Date Received: 2018-03-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I requested a moratorium on my Auto loan for my XXXX XXXX XXXX in XX/XX/XXXX due to the passage of the natural disaster that was Hurricane Irma since i expected that my income and finances would inadvertently be affected by the crisis. I was granted the extension by Santander USA, with my next due date set for XX/XX/XXXX. On XX/XX/XXXX, Santander USA reported my account as being 30 days past due, citing the return of a payment in XX/XX/XXXX which was set up to be automatically be drawn from my bank account on XX/XX/XXXX. This was an unfair and unwarranted act ; and a clear case of the lending institution choosing to renege on its commitment to assist a customer who has been directly impacted by a natural disaster. I therefore ask for the assistance of the Consumer Financial Protection Bureau, in having this late payment removed from my credit report. All other attempts by me to have this rectified directly with Santander USA and the three major credit reporting agencies have failed. Copies of the relevant documents and communications are attached for your perusal.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I financed a car with XXXX XXXX in XX/XX/XXXX. Since then it has been an absolute nightmare to deal with this company. I fell behind because I am experiencing medical issues. In XXXX I paid the account current. I checked several days later and it said my account was current through XXXX. Now somehow they claim I am a month behind again? I have been making payments of {$400.00} the past TWO months and most recently a payment of {$500.00} and they are still showing that my minimum amount due is {$850.00}? How can that be when my payment is supposed to be about $ 305 month? There payment system is atrocious as they do not process their own payments and utilize XXXX XXXX. I have notified these people about a change of address that was effective XX/XX/XXXX and they still process payments on my old address causing the payments to be returned because the address is incorrect. This is ridiculous. I have contacted them NUMEROUS times before with no resolve. Customer service reps are less than helpful and woefully incompetent.
Company Response:
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I started considering getting a new car in XX/XX/XXXX/XX/XX/XXXX. When dealerships started considering my credit to see how much I owed on my trade in they reported that they could not find my loan. I called Santander Consumer USA and let them know that dealerships were having issues finding the loan. In XX/XX/XXXXI was finally able to trade in the car, pay off the loan, and get a new vehicle even though they still couldn't find the loan on my credit report. I ordered credit reports and realized that while XXXX was reporting the loan XXXX and XXXX were not. Because I live in Florida, dealerships primarily use XXXX, which is why the loan wasn't showing up. My credit score is over 40 points higher on XXXX than on the other reporting agencies, and market research shows that interest rates are determined in 20 point intervals so this could have a pretty significant impact on my interest rate. I can't get my car refinanced until my reports accurately reflect my 5 years of payments with Santander. When I called Santander, they told me that the issue was possibly with my last name. They said it would take around a month to reflect on my credit reporting. I waited and saw no changes so I called again. They said the issue was with the credit reporting agencies. So, I called both XXXX and XXXX to open a dispute. Unfortunately, they both said that to dispute something on my credit report it had to be on my credit report. And since my issue is that my loan is not showing up on my credit reports, and they had no information from Santander, that I needed to take up the issue with them. I called Santander and gave them this information. I had been dealing with the office of the president, but at that point started working directly with their credit reporting department. I started working with XXXX, a supervisor in the credit reporting department. With her permission I gave her number to a supervisor over at XXXX. They said that they would work on it. XXXX was the only person at Santander that ever gave me a call. Up until that point I was the one always making calls. Unfortunately, a few months went by and still nothing had changed so I decided to call again. I was told that XXXX was no longer employed there which was extremely disappointing. I was told I would be called by a different supervisor which never happened. I gave it a few weeks and called again. When I called the number to the credit reporting department I got a bunch of weird prompts instead of the normal prompts. I hung up, called the office of the president and was informed that the credit reporting department no longer took calls. I found this to be incredibly suspicious. I informed them I had been dealing with this issue since XX/XX/XXXX and that I was considering taking legal action. They opened a new complaint. This was XX/XX/XXXX. I was told I was going to get a call back but this wasnt the case. I called every weekday for the next two weeks and was continually told there was no additional information. I called XXXX again and spoke to the same supervisor who had been working with XXXX. I asked if he could get anywhere with her as she was no longer there. He said that he gave her info but that Santander never provided the information for them to put on my credit report. I informed him I was considering legal action and was encouraged to move forward. That XXXX would be more than willing to have their records department subpoenaed to prove that they had received nothing from Santander. I called Santander back with this information but continued to be told that nothing had been updated. Finally, on Friday, XX/XX/XXXX, I was called by the VP of consumer relations and told that they had done everything in their power to report the loan but that agencies were refusing to update my file. I again told him that both XXXX and XXXX denied this was the case, and that XXXX had even encouraged me to move forward with legal action that they would be willing to provide documentation from their records department. Santander continued to stick to their story that its not their fault. So here I am, 6 months later with worse credit than I should have, with a higher interest rate than I should have, and with no one willing to accept responsibility for this problem. I dont make a ton of money and as such it would be very hard for me to pay for a lawyer to take on one of the biggest banks and two of the biggest reporting agencies in the world. I served 5 years in the military, including 12 months in XXXX and 15 in XXXX. I didnt expect that this would be the kind of thing I could expect when I got home.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: First someone used my social security number is not mines nor mines. whomever had this acct they turned the car n but it is on my credit report as a repoe I have no knowledge of this car at all
