Date Received: 2017-10-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently looked at my credit reports and noticed that Santander Consumer USA reported negative marks Paid account/was 30 days past due on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. In short, I never received such a warning notice! I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. I attached a copy of the law and the actual document from the federal reserve
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2017-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Company has changed my open date to XXXX, provide verification documents.
Company Response:
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2017-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/XXXX : Called the 4th time and I returned the call in which I asked for the XXXX guy who keeps reaching out to XXXX XXXX. I did n't reach him, but I explained this was n't the person number they were looking for and to drop the number. They said it will be taken care of. XX/XX/XXXX : Call after the 5th time and I tried to reach out to the company through the directory and that number does not allow me to talk to a representative anymore, it just disconnects.
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander Consumer USA is reporting an open account with all three credit bureaus that is closed. This is hurting my credit score and I am unable to obtain a mortgage loan. This account was opened after I filed a complaint with Consumer Financial Protection Board. I feel this was retaliation. Retaliation is the action of harming someone because they have harmed oneself ; revenge.
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander was charged off and settled in XXXX. See screenshot for issues. Every bureau shows something completely different and all incorrect. XXXX - Shows a {$9300.00} balance and derogatory charge off. Date of last payment XXXX/XXXX/XXXX Experian - Shows XXXX balance and paid and late 180 days in XXXX. Date of last payment XXXX/XXXX/XXXX XXXX - Shows XXXX balance and paid and late 120 days. Date of last payment XXXX/XXXX/XXXX
Company Response:
State: CA
Zip: 92118
Submitted Via: Web
Date Sent: 2017-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-16
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: On XXXX we were given a payoff amount that according to the lender was good through XXXX. On XXXX a cashiers check for the full payoff amount was overnighted to the payoff address. On XXXX the cashiers check was delivered, with signature confirmation on the delivery. As of today XXXX the lender has still not cashed this payment and refuses to acknowledge that it was received, even though we have signed proof of receipt. They state they record their phone calls but when they are told we are also recording the call they hang up. They are asking for a payment and will not investigate where our payoff went.
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: on XXXX XXXX, XXXX I faxed CHRYSLER CAPITAL asking to obtain information reguarding my account, with no response I then sent on XXXX XXXX, XXXX By registered mail asking for information on my account. Still with no response, even after it was signed for. By law I have every right to know and gather information as it is my account.
Company Response:
State: ME
Zip: 044XX
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the FTC, and have contacted the attorney general office. SANTANDER CONSUMER USA Acct # XXXX XXXX
Company Response:
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: this company was a trying to repo the car even though I sent them payments and they they never told me they was reposing the car. They kept all my items in the car and refused to give them to me. They sold the car, they refuse to update the information correctly or remove this off my credit report. They never sent me anything to fill out and they never tried to give me the opportunity to redeem the car back.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: SANTANDER CONSUMER USA is attempting to collect a debt that I have previously tried to settle upon proof of claim.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX, SANTANDER CONSUMER USA received a Debt Settlement Offer each time giving 10 days to provide documents that prove I owe a debt.On XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX SANTANDER CONSUMER USA received a Request For Admission & Affadavit Of Fact each time giving 10 days to rebut and respond. On XX/XX/XXXX SANTANDER CONSUMER USA received a Notice of Default and Estoppel followed by an Affadavit of Default and Estoppel received XX/XX/XXXX. SANTANDER CONSUMER USA has yet to respond to the forementioned to provide proof of claim and has defaulted but continues to pursue collection activities via Credit reporting agencies, phone calls, and sending a payment request to my home address and not to my XXXX XXXX as requested and I marked " return to sender '' due to no proof of claim. It was received by SANTANDER on XX/XX/XXXX. SANTANDER CONSUMER USA continues to harass me and is causing my family and myself stress as I am unable to purchase a home due to this alleged account on my credit report. I have never spoken with anyone at this company nor have I entered into any contract ( s ) with this company and they refused to provide any wet ink signature, original document ( s ), two party contract, rebuttal of affidavit, or any of the items requested which will be attached documents included in this complaint as well as proof my mail was received by SANTANDER CONSUMER USA. I have given SANTANDER CONSUMER USA six ( 6 ) opportunities to provide proof of claim and after 9 mailings have dishonored and defaulted in this matter.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A