Date Received: 2018-03-21
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 started a dispute with XXXX stating that the contract was canceled with this company and there is no longer a contract due to the item being charged off and written off. The results were " item has been updated '' with no explanation to what was updated from XXXX XXXX.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/XXXX, I was on the XXXX XXXX website. After selecting a vehicle, there was a statement to pre-qualify for the loan and that it would not affect my credit score. I pressed the pre-qualify button, answered questions and received about two emails stating that I had been approved. Then, I received a call from XXXX to follow up on the questions. Since he discussed more than the questions, I asked if he did a soft or hard inquiry. He said a hard inquiry. I said that I only consented to pre-qualify, which is a soft inquiry. I told him that it was fraud and I wanted it removed from my credit report. He said that I was not approved based on something else and he would direct me to his fraud department but I declined. Next, I immediately sent a message to XXXX customer service via website. The following day, XX/XX/XXXX, they sent an email stating : that they provide a space for buyers and sellers to connect on their website and the loan pre-qualify is from XXXX, a third party auto loan company that advertises on their website. Additionally, I could contact XXXX and they apologize for the inconvenience. So, I have been monitoring this issue through XXXX ( XXXX and XXXX ) but it never showed up. However, I recently received a letter from XXXX/Santander Consumer USA, which mentioned it reported to XXXX. Finally, this is why I am filing the complaint now and I want the hard inquiry reversed to soft inquiry. FRAUD ... ...
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2018 I sent Certified Mail and Return Receipt requesting physical verification of the original signed consumer contract under the FCRA. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Today as of XX/XX/2018 they have failed to positively verify my request. Santander Consumer USA, in the amount of {$10000.00}
Company Response:
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: DEALERSHIP PUSHED US INTO A CAR LOAN CANT AFFORD AUTO DEALERSHIP FAILED TO DISCLOSE FINANCING AGREEMENTS AND INFORMATION ABOUT FINANCING LENDER COMPANY PRIOR TO SIGNING CONTRACT, THEY ADDED EXTRA UNWANTED WARRANTY STATING THE LENDER REQUIRED THE ADDED WARRANTY COVERAGE FOR LOAN APPROVAL, WAS FORCED INTO A CAR AND AGREEMENT UNDER DISTRESS NOT ALOUD TO LOOK OR SHOP FOR CHEAPER VEHICLES THAT WE COULD AFFORD EASIER & THEY OVER SHOPPED MY CREDIT REPORT SCORE SO BAD IT LOWERED MY SCORE FORCING ME WITH THE WORSE POSSIBLE LENDING COMPANY AND INTEREST RATE POSSIBLE WITH PAYMENTS I CANT AFFORD THE AUTO INSURANCE RATE AND MONTHLY LOAN PAYMENTS EACH MONTH.WHICH WE TOLD THEM PRIOR TO SIGNING. I'M A XXXX XXXX XXXX WAR VETERAN WITH SERVICE CONNECTED XXXX.THEY ALSO STATED THEY COULDN'T GET A LEASE LOAN AND CALLED ME BACK INTO SIGN A PURCHASE LOAN AFTER 10DAY REQUIRED PERIOD ALOUD BY LAW ADDING MY GIRLFRIEND WHO HAD WORSE CREDIT THAN MINE FOR LOAN APPROVAL THEY STATED Additional Information by Category Breach of Contract The contract was entered into on this date : XX/XX/2017 The contract was : Written, and I have a copy The approximate $ value of the contract is : $ XXXX The contract was breached on this date or over this time period : XX/XX/2017 XX/XX/2017 The approximate $ value that I stand to lose or have lost because of the breach of contract is : I don't know The likelihood that I will be able to collect money from the other party if I win is : Possible Consumer Credit My legal issue is with a : Bank or Credit Union Repossession Collection Agency Debt ( s ) - considering Bankruptcy Other : CAR DEALERSHIP UNLAWFUL TACTICS Consumer Protection and Fraud The entity that committed consumer fraud against me was : A business My consumer protection / fraud case involves : The sale of consumer goods The performance of services Other : OTHER OPTIONS NOT PROVIDED AND FRAUDULENT. DISTRESS CAUSING RESULTING IN HARM Repossessions Date the property was purchased : XX/XX/2017 Amount of money owed on the property : $ : XXXX I am the : Owner of property that is subject to repossession The property subject to repossession is : A vehicle Date of last payment on the property : No payments Collections The date or time period when the debt was incurred : XXXX The debt relates to these goods or services : EXTRA WARRANTY 'S ADDED, LOAN FINANCING, FORCED INTO A NEW CAR PURCHASE NOT VEHICLE OF CHOICE I am seeking to : Defend a collection action against me The following actions have been taken against the person who owes the debt : Request for payment I am : Other : XXXX XXXX XXXX WAR VETERAN The collections amount is $ : XXXX
Company Response:
State: CA
Zip: 95825
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I am getting ready to pay my last car note but they're trying to charge me like {$1200.00} extra in late fees. I've tried to negotiate with them but they have zero tolerance when I tried to negotiate.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: I informed Santander Consumer USA on XX/XX/XXXX, that I am in the process of filing bankruptcy but have continued to receive multiple phone calls. I contacted them again in on XX/XX/XXXX, and told them to please stop calling me as I am currently filing bankruptcy but they have continued to call. Santander Consumer USA has placed at least 79 calls to me 3 times per day using 3 different phone numbers since XX/XX/XXXX. Santander 's harassing and aggressive behaviour are one of the main reasons I've decided to file bankruptcy as they refused to refinance or lower my monthly payments.
