Date Received: 2018-03-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: It is showing on my credit reports that Santander Consumer USA did a hard inquiry on XX/XX/17. An inquiry letter was sent to the company to provide explanation for the hard inquiry. Santander Consumer USA responded by stating that my credit was pulled on behalf of XXXX XXXX XXXX. I have never visited XXXX XXXX XXXX or given anyone from the company permission to run my credit or provide my personal information to any other parties. I have never received or been offered any services or financing from XXXX XXXX.
Company Response:
State: LA
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: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I purchased a XXXX XXXX back in XX/XX/XXXX in the month of XX/XX/XXXX. I fell behind on my payments due to Santander 's predatory interest rate and fees. Santander sent me a letter asking for $ XXXX in XXXX I contacted them and offer them $ XXXX they did not accept my offer. They charged off the loan in XX/XX/XXXX now two later they sold it to a junk debt buyer who is now riding by my house shining lights in mu window. Santander has wrote this off a loss of income how do they sell a debt they claimed a tax deduction for and a tax break. They got their money for the car and a lot more. I received no re-assignment of debt or proof that the guy driving around my house has legal proof to harasses me.
Company Response:
State: NJ
Zip: 070XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by Santander marked XX/XX/XXXX on my XXXX report. I tried to contact Santander directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact Santander. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
Company Response:
State: MI
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: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a vehicle from XXXX in XXXX XXXX, Texas in XX/XX/XXXX. The tags on the vehicle stated that it was a XXXX XXXX XXXX. I did not realize that it was a XXXX until after the paper work had been ready sign and the loan financed by Santander. I tried to return the vehicle 7 days later after I had heard bad things about Santander XXXX XXXX. I could not return the vehicle. Santander has not applied payments correctly to the loan. I have made double payments and they have not been applied correctly. Also, the call at all times and days. They call from several different numbers. They have said that they have cancelled my contract and will reposes the vehicle. I have never had this type of problem with a car loan before. I don't know how to get out of this loan since the contract has been cancelled. they have ruined my credit. My bank says I should have never financed a car with them. They are misleading company and are not applying the payments correctly. I am a XXXX Veteran and my XXXX since this incident has multiplied greatly. I have cars financed all my life and never had to deal with a company such as them. They seem to be in cohoots with XXXX and both companies are both deceitful and use unfair practices.
Company Response:
State: TX
Zip: 76708
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: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have been struggling wit XXXX XXXX for several months now trying to get them to report my car financing to the credit agencies. The account was opened in XX/XX/2014 and placed in to " XXXX status '' in XX/XX/2014. They claim that it is their policy to simply NOT report on military accounts and that since the account has been closed that they can no longer report ANY information. I have spoken with their " XXXX of the XXXX '' and they concluded that there was nothing they will do for me other than send me a copy of my payment history and tell me to find a means of " self reporting ''. I can understand their desire to avoid noncompliance fines and lawsuits for service members with negative credit actions, but it is discriminatory for this company to report absolutely no information about an account to the CRAs. There is no reporting of the account every being opened or closed and yet the hard credit inquiry from XXXX XXXX was still visible on my credit report. To lenders this may be interpreted as a person applied for loans and was denied. It is absurd that they refuse to report a {$35000.00} loan that had an 18 % interest rate for over 3 years and its paid in full.
Company Response:
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX I called Santander Consumer USA to inform the company that I was surrendering the XXXX XXXX XXXX and I was leaving the car at the XXXX Dealership where I purchased the vehicle. The customer service representative who I spoke with indicated that she would note the account that I surrendered the vehicle. On XX/XX/XXXX I received a phone call from a representative indicating that they have nothing on record indicating that I surrendered the XXXX XXXX XXXX. Furthermore the customer service representative who I spoke with on XX/XX/XXXX was extremely rude.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been paying my account accordingly since the beginning of the loan. In XX/XX/XXXX, we were hit by a natural disaster in XXXX and apparently they stopped reporting my payments. This was not done at the request of myself. In XX/XX/XXXX I paid the car off. The account shown on my credit shows that the Santander account is still open with a balance when it is not.
