Date Received: 2017-10-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX at approximately XXXX XXXX I logged onto Santander Consumer USA website to make my routine monthly payment. As usual, I was directed to the XXXX XXXX XXXX XXXX website for completion. I processed the payment, and received an email confirmation stating that the payment had been submitted in the early hours of XX/XX/XXXX. The email mentioned the date of XX/XX/XXXX, but I thought that was the processing date due to submission on a weekend. I received an email alert from XXXX XXXX about being reported as 30 days late on this account, which was reported by them on XX/XX/XXXX They are stating the payment was due XX/XX/XXXX I immediately called on XX/XX/XXXX, but my account was not " escalated '' until XX/XX/XXXX. I never received a return phone call, instead having to call repeatedly until finally getting in touch with a rep on XX/XX/XXXX They have been no help in this matter, and I am in danger of losing escrow on a purchased home as a result. I am in need of assistance on this matter immediately.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance
Company Response:
State: VA
Zip: 24541
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: On XXXX XXXX, XXXX at XXXX ( PST ) I was contacted by Santander Consumer USA regarding my account status and a pending complaint that I had with the company. After informing the agent ( identified himself as someone calling from the President 's Office ) that it was XXXX, the call ended after he informed me his system did not stop the call from going through. I was woken up to take this call and felt completely violated by this company.
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I obtained a car loan for {$19000.00} from Santander XXXX XXXX through XXXX in XXXX of XXXX. After making many payments on the loan, I started to have some problems making payments but never broke communications with Santander XXXX XXXX over payment arrangements during this time. On XXXX XXXX, XXXX, Santander XXXX XXXX, charged-off ( SEE attached credit bureau entry ) my car and attempted repossession which I felt was a strange move or illegal since they had charged it off. My complaint today is concerning Santander XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. If they wanted me to continue making payments on the loan, why did they charge it off? There is something illegal about this move. To make matters worse, I received a letter dated XXXX XXXX, XXXX XXXX SEE attached copy of letter XXXX 6 days to-the-year, from the date they charged-off my car loan. This letter states that they were offering me a settlement of 50 % off the amount of {$17.00}, XXXX XXXX the balance of the loan ), {$8900.00} to settle this account in full and send me the title to the car. I had until XXXX XXXX, XXXX to come up with the money. I thought this was a great deal as strangely as it read since the car was already charged-off. Nevertheless, I called Santander XXXX XXXX to take them up on their settlement offer but as I said, I was not able to gather-up {$8900.00}. I 'm just complaining more so today about Santander XXXX XXXX 's never-ending attempt to continue to make claim to a debt that has been charged-off. But now they state in a letter XXXX SEE attached letter XXXX dated XXXX XXXX, XXXX that THEY 'VE SOLD my ALREADY CHARGED-OFF LOAN to XXXX XXXX XXXX XXXX XXXX on XXXX???!!! Further, the letter states that XXXX XXXX XXXX XXXX XXXX now OWNS and will CONTINUE TO SERVICE YOUR AUTO CONTRACT? WHAT???!!! How is this XXXX remotely possible if the loan-car has already been CHARGED-OFF as of XXXX!!!!??? What 's really going on here?? How can XXXX XXXX XXXX XXXX XXXX OWN a loan that has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST!!! Furthermore, it is even illegal that Santander XXXX XXXX was able to SO-CALL SELL a loan that has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST and they continue to insist they OWN a LEGALLY CHARGED-OFF LOAN!!! I hope that you and the Federal Trade Commission come up with a reason and an answer to my question and find out what laws Santander XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have violated. I will also be notifying the Attorney 's General in the states where Santander XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are located. In a decision in XXXX v. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX Bank XXXX, No. XXXX ( XXXX XXXX, XXXX ), the XXXX XXXX XXXX XXXX XXXX issued the following statement : " A person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. '' I feel that this statement alone, at least acknowledges that Santander XXXX XXXX furnished a charge-off of my car loan, a specific transaction/debt of {$17.00}, XXXX, on XXXX to a consumer credit reporting agency, knowing XXXX or should have known XXXX that this information was incomplete or inaccurate??? And so I 've put question marks here to bring attention to the fact/question we need answered. Either my car loan of {$17.00}, XXXX is charged-off as stated by the attached credit bureau entry which means just that!! That THIS debt has been LEGALLY CHARGED-OFF, GONE, DOES N'T EXIST!!! or Santander XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are involved in some type of nefarious activity that further deserves investigating. Because if their doing it to me, toward how many others are they performing this nefarious activity. Please find out for me Consumer Financial Protection Bureau and Federal Trade Commission.
Company Response:
State: KY
Zip: 40031
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XXXX of XXXX, I willingly surrendered my vehicle to XXXX. As I was unable to maintain the payments due to financial hardships. At the time of surrendering I only owed a balance of {$6000.00}, the initial loan was around {$19000.00}. After surrendering my vehicle I was never notified of an auction/sale, provided any documentation or additional information pertaining to my vehicle. The balance was reported to the credit bureaus at {$6000.00}, several months later the balance doubled to {$12000.00}. Again without any sort of documentation or explanation provided. I have disputed this loan to the credit bureaus on multiple occasions, without any success. To date, I have no information as to what happened to the vehicle after I surrendered.
Company Response:
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: IN REGARDS TO : SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. SENT CERTIFIED LETTER TO CREDITOR RECEIVED XXXX/XXXX/XXXX ASKING FOR INVESTIGATION INTO THE ACCOUNT THATS REPORTING INACCURATELY. THE DATE OF LAST PAYMENT IS INCORRECT AND THE TERMS DURATION OF 73 MONTHS IS WRONG. NEVER HAVE I SIGNED A CONTRACT NOR HAVE THEY PROVIDED ME WITH WHAT I HAVE ASKED FOR. THEY ARE BLANTLY VIOLATIONG FDCPA RULES AND REGULATIONS. I ASKED THEM TO PROVIDE PROOF OF THE ORGINAL CONTRACT BEARING MY SIGNATURE WHEN THE CAR WAS PAID OFF DUE TO A TORNANDO AND INSURANCE AND GAP COVERED THE BALANCE. THE CAR WAS PAID OFF IN FULL BUT SANTANDER HAS CONTINUED TO REPORT WITHOUT VERIFYING AND SUPPLYING ME WITH THE INFORMATION I HAVE ASKED FOR.
Company Response:
State: TX
Zip: 76016
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: OnXX/XX/XXXX I sent the company a letter demanding validation of the balance they are seeking to collect. The company has failed to respond to my request for validation of the account but is still reporting the information on my credit report.
Company Response:
State: NE
Zip: 68111
Submitted Via: Web
Date Sent: 2017-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple hard inquiries that I did not authorize.i want them to be deleted, and their customer service would not help and take care of the negative inquiries reporting on my credit report.
Company Response:
State: SD
Zip: 57201
Submitted Via: Web
Date Sent: 2017-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Payment in full of account {$17000.00} submitted XXXX/XXXX/14. Company failed to process payment and subsequently falsely reported account as delinquent to credit reporting agencies, and continues to do so daily up through current date.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-06
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I had my car financed with Santander XXXX XXXX. I had no choice with the loan company the dealership ( XXXX ) went with, I owed more than the car was worth.The interest rate is so high XXXX XXXX and whenever I have contacted them, the customer service is not helpful and also very rude. I do n't like that they wo n't refinance at a lower rate. I feel like I 'm being ripped off by this company. I have paid for this car twice from the looks of it I still owe XXXX plus on this car as of today.
Company Response:
State: GA
Zip: 30605
Submitted Via: Web
Date Sent: 2017-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A