Date Received: 2018-04-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX 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: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have recently obtained a copy of my credit bureau XXXX credit report. It showed an inquiry by your company that I did not authorize. This inquiry was sent to you by XXXX XXXX XXXX on XX/XX/2017. I have obtained a copy of the Credit Application from the dealership signed by me ( attached below ) and this application does not authorize you by me for your financial institution to run my credit report at anytime.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I purchased a vehicle from XXXX and was financed through Santander Consumer USA Bank. The vehicle Was taken back by Santander in XX/XX/2016. Santander sold the vehicle and reported a balance of {$8000.00} to my credit report. Every month since XX/XX/2016 Santander has reported a different balanced owed as well as different loan terms then I actually initially signed for. Santander has also reported different amounts to each of the credit bureaus. They have also had over {$8000.00} worth of interest on a vehicle that they have already sold and was not stated in the intitial agreement that this would happen if a vehicle is repossed and sold at an auction. I made over {$5000.00} worth of payments to Santander when I had the vehicle and I have no idea where the money went. They also gave me a 26 % interest on the vehicle without verifying any check stubs or proof of employment.
Company Response:
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2018-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I sent a debt validation to the creditor Santander Consumer USA to validate the debt they are saying I owe. After 30 days I contacted the creditor and they informed me that my debt was sold to another company called XXXX XXXX XXXX. I contacted this company via telephone to ask them there license and bonding number to be able to collect a debt in my state. The representative did not know what I was talking about and put me on hold and hung up the phone after being on hold for over 10mins. This company is not license and bonded and by law are not able to collect a debt in my state. I am asking you to permanently remove this information from my credit report immediately.
Company Response:
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: A car loan with santander consumer that was closed 8 years ago says i had two late payments but they wouldn't tell me when or provide proof. they said i have to contact credit bureau to get XXXX fixed.
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XX/XX/2017, I filed a police report for identity theft. I listed Santander as 1 of the companies that were reporting fraudulently on my credit report. I also sent a copy of an identity theft affidavit along with the police report to the credit bureaus. XXXX and XXXX removed all the fraudulent accounts including Santander. XXXX did not. I re-sent the identity theft dispute to XXXX and was told that the dispute information was sent to Santander. I recently was told to contact Santander directly, which is what I did. They informed me that a loan was issued in another persons name and SSN. Recently I was told that a family member had stolen my identity. They had gotten this auto loan under another SSN and called Santander in the middle of the loan and gave my information to them which prompted Santander to start reporting the loan under my social security number. I was given an identity theft packet by Santander to complete and notarize which I did and asked for a copy of my Drivers License and SS card. Upon receiving my SS card, they then asked me to sign a XXXX form to verify my SSN. They are stating that they had every right to change original contract information to my information even though I didn't give it to them and I didn't apply for a loan with them.
Company Response:
State: AZ
Zip: 85260
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I called Santander XX/XX/XXXX/to advised that there was an error made to credit agency where my balance increased by {$410.00} and my 1st payment was due XX/XX/XXXX which was made on time, information about the balance increased was reported around XX/XX/XXXX & XX/XX/XXXX loan amount now XXXX with a 73month installment when my contract balance XXXX for 72 months when I mention to the agent this information and told him my source was XXXX XXXX he advised me that they are a 3rd party source and that I will need to contact credit agency and dispute.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2018-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
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 opened a joint ( installment acct ) in XX/XX/XXXX. The terms were for 98 months. It is now XX/XX/XXXX. I feel it is pass the deadline date of 7 years ( bad debt ) and 10 years ( good debt ). It is in charge off status. The amount that is reported as owed is {$1.00}. I can give them a {$1.00} to clear that up. The past due amount reported is {$2200.00} ( although the amount should be lower because payments have been made ). It is reported that the 1st delinquent date is XX/XX/XXXX. The major delinquent date is XX/XX/XXXX. This account has been delinquent since the 1st payment. The past due amount is late charges. The principal has been satisfied. The past due amount would not be that high if those delinquent dates are true. I think it would be much lower than that. I feel that dates reported are not accurate. When I look at my report it has a lot of 30-59 days past due on it. It states that it is not to be removed from my report until XX/XX/XXXXor several years from now. The other name on the account has set up a payment agreement with them for payments to be made until XX/XX/XXXX.
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit alert to my email address from XXXX. The email states that an inquiry was made by XXXX XXXX on XX/XX/18. I have not applied for any vehicle loans in over 4-5 yrs and certainly not XXXX nor have I given anyone any authority to apply on my behalf. I called the number listed as XXXX and was transferred from customer service then to service and repair then to first national card of Delaware fraud dept. Not one person was of any help. I dont know who initiated the attempt for credit and I need this hard inquiry deleted from all credit depositories. Thank you
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2018-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX is reporting closed account that does not belong to me with Santander. The account is under another persons name and should not be reported on my credit report. XXXX has not verified this account belongs to me after multiple attempts to dispute account. The dispute process through XXXX will not even allow me to dispute any incorrect information through there website or bring up credit report.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A