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I make my monthly car payments to Santander Consumer USA weeks early. I get my Social Security Benefit deposit every third Wednesday. On that day, I get a XXXX Postal Money Order for {$220.00} and mail my next month 's car payment due on the XXXX of the following month and send it Certified Mail with return receipt and signature required. I got an alert on my XXXX XXXX that my auto loan balance had INCREASED and was PAST DUE after I had already made my XX/XX/XXXX monthly payment of {$220.00} far in advance. Santander Consumer USA received by payment in Certified Mail with a return signature on XX/XX/XXXX. They LOST this payment. They then applied someone else 's payment of {$410.00} to my account, then removed the error. I was confused about the {$410.00} figure but believed Santander was playing around with the interest and principal somehow, and as my account showed current, was not too alarmed. They then received my XX/XX/XXXX payment, a US Postal money order, on XX/XX/XXXX, Certified mail with return signature. BUT they credited the XX/XX/XXXX payment as my XX/XX/XXXX payment, leaving my account PAST DUE for the XXXX payment, as it was now XX/XX/XXXX. They had no record of the XX/XX/XXXX. payment 's receipt on XX/XX/XXXX when I called them. They said I had to " escalate '' the issue to " Account Services, '' faxing them all the copies of receipts I have for the mail sent and signed for, which I did to the cost of {$20.00} at XXXX XXXX ( 12-page fax ) and then mailed them a hard copy to their XXXX PO Box ( {$7.00} ) and also paid for a US Postal Money Order inquiry at the Post Office ( {$5.00}. ) I also had to pay an extra {$220.00} to bring my auto loan account current with Santander Consumer USA by using their online XXXX XXXX fast pay arrangement. They could not give me a name in Account Services to talk to, or a phone number to call them directly. They have the money order serial numbers for XX/XX/XXXX ( received there XX/XX/XXXX ) and XX/XX/XXXX ( received there XX/XX/XXXX ), the return signature cards sent back to me with their employee signatures and dates received at their XXXX PO Box , and other necessary copies related to this error. They tell me it will be 3-5 business days before any action will be taken, and yet I am out an extra {$220.00} for a payment I had already made, with no explanation of where that US Postal Money order serial numbered payment is or to which account it was applied to. I have made every payment to Santander Consumer USA ahead of time by usually a week or two weeks, and yet they still found a way to leave my account in a Past Due state and would do nothing to repair that status without me making an extra payment. I've bought cars my entire life, and have not ever once had this happen,
Company Response:
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: In XXXX of XXXX I financed a car loan through XXXX XXXX - a division of Santander Consumer USA , Inc. The monthly payment was {$500.00} with the first payment due on XX/XX/XXXX, the term of the loan was 72 months in length and I would make my final payment on XX/XX/XXXX. Over the term of my financing I ran into multiple difficulties in making my monthly installment. I was offered a deferment of the payment ( s ) that I was behind. Over the term of my loan, I deferred a total of XXXX payments. Each time I spoke with a representative of Santander they would advise me that my maturity date would be extended and I would be charged a fee of {$25.00} to defer my payment ( s ) and it would bring my account back to good standing. I would be recorded accepting the payment deferment, it would be reviewed and within a week my account would reflect current. I would not sign any paperwork for the maturity date extension. After my final deferment, my new maturity date was now XX/XX/XXXX. As I approached by maturity date I noticed that I still had an unpaid balance of {$6000.00} and knew it would not payoff by XXXX. I called and spoke with several representative at which point they referred me to their Office of the President for resolution. I tried to understand that if my maturity date for each deferred payment was extended how could I still owe so much? I was told that after any payment deferment my loan would turn into a " Daily Simple Interest '' loan if I fell delinquent again. I was never told that or did I sign any paperwork with that understanding. Because I needed my car to go to work, their OOP offered me a loan modification for the remaining balance. The balance I owed was then a new term and maturity to payoff my loan. I continued to try and understand how it was possible for Santander to extend my maturity date and turn my loan into a XXXX loan without my knowledge. I am currently still paying a monthly payment to Santander to payoff this balance. On two occasions I have asked a representative to please provide me a copy of my original loan note so that I can review to see if there is verbiage stating that if I accepted a payment deferment, my loan would be subject to XXXX terms. On both occasions, I received only page 1 of my 3 page note. I would like someone to provide me with how and where I was told about the XXXX factor in their payment deferral process. I felt so much appreciation when Santander offered me help through some very difficult financial times during my loan, but never expected that the additional 8 months of loan payments I made through their deferment program would still have me owing {$6000.00}. I am looking for confirmation that Santander 's practice is ethical and within Fed Reg guidelines. I want to ensure that others in my same situation do not accept consumer assistance programs from Santander when the consumer is unaware of the consequences of these programs.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I paid almost a year and a half on time and recently I have been going through some financial hardships and I called Santander to assist me with a payment plan. They gave one but they have still been reporting negative late payments on my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A