Date Received: 2018-02-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My name is XXXX XXXX XXXX I bought a car from XXXX in XX/XX/2015 got the loan from santender. The first week I had the car the check engine light came on so the car went into the shop so every month I had the car it was in the shop until the engine final gave out and they didn't want to pay {$7000.00} for a mother so they sold it and left me with the remaining balance. Since then my life has been a living XXXX I'm homeless living in a tent outside with my son I can't get a place because my credit is bad I can't get a job nothing
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have dealt with financial hardship, And was homeless at one point an trying to get back on my feet this has hindered me from moving forward. The dates and amounts are incorrect. Also, some account are 7 years old or more.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Customer service would not take care of these Inquires that was not approved by me XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XXXX/ XXXX -XX/XX/XXXX Santander- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: The company is Santander consumer. I was not able to make payments with the title loan back in XX/XX/XXXX. I tried to make arrangement to get back on track. The only option was to pay over {$2000.00} in ten days or give them the van. I gave them the van. A man came and picked up the car. They did not have to tow just drive away with a full tank of gas. I was told they would sale the van in a month and get a statement if anything else was owed. I did not hear a thing for years. In XX/XX/XXXX they called my husband. Not me who was the only one on the loan. At first he kept telling them he didn't do this loan. After time we figured out who they were. We asked for a full report for we did not get one three years ago. This loan is not on his credit report. When we finally got the paper work it was confusing. By the time they sold the car the principal balance was {$1.00}. But a misc. Fees of {$330.00}. When asked what those fees were, anyone we talked to in the company refused to tell us what the misc fees are. We told them that if they can't explain the fees then why would we pay them for nothing and we could pay them the {$1.00}. They said no you have to pay the fees. When asked them how we can get this solved they just said pay and now they are charging more. On my credit report it now says I owe {$780.00}. This company waited for over 3 years to tell me I owe them for fees that wont or cant explain and now they just call and call and still refuse to work with us.
Company Response:
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have recently obtained a copy of my XXXX credit report. it showed a credit inquiry by your company that I do not recall authorizing. it is my understanding that you are not allowed to put an inquiry on my file unless I have given you express authorization to do so. Please have this inquiry removed from my credit report because it is affecting my loan applications and making it very difficult for me to acquire credit.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXXI went with my sister to get a car for her business.She decided to go to XXXX around 4 or 5 pm. I spent about an hour waiting in the car for her to get done because she needed someone to drive the vehicle back. When she came outside she let me know that they had advised her to get a cosigner. I let her know that I only make about 8k a year so I wasnt sure if i would help but i would try. When we sat down with the car salesman he presented me with a contract. I wasnt given a chance to read it im not sure if it was because they were about to close, but they had all of the signature places highlighted and directed me to sign and initial the contract. I did not receive a copy of the contract at that time. I also never received in documentation of the payments required, the principal amount or even given access virtually to this information. It wasnt until there were multiple late payments listed in early XX/XX/XXXX that I noticed there was an issue of non-payment. I reached out to my sister but she was unresponsive. I tried to reach out to Santander multiple times, On our first call, they asked me for my address and phone number, Which proves they never had my information in the first place. After several attempts to resolve the issue with Santander by phone and by mail I was forced to file a complaint with the XXXX. Through the XXXX I was supplied the contract which I will include for documentation purposes. You can see that in XX/XX/XXXXthe XXXX XXXX XXXX XXXX address that was mentioned was not my address. I lived with my dad at XXXX XXXX XXXX which he will verify upon request. I will include picture of ID for further verification. I did not receive mail from either XXXX or Santander to either of these addresses. I also noticed that the car had been transferred out of state without notice to me after reviewing the contract that they sent to me through the XXXX. They never attempted to repossess the car per my knowledge and now the car has conveniently disappeared. I told them that I didnt know where the car was but I told them to repo it and per their own documentation they did have knowledge of its location that wasnt expressed to me until my complaint with the XXXX. They obviously didnt do their due diligence in trying to get the vehicle or they did and never reported it. After the complaint they did not send me any more information or try to solicit payment. The account was then put into charge off status, again another aggressive move without notice and it wasnt until after then that I started receiving calls. Yet even in its current status they continue to increase the balance of the debt and add additional late payments. Also there are discrepancies between the bureaus reporting of the account. I believe that XXXX is still reporting late payments and it shows a charge off date in XX/XX/XXXX. While transunion just shows last payment which was in XX/XX/XXXX and an unknown charge off date. They have increased the debt amount since then, which I had to dispute separately. And if you look at the document with the contract you can see the inconsistencies.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquirer Name : XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX My identity was stolen about 14 years ago but still till this day they try to apply for loans and credit cards they even tried to steal my mail from my house, they applied XXXX XXXX twice separate dates, i haven't use my credit for more then 10 years because of this problem my life is ruined because of identity theft, please remove this 2 inquires from my credit report, even if it matches your information that doesn't mean i applied for it, thank you.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have attempted to correct the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that are inaccurately reported on my credit report. I have made numerous call and email requests for over a month and have also sent a letter in the mail. I'm continuously being ignored.
Company Response:
State: MO
Zip: 636XX
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX XXXX sent notification that my account was closed XX/XX/ 2018. Since, they have acted fraudulently, lost payments, misapplied payments, and delayed the final payment of a XXXX insurance claim, and charged added interest during the process. The company actually owes me over 600.00 dollars, and continue to stall the process avoiding due payout. I have spoken endlessly with various " managers '', and have had to repeat facts which apparently are not actually responsibly documented. XXXX XXXX failed to act ethically, and made no bones about the excessive hours and iterations of the same problems without consideration for the corrupt records, or the future errors and effects that would have on my near perfect credit. I will never deal with this company again, the administration is confused and act irresponsibly with regards to client accounts. They can not be trusted. I would attach files, but the record of XXXX is too thick to manage in one PDF
Company Response:
State: MT
Zip: 59701
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My vehicle was repossessed in XX/XX/2015 in the state of Georgia by santander. I received no certified "right to recover" notice within 10 days of repossession. I was never notified of sale, or a chance to purchase the vehicle, which is required in the state of Georgia. I contacted Santander and they offered no solution
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A