Date Received: 2017-09-27
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I purchased a car from XXXX XXXX through Santander. OMG My Worst nightmare. After only a few days this car broke down. I called XXXX XXXX 's salesman that sold me the car and he was beyond RUDE. Ignored my calls, told me i had to get the car towed etc. My insurance would n't tow it to XXXX XXXX and i had spent all my money trying to fix this vehicle now i KNOW i was still in the time frame to return this vehicle. That was my plans but this company refused to give me any help. This car has been broke 2 weeks after i purchased it. It was a lemon. Now i know I 'm still liable for this debt but I 've tried to return this broken vehicle. Why should i have to pay on a car that i only used 2 weeks. On top of that Santander is flagging my account with late payments after refusing to help me. I have been struggling to get to work, school and my son 's extra curricular activities. I spend ALL my money on GAS money while this broke LEMON sits in my yard!!!!!
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Santander USA I paid my car loan, but as of this writing, I have not received my car title. I worked with the XXXX XXXX and Santander, and now again, CFPB. There has to be something I can do. Your help will be greatly appreciated.
Company Response:
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have contacted Santander trying to resolve this matter for years now. I was scammed with this vehicle as it was a lemon crashed and fixed sold as new. I had this car repossessed due to Finamcial Issues and was given an offer for {$300.00} but they refuse to after payment is complete remove the negative information. This is incorrect as I asked for a pay for deletion. This balance of XXXX is due to fees and all this other miscellaneous stuff they have added on which is unfair to me due to the circumstances of how this all ended.
Company Response:
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXX I contacted the lender to remove the open status from my account and delete it because this is not accurate information and its hurting my XXXX XXXX and is preventing me from getting a job.
Company Response:
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The repossession agency that you hired violated my rights and broke into my private garage and removed my vehicle ( XXXX XXXX XXXX ) on XXXX XXXX, XXXX. My garage door now has a hard time closing and I have to push it manually to closed it. Even then, the garage does n't close all the way down. To this date, I have not received ANY notices regarding the repossession of my vehicle or how I may go about redeeming my car. Nor have I received any notice regarding the potential sale of my vehicle.
Company Response:
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: The company/lender is trying to repo our car, Its the only car we have and depend on this car for work in order to pay our bills, without this car nothing gets paid and we lose everything including our home. We have offered to pay them {$1000.00} a month to get the loan current, that 's over {$300.00} more then the loan payment, we have asked several times for them to reconfigured the loan in order to get the payments lowered as to make it more affordable for us to manage after losing my job, they refused, in turn this resulted in falling behind with the payments, and the car ordered for repossession. Is there anything I can do about this and them refusing offered payments?
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed complaints and the company refused to talk to you because i had an attorney write a demand letter. The company refuses to talk to me because of that attorney letter. I told the company my attorney wants to sue them and i have not paid for that yet so they can talk to me. They have not replied to date. The company has received XXXX payments from me. All XX/XX/XXXX dates. XX/XX/XXXX, XX/XX/XXXX, and XXXX on XX/XX/XXXX. XX/XX/XXXX another payment was placed into a special account until the other XXXX payments are properly credited. I have provided them notarized bank statements where it clearly shows the company received my money. Why they are not crediting my account is beyond me. At first the company asked for more clear statements. I showed it was their upload system and not my statements that were unclear. I emailed them and confirmed they could read them. I then had the notarized statements sent to them and the company confirmed they received those. The company seems to want to use fraud in their refusal to credit my payments to my account. They received my money, their own people admited it, yet their fraud team and investigations team is deficient and wrong, and when i talked to them i proved they were wrong, yet still no payments credited.
