Date Received: 2018-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XXXX XXXX, 2018, Santander Consumer USA has falsely and illegally reported inaccurate information onto my XXXX XXXX Credit Report. Due to that fact my score has decreased tremendously of 15 points. Upon my personal investigation of going over my credit reports ; Santander Consumer USA has reported that I have missed payments when in fact that is n't accurate, Santander Consumer USA has reopened the account and added more average age time to my report when in fact that information is inaccurate and that information has never been on my report since the time of the repossession, Santander Consumer USA has increased by {$2100.00}. This is literally the 3rd time Santander Consumer USA has increased the amount on the account ; illegally. Santander has also listed the loan terms as 76 months. Santander has never sent verification when they said they sold the vehicle. Nothing in writing.This problem needs to be in fact not re investigated, this needs to be deleted. They are destroying my credit and making it seems as if I 'm not credit worthy and it is n't right at all.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a car through XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX. I made all of my payments on time. In XX/XX/XXXX, I claimed bankruptcy. When the company got notice from the court, they shut off my access to my account. I continued to make my payments on time and signed a reaffirmation agreement. I called in XX/XX/XXXX, because I could not access my account. I was told that I had to wait until the bankruptcy was discharged, to have access to my account ( statements included ). My bankruptcy discharged in XX/XX/XXXX. I called in XX/XX/XXXX to find out why I still could not get access, and was told it could take up to 3 months for them to get the discharge information. I called again today, XX/XX/XXXX because I am still unable to access my account, and XXXX XXXX still hasnt reported my payments to the credit bureau. I was told today, that unless my bankruptcy was terminated, which to my understanding, is a dismissal, which will not happen because its been discharged, I will not have access to my statements or account! I signed a reaffirmation agreement for the sole purpose of the company reporting my payments to the credit bureau, to help rebuild my credit. I have no information such as account numbers, or what is left to pay on my loan, or how much of the {$510.00} a month is going to interest or principle, to supply with this complaint because they will not give me a statement or anything.
Company Response:
State: NH
Zip: 034XX
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX i spoke with XXXX at the Office of the President for Santander Consumer with regards to my car loan. On this call, he stated that the payment ( s ) for both XX/XX/XXXX and XX/XX/XXXX were to be deferred, yet they reported them as late to the credit bureau. Please see attached.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Please consider my request for support and assistance to have XXXX XXXX Update the Account Information and Payment Status on Our Credit Reports. I am newly XXXX and this situation is more than either I or my husband can handle. We have expressed our request and concerns to the lender or various occations to no avail, each time we get some one different on the phone and it appears they dont care or dont understand what im asking for. Please assist us in resolving this matter? My husband XXXX XXXX and I have an Open Active vehicle loan account of which we pay monthly payment of XXXX as agreed upon ; However upon reviewing our credit reports for both myself and my husband XXXX XXXX The XXXX XXXX account reflects in a " CHARGE OFF '' status and - that is not correct. I believe this is miss information that stems from a time when we began to go thru financial difficulties due to my failing health and loss of income - I was laid off from my employer XXXX XXXX XXXX, this vehicle account should Not have gone to a " Charge off '' status. I have been going through a medical crisis because I have XXXX and my XXXX were XXXX, which finally resulted in a financial hardship at one point we considered doing a bankruptcy but decided we did not need to bankrupt we could just work with the creditors direct - this is what we did with XXXX XXXX we reached out to the lender and learned what the total amount to bring us current was and we were informed that if we payed XXXX this was the amount that " would bring us current with the next payment due the following month, and that would cure what we were behind ''. I was very ill due to chronic condition called XXXX XXXX - it has currently damaged my XXXX function to the point that I have what is considered end stage XXXX XXXX and am now on XXXX awaiting a XXXX donor. - At the time we bought the vehicle my health was in a very different position- I was healthy. I was employed full time and it was prior to my health failure. ( I was unable to continue to work for some time beyond my control and this was the beginning of our financial hardships, I was layed off and fell ill however, we stayed in communication as best we could to advise our payments were going to be running behind and always payed when we said we would. I am seeking relief from the constant damage XXXX XXXX has done to mine and my husbands credit report. Please update the credit report to show our payments Are up to date. I am concerned about making more payments than nessessary because I dont know how much we truly owe. I am XXXX and XXXX XXXX doesnt care about that I need help and support to fix this matter. Thank You kindly for your time and attention, Sincerely, XXXX XXXX and XXXX XXXX Reg : XXXX Account
Company Response:
