Date Received: 2017-12-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: To whom it may concern ; I have a voluntary repo on my credit report. I have hired XXXX XXXX XXXX to fix my credit and try to get this off my credit report, but I have n't been able to do so..The company that keeps reporting is Santander Consumer USA. I feel as if the information they are reporting is incorrect and this is hurting my credit very badly! And my ability to finance anything. From my understanding the account started in XXXX but that is n't true. I bought this XXXX XXXX XXXX sometime in XXXX just before my son was born which was in XX/XX/XXXX. They keep reporting this on my credit and I know the statue of limitations has been passed a long time ago. I would like someone to do an investigation into this and all information about this account to be shown to me or the company I have hired to fix my credit, so that it can be verified by me.
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2017-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have requested a copy of the contract from this company on XXXX XXXX I 've also called over 43 different times trying to reach out to the company and still get no understanding from them. Their not trying nor will they help me. I still have n't received a copy of the contract and they refuse to pick up the XXXX XXXX XXXX. I 've requested them to pick up this vehicle in XXXX, XXXX, XXXX and XXXX XXXX and they refuse to do so but continue to report it on my credit report. They told me over 15 different time that they mail the contact off and they come back and say we just mailed it. I co-signed for my daughter who has the vehicle and there 's nothing I can do without a copy of the contract. I 've asked them to pick this vehicle up and they want but continue to report that 's no payment is being made to my credit report but want help me in getting this vehicle back to them. They talk so nasty to me when I try to reach out to them for help!
Company Response:
State: AL
Zip: 36301
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
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: To CFPB, The actions of Santander Consumer USA have been in my view criminal. I was made the executor and administrator of my fathers estate by the State of California. All I am asking for is the title to my fathers vehicle, any over payments and to put this situation behind me. Please help CFPB. I have been my fathers legal XXXX and in charge of his finances since XXXX of XXXX til his XXXX in XXXX XXXX. Because of the seriousness of his illnesses I helped my father set up automatic payment plans for all his financial obligations which included Santander Consumer USA. Due to my fathers declining condition I spoke with XXXX XXXX on XXXX/XXXX/XXXX from Santander and have a paper trail that my fathers financial obligation to them was fulfilled on XXXX/XXXX/XXXX as per the agreement XXXX XXXX from Santander Consumer emailed me. Since my fathers XXXX every call to Santander has been a multitude of excuses on why they can not send me the title. They either have to talk with someone who never happens to be there or another dept to get approval and return my call which never happens. Depending on who answers my call from Santander they also use the excuse of not being able to talk with me about the account. They have had my Power of attorney paperwork on file and have communicated with me for years prior to my fathers XXXX. I had to give up out of frustration, grief and life. So last week, I decided to give another attempt on XXXX/XXXX/XXXX hoping. I spoke with XXXX XXXX, he said that he would be able to help me with the title if I sent him the proper information that day. I reminded him that they should have a copy of my Power of Attorney on file. I emailed him my fathers XXXX certificate and XXXX from Probate Court showing I am the administrator of my father estate. On my return call he said the individual was not in the office to approve the release of the title and that another dept would need to approve the XXXX. He said that I would need to wait 48hrs before calling back. On XXXX/XXXX/XXXX 48hrs later I spoke with XXXX XXXX and he said that he could not release the title because there was a balanced owed. I could not believe what he was saying. I asked if he could send me a statement, he said that he could only give it to me verbally over the phone! I questioned how a bank could want to collect from an account without a statement and only verbally give it to me information over the phone. He asked if I had any Santander statements from my fathers account and I told him NO to see what he would do. He emailed me a balance of {$8000.00} dated XXXX/XXXX/XXXX as if my father did not pay a dime of {$6000.00} from the original agreement. At the time I spoke with XXXX XXXX on this Settlement Agreement Offer. He agreed to give us the title after the payments were made. I do not understand how rationally they think they can keep receiving payments on a car purchased 12 years ago. XXXX XXXX thought I was completely in the dark and would be able extort my money from my family. This company is a step below street mobsters and loan sharks. Please CFPB let me know if you will need any other information, I didnt want to attach 4yrs of statement but if you need them let me know. See attached : 1 ) Settlement Offer Agreement-Payment Plan dated XXXX/XXXX/XXXX emailed by XXXX XXXX from Santander Consumer USA about the conversation I had with XXXX XXXX on XXXX/XXXX/XXXX 2 ) Bank statements and email verification showing payments were made according to the agreement, last payment made fulfilling financial obligation on XXXX/XXXX/XXXX, I also see a payment made after they were paid in full on XXXX/XXXX/XXXX 3 ) Fathers XXXX certificate and XXXX showing I am the executor and administrator of his estate. 4 ) Statement from Santander trying to get my family to pay again even though we have already paid in full in the amount of {$8000.00}
Company Response:
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My car company is through SANTANDER. In XXXX, I noticed that their phone system had trouble processing my payment so I called customer service who redirected me back to the phone system, which I applied my CC info. I was provided a confirmation number, but the payment was never processed. I received saying I 'm 30 days behind and I have to pay late fees, and it shows on my credit of a late payment. They told me, to use ACH payment online, it 's FREE and the best way because they pull the money out the same day. I did do so, and paid an additional {$150.00}, plus {$450.00} to bring me current on my payment. Now, they are saying the only way is to pay the {$5.00} to have a human process my payments because my payment did n't come through or that it was " returned ''. This magically happened after I filed TWO FTC complaints against them, ( one for the late fees, second for the payment options ). I make only {$10.00} an hour and live in NC, where the cost of living is not high, and I live hand to mouth. Meanwhile, this company calls me all day and all night, telling me they 're going to take my car, that they made bad notes on my credit, that now I 'm TWO months behind and keep charging me these ridiculous fees. o This is the FIRST time I have EVER leased a vehicle before and I ca n't believe my lender is behaving in this manner. I need help. What do I do? How do I make this stop?