Company Response:
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: As a consumer in the American credit community, I feel singled out as a minority being abused by a national banking institution. The attached items showing Santander Consumer USA as a charge off is a deliberate attempt to make it impossible for me to obtain decent financing on anything in the near distant future. The loan in question can not be in a charge off status unless it is by mandate of Rule 5000 FDIC, that it has been in default for 180-days or more. This is the federal mandate, not mine. This loan was paid off by an insurance claim in XX/XX/XXXX, along with a short fall payment from my personal checking account. Santander Consumer USA is maintaining a charge off with a balance even though the 180-day late timeline was never reached, and Santander Consumer USA never filed a default on record with any XXXX filing with the Securities & Exchange Commission. I am a member of the XXXX Community that came to America for a better chance at life. The rules should apply to Santander as much as they apply to me. There was never a charge off, and the loan is current. We would like to get this credit issue resolved so that we can trade in our vehicle and pay off Santander in full. In addition to this FDCPA claim. In addition, the vehicle loan was purchased by Santander Consumer USA from XXXX XXXX XXXX XXXX, but there is never a cut off date from the original lender on the assignment date or purchase of debt date. A recent Supreme Court case called XXXX XXXX XXXX XXXX XXXX, XXXX may have ruled in favor of XXXX XXXX XXXX, XXXX as far as purchasing of debts bypassing FDCPA guidelines as a debt purchaser, XXXX XXXX XXXX, XXXX had never given adequate notice that the debt was actually purchased from the original lender, and since that criteria was never established, the negative reporting against me was never legitimate. The payment history was cut off by at two years, whereas my payment history starting XX/XX/XXXX does not show late payments within the first two years of procurement. This was done to to re-age the payment history based upon the 7-year rule under FCRA. Across the board, both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are in violation under FDCPA and FCRA. Now XXXX XXXX XXXX, XXXX has blemished my credit beyond the FDIC Rule 5000 sub-standard protocol. My position is solid for a federal lawsuit based upon a national bank violating my rights of proper disclosure and legal reporting requirements. The credit items must be deleted by both XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 11706
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: We turned in the XXXX XXXX XXXX a week early on XX/XX/2018. At the time of returning the vehicle, we forgot the 2nd key to be returned. We were told to bring it back as soon as we could with no deadline outlined or fee discussed. We returned the key some time in the middle of XXXX and yet were sent a bill for the disposition fee, exterior damage ( which did not exist and has since been waived ), and a lost key. XXXX XXXX told us to have the dealer email XXXX to confirm the key had been turned in. They did so. Upon calling back in 6 days after that email to confirm that the account was all paid and resolved, they claimed to have not received the email ( which I can provide ). They then claimed that they could not ask the dealer for money and that somebody needs to pay them for this key, me or the dealer. I've done what was asked of me, and yet they continue to move the goalposts to demand payment despite our completion of our obligations and following of the dealer 's and their instructions to closeout the lease.
Company Response:
State: CO
Zip: 80210
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hi i am writing to you today because i had a dispute with you and it seems like you guys are not conduction an investigation because i have sent a dispute for the 30 days late that you reported me and you guys removed it from XXXX but you didn't remove it from XXXX and XXXX then 1 month later i see it reapeairs on XXXX as if nothing happened before furthermore i see that you have multiple inaccurate reporting on my report because the 3 bureaus are all reporting differently for example look at the date of last activity, look at the date of last payment, look at the balance, look at the monthly payments, they are all reporting differently between the bureaus as i will attach a report
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I just checked my credit score and there is 2 hard inquirys that Im not familiar with at all. I never applied for XXXX or XXXX. Please Im only XXXX so Im trying to help my score, but these hard inquiries are incorrect.
Company Response:
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2018-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
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 XXXX XXXX XXXX financed with Santander since XX/XX/2015 ... they reflect I have multiple late payments which I highly disagree ... the finance amount was $ XXXX for 72 months ... ..I called and acquired information that I have paid over {$3000.00} since acquiring vehicle. HOWEVER on my credit report it reflects $ XXXX and 83 months ... ..HOW ... ..the representative I spoke gave me manager name and extension and I have left over 20 messages for resolution and get no return call ... ... I FEEL CORNERED AND A VICTIM OF A PREDATORY LOAN!!!! INFORMATION IS TOTALLY INCORRECT ON MY REPORTS / CREDIT BUREAUS ... VIOLATION OF FCRA 609 AND EACH I CHALLENGE WITH THE MULTIPLE BUREAUS THEY CEASE TO PROCEED THEYVE DONE SUCH ... LENDER SENDS RANDOMLY STATEMENTS THAT FLUCTUATE WITH NO SENSE
Company Response:
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX is reporting a charge off on my credit report. They went out of business and filed bankruptcy. I received a notice sometime ago that they closed all their accounts and ceased collection of them. When I tried to mail payments they were all returned. They have no way to continue paying them yet they keep reporting!
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2018-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A