Date Received: 2017-11-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I cosigned on a SUV with my then husband through Santander. When my husband I separated, I talked to the company and gave the car back. Because the car was barely used, they told me they would sell it for the exact amount I owe and they did. My credit report updated with a closed account and a XXXX balance. Months later, a balance showed up. The next month it increased. So on and so forth. This is unacceptable. A balance should not appear out of nowhere and increase after the car was given back, sold, and was sold for the exact amount ( at least that it was I was told ). This is impacting my credit score even worse. When I called, I literally got no answer about it. Almost as if it was being said to me that this is an 'it is what it is ' situation. Completely unprofessional and unacceptable. I do n't remember the exact dates but it was this year, XX/XX/XXXX. I gave the car back last year, XX/XX/XXXX. Then a balance shows up THIS year a few months ago. The balance now is {$3800.00}.
Company Response:
State: KS
Zip: 664XX
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Santander has a charge-off account on my credit file and the balance keep rising. The account was opened X/2012. The amount is {$23000.00} account number XXXX. It is having a negative effect on my credit as they keep adding charges even though they say the account is a profit loss writeoff.
Company Response:
State: MS
Zip: 397XX
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX, XXXX Santander and XXXX financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I bought a car from a dealer with my then-husband ( XXXX XXXX ) back in XX/XX/XXXX. The vehicle was a XXXX XXXX XXXX. The purchase price was approximately {$19000.00}. We paid {$3000.00} down payment, but were also sold a warranty. The APR was told to us to be 11 %. The finance company that held the loan sold to us was Santander. We made payments on that vehicle for many years. Once a payment was misapplied to someone else 's account. That problem was rectified, but the company never corrected our credit reports to reflect the proper payment. As time wore on, my husband left the family when I was XXXX XXXX XXXX XXXX XXXX - and eventually we divorced. He left the vehicle with me and I assumed payments on my own. I needed the vehicle as it was large and we had XXXX children with XXXX XXXX XXXX XXXX XXXX. Things went from bad to worse and I struggled to make the payments. Several times Santander allowed me to skip a month 's payment. My husband filed bankruptcy as he ceased paying the mortgage on our marital home per support settlement around XX/XX/XXXX. He filed Chapter XXXX. He put the vehicle into the bankruptcy because we did not want to have any accounts open with both of us on them anymore, years after our divorce. He did not follow through with the terms of the bankruptcy and allowed his case to be dismissed. Not once but twice. After I learned of the second dismissal, I called Santander to resume payments. They had not received notice of the dismissal and told me there was " no account on which to pay. '' Many months go by. Thankfully, I had the foresight last spring XX/XX/XXXX to buy another vehicle for the children and myself. Santander finally realized the bankruptcy had been dismissed sometime around XX/XX/XXXX. They called and demanded {$7000.00} of me to keep the vehicle and keep the account in good standing. I tried to fulfill their wishes by taking out a loan. I was well qualified for a loan. However, the year of the vehicle was too old to borrow against. The vehicle 's value was nowhere close to {$7000.00}. I believe at the time XXXX XXXX XXXX gave me a value of approx. {$2500.00}. So, I attempted to sell the car to another buyer for the {$7000.00} hoping it was worth that on a private sale. I put money into the cleaning, maintenance, and upgrade of a few things for sale. Santander forbid me to do so and said the " deal '' was for me only. Eventually they came and repossessed the vehicle. I had no other options to rectify the account. They told me they would sell the vehicle at auction and let me know of my obligation on the balance due. The vehicle sold for nearly nothing at auction. We owe close to the purchase price paid in XX/XX/XXXX! Something is very wrong with their accounting practices, interest compounding, SOMETHING. I have the entire history of payments with Santander. The starting balance owed was {$19000.00}. The ending balance after 7 YEARS of payments is {$15000.00}. Please help us get out from under this account and this debt. I have applied as a XXXX XXXX working with the XXXX XXXX XXXX or the XXXX XXXX - and credit ratings are a definite factor! Also, my ex-husband has since been in a lot of legal trouble and has not been paying child support, so the chances of him contributing half to the amount due and owing is slim to none. Thank you, XXXX XXXX
Company Response:
State: NC
Zip: 27560
