Santander and they were aware. Early XXXX i tried to get the police report to help expedite the service but it was not ready. I did check with Santander progressive periodically to find out where things were because i needed a car. Early XX/XX/XXXX, progressive held the check because they needed my consigner signature, she was in the hospital and rehab after and i informed them that she couldn't. I informed Santander that progressive was holding the check for no reason at all and if i should be making a payment. Again i was told no and they would reach out to the insurance company. The insurance company then called me the next day and said they made a mistake they did not need the cosigner signature my signature was good enough and they mailed the check to Santander. I called Santander and was told the check was received in the system. I went to purchase car around the end of XX/XX/XXXX and found a 30 day negative credit on my report. I called Santander and was told they did not receive the check. I called XXXX and was told they did send it to XXXX. I asked why did they send it there when it should have gone to Santander Consumer and i informed them that they need to send it where i make car payments and XXXX was not the company. XXXX said they would put a stop payment on the check and overnight the check to Santander. I called Santander to inform them and asked about the derogatory remark on my credit record. I was told they would go back to date of loss of XX/XX/XXXX and remove it and all i would have to do was dispute it with the credit bureaus and when it comes through to their dispute department they will remove it. XX/XX/XXXX i called to follow up, was told again, once the check clears they will go back to date of loss of XX/XX/XXXX and remove it. XX/XX/XXXX i called to follow up, was told the check was received. XX/XX/XXXX, i called Santander about my account and i was told to call back at the end of may because money from Gap insurance was coming through and the account was not settled yet. I called XX/XX/XXXX to follow up and was told the dispute is now with dispute department and they will remove the derogatory statement and to call back at the end of may. on XX/XX/XXXX I spoke with XXXX who said they will not be removing the derogatory credit report because it is correct and Gap insurance sent a payment and then stopped payment on the account and i owe {$840.00}. I explained i dont know why my credit report is being charged unfairly for something i followed up on and was out of my hands. She said thats the way it is sorry. I told her i would fight it again and i will send the fee to close the account by certified mail on XX/XX/XXXX. I also told her i dont know why gap stopped payment and why am i just finding out. Today XX/XX/XXXX they have added another derogatory report to my credit record. This is unfair to me as the consumer and it is as if they are upset with me. I do not understand why they adding false credit reporting on me credit record. I can not purchase a car and i am struggling to get to work. I dont understand why a company would work to make it hard for there customers.
Company Response:
State: CT
Zip: 06095
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: In XX/XX/XXXX I bought a new XXXX XXXX XXXX and it was financed with XXXX XXXX. Around XX/XX/XXXX I filed bankruptcy due to a separation of my marriage. I was told by my attorney to check my credit reports after filing to make sure everything was correct with my report. I noticed that my car loan was not being reported. I contacted XXXX XXXX in regards to not reporting on XX/XX/XXXX. I was told that since I filed bankruptcy XXXX XXXX will never report my paid perfect loan to the credit bureau. I was told that this is XXXX XXXX 's policy. I was also told to refinance my vehicle with another lender if I wanted credit. Please help this issue. I feel this is unfair business practices.
Company Response:
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello hows it going, My name is XXXX and i am trying to see if someone can assist me as i am trying to get a mortgage loan for my family to get them out of a bad area we are in. My only issue is that closed Santander auto loan account is reporting a late payment in XXXX of 2016. I don't know of this is incorrect or factual but i am asking out of good faith for help in the removal of this remark as the underwriters are giving me problems and want to stop the loan because of the late payment i have showing. Please help me as much as possible as you can see i paid every other payment on time and satisfied the loan completely as well early. Making payments was never an issue it could have been an overseen mistake or that i was sick in the hospital dealing with my wife being XXXXt and many XXXX. Please advise, thank you and XXXX bless. Santander Account # XXXX ....
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Santander has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: AK
Zip: 996XX
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: For the past 12 months I have sent information to XXXX asking them to VALIDATE XXXX XXXX that has been added to my credit report. The only response I am getting from XXXX is verified.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-22
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I purchased a car for {$14000.00} from XXXX XXXX over 4yrs ago. With my trade-in and cash down payment knocking off {$3000.00}. My payments we're {$380.00} per month. Santander charged me an extra {$8.00} daily in loan fees plus late fees of {$20.00} per late payment. I requested that my loan be rewritten and they said no. I'd have to refinance through someone else. My bank refused to refinance the loan because they said that the price higher than the value of the car. Santander has been calling my reference numbers speaking with third party individuals regarding my personal finance information with their company closed the account without notifying me in writing and put that I owe more than what my contract shows placing this information on my credit report.
Company Response:
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2018-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XX/XX/2018 I sent Santander a letter explaining that I fell on hard ship and ask them to lower my payments and forgive me for my late payments. They replied saying that's against their rules and regulations. The box value of the car is way less that what I purchased this car for and it's hard for me to try and get another car because Santander balance is too high and other dealers won't make a deal.
Company Response:
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: 1. Trying to make a principal only payment on my loan 2. The bank informed me that my payment will be applied to interest first and then to principal. 3. The bank will not process my additional payment as principal only. 4. Bank refuses to accept principal only payments. 5. XXXX XXXX & Santander Consumer USA.
Company Response:
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 84096
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Greetings. I opened up an account with Santander Consumer USA in early 2013. I purchased a vehicle and was making monthly payments. The vehicle was repossessed. After speaking with the bank while the car was being towed, they told me that paying the balance would allow the repo men to leave the vehicle. I paid the balance right then and there, and the representative then informed me she could not legally make them put the vehicle down AFTER charging my bank card. The vehicle was then repossessed and hit my credit. After talking to three different agents, I went a week without a vehicle as I was playing phone rage with Santander and towing company who says I was never paid. After receiving the vehicle, the vehicle was totaled. I had gap insurance on the vehicle which was supposed to cover the depreciation value. ( XXXX ) now Santander is saying that I still owe them {$3600.00} dollars on a vehicle that was paid for! This issue is now stopping me from purchasing a home and vehicle for my growing family. I have reached it numberous times to no avail.
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-21
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I got a auto loan for a car at 17 % interest..as the months passed into years I noticed my balance is still almost the same as when I first got the loan. I come to find out Im being charged daily interest and at this rate it will be impossible to pay off the loan. They tricked me into a Auto loan that is impossible to pay off
Company Response:
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A