Date Received: 2017-10-23
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Santander Consumer USA has recently started reporting on my credit reports that I have a past due balance of {$11000.00}, which is not true. Santander financed a vehicle for me in XXXX XXXX for around {$14000.00} plus interest. Santander repossessed the vehicle around XXXX XXXX XXXX. I contacted Santander the day the vehicle was repossessed and advised them that I needed to get my property out vehicle and also I wanted to know the past due amount and information on the repossession. The rep for Santander advised me that they had no information about my vehicle being repossessed and stated that, if the vehicle was repossess I would received a letter in the mail letting me know what I needed to do to get the vehicle back. Also the rep stated that getting my personal property back was a private matter between me and the towing company. I never received any letter or any further communication since that call in early XXXX XXXX. I found out about a month later from the repo company that vehicle was sold at auction and I was out of luck on my property. Fast forward to XXXX XXXX, I pulled my credit reports and to my surprise, Santander is on my credit report claiming I owe them {$11000.00} for a vehicle they repossess? Which they make no mention of the repossession on my credit report they simply just state the account was charged off. The original finance amount of the vehicle was approximately {$14000.00}, plus interest. I called Santander on XXXX XXXX XXXX to request information on this, to see how was it possible I would owe {$11000.00} on a vehicle that cost {$14000.00}, and was sold at auction and was advised they sold my vehicle at auction for about {$6000.00}, and the {$11000.00} is for the daily interest they are charging on the past due amount! How can I have a past due amount? Well Santander has been charging me {$420.00} a month since the repossession! First, they have no right to charge me interest or anything else after they repossess the vehicle without a court order in the state of North Carolina. Second, they never notified me after the repossession to advised me of the amount to get the vehicle back or the auction date. That is also required under North Carolina law. Third by not contacting me thru this entire process, they have denied my right under collection laws to dispute the amount they are reporting I owe to credit reporting agencies, the reporting is a form of collections which is also against North Carolina law without a deficiency judgment giving Santander the right to collect the debt they are claiming. I 'm looking for help to resolve this matter because I can not get anywhere talking with Santander directly.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an Auto loan with Santander Consumer USA. The loan matured in XX/XX/XXXX. I paid loan off in XX/XX/XXXX. Between XX/XX/XXXX thru XX/XX/XXXXthey reported me 60 days late. Remind you I paid in XX/XX/XXXX. I was paying on the late fees which was around {$3000.00}. The actual LOAN of the vehicle was paid and all I had left were the late fees. I spoke to customer service in XX/XX/XXXX and they had advised me that once the actual loan is paid and alI I have left are the late fees to pay, I can just start making any payment towards the fees and not the regular monthly payments which was {$550.00} a month. And can pay on any date and not on the XXXX of every month which that was when payments were due. So I was paying a little bit at a time and eventually paid it off!!! They keep reporting me late and ruined my credit. Shows 60 days late. Account is closed and I even got my car tittle. I was given the information by a representative in XX/XX/XXXX in regards to the fees. I was told I can pay whatever I can on any date. When I told them of that they investigated, found that I was correct and AGREED to correct the credit reports. Till this day they have NOT. They need to remove the 60 day deliquencies on ALL 3 credit reporting agencies like they agreed to do. They are reporting inacurate information.
Company Response:
State: MD
Zip: 21401
Submitted Via: Web
Date Sent: 2017-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had a payment plan in place. The car was repo. The bottom side running board was knocked off when removed. I informed them that sent they wanted the car so bad I was n't going to be responsible for it. They sold for half value. Keep calling. 4 to 5 times a month. Thanks
Company Response:
State: AL
Zip: 36867
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have an unauthorized inquiry on my account.
Company Response:
State: PA
Zip: 18102
Submitted Via: Web
Date Sent: 2017-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I previously contacted Santander, XXXX XXXX XXXX XXXX XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called Santander XXXX XXXX XXXX XXXX. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XXXX/XXXX/XXXX, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. Santander XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2017-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My teenage daughter received a phone call on her cell phone from Chrysler Capital looking for an old neighbor that moved a year ago. I find it appalling that someone with Chrysler Capital thought it would be okay to do this. An employee of Chrysler Capital had to go online and look for a name or address of an old neighbor to the debtor in an attempt to track him down. They anticipated an old neighbor ( me ) will let him know about the call in an attempt to shame him into taking care of his debt. I will not do Chrysler Capital 's job for them. They should be stopped from using tactics like this on others.
Company Response:
State: MO
Zip: 64801
Submitted Via: Web
Date Sent: 2017-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have credit inquiries that were made during the same day and I only allowed one per day. I only signed for one application. I need your help in deleting the unauthorized hard inquiries.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have credit inquiries on my report that I do n't recognize. For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, Santander Consumer on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge. Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. Please I need your help on this matter which is impacting my credit negatively.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I received a loan for a used XXXX in XXXX with Santander for around $ XXXX. It was a joint account with my XXXX that co-signed. My XXXX and I were splitting the payments. I had the car for XXXX of years before I decided I would like to trade it in for a different vehicle to work on lowering my monthly payments. When I went to trade the car in for a new car the dealer ran the report and found out the car had a XXXX XXXX and was worth {$0.00} on a trade in. When I bought the car, this was not disclosed to me nor on the sales receipt or paperwork. I was unaware of the XXXX XXXX at time of purchase, again it was not disclosed in anyway. After I found this out I went back to the original dealer that sold it to me, but they were out of business. Makes sense as I believed I was scammed and wanted retribution for the bogus sale. Since that was a dead end, I called and talked to the loan company Santander to see what could be done about them giving me a $ XXXX loan on a car with a bad title, but didnt get anywhere with that and of course they said there was nothing than can do for me. after that, I contacted multiple XXXX, but it didnt get anywhere since the dealership was no longer in business and could not be found. During all of this my XXXX became XXXX and XXXX XXXX. I was on my own with the car and payments. Up to this point we have been paying on a car for XXXX plus years that in retrospect is n't worth a penny. Since the car was not worth a dime. I could not trade it in, failed attempts to sell it because of the title, and not being able to afford it without my XXXX around I had no choice but to let Santander come and take it in XXXX. I should have surrendered it, but I didnt, I do n't know if that would have made a difference. Surrendering the car was unfortunate as I had made enough payments to cover the cost of the car and then some. All that was left to pay was the interest. I was a victim of a scam or fraud. Paying over $ XXXX for a car that was worthless with a bad title. I have the origianl bill of sale that has no mention of a XXXX XXXX It is not currently in my possession but can be submitted at a later time if needed. Santander should never have approved a loan for over $ XXXX on a car that is not worth anything with a bad title and not informing me. I would have never went through with this purchase, I am a victim of a scam and bad business.
Company Response:
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A