Date Received: 2018-03-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX XXXX repeatedly reports inaccurate account information ( date opened : XX/XX/2016 ) and without validation of the debt owe to the credit bureaus in violation of FDCPA and FCRA
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2018-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-17
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: In XX/XX/2015 I purchased a XXXX XXXX from XXXX XXXX from XXXX XXXX with a service contract costing me {$2500.00}. The car was in an accident and was determined by the insurance company to be a total loss. I ended up going back to XXXX to refinance another vehicle. XXXX never reimbursed my service contract. The car was finance for over 6 years and I owned the car for about a year and never really used the service contract. In which XXXX never offered a rental. I then got another XXXX XXXX from XXXX. The financing now had an interest rate of almost 20 %, but I needed the vehicle. I also got another service plan for {$1800.00}. Unfortunately this car got in an accident and claimed a total loss and again XXXX XXXX kept my service contract money. This car was owned a little more than a year. I find {$4300.00} is a lot of my money to keep. This needed to be reported. I can supply any documentation needed to stop this type of stealing from customers. Thank you, XXXX XXXX
Company Response:
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2018-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I made a call to XXXX about unauthorized credit inquiries on my account. After speaking with Customer Service Rep, XXXX XXXX and then being transferred to Customer Service Supervisor, XXXX XXXX, I was told that there was nothing that they could do on their end without having a Letter of Dispute or Termination on Contract from the listed companies. When reaching out to the various companies they were unauthorized to run a credit check on my behalf, I was more or less told by 2 of the 5 company customer service reps that " Hard Inquiries '' fall off in 2 years and I am approaching that 2 year mark. Of course they worded it in better terms but nonetheless, this is disgraceful hearing from a company as they do not want to own up to their misuse of people 's information and as a result, the only solution that they offer is to " wait it out '' since the 2-year dismissal is approaching. These credit inquiries are affecting my XXXX and FICO scores now but these companies bank off of bad debt and do not want to remove them. The companies are as follows : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Ran unauthorized inquiry on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Ran unauthorized inquiry onXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Ran unauthorized inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Ran unauthorized inquiry on XX/XX/XXXX
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Bought a new car from Santander consumer USA as financing company. The car was taken by the city of New York for {$350.00} parking ticket. When I decided to payoff the ticket, the ticket amount was increased to {$3500.00} out of desparity. I called Santander consumer USA and made an arrangement to pickup the car for the {$350.00} which was XXXX and reasonable. Santander and I agreed that they will void the financing agreedment in place and I have to buy the car back at the same prevailing price as a repurchased. That, the original contract will be voided without any commitment. And, a new contract will be executed moving forward. They got the car from the city of New York and I signed and sent back the current attachment. The term was, pay {$150.00} on XX/XX/16 pick up the car with same amount. A new purchase contract was never provided as required by Federal Truth in a Lending and Billing Disclosures act. I had issued a check that the bank had returned with put any reasons. Santander consumer USA stole the car from my driveway the same day without any legal warning or been inform by return check. I would have provided an alternate payment and I had overdraft protection with my bank. The Federal law states that I have sixty days to dispute a debt. The original contract was voided and a new executed contract attached was provided which I signed and perfected to. There was no repossession clause and late payment.
Company Response:
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account at Santander Consumer USA became seriously delinquent after I lost my job. After receiving an employment settlement, I contacted the company to pay it off. We agreed on a settlement amount of XXXX on XX/XX/2018. They updated the credit bureaus that the account was closed/ charged off as bad debt that very same day. When I got the credit alert, I called the company back on XX/XX/2018 and said that I did not want the settlement and I wanted to catch up the payments and pay off the loan as agreed. An employee from Santander helped me to take the payment to pay up all the past due payments to have the account become 'current ' in their system. The account was re-opened and I have complete online access to my records. I've made two more payments since for XXXX and XXXX. The system is showing my next payment due as XX/XX/2018. Same account - same payment amounts, same payment history. Their system is showing I have caught up all the payments and have a total of 53 payments made with a loan maturity date of XX/XX/2018. However, they refuse to remove the charge-off status. I've had my complaint about this escalated as far as I could to resolve this issue. I have also disputed the status in XXXX, XXXX, and XXXX. I just got off the phone with XXXX XXXX from XXXX ( XXXX XXXX ) She told me they are reporting the account as open but she would not give me any documentation to say that. She advised me to get with each of the credit bureaus and dispute the status because they are reporting the account as open. However, there seems to be something very, very, wrong here and I think they are committing tax fraud or cooking their books. How can an account be open and current with all the payments caught up and the account shows in good status AND also be something they are charging off their taxes at the same time? They will not remove the charge off. They are saying my account can be open and current AND still be a charge off. Im going to pursue and make a complaint with Consumer Protection Agency and I dont know who else I would need to contact, because the account should be listed as previously charged off and now current or something like that. My original loan is open and in good standing with them. Im sure they are violating the law at this point.
Company Response:
State: OH
Zip: 43209
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I believe my ex-boyfriend used my social security number to see if I can be a co-signer and at the time of the dates those are around the month I believe he was trying to purchase a car from XXXX XXXX XXXX.This was also around the time my bank information got out and I had gift cards charged to my bank account but that was resolved. My personal information was used without my consent. XXXX XXXX XXXX XX/XX/2017 SANTANDER CONSUMER USA XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 I called each company and they all asked was I trying to purchase a car and I already have a car and they had me under another name but my social security number.
Company Response:
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: its been a long way trying to fix this problem with this people but all they did made me lose my money and waste my time.Firstly On XX/XX/XXXX they received a check from XXXX XXXX dealer about a gap cancellation .insteed that money go to the principal they took that as a payment. charging interest .we claim for that but that was worse when they fixed they changed the payment day as I have not made payment for the last month charging me high interest .I called them on XX/XX/XXXX th because they send rowng stayment and were charging me XXXX dollars of interest they told me that was rowng and all is going to be ok todat after payment they took everything of interest and say the same of always leave a claim and wait for at least three days and again and again
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Good afternoon, I receive continues and annoying phone calls from this debt collector. They do not let me finish when I try to explain that I am not the person they are trying to reach. This is every day and every week. This needs to stop please!
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: They are reporting that my account went 30 days late in XX/XX/XXXX. I've never been late. I've tried fixing this with them directly but they are unwilling to fix the problem. I've asked for proof of an online chat that took place around XX/XX/XXXX-XX/XX/XXXX where they say I was told to pay a certain amount for the month of XX/XX/XXXX and they are not willing to provide that proof to me. It was their customer service rep that made a mistake on my account and they are not willing to fix it. I've paid all of my bills on time. This is the only problem I'm having.
Company Response:
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2018-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I purchased a XXXX XXXX XXXX on XX/XX/2017 from Santander auto finance. Through XXXX XXXX dealership the car is a lemon it is not or was not suitable to be sold. I contacted them to also let them know my contract was fraudulent as well since the car loan was for {$22000.00} and I put down {$10000.00} cash. Santander doesnt want to assist me at all.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A