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I purchased a XXXX XXXX XXXX in XXXX of last year ( XXXX ) due to my other car being totaled in water damage. At the time I was able to manage the payment but as time progressed on my funds became limited and I could not afford that high of a car payment and still take care of my family. I eventually started making payments, not full payments. But payments to the point it would look like I was trying to work the balance down. A few months later I decided to try and get out of the car because it was to high of a payment for the size car and had and I was not satisfied with it. Did n't feel comfortable paying for a car that was n't suiting me and my family. I contact Chrysler Capital and told them I wanted to do a voluntary repossession because I was unable to maintain the car payments at that time. This was in XX/XX/XXXX. They at that point decided to tell me they could put my current balance due on the end of my loan to help me get caught up and be current on the loan. But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle by XX/XX/XXXX and I would be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I new that I had a balance left that was roughly {$800.00}. Which was about a payment and XXXX behind. I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was {$470.00}. When they sold the car in XXXX the balance left was {$8600.00}. Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I had a vehicle loan with Santander since XXXX, the vehicle was repossessed in XX/XX/XXXX with no notice sent to me before or after. When I contacted the company I was told there was nothing I could do and the said they couldnt allow me to retrieve my personal property out of the vehicle due to state law. Ive sent several letters asking them to sent me a copy of the notices and validate the information they have because they say I still owe XXXX when the car was purchased for XXXX and Ive paid around XXXX on the vehicle, Santander will not respond to the letters and when I call they say they no longer have the info
Company Response:
State: KY
Zip: 40351
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my XXXX XXXX time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
Company Response:
State: OH
Zip: 444XX
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. This item Account paid in Full ; was a Charge-off reported by SANTANDER CONSUMER USA # XXXX is inaccurate and incorrect as you can see on the attached letter dated XXXX/XXXX/XXXX which states : Santander Consumer USA Inc. recognizes the above referenced account as paid in full on XXXX/XXXX/XXXX The information on my credit report is inaccurately stated and reported by Santander Consumer USA, proof of which is the attached letter sent by said bank regarding my account. The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. Enclosed are copies of the later dated XXXX/XXXX/XXXX by Santander Consumer USA details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by Santander Consumer USA dated XXXX/XXXX/XXXX
Company Response:
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2017-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: We fell behind two to three payments, we had to take a XXXX payout because Im XXXX. Husband being in the military we only make so much each month. He has gotten phone calls 9 times a day almost 7 days week, customer service has cussed at him several times, we told them we wanted split the payments up between the paychecks, they would not work with us, they have even threatened repossion numerous time even though we keep sending money. Their intrest rates are completely criminal, XXXX XXXX or higher. They have told us we owe 80 days past due when were only two month behind. They say we owe almost XXXX and some change, we been trying to work with them to get a payment assistance help, they wont help give any kind of breathing room, Im veteran and my husband is active duty and were only working off his income right now. Santanderconsumer USA has been unprofessional and has not been running a good business if you check the reviews on google hardly anyone has anything good to say about them.
Company Response:
State: NC
Zip: 28547
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Regarding CFPB Complaint # XXXX, we received credit turn down letters from Chrysler Capital nearly 90 days after applying for credit. Are n't companies bound to send letters out within 30 days of denial? Also, the credit score that Chrysler reported for XXXX XXXX XXXX on XXXX/XXXX/XXXX is XXXX. Every credit monitoring service ( one for each of the three major credit bureaus ) lists the score as XXXX, XXXX and XXXX. In the late dated letter to XXXX XXXX XXXX, Chrysler also lists : " Serious delinquency, and public record or collection filed '' when there is none. " Too few accounts currently paid as agreed '' when every single account is paid as agreed and always has been. There are dozens of accounts in total. How could that possible be " too few? '' " Time since derogatory public record or collection is too short '' when it 's been over XXXX years since any such record was listed. " Length of time revolving accounts have been established when revolving accounts date back XXXX years. And, Number of recent inquiries on credit report when there have only been two inquiries in the past year, including the inquiry to Chrysler Financial. In the late dated letter to XXXX XXXX, Chrysler also lists : Number of accounts with delinquency when there are zero accounts with delinquency. Proportion of loan balances to loan accounts is too high when each loan balance average under XXXX XXXX of the available credit. Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high when each loan balance average under XXXX XXXX of the available credit. And, Length of time revolving accounts have been established when they have been established for many years.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A