Date Received: 2017-11-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The vehicle was XXXX XXXX in a XXXX XXXX at XXXX XXXX on XX/XX/XXXX. XXXX totaled the car and called Santander to request a payoff quote that was 15 days out. My son and I where advised that our account would be documented and the car company would deal with the insurance company once I provided them with the policy and claim information. We signed over the title to XXXX and received our check portion to go and obtain another car. The day we signed over the title POA was on XX/XX/XXXX. It was our understanding that the check would be sent to Santander and XXXX would receive a salvage title. I have had no additional communications with Santander until today when one representative called me to inquire if I had receive any funds from the insurance company. I advised I had weeks ago and that XXXX told me they would send out there check. They stated they had been calling XXXX for weeks and needed a status. I advised I would call XXXX and obtain some information. I received the check information. The check number is XXXX for {$3200.00}. I processed to call Santander back with the information I obtained. I then spoke to XXXX who advised me that my credit report would be damaged because the check had not been received. She also proceeded to tell me that they had already been in communication with XXXX and they did not send out their authorization until XX/XX/XXXX or XX/XX/XXXX, which was well after I signed my documents releasing us from the title. The payment becomes 30 days late as of XX/XX/XXXX. However, this is the first call and conversation I had with Santander and felt harassed to provide a payment I did not know I owed as I did not receive any mail, voice mail or email concerning a delay in the payment. My portion was done. We took the funds we got put 97 % towards the car and paid over {$350.00} for insurance. Now, I am being told I need to make a payment for a loan that should have already been paid off. But due to Santander 's delay in getting the necessary docs out, I am being called to collect. I am confused. When is it my fault that you did not send the paperwork off until 5/6 days later. How am I suppose to come up with money I did not know I owed? At no time did any advise me to continue to pay until the check was received. I feel like I am being bullied after an accident that we are still receiving medical treatment for. I am bringing this up to my attorney as well because I feel XXXX XXXX and XXXX from this whole experience. I do n't understand that if they had already spoke to XXXX why did I receive the call. If they already knew the check was in the mail what were they expecting from me. The last I talked to this company was around XX/XX/XXXX or XX/XX/XXXX. I provided with the information they requested concerning the claim. It has been almost a month and now you want to call. There has been no letter in the mail explaining our next steps, what we should continue to do or follow up with the insurance company. I feel like this company believes I should read their mind.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: The name of the company is Santander consumer USA, and my car was flooded my insurance company issued a pay off and it didnt help at all. I owe more after paying an additional {$1800.00} Im a victim of hurricane XXXX, and I am still homeless and they want money I dont have. They charge 18 % interest rate even after the vehicle is just gone it would be different if I had the vehicle or the title or something because I could use a salvage title or have it salvaged or something to pay them off but no they have the vehicle It seems to me that Im going to be paying forever
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Santander is trying to collect a debt and reporting negative information to my credit report for an account that that been paid in full by XXXX XXXX auto insurance.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are about 50 inquiries on my credit report. I didnt put there. The only inquiries I put where XXXX XXXX when I bought my car.
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2017-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone put me down as a co signer on a fraudulent car loan and this company refuses to fix it no matter what I send in. I have sent a police report, documents and a ftc identity theft report yet this fraudulent account is still on my credit report fraudulently blemishing my record and I was n't given a chance to send all the information in within the first 30 days before it was reported to my credit due to all mailings going to an address I am not associated with that went to the fraudster. So I could n't dispute the fraudulent nature of this account. Which in turn causes me to miss other accounts that were fraudulently opened after that such a XXXX car insurance, a light bill, cable and an apartment after that point of first compromise. If this step does not resolve my issues I am taking legal actions regarding this unauthorized account. I should n't have to be thrown between 3 different departments when I call trying to get this removed, lied to and not provided the fraudulent application that was put in. It was not provided within 30 days of my original request for it and still have nothing on my end to try and pin point who may have done this.