Company Response:
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX is impossible to deal with. I went to a dealer to get a loan with my wife. We applied and got approved threw Santander. We went in and signed. After signing they asked for my proof of income, proof of residence and my drivers license. I provided the dealer with all the requested information. Unfortunately my license was suspended and expired at the time. The dealer told me I could not be on the loan, and my wife would more than likely not qualify by herself but they would try. The resubmitted the loan in just her name and she was approved. She went in and resigned in just her name only. We took the car home. I some what recently found that my name was in the loan. I could not be on the loan because my license was expired and suspended. I have tried multiple times to correct this via different avenues, but XXXX XXXX insist that there 's is not a mistake. They sent me a copy of all documents they had, in the documents was the contract i signed that wasnt valid because my licsense was suspened and expired, and a copy of my drivers license. That copy of my drivers license had a valid experation date, but you could clearly see that the date had been changed as it did not match the font of the rest of the drivers license. The dealership changed the date on my license and went with the first contract. The dealership commited fraud. When I spoke to them on the phone told them what happened and told them that it violates my rights, they said " do n't throw around terms you do n't understand ''. They also said they only way they would consider removing the item from my credit was if I filled a police report. I call the city police department where I purchased the vehicle, because the loan was opened 10 years ago, they informed me that it was past the statute of limitations for fraud. I can not file a police report. I no longer have the license from 10 years ago. I asked XXXX if santander verified my identity, by verifying the sent documents? They said it 's not up to the lender to verify documents, that they took it on good faith from the dealership. They opened the account without verifying my identity, cause if they had verified it, they would have sent the contract back because my license was expired and suspended, and the documents did not match. Santander violated my rights by opening an account without verifying my identety. Santander nor XXXX have responded to me after they attempted to verify the debt with the fraudulent documents created by the the dealership, that they accepted without verification. The debt must be removed from my credit file as santander violated my consumer rights. Further more. If a creditor chooses to report to the credit companies, that information has to be 100 % accurate. All of my credit files are missing some payment information for the santander account. This is a violation of my rights, the item must be removed.
Company Response:
State: TX
Zip: 77074
Submitted Via: Web
Date Sent: 2017-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Santander Consumer USA reported a credit inquiry to my credit report as a hard inquiry. I have never applied nor want to apply for credit with Santander. I have contacted Santander and they refuse to help
Company Response:
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2017-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-28
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XXXX XXXX financed my new XXXX XXXX the company in XXXX aid i had not made any payments which i had and they have continued to tell me i haven't they have wrongfully repossessed my XXXX by not notifying me that they would be repossessing the vehicle as well they did not give me any option to pay or work out anything.
Company Response:
State: MO
Zip: 64050
Submitted Via: Web
Date Sent: 2017-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: i had bad credit reason child support outstanding {$5100.00}, XXXX phone bill outstanding {$1000.00}, XXXX credit card outstanding {$2000.00}, XXXX electric bill outstanding {$2500.00} federal tax lien XXXXoutstanding balance $ XXXX XXXX federal tax lien {$30000.00} my drivers licensed # XXXX still suspended in XXXX XXXX XXXX XXXX and XXXX dl # XXXX suspended nationwide santander consumer usa could not approved a retail installment sale contract no dealer number no contract number wrong address of buyer XXXX correct XXXX XXXX XXXX XXXX XXXX XXXX md XXXX wrong name of seller XXXX if XXXX XXXX XXXX forfeited business licensed. contract federal truth-in-lending disclosures annual rate 17.07 % with credit score XXXX at XXXX years old. finance amount {$10000.00} vehicle price {$10000.00} vehicle amount finance {$19000.00} total of payments {$30000.00} total sale price {$33000.00} monthly {$410.00} beginning baby boy XXXX stolen at XXXX from southern maryland hospital in XXXX md on oXX/XX/XXXX1978 child is still missing invalid contract block print XXXX of XXXX XXXX XXXX no seller signature by no name or signature or title law form no. XXXX santander in default of {$19000.00}, pay off {$18000.00} conduct the fbi
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Incorrect amount on what is owed. Nothing is owed on loan. Loan paid off
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.
Company Response:
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2017-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A