Date Received: 2018-05-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Santander has violated 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: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-15
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This company is abusing people Santander Consumer USA I took a loan for XXXX and I payed the dealer XXXX dollar down payment on XX/XX/XXXX For a XXXX XXXX XXXX ( used car ) I payed 5 years 6 months XXXX and stop paying on XX/XX/XXXX .. because the remaining balance in the loan for the car after I payed XXXX was XXXX y surrender the car to them they reportedly as reposes. Almost 30 % interest and hidden fee. They wanted me to pay off the car if I put XXXX dollar more. A XXXX XXXX XXXX is becoming almost XXXX thousand dollar for a use car?? This company is abusing people. Should be off the market. This loan is still on my credit report after 7 years it's supposed to be deleted after 7 years. Loan started XX/XX/XXXX and end XX/XX/XXXX XXXX.please help fix this ..
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX but XXXX and XXXX has yet to comply even though Ive sent in police reports. 2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX at the time these accounts were opened. I am asking XXXX, XXXX XXXX, and XXXX to please remove this fraudulent account. 3. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 4. XXXX XXXX XXXX Services Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to XXXX and XXXX in XX/XX/XXXX. That is against the law. Please remove this account
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2018-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Santander Consumer USA, an auto finance company was verbally told to no longer call me after a XXXX XXXX XXXX but instead to communicate with my wife.Since then I have gotten repeated calls from them all day every day using many different phone numbers. Even though I block these numbers they seem to have an inexhaustible supply of them. Numbers include but not limited to ; XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. These are actually a very small sample of the numbers I have blocked and yet still receive calls from every day, no voice message is ever left. My phone identifies these as bad numbers coming from Santander Consumer USA.
Company Response:
State: TX
Zip: 79109
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am making my monthly payments and they keep reporting that I am 30 days late every month.
Company Response:
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following inquiers are reporting unauthorized on my report. I recently was apart of the data breach i have reached out to all 3 bureaus on several occasions and XXXX is the only one with no help. I didnt authorize the pull of my credit from any of these companies listed below Santander Consumer-XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Subject : Acct XXXX I had a XXXX XXXX acct # XXXX on recurring payment for this account and never missed a payment and when I turned this car in XX/XX/XXXX for my new XXXX ( acct XXXX ) it turned into a complete nightmare. i had 7 months of payment left and was told i would have a final bill that would tell me how much i owed XXXX. I contacted XXXX in XX/XX/XXXX and was told that there is a process involved where they have to sell the car in an auction and that the final payment would not be available immediately and I would be sent a bill when it was. From XX/XX/XXXXuntil i moved into my new apartment in XXXX I never received a bill but instead I received an alert from XXXX XXXX in XX/XX/XXXX that I was reported to collections, when I spoke to a representative they explained to me that there were several accounting errors done on this file and that it required a supervisors attention. When i spoke to supervisor they initially told me it showed that this car was turned in late XXXX and when i told them it was wrong that i turned my car in for the new XXXX and gave them the account they did not under stand why it took this long to get a final pay off amount. Finally, on XX/XX/XXXX a supervisor was able to fix the errors and produce the final billing amount which included a customer credit for the errors and inconvenience, I made a payment in full the same day for {$2400.00}, the supervisor also tells me that this collections account should be removed off my account but required I reach out to someone in the Credit department. I am currently in the final stages of the home buying process but just got denied due too instead of XXXX retracting this collections account from my credit report, XXXX apparently updated the account status and closing date. When I called XXXX on XX/XX/XXXX regarding this matter I was told my account was still not closed because I still owe XXXX money. After I spoke to multiple representatives I finally got a supervisor who again apologized for another accounting error and that my account is indeed closed in good standing and left notes to have this collections account removed from my credit report. This is very important Ive been and continue to be a loyal customer to XXXX, I have always paid all my XXXX bills on time and still to this date have my account on recurring payments to insure that i don't miss a payment. i need this retracted from my credit report ASAP.
Company Response:
State: NY
Zip: 10472
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/XXXX my wife and I leased a new XXXX XXXX from XXXX XXXX, XXXX, XXXX. As part of the negotiating process, we were going to be returning a XXXX XXXX XXXX, which was a lease through XXXX XXXX as well as a XXXX XXXX that was leased through a credit union. I was assured throughout the process that I would be turning in the two Jeeps and that would be the end of my commitment on those two vehicles and that my new commitment would only be with the XXXX XXXX. I agreed to an " Out the door '' payment of {$2500.00}. That would include a " down payment '' and the first months ' payment on the XXXX XXXX. I signed the papers and we left. I received a check from XXXX for {$1400.00} on XX/XX/XXXX for the remaining payments. I reached out to XXXX XXXX in regards to my latest statement as it showed a past due balance today, XX/XX/XXXX. She advised me that its normal as the system needs to " catch up '' however, she advised that I should receive a final bill in the mail including the remaining payments and the disposition fee. I told her that I wasn't aware that there was a disposition fee associated with it as I leased another XXXX vehicle, to which she advised that since I had not leased the vehicle through XXXX, that there would be no credit of the disposition fee. I reached out to my salesman who advised that they are not responsible for this fee. I spoke with this person the entire time and at no point in time was I advised that I would need to go back to XXXX to avoid this disposition fee. I was advised that they would be taking back my vehicles. Had I known this would be the case, I would not have agreed to the deal as it was given to me as this is an additional cost to me.
Company Response:
State: NJ
Zip: 07054
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My vehicle, a XX/XX/XXXX XXXX XXXX, was repossessed inXX/XX/XXXX. It was picked up by XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX Ga XXXX ( XXXX XXXX ). I was told I had a week to get the vehicle before it was sent to auction. I was unable to and the vehicle was no longer there when I came to get my belongings. I never received communication from Santander about owing them any additional money. According to Georgia Code - 10-1-36, they are required to notify me what the vehicle was sold for and that they are pursuing me for a debt. About two months ago, a company purchased this debt and claims I owe {$10000.00}. On my credit report, it shows three different amounts : XXXX XXXX and XXXX ( attached ). I do not understand how I could owe anything on a vehicle that went to auction and how I could owe three different amounts. I also was not told where the auction was held, so I was not even given the opportunity to get the vehicle.
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: The lending bank XXXX XXXX has broken the Military Lending act by charging myself XXXX XXXX XXXX an interest rate that is not in line with the MLA. An Interest rate of 24.9 % is not only predatory but unwarranted. the interest rate plus monthly and annual fees make it impossible to truly pay on the actual debt of the car. This is illegal and systematically predatory. I have spoken to XXXX XXXX over 10 times the fees and interest keep compounding and the balance is now higher than the original loan amount.
Company Response:
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A