Company Response:
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an auto loan with Santander Consumer USA, phone no XXXX. They claim I was late throughout the duration of the loan. I was never 30 days late. My husband repeatably, when to our Credit Union which printed out all our payments for the loan. Not one was missed. However Santander kept saying we missed one. Everytime to spoke to someone in customer service the date of the late payment was always different. They did not settle for less then the amount due. Our loan was supposed to be paid in full in XX/XX/XXXX. We agreed to pay a XX/XX/XXXX to just end this battle. It had been going on for 3 years. We actually paid more, not less. They sent us the title right after that.The manager of Santander said he would remove any derogatory information off our credit report. He didn't he actually added more damage. They already have all the documentation concerning our payment history from our credit union. This was provided several different times. Also we made payment to XXXX XXXX which is a division of this company, we paid them in person. After several payments they said they had to keep forwarding them to right location could we please make our payments to Santander on line. I think that is where the problem came into play. The payment or payments never got forwarded to the right place. This is hindering us from getting a mortgage. Funny thing in XX/XX/XXXX my husband purchased a new car for me. Guess who was the first bank that wanted our business. Yup Santanders. I told the dealership I rather walk to work. These people are liars and ruin peoples 's lifes.
Company Response:
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander Consumer USA is reporting to the credit agencies that my account is charged off. I disputed the accuracy of my account status with the Credit agencies. I also contacted Santander Consumer USA who had stated that due to my account being past due in XX/XX/2017, they will not update my account status even though Im current. How can a company report the account as charged off but still have current payments. I am not past due on my account.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My auto loan was opened XX/XX/XXXX. The original loan amount was {$15000.00} with an interest rate of 21 %. From XX/XX/XXXX to XX/XX/XXXX I have made a total of {$31000.00} in car payments - nearly double of what the car was worth. Yes, I understand the interest rate is high, but I've paid double of what the original loan was for. My statement is still reflecting {$5900.00} due with a maturity date of XX/XX/XXXX. How am I supposed to go from a {$380.00} car note to Santander Consumer asking for full payment of nearly {$6000.00} dollars? I have surpassed the original contract terms of the loan ending in 72 months but still should not owe nearly {$6000.00} on a loan I paid TWICE over the course of 7 years. I am still getting late fees as my daily per diem is {$3.00} and late fees of {$7.00} per billing cycle. This loan and payments should have ended XX/XX/XXXX.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2018-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander has caused nothing but problems for me since the day I asked them to change my due date. A month or so after I received my car loan through this company I asked them to change my due date. They agreed and so I started making payments on the agreed upon date. Shortly after that I started getting bills in the mails stating that I was late. I knew that I wasn't late because I was making the payments on the agreed date. Long story short I called them several times to get it straightened out and each time I was assured it was corrected. Nevertheless the late notices kept coming. Then the repossessed my car due to their error and I had to pay to get my car back when it was not my fault. I received nothing but an apology from them and no compensation. When my car was repossessed I immediately called them and they pulled the records and the recording of my calls and found their error. I got my car back and have to borrow XXXX dollars from my brother which I had to pay back. I recently looked at my credit report and I've noticed that they haven't corrected my credit report to reflect never late b/c I was not.
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2018-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A