Date Received: 2018-03-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: i contacted police once i returned home from a weekly vacation to realize that my vehicle had been stolen. some of my things were missing that were inside the vehicle like my wallet which had my credit cards, id and ssn card inside and a few clothes that i had stored in the trunk. i later realized that some purchases had been made and that unauthorized activity was showing on my credit report. ive contacted the agencies to get it resolved but no one has been communicating with me.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2018-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX and did not receive a response. I will include a copy of the signed receipt of the certified letter. XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and XXXX. XX/XX/XXXX - I received fraudulent documents from XXXX XXXX with a signature that does not belong to me and XXXX XXXX transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.
Company Response:
State: TX
Zip: 77086
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: In reference to previous CFPB complaint # XXXX dated XX/XX/XXXX and company 's response to said complaint, I still HAVE NOT received my refunds in the amounts of {$620.00} ( security deposit ) and {$170.00} ( overpayment ). Company stated that the refunds have been sent to me 2 weeks ago ( in company 's response to above cfpb complaint # ). Yet I have still not received anything. When I call XXXX XXXX to inquire about the status of my refunds, I just spoke with a XXXX in customer service ( XX/XX/XXXX approximately XXXX EST ) who informed me ( after reading all the notes on the account and having me on hold awhile ) that they no longer have a system where they can see when the refund was issued to me or any type of status relating to it. XXXX says they " used to '' have it but have recently gotten rid of that system. What??? How convenient. She then goes on to inform me that I should get my refund " any day now. '' I was then transferred to XXXX in the lease department who informed me that he didn't see the {$620.00} amount as a refund or security deposit or that it even ever existed on the account. Basically, I am still being given the run around and have NOT received any refund.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2017, I took my niece to the car dealership to look at some cars. They ran her credit and said she needed a co-signer. I was told by the salesperson that I would be able to co-sign for her vehicle after he ran my credit with the bank. I discovered later that he ran my credit 4 times with 4 different banks without my consent.
Company Response:
State: CA
Zip: 95242
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am filing a report against Santander consumer due to account is on my report after it was agreed to be removed on XX/XX/2018. I have sent a letter and spoken with several representatives, requesting for them to remove and which they agreed. However its still showing and reporting negative on my credit report.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
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 have been engaged in dispute with XXXX XXXX XXXX XXXX, Santander, and XXXX XXXX XXXX since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA.
Company Response:
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX, I received a voicemail saying his name was XXXX XXXX from pre-council summons of " my jurisdiction '', and he had tried unsuccessfully to serve me a summons to appear and would now be serving it to me at my place of employment. I have been XXXX and not working since XX/XX/XXXX. I called them back to find out what this was all about. The man who answered the phone did not identify himself or the name of the company. I asked why I was receiving this phone call. After providing him with my phone number he said they have tried twice to serve me a summons to appear for Defrauding a Financial Institution. I asked him what he was talking about. I have committed no fraud, let alone Bank Fraud. He then said it was in regards to a XXXX XXXX, XXXX XXXX, that I had returned to XXXX in XX/XX/XXXX due to declining health and losing my job. He explained that the car had been sold at auction and the remaining amount still due was XXXX, and they were suing me for that amount. I tried to calmly explain to him that the Statute of Limitations in the State of Texas is 4 years from the last date of payment on the debt. He then told me I don't know the law he does and I am the scum of the earth. When I asked if he was an attorney, he just got louder and continued to call me the scum of the earth. When I asked the name of the company he was representing and contact information he hung up. I called back and spoke to XXXX XXXX. I asked her the name of the company and address. She quickly gave it to me while asking what this was about and why I needed it. While she was doing this she was looking up my phone number to see who she was speaking to. When she asked what this was about and I asked had her company filed a bond with the State of Texas to collect in this state she told me they don't have to do that because they are a recovery company, not a debt collector. She kept asking why I needed to know and I told her I was filing a complaint with the State of Texas and the FTC. She said good luck trying to do anything to them. Then hung up. I called back because I was not sure I had gotten the correct city, XXXX again answered and said she didn't have time to talk to me and hung up. I had to call back a third time to have someone tell me the city and zip code. I believe this is the same company, operating under a different name, who contacted me last year with the same threats and insulting language and behavior. I had to actually block that number so they would stop harassing me. After researching more I have found that this company has called many people using the same tactics and have used the name XXXX XXXX XXXX XXXX, ( which is the name they gave me ), and XXXX XXXX.
Company Response:
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My email address of XXXX is incorrectly being used by XXXX XXXX XXXX to collect a debt from someone with the same last name as mine who lives in XXXX XXXX, La. I have phoned them four times. On my last call, earlier today, a representative named XXXX from the XXXX XXXX XXXX XXXX XXXX, XXXX, told me it would be against their policy to remove my email address from their address of record because they did not have the permission of the client. Santander is contributing to identity fraud by refusing to admit they are contacting the wrong person.
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
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 filed several complaints with XXXX and XXXX over a serious problem with Santander USA, they both closed the account on XX/XX/2018, but it's still showing a derogatory reporting and this debt should not show a derogatory balance at all, they do not have the correct paper work which I have contacted them ( Santander ) as well and they are making false claims in reference to this account I have sent several certified letters to XXXX XXXX and Santander and I am just receiving a closed account with a balance Santander has already made false claims and if the balance of this closed account is not resolved I will file a small claim against the companies stated above for breaking for violating section 609 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 1 ) ( A ) and section 611 ( a ) ( 7 ) as well as under ( section 616 & 617 ) and I will pursue litigation to force the rights under FCRA.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A