Date Received: 2018-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Quite unsure why i have loans open under my name for a vehicle that i did not purchase
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
Date Received: 2018-02-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX XXXX for the last 2 yrs has tried to collect on a debt that has been written off and should nolonger be on my credit report. The original debt was a car loan through Santander Consumer USA. This was written off in XXXX and and should have been removed from my credit report in XXXX. At that time XXXX purchased the account, listed it as a open account and says that there is a balance of {$4800.00}.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/2018 I called Santander Consumer USA to discussed have my payment were only being applied to interested only. When I spoke to the customer service rep she was unable to explain why all on the payment were being applied to interest regardless of the amount of payment. I check the back of my statement and it does not specify have payment are applied. My schedule payment amount is XXXX. I typically pay XXXX instead of XXXX. I would like details as to how and why my payments are only being applied to interested. I understand that this is a high interest loan, however I do not understand Santander accounting practices.
Company Response:
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: This is my original case number with your agency : XXXX. The case number is also listed on the Santander Settlement Agreement dated XX/XX/XXXX. The settlement agreement required me to pay $ XXXX/monthly starting XX/XX/XXXX and my last payment would be XX/XX/XXXX. I paid it monthly as agreed. When I called in XX/XX/XXXX a female Santander employee reminded me that XX/XX/XXXX would be my last month, and I would get my Certificate of Title then. I called today to pay it over the phone and asked to speak with the same employee from XX/XX/XXXX. " XXXX '' said he would handle it. He placed me on hold several times, and said he didn't know I had an agreement. Then he said, " Santander doesn't have a copy of the agreement, my bad ''. I can't believe I honored the agreement and when time came for my final payment, Santander is now saying they don't have an agreement with me. Sometimes I made my my monthly payment directly over the phone with a Santander representative, and the representative would remind me how many months I have left on our agreement. " XXXX '' wouldn't even let me pay today and get released per the terms of my agreement. XXXX 's exact words when he couldn't find the agreement " my bad ''. He said, he didn't even know they had one with me. I don't understand how a large corporation could say it's " their bad '' that they lost the agreement when time comes for me to get my title. I called to make the final payment and couldn't today. I will hold off on making the payment because I see now this is beyond deceptive loan practice.
Company Response:
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Not my account. I need to see the original documentation.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Good evening At XX/XX/2017 after the IRMA Hurricane I just received a letter from Santander Consumer USA my car loans Bank. In this letter they was offering payments extensions to us The Costumers. They havent mentioned nothing about fees, interest and I havent ask because they are offering a help. They approved an extension for two months. The extension ended XX/XX/2017 and now after 3 payments, they take all the mony for interest, nothing to the principal and my contract was extended 2 month more. Almost {$900.00} on interest, a help that I have to pay to Santander thanks to the Hurricane. Is good let you know that Santander Finance me a XXXX XXXX XXXX XXXX at the 25.5 %. a percentage that kill me, and even like that, Ive never been late on my payments. Thanks you so much for your help.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I keep getting unsolicited calls from a debt collection agency who claims to be located in XXXX tx named SANtander. They claim I have a XXXX XXXX and keep calling for XXXX XXXX or XXXX. I have told them my number is not asicaocatied with these people and to not call me anymore XXXX. It happened back in XX/XX/2018 I thought I wouldn't receive anymore calls then yesterday at XXXX I get voicemail asking for me to call her back XXXX ( XXXX ) XXXX she's there till XXXX. They want to run my credit card and only want a debit card and XXXX XXXX is how the payment is applied. Last time they said they were the law and and used XXXX ( XXXX ) XXXX This number. I have registered my number w do not call list yet they keep violating the rules an think it's joke and it's illegal to solicit money in fraudent ways. They claim to be a debt collection agency
Company Response:
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: On or about XX/XX/XXXX my vehicle was repossessed. The vehicle information is as follows : XXXX XXXX XXXX XXXX : XXXX I was never notified of a notice of Repossession, nor was I notified of the plan to sell the property. I contacted Santander Consumer ( Finance Company ) on XX/XX/XXXX to get a copy this notice and it still has not been received. They stated it was sent to the following address on XX/XX/XXXX. The representative that I spoke to stated that the letter went out to the wrong address ( so it was never received ). I always wanted to know why the memo went out on the day the vehicle was received. The representative said she was unable to answer these questions and also stated the President of the company will notify me. I still have not received this phone call from the President nor mail correspondence. Additionally, I am currently and have been serving on XXXX XXXX ( XXXX XXXX ) for the past 15 years. I am protected under the Servicemembers Civil Relief Act ( SCRA ). The Servicemembers Civil Relief Act prevents car lenders from repossessing a vehicle without a court order while in military service. This act protects me until I depart and separate from military service ( I am still serving ). I am disputing this case because I was not given the owed timeframe to recover the vehicle, nor was the intent letter sent to me before the vehicle was repossessed. Now this balance is on my credit report and has affected my score immensely. Additionally, there was no notice or court order, the car was repossessed illegally, I am disputing the payoff balance of {$4100.00}. I hope I get the justice I receive. Thank you for taking the time to consider my case. I can be reached via email at XXXX or by email at XXXX. Very Respectfully, XXXX XXXX XXXX
Company Response:
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent a debt validation letter to Santander Consumer USA in XX/XX/XXXX, never received anything in response. I spoke with an account manager on the phone for Santander Consumer USA and asked for all paper work from my file to be sent over to validate this debt. His response was " do you not remember? '' I let him know it was for my records and that Santander is reporting different amounts to each Bureau, and also reporting late payments twice a month on this account and it is ruining my credit. This account is closed, therefore I have no late payments. He simply replied " I don't know what to tell you, you should just pay it. '' So I never received the paperwork as asked. They have called me at least once a day and I have repeatedly had the same conversation over and over but they refuse to send anything to me. This is harassment and is illegal, my account is closed with them. I have now sent letters to each credit bureau, and asked that they verify this account and send me all documents they used to do so, XXXX XXXX and XXXX both came back " verified '' and no proof was sent over. XXXX deleted the account as they found there to be no validation of the account. This account is closed and charged off as bad debt. They gained a profit and write off from my account, along with selling the reposed car we once had. This account was closed in XX/XX/XXXX. Yet every month Santander has reported a late payment on my accounts to the bureau, they also have reported different closing dates, and amounts owed every time this account is disputed by my husband and I. They have been removed and added back on numerous times. This is harassment and illegal. Reporting that we owe the same amount on our loan that we did the day we bought it and reporting late payments twice a month even though the account has been closed almost 2 years now. This is making us look bad to financial companies and is completely out of line. This debt is not valid and should not be on our credit reports.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Santander consumer USA sold their contract to XXXX XXXX XXXX on XX/XX/XXXX, which makes Santander Consumer no longer the owner of the contract. Santander consumer USA is still reporting that I owe them {$25000.00} which is a fraudulent amount the car was sold at the auction and I never owed {$25000.00}!! they sold the debt and the debt was written off, they are reporting this fraudulent account as open then closed the account is charged off and sold. I sent Santander consumer USA a certified letter on XX/XX/XXXX asking their company to verify the debt and if they no longer own the contract to stop all collection activities! Santander consumer USA never responded to the letter even though they received it! What Santander is doing is illegal and they have violate federal law! I have filed a complaint with the attorneys general office
Company Response:
State: FL
Zip: 33916
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A