Date Received: 2018-01-31
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Back in XX/XX/XXXX I gave my XX/XX/XXXX XXXX XXXX back to Santander consumer now XX/XX/XXXX the charge it off n sent me a bill for {$4000.00} basically now they is still reporting to all three bureau that Im late on payment how can u be late on something was charge off in XX/XX/XXXX now all XX/XX/XXXX-XX/XX/XXXX they been report as late payment how can they keep doing this is all i want to know
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I refinanced a XXXX XXXX XXXX in XXXX. My interest rate was almost 20 %. I have paid every payment on time, with the exception of waiting on XXXX, when I got behind, but caught up payments immediately. I have noticed that since XX/XX/XXXX, none of my payments have gone towards principal. I have paid a little more than minimum payment, but my balance has not gone down since. The car is old and tried to trade it in, but can trade the vehicle because I owe almost what I paid for it in XXXX, thanks to the high interest rate. I can not get the vehicle refinanced because according to the value, it is only worth {$2500.00} and I still owe {$13000.00}. I have requested all extra payments be applied to the principle balance, but they have not. I believe this company takes advantage of people who had credit problems, but since have rebuilt their credit. They refuse to refi at a lower rate. The company is XXXX XXXX, the vehicle was refinanced with them after receiving a notice on XXXX XXXX that they could reduce my monthly payment. The original loan amount in XX/XX/XXXX, was {$13000.00} ( Approx ) and today, the balance is {$13000.00} as of today, XX/XX/XXXX.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I was in email contact with XXXX XXXX at XXXX XXXX XXXX (XXXX & XXXX) in regard to financing a used vehicle through that dealership. After discussing financing options, I informed XXXX by email on XX/XX/XXXX that we decided against purchasing through XXXX XXXX XXXX XXXX. In XX/XX/XXXX, after receiving multiple credit denials from multiple finance companies for both my husband & I that we did not authorize, I check our credit reports, and learned that on XX/XX/XXXX multiple inquiries were made to our credit report on behalf of XXXX XXXX XXXX XXXX. My husband contacted XXXX XXXX XXXX finance dept & informed them of these unauthorized inquiries & he was told (did not get persons name) that they would take care of it. On XX/XX/XXXX, we received yet another credit denial letter for both my husband & I. This time it was from XXXX XXXX on behalf of XXXX XXXX XXXX. So I again, checked our credit reports to find another unauthorized credit inquiry on XX/XX/XXXX.
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Still showing statements from SANTANDER CONSUMER USA on experian credit report with a balance of {$22000.00} and a past due amount of {$10000.00} from XXXX XXXX, 2016 which is inaccurate information on my report because I have been a victim of identity theft ...
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2014 Santander Consumer USA reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and Santander failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
Company Response:
State: PA
Zip: 188XX
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of XXXX and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.
Company Response:
State: AL
Zip: 35205
Submitted Via: Web
Date Sent: 2018-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Santander repossessed a car I purchased. The said amount of {$9100.00} is on my credit report. However, after the car was repossessed I was never given the opportunity to redeem the car. According to Georgia Code Section 10-2-36 which outlines that I had options following the repossession. The lender should have notified me of my right to " redeem '' the car within 10 days of repossession. I was not given the option to demand the lender to sell the car via public auction. I was not notified of the date and time of the sale. Since I was NOT given this information I should not be responsible for any deficiency amount.
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2018-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In the Fall of 2016 my car was repossessed due to late payments on my behalf from a friend 's house that I was staying at. At the time I was not able to afford the high interest on the car and the high payment of {$490.00}. I decided to let the car go and proceeded to get my belongings out of the vehicle. Upon arriving on the place where my car was secretly held, ( they did not let me know the location of the car until the day of collecting my items ), I noticed that some of the items in my car were missing from the vehicle. I asked the place who repossessed the car where these items were and I also asked XXXX XXXX but they both gave me no answer. Years later I have found myself financially stable so I gave them a call about possibly doing an arrangement for a pay for delete. They told me that it would not be removed from my credit until I paid the {$11000.00} in full within 24 months or I paid half of the amount off in one lump sum payment. I asked could I start to making payments on it, and he said I could but it would not be removed from my credit nor would the balance move until it would be paid in full. I was never sent any information of the car being sold nor the amount that they said I had left to pay. I called again today and they had the wrong address on file. The account # is XXXX
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX Santander Consumer USA repossessed my XXXX XXXX XXXX XXXX while I was in XXXX, NC for work. I gave up the car willingly knowing communication would ensure shortly thereafter to recover the car. I had find another to get home that Saturday after my vehicle was repossessed. Weeks passed and I received no further communication from Santander. I did, however, notice changes to my credit report during those weeks. After researching about my rights at the suggestion of a local attorney I learned Santander did not maintain a legal repossession process. After my car was taken according to " O.C.G.A. 10-1-36 ( XXXX ) XXXX. Disposition of motor vehicle repossessed after default ; right to recover deficiency '' Santander had 10 days to send me a Right to Recover Notice in which they would tell me what I needed to pay recover the vehicle and resume my car loan. To date no certified letters were delivered to me, no certified letters were signed by me ; therefore Santander violated my rights as a consumer to recover my vehicle. As a penalty of this violation the State of Georgia deems any balance deficiency void. Santander is reporting several different balances to all three major Credit Bureaus, XXXX, XXXX and XXXX. None of which are accurate, the only accurate balance would be {$0.00}. I sent certified mail to Santander on XX/XX/XXXX notifying them of their violation. They sent back letters in which the word certified has been typed on the letter, but no valid signature of receipt or tracking number was provided for these " certified '' letters. Once again, I am demanding Santander show me proof that a certified letter was received, signed and delivered to me regarding my right to recover my vehicle and resume me loan. Without a documented process to notify me properly of my right to recover Santander has no right to recover a balance for the car. They are well aware of my dispute of the reporting balances, therefore I am waiting until XX/XX/XXXX for this documentation to be presented to me. Without it I will proceed to file against Santander XXXX XXXX to the Georgia Attorney General for illegal business practices in the State of Georgia. I will not rest until they remove the false reportings of a past due balance from my credit reports. They are no longer are entitled to any deficiency balances, because they illegally processed and sold my vehicle without my knowledge or giving me the right to recover it in time.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I received a loan from Santander Consumer USA back in XXXX and the vehicle loan was paid off in XXXX! I had a late payment twice and it is still on credit report after 5 years that the vehicle was paid off. I was delinquency XX/XX/XXXX and XX/XX/XXXX that was 7 years ago! I think it should be dropped from my credit report bye now! XXXX report!
Company Response:
State: KY
Zip: 422XX
Submitted Via: Web
Date Sent: 2018-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A