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This complaint is against XXXX XXXX AKA Santander consumer Usa. I opened an account with this company on XX/XX/XXXX for a three year lease on a XXXX XXXX XXXX. In XX/XX/XXXX I traded in the lease for a new lease with XXXX ( XXXX XXXX XXXX ) location : XXXX XXXX XXXX XXXX ( Florida ). With 5 payments remaining on the XXXX, XXXX XXXX XXXX XXXX paid those remaining payments plus XXXX required disposition fee of {$390.00}. Total amount paid to XXXX XXXX {$3500.00} on XX/XX/XXXX. Myself, my husband as well as XXXX XXXX XXXX XXXX contacted XXXX multiple times to let them know the payment is made, this is a dealer lease buy out and the location of the vehicle. XXXX acknowledges they received payment however failed to properly apply it to my account and the account continues to stay in past due/delinquent status. Their customer service representatives never have any idea of what is going on with the account why it is saying past due or what steps should be taken. My husband and I take a next step and contact XXXX office of the president which I believe is nothing more than the customer service center of XXXX XXXX, Who promise to assist me to clear everything up and apply the funds to my account and that there would be absolutely no negative credit reporting as it was an error on their part and on the part of their accounting department. The issue however was not cleared up and on XX/XX/XXXX my account status still stated past due/delinquent although my account balance was {$0.00}. XXXX further went on to report this false negative information on my credit report as past due-early lease termination when In fact they acknowledge via phone that it is a dealer lease buy out, I have no past due payments and my account balance is {$0.00}. I contacted them once I saw this negative credit reporting and again they promised to remove the information off my credit report but now instead of the accounting department they blame their reporting department. When I asked to speak to this reporting department they informed me that this department has no telephones, emails only I then asked for the email, they refused to give it to me. This company has very faulty business practices, they lie and they steal from their consumers to make more profit. There are many consumers with the same or similar complaints against this company from what I have read. They need to be investigated for their practices. Their customer service representatives are improperly trained and have absolutely no knowledge of the companies policies, they provide inaccurate and deceitful information. The resolution I would like is for XXXX to remove all the negative information off of my credit report because it is false and it violates my rights as a consumer to fair credit reporting. They said they would update the information on my credit report but I no longer have any trust in them nor do they give me any reason to believe they will actually do what they promise, because once again even almost 40 days after receiving the payment in full when I check my account status on their website is still states past due/delinquent please help me resolve this issue. If needed I can also provide a copy of the check XXXX received from XXXX XXXX XXXX XXXX and a letter from XXXX XXXX dated XX/XX/XXXX called a lease fulfillment letter in which they acknowledge that all the payments in regards to my account are paid in full. Thank you for your time.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2018-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Santander USA, was hidden that this was a simple interest loan. I pay early and every week and only XXXX has been taken off my loan in a year and a half. 24 % or more interest rate. Charged to make payments. No phone calls every month are documented when I call to question the fees and nothing has been done
Company Response:
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: A Santander Consumer account that was open in XXXX XXXX and closed due to repossession in XXXX XXXX is reporting inaccurate information, high balance, balance due, payment history and reason account was closed. I have requested through them and the credit bureau to please remove account due to inaccurate information and nothing has been done.
Company Response:
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have asked Santander Consumer, USA NUMEROUS times to cease and desist communication with me and to discontinue reporting ANY AND ALL updates to the three credit bureaus effecting my score as they 've secured their vehicle a long time ago. Santander is constantly reporting late payments each month to the bureaus when I have not had possession of their vehicle and the account was charged off XXXX XXXX. In addition to that, they 're reporting a new address for me as XXXX XXXX XXXX, I HAVE NEVER LIVED HERE! I 'm tired of them holding my credit score hostage while I am actively trying to rebuild and reestablish myself. Santander is making it extremely difficult to move forward by literally harassing me about an account that is closed. Please investigate this matter promptly, my next step is to file a law suit against them, thank you.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I disputed this account and asked for it to be verified and validated. I never received any proof of anything from credit bureau nor finance company.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Not sure of dates but I just recently last month disputed Santander to take it off my credit report I stated that I had continuous loss of employment and could n't pay it and the car was triple the amount that it was worth XXXX XXXX XXXX XXXX dollars for a car worth XXXX. I want to try to finance another vehicle and this is the only thing holding me back on my credit.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2018-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A