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2017-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To Whom It My Concern ; As a consumer in the American credit community, I feel singled out as an African American minority and being abused by Santander Consumer USA. I have disputed with Santander Consumer USA several times. The charge off amount is incorrect, the charge off date is incorrect, the last payment is incorrect, and the balance is incorrect. XXXX has already deleted the WRONG information from that bureau but XXXX and XXXX continues to come back verified. I know this information has not been verified because the information is inaccurate. The last payment date is very wrong and I believe Santander is trying to re-age the debt. Contrary to the FCRA, and the credit scoring procedures, Santander Consumer USA has falsely reported multiple charge- offs, for each month since the actual single occurrence, rather than the single charge off that existed, resulting in increasing negative impact over time. I use to speak very highly of Santander Consumer USA but today am a different story. At one point Santander was a company I respected and was very thankful of. Back in XXXX I was in financial trouble and my car was repossessed. Santander assisted me on getting my car back and I was able to within 2 weeks. Fast forward 4 years later, Santander is causing me big problems with repairing my credit and being able to purchase a home and seek employment for my expanding family. A mistake I made 4 years ago that I have paid tremendously for is still being reported to the credit bureaus inaccurate and negatively. I have made multiple attempts to dispute the inaccurate information being reported by Santander. Santander did report the repossession back in XXXX but every since then they have also reported this as Charge Off/ Write Off Bad Debt. How could this be a charge off or write off? Usually those are sold to collection agencies, right? As stated before I have disputed this inaccuracy multiples times with all 3 credit bureaus and with the Consumer Financial Protection Bureau, asking for it to be removed but each investigation has came back verified as accurate. Per the Fair Credit Reporting Act, the Date of Last Delinquency is the date of the first missed payment that led to charge off, collection, foreclosure or repossession. Reporting a more recent date of last delinquency would be in violation of this Act. This inaccurate reporting has caused an huge negative impact on my credit report and score. Every time I have contacted Santander about the negative reporting I get nowhere. Its been all about money for them and not the fairness to their customer. I have requested numerous times for Santander Consumer to provide clear consistent information and verification of the debt I owe them. Each of my credit reports shows different information my XXXX continue to show a Closed Charge Off and my XXXX shows Open Charge Off.. I am filing this complaint because the unlawful terms of this car loan with Santander consumer USA. I requested that this account be re-aged and all fees and charges that were added to the account and the demand that I pay the amount of XXXX {$19000.00} XXXX be removed. Any fees and adjustments were never added to the principal balance and should have been due at the end of the loan. Secondly the interest rate that I was given did not place me in a position to pay off the loan sooner. I requested a reduced payment and interest rate but was denied. This car is upside down. It is only worth { {$3400.00} } for this vehicle, but I still owe approximately { {$19000.00} }. Please investigate this company. Sincerely XXXX XXXX XXXX : XXXX DOB : XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Santander used fraudulent dealers to open an account in XXXX XXXX, 2009. Santander is misrepresenting the amount of debt and liability that I have for this auto loan. I would like this item to be removed from my credit. They are falsely reporting a debt owed on my credit report as {$15000.00}.
Company Response:
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I pulled my credit reports and noticed I am a " joint '' with a XXXX XXXX?? I am not aware of this company and I have never co signed with anyone for an auto loan. I have a vehicle. I have sent a certified validation letter to the address which the credit bureaus provided to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and this company refuses to validate my signature or provide me with ANY paperwork for which I have signed for this vehicle. They have no paperwork because I did not co sign for anybody. I have NO KNOWLEDGE of this company. I need this removed from my credit ASAP. For this is holding me up from getting school loans for college.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Santander came and Repossessed my car again XXXX 17 @ XXXX XXXX. I called to see if U can get ny car back and how much to get it back. Their response was nasty and rude. She stated that I had to pay XXXX to get it back. Then she said I couldnt get it back. This is bad I tried to save my car but no one wants to help me. Someone needs to help me get my car back!!! I gave them my hard earnrd money for 5yrs and end up with no car. How does this happened in America!!!
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: OnXX/XX/XXXX I purchased a vehicle from XXXX XXXX which had a loan that was secured by Santander Consumer USA. On XX/XX/XXXX I contacted Santander Consumer USA to voluntarily relinquish the vehicle, as I was unable to fulfill the terms of the loan due to financial hardship. I was informed by the representative that they would contact me prior to picking up the vehicle from my residence. I was contacted by a representative of Santander on XX/XX/XXXX. At the onset of the call the representative asked if I was still unable to pay for the car. I responded that my circumstances had not changed ; the representative abruptly ended the call without saying anything further. I was contacted by Santander on XX/XX/XXXX informing me that the car would be picked up from my residence on XX/XX/XXXX. The car was picked up as scheduled on XX/XX/XXXX. After the car was retrieved from my residence I have not received any further communication, neither verbal nor written, from Santander Consumer USA regarding this loan. On XX/XX/XXXX I submitted an application for housing, and to my surprise I was denied. I was informed that I was denied due to a collection account that was in excess of {$8000.00}. Upon review of my credit report from XXXX, the collection account is from Santander Consumer USA, in the amount of {$8000.00}. I have never received any notice ( written or verbal ) regarding an outstanding balance or that the account was escalating to collections. Under the Fair Debt Collection Practices Act, section 809 states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different of this from the current creditor. Based on the foregoing information I am requesting an immediate investigation of this incident and the unfair collection practices of Santander Consumer USA.
Company Response:
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A