Date Received: 2018-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX pulled credit without permission
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2018-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Went to XXXX Dealership inquire on car to test drive. However I told dealer multiple times to please do not pull credit, I only want to test drive. Dealer pulled credit anyways. I also told them I would Not be financing through them and not put application through however the financed car anyways. Not sure through what lender. Lender called me as I also told them I would n't be financing through them and do not proceed with process. As I pulled my XXXX XXXX report I see inquires for that day from. I did n't authorize any of those lenders to pull my credit. Not sure how they got my information. XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Company Response:
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2018-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased my car at XXXX XXXX XXXX in XXXX, AZ. in XX/XX/XXXX 2012. The salesman, who I knew, actually picked me up at my home in XXXX and drove me to the lot cause he knew I was looking for a car. He was an associate of mine. I was n't working but had over {$1500.00} in cash to put down on a car. The car they sold me was a XXXX XXXX XXXX, the most basic model. 5 speed, no auto windows and no speakers in the back. Somehow I was finagled into signing and getting approved, with no job, mind you. My payments were set a XXXX XXXX/month. I should n't have agreed, but I needed a car and was encourage by the salesman that it would n't be that difficult to pay it off. I made payments until I could n't afford to anymore. I was n't full-time employed and rent and food were more important, so my car payments ended up in default. Santander is the owner of the loan. They worked with me to half my payments for a bit, but that only worked for a few months. When I finally got a full time job, I made the payments before the billing cycle was overdue. I 've been very consistent the last year and a half in paying this off, however, when I called Santander about my balance, it had barely budged. Currently I owe {$15000.00} on the vehicle. When I pulled my credit report, I noticed that the majority of my payments never went towards the principal ( as you 'll see by the attached form ). I ca n't express how much this saddens me. I 've made extremely high payments for a vehicle that is now worth less than {$3000.00}. And no one at Santander ever reached out to help me knock this bill down. I ca n't refinance either. I 've paid more than what the car is worth at sticker and now I still owe {$15000.00}.
Company Response:
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Note : This is NOT a duplicate of any previous complaint. It is the next logical complaint in the sequence created by Santander policy of claiming to respond to a complaint, while in fact failing to respond to the complaint, in violation of applicable law. The most recently discovered damage caused by Santander, inXX/XX/XXXX consists of {$90000.00} of additional mortgage loan costs caused by agency reporting of credit by Santander. Note that the accuracy and/or lack thereof of what is being reported is irrelevant, and not at issue. The only issue of relevance is the financial damage caused by such reporting. Additionally, by its own admission in its " response '' to the previously filed complaint, Santander has failed to report the as- agreed and timely payments for XXXX XXXX and XXXX XXXX as current and favorable in reporting of tradelines to agencies. This constitutes fraudulent solicitation of a payment on the part of Santander, as their customer login clearly reflected those amounts and due dates, and recorded them on those dates for those amounts in payment history.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an account on all my credit reports that it is paid and closed but 30 days late. I have been in contact with the company, Santander Consumer USA and they are stating that they can not remove the 30 days late. I do not understand how I am late in XXXX of 2014, when I got a new car on XXXX XXXX, 2014. I do not understand how I was late, when in the month they are stating I was 30 days late, I got a new car. If you look at my history that was my only " late payment ''.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: on XX/XX/XXXX my husband and daughter traded in her XXXX XXXX to XXXX XXXX dealership. On XXXX XXXX XXXX XXXX sent a payoff check to XXXX XXXX to pay the loan in full for the trade in. To this date, XX/XX/XXXX, this loan has still not been paid off! This has resulted in late charges, extra interest accrual as well as HARMFUL credit reporting on my husband and my daughter and has already affected both of their credit scores. I have called both XXXX XXXX and XXXX XXXX multiple times. I even went to XXXX XXXX and they did show me copies of the XXXX XXXX and the check that was sent to XXXX. XXXX was very rude and unhelpful and kept collection calls coming in. I asked them to notate their system MULTIPLE times and all they kept telling me was to keep making the payments if I did not want out credit affected. I did not have the money for that and also did not feel that was right to us as customers. XXXX XXXX called me in XXXX, I do not recall the exact date and told me the car was in jeopardy of being repossessed. I have explained to them over and over that we did not have the car any longer. I called XXXX XXXX today and was told they had to stop payment on the original check and send a new one which should have been rec'd yesterday by XXXX. I do realize it was the holidays and things are slow but this is my husband and daughter's credit and also a lot of stress on us and on my marriage. I feel XXXX is totally incompetent and keeps losing these checks this loan will never get paid off. I also do not have trust in them to correct our credit if and when this loan is ever paid off! From the last statement rec'd on XX/XX/XXXX they were asking for XXXX and had as at 3 months due. My daughter was never late on her car payment not one time the whole 2 years she owned this car! she is XXXX and had a credit score of XXXX before all of this nonsense! she has now been alerted by XXXX XXXX that her score has dropped. I want these people to be held accountable for all they have put us through! we should not be punished for buying a new car.