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I Santander reported a charged off account to the credit bureaus, XX/XX/XXXX. II As is my lawful right in accordance with the Fair Debt Collection Practices Act ( FDCPA ), I sent via United States Postal Service, a letter requesting formal debt validation. This letter was dated XX/XX/XXXX ( Exhibit A validation letter sent to Defendant ) III Santander sent confirmation of correspondence datedXX/XX/XXXX IV XXXX failed to respond with any type of requested validation and failed to note the account with the National Credit Reporting Agencies as being disputed by consumer as is required by the FCRA ( Fair Credit Reporting Act ). The failure to note the account as being disputed is in violation of the FCRA, FDCPA, and an FTC ( Federal Trade Commission ) staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor. V On or aboutXX/XX/XXXX, I sent via United States Postal Service Certified Mail, with return receipt requested, a second letter requesting formal debt validation. Santander signed for this correspondence onXX/XX/XXXX. VI Santander again failed to respond with any type of requested validation, but began calling to attempt debt collection, and failed to note the account with the National Credit Reporting Agencies as being disputed by consumer as is required by the FCRA. The failure to note the account as being disputed is in direct violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor. VII Collection calls were received weekly from XX/XX/XXXX toXX/XX/XXXX in violation of FDCPA-section 809 part b, VIII On or about XX/XX/XXXX, I sent via United States Postal Service Certified Mail, with return receipt requested, a third letter requesting formal debt validation. Santander received this correspondence on XX/XX/XXXX IX During the period of time, from XX/XX/XXXX to XX/XX/XXXX, Santander failed to note the account with the Credit Reporting Agencies as being disputed by consumer as is required by the FCRA. The failure to note the account as being disputed is in direct violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor. X On or around XX/XX/XXXX this account was reported as a repossession to TransUnion in violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor. XI On or around XX/XX/XXXX, this account was reported as a repossession to XXXX in violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor. XII On or aroundXX/XX/XXXX, this account was reported to as a repossession to XXXX in violation of the FCRA, FDCPA, and an FTC staff opinion letter which clearly states that the furnisher of information may not report an account to the credit reporting agencies during the pendency of its verification of the account to the debtor. XIII As ofXX/XX/XXXX, Santander reports the debt as closed and charged off. Between XX/XX/XXXX and XX/XX/XXXX the reported balance owed for the CHARGED OFF debt was increased to {$14000.00} as verified by credit reports. The debt itself is past the statute of limitation of 3 years for the State of MS and is therefore uncollectible. Continuing to report this account is also considered collection activity according to the FTC opinion letter and is also a violation of the FDCPA. XIV It has also been noted that there are discrepancies in the reporting of monthly activity on the Plaintiffs account upon closer examination of their credit reports. These discrepancies constitute inaccurate reporting of information to the credit reporting agencies which is also a violation of the FCRA. XV Because of Santander 's blatant disregard for the XXXX rights as allowed by the FCRA, the XXXX have been denied credit. Santander has also hampered our ability to obtain a mortgage. XVI These actions on the part of Defendant demonstrate a willful non-compliance, as per FCRA and also constitute a blatant attempt to injure or ruin our credit rating since Santander has demonstrated an inability to validate the alleged debt in a timely manner ; reported inaccurate information ; changed the status of the account to repossession ; attempted to coerce payment by phone call and by continuous reporting of activity, after the XXXX Statute of Limitations ; and subsequently increased the debt to {$14000.00} after the XXXX Statute of Limitations.
Company Response:
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2017-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I HAVE A CAR LOAN WITH SANTANDER CONSUMER USA, THEY ARE NOT REPORTING MY GOOD PAYMETS TO ANY CREDIT REPORTS, I ALREADY CONTACT THEM TO TRIED TO FIX THIS PROBLEM BUT THEY SAID THAT THEY WILL NOT REPORT THE GOOD PAYMENTS ANYMORE, IT IS NOT FAIR THAT THEY NOT REPORT MY GOOD PAYMENT TO MY CREDIT REPORT, OTHERWISE IF I WILL NOT PAY MORE MY CAR THEY WILL REPORT MY DELINCUENT PAYMENT, THANK YOU
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a car loan with XXXX bank that I paid off completely due to an accident. Santander bank is reporting to the credit bureau that my account is a charge off account and that is incorrect. I have contacted both the credit bureau and santander bank and this has not been corrected. I received this loan around XXXX. When I called santander bank I was told that since my account went 90 days past due that the bank considered the account charged off despite the fact that I brought the account back into good standing and was making monthly regular payments on time.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A