Date Received: 2018-02-28
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: After Gap company and insurance company paid off balance of the car the finance company add {$490.00} to the remaining balance that Gap company did pay/wave off. It was about {$1900.00}
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Since the beginning of the loan we have paid at least one month in advance to reduce the high interest charged by Santander. Monthly statements would indicate that the next payment was due in 60 days not 30. Since receiving the XXXX statement, monthly statements indicate payment is due in 30 days. We have spent numerous hours trying to straighten this out. Today, a manager told us that the company has made changes to " prevent customers from paying the loan ahead ''. The manager says that there is nothing we can do, and prepayment are not being applied. We have prepaid for six years!
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was shocked when I received my credit report and found late payments that I did not recognize. I'm not sure how this happened, I believe that my account got merged with someone else 's account. I have made my payments on time. Alleged Missed Payments 1. XXXX XXXX : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks. 2. XXXX XXXX/XXXX : I was never 120 days late. Please update to Paid as agreed, never late. 3. XXXX/XXXX : I was never 30 days late. Please update to Paid as agreed, never late. 4. XXXX/XXXX : I was never 150 days late. the other two bureaus have me listed as " Paid As Agreed. '' Please update, thanks.
Company Response:
State: FL
Zip: 33430
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: NOT MY ACCOUNT. CAN'T GET REMOVED. HAVE SEVERAL. VICTIM OF IDTHEFT AND STILL HAVING ISSUES SINCE XX/XX/XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$1100.00} past due as of XX/XX/XXXX. Status UpdatedXXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ 0 Monthly Payment {$0.00} Original Balance {$1000.00} Highest Balance {$0.00} Terms 1 Months On Record UntilXX/XX/XXXX
Company Response:
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I purchased a used car and it financed threw XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX XX/XX/XXXX It was then chgd to Santander consumer usa XXXX XXXX XXXX XXXX i got behind due to car broke.and had to leave at family home on XXXX on XX/XX/XXXX.. it noted i was 30 days late.this acct is over 7yrs old. Then it was sold to XXXX XXXX.the dates were put as if i owed this debt 1st day deliquent XX/XX/XXXX i disputed but thy say its accurate and i never lived at XXXX asked it to be removed but no luck this account is way over 7 yrs old from 1st delinquency and thy wont post it accurate i have documentation..
Company Response:
State: TX
Zip: 75482
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have disputed a account from Santander several times with the bureaus in the past and it has come back verified. Santander has not provided me with competent evidence of the alleged debt amount. I have not received any of the documents of acceptable verification. Yet, they continue to report the account to the bureaus as verified. I have requested, a signed Contract, which I have never received. Also, I have never received a deficency notice after the car was resold or auctioned off. Therefore, I have no proof of the alleged amount to be paid. Sandander is reporting a balance, although I have NEVER received a itemized account of all amounts claimed to be owed in connection to the debt. Including loan principal, interest and other all fees. Nor, have I ever been contacted for any collection purposes EVER. However, the account is on my credit report. If Santander can not provide all of the validation the account MUST be DELETED. Also, reporting a debt to the credit reporting agencies that can not be validated is a violation of the FCRA ( Fair Credit Reporting Act ), and carries a fine to be paid to me. PLEASE GIVE THIS MATTER THE IMMEDIATE ATTENTION IT DESERVES. Please be advised that this is the final attempt to resolve this matter and if not resolved, I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Company Response:
State: TN
Zip: 37072
Submitted Via: Web
Date Sent: 2018-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-25
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: XX/XX/XXXX I was looking to buy a used truck for under {$10000.00} I found on the internet. I knew my credit score was weak because I just did my annual free credit report.i found the truck and wanted to make a deal. I then was told that no finance company would do a contract due to the miles and that I needed to look for a more higher price vehicle to guarantee financing.So I was pointed to a XXXX XXXX XXXX XXXX.which had a sticker price marked at {$18000.00} on the window the basic model car I then went ahead and just told them to pre screen me to see if I qualify for a loan on the car, I didn't even test drive the car because I didn't think I would be able to afford it.so while in the office I mentioned to the dealership manager that my sister was a employee at their dealership and he assured me that I would be taken care of.ok while the contract was being drawn up the manager walks in the salesmans office and says by the way I'm throwing in a service contract for your car it's really good and it will help your deal go through because finance company 's like that your protecting your investment I mentioned to him it's a new car doesn't it have a factory warranty? His response was I needed it to assure me the loan and I can remove after 6 months.I honestly felt I can trust him being that I have family working there.So then he comes with my credit report and asks me if I was in jail for like 10 years or something why I did not have any sign of revolving credit or bank account or credit cards? I told him I had a car reposessd in XX/XX/XXXX and that it just depressed me and would never let it happen again so I was just cash on hand.he mentioned that no bank would give me a interest at 3 % which is what I asked for I had a lack of credit history total debt was {$1100.00} how a 13.9 % interest rate on my final contract and i was told only chrysler capital was the only one who could finance me was odd. 6 months go by I remove service contract, and I am devastated when I hear XXXX is stopping production on the XXXX.I saw a msrp in XX/XX/XXXX of {$21000.00} fall to {$13000.00} with factory rebates on the same purchase I just made 6 months prior.I can't refinance car because I owe {$16000.00} on a car that was financed at 13.9 % all my payments of $ XXXXmore the 3/4 going towards interest I know cars lose value but this is like a robbery on paper I wrote dealership various letters with no response.all I ask is a fair deal, I like the car.i paint cars for a living and I did some awesome upgrades to the car I want the dealership to rewrite the deal at a lower interest rate without the service contract so it doesn't inflate the price from when I bought the car with the {$1000.00} down I put on it and I don't think it's fair to be mislead into buying a car because of the price keep in mind I walked in looking for a truck.
Company Response:
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2018-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Over the last three years I had gone through financial hardship, and was struggling to keep my business afloat during from XX/XX/XXXX. I missed a few car loan payments because I had little to no income to pay down the vehicle loan. I took the necessary steps to get back on my feet and ended up resolving this financial hardship by closing down the business and gaining full-time employment as of XX/XX/XXXX. My salary is now six figures, which is more than double what I was making when I originally filed for the car loan in XXXX. The interest rate I'm currently paying today is way too high. Even though I requested a few times over the past two years to lower payments, the request was understandably denied by the loan company. This caused me to make more and more late payments and pay down whatever I could whenever I could afford to do so, including the additional late fees and penalties. In total - I was late on 14 payments over the last 4 years, however, have gotten back above water and am now in good standing with no threat to be late again. I might even be able to pay off the entire loan balance ahead of schedule.
Company Response:
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have auto inquiries on my credit score that I never gave my consent to
Company Response:
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have inquiries on this account that i did not authorize or complete personally
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A