Company Response:
State: TX
Zip: 78210
Submitted Via: Web
Date Sent: 2018-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Dear XXXX XXXX: The Ohio Division of Financial Institutions has received your correspondence below regarding the issues you are experiencing with XXXX XXXX XXXX. We have no regulatory authority over this financial institution as it is not licensed by our Division. Based on the information provided, it appears that your complaint involves a retail installment sales agreement. Generally, retail installment sales contracts are regulated by the Ohio Attorney General. Therefore, the Ohio Attorney General's office would be the appropriate agency to address your concerns. Future inquiries regarding your complaint should be directed to the contact information listed below: Ohio Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX (XXXX) XXXX www.ohioattorneygeneral.gov/consumercomplaint Thank you for contacting the Ohio Division of Financial Institutions. We sincerely hope our efforts will help you to resolve this complaint. Sincerely, Ohio Department of Commerce Division of Financial Institutions Office of Consumer Affairs XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ohio XXXX Ph: XXXX www.com.ohio.gov This message and any response to it may constitute a public record and thus may be publicly available to anyone who requests it. The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer. -----Original Message----- From: XXXX XXXX [mailto:XXXX] Sent: Friday, XX/XX/XXXX XXXX XXXX To: XXXX Subject: Re: Car loan company XXXX XXXX XXXX out of Texas changing terms??? See below . Thanks, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX wrote: I've been in finance for 15 years prior to my automotive career and I wasn't buying what the customer service representative was telling me. I 've always been paid ahead on my auto loan. After my last payment I should've been due for XX/XX/XXXX. The rep had told me they changed his they applied the payment and for now on it you pay more than what's due you have to call in to advance your account ahead of it will just be applied to the principle. Well on a closed end loan like this it's always been if you pay more then what's due, the excess will go towards the next month's payment. The accountable would show how much your due for the next month. This is how it's supposed to be. How can they change their minds in the middle of a loan contract? Loan disclosures state now interest is applied. This loan now sounds like a revolving loan. There was no mail correspondence at all regarding this change. Some people would say if I'm paid ahead 2 months and they have extra e,lenses they can slide by and not pay til it's actually due and then come to find out their credits destroyed because it would show 60 day delinquency when in fact it shouldn't. Attached is a statement from XX/XX/XXXX showing due for XX/XX/XXXX for XXXX. Then you can see the payment that were made that total up to make the account due for XX/XX/XXXX but still showing XX/XX/XXXX. They said they would change it after audit a week ago but never did so I called tonight and they said they've changed their rules.They have also said their computer system can't advance account to show more than 90 days paid ahead.As of today XX/XX/XXXX, the due date has not advanced as they said it would XXXX The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer. XX/XX/XXXX The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer. XX/XX/XXXX
Company Response:
State: OH
Zip: 43560
Submitted Via: Web
Date Sent: 2018-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-01
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: My daughter and I financed a car in XX/XX/XXXX through XXXX XXXX. In XX/XX/XXXX she refinanced the vehicle with our credit union in her name only. The pay off was submitted and made by the XXXX XXXX XXXX and the XXXX XXXX account was closed. At the beginning of XXXX I received a call from an associate from XXXX XXXX stating that there was an outstanding balance on the account. They sent me an email and I forwarded the information to the credit union to get clarity and to have the issue resolved. The associate from the credit union reviewed the papers I sent as well as their records and explained that the account amount was confirmed and paid off and there is nothing outstanding. This is clearly seen in the documentation provided to me by XXXX XXXX. I have communicated this information to XXXX XXXX on several occasions and they do not agree even with the proof that they agreed that the amount was correct and with also having their own reports that show that the account was paid in FULL with a XXXX balance in XX/XX/XXXX, they will not correct the records. They have impacted my credit to my detriment.
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2018-01-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I disputed Santander Consumer USA over a year ago. The account was then removed from my credit file. However, it was reinserted with notifying me via mail! In accordance with the compliance of the FCRA, I am requesting their compliance with any and all of the provisions. FCRA 611 ( 15 U.S.C 1681i ). I did not receive no notification and demand they remove this account from any reporting bureau.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2018-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A