Date Received: 2017-08-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple unsolicited hard inquiries I want removed from XXXX by a company called XXXX XXXX XXXX a Finance Reseller ran hard inquiries on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have no idea who did this it is illegal. Their address is XXXX XXXX XXXX XXXX FL XXXX Please remove the offending inquiries off my credit report. Also the company XXXX has made multiple unsolicited hard inquiries through an illegal online source. I want them removed from all three reports, I have contacted them and the credit companies XXXX, XXXX and XXXX. Today XXXX illegally did it again to my credit. Please remove all XXXX hard inquiries. Almost all of the inquiries made on my report are a result of online reselling of information. I am working to have 15 known illegal inquiries removed.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This morning I checked my credit report with XXXX and Santander Consumer USA is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back toXX/XX/XXXX. I see that the account # they use is XXXX. And the date they reported was XXXX. The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid Santander along time ago ; so all information is incorrect.
Company Response:
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-24
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: This is the second auto loan that the dealers at XXXX XXXX got for me ; they were trying to help me find a company that will give me a lower payment from over {$400.00} to {$380.00}. They got me Santander Consumer USA and it 's parent 's company is Santander Consumer Holdings. At the time I did n't have enough information about this company and all I had to do is wait for their monthly payment in the mail. However, payments in the mail did not come and on XXXX/XXXX/XXXX, I dialed XXXX because my car was missing from my apartment 's parking lot. I found out that Santander towed my car to XXXX XXXX towing place. It would have costed me {$25.00} in cash after I pay 3 months of payments for me to get the car out. ( I went back and forth trying to deal with both XXXX and Santander on the phone and at this point they were very hostile, gave me the run around and were not giving me clear information. If they were going to charge me more fees on my statement ( which Santander did ), I would not be surprised. This time, I gave them my correct address, however, again it still took me longer to receive the statement so I created an account with SantanderConsumerUSA online to make payments. ) Santander finally addressed to me that I can pay 3 months of payments through XXXX XXXX by wire transferring and then they ASKED ME TO CALL THEM BACK TO GIVE THEM THE CONFIRMATION # OF THE TRANSFER. On XXXX/XXXX/XXXX at XXXX, I made the transfer and returned home around XXXX to call Santander to give them the confirmation # and that it would take up to 4 hours for the transfer to go through so I should wait. This was the afternoon before the XXXX of XXXX and that every place especially that XXXX towing company will be closed so I waited until XXXX XXXX ( my birthday ) to call and ask about my car. On XXXX XXXX, I called and XXXX in XXXX told me that the car was towed to XXXX XXXX XXXX in a nice area called XXXX, AZ. XXXX said it was Santander 's order that had my car towed to the XXXX XXXX XXXX because XXXX only has my personal belongings which they removed when the car is towed. I called Santander and a gentleman had no clue after looking on the computer where my car went. It took him about 15 minutes of waiting on the phone for me to find out that it was towed to XXXX XXXX XXXX. I finally took a taxi ( because there is no public bus that will take me there ) and asked XXXX to please release my car and they were very helpful. They also mentioned to me that there may be possibly be a {$260.00} ( something that was close to {$300.00} ) charge on my statement by Santander. I was furious because I found out that when I made the call to Santander to confirm my wire transfer on XXXX, at XXXX, immediately at around XXXX, Santander went ahead and had the car towed to an auction place which now I have to pay higher fees ; Santander did not call it off. Because they did NOTHING and continued to do NOTHING by refusing to take the fees off or helping me, I told them that I will only pay the monthly fee of {$380.00} or {$880.00} from a $ 700-something statement online. Last, I finally received a statement in the mail which amounted over {$1000.00}. Instead of {$700.00}, it went over {$1000.00} and then to what else, much higher?!? This is getting out of control! Again, I will continue to pay them the monthly fee and nothing else until they remove these outrageous fees and interests. I did nothing but cooperated with them while they continued to abuse their authority by harassing me and by being hostile towards me. I know I am not the only customers they are mistreating. I would these fees removed because I want out of Santander - all of Santanders! I have all of my paperwork to back up my claims. I also contacted XXXX from XXXX XXXX XXXX. They are the corporate of XXXX XXXX and XXXX was the only one who was very helpful along with the nice lady from XXXX XXXX XXXX. It is Santander Consumer USA and Santander Consumer Holdings that I have a very, very huge problem with. They are extremely UNETHICAL and are playing games with our credit and our lively hood. Between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, I had to take taxi cabs after taxi cabs to work and buses after buses to work and to other places because I did not have reliable car it costed me well over {$150.00}. Again, I would like to resolve this and have Santander remove these ridiculous, unnecessary and outrageous fees plus interests. Their practice is unethical, totally abusing their power and their behaviors or actions are out of control. Nobody especially consumers have to put up with that kind of ordeal. Once I have these fees removed, I would like to have my credit score fixed and I would like to get out of their loans or their " power '' over me and my life. These people at Santander are behaving so badly that they are effecting me in a very negative way. I feel like I am their prisoner. Thank you for assisting me in this crucial matter. I look forward to hearing from you. Best Regards, XXXX XXXX
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: fraudulent contract, excessive interst, predatory loan, interest rate is against the law per NY State I spoke with a manager concerning my interest rate on this loan taken out XXXX. I was told that because i purchased this vehicle in the state of Texas my interest rate was % 19 I explained to the gentleman that i did not purchase the vehicle in Texas i purchased the vehicle in new York State and that this interest rate was against the law in my state. I spoke with the attorney general office and was advised to notify Santander that the rate and contract was considered predatory lending and my contract also shows that i purchased the vehicle in NY State. i have never been to Texas nor have i ever resided in Texas. this contract is different from what i have however this deal took place over the phone and via bank wire so i do not know what was submitted on santander 's end. I also explained to the attorney general that this is a $ XXXX loan and i still have a balance of $ XXXX that exceeds % 20 interest. at % 20 percent i would have paid $ XXXX in interest and have a balance near $ 16k at this day in time. this figure shows that my interest is over % .30 percent. I was informed of the class action law suit form XXXX XXXX and that my proof of purchase and this interest as well as the fact that this is known as a Simple loan which are not legal in the state of NY makes this contract null and void and per the attorney general i should start this paper trail to provide evidence that this company will do the usual and not remedy this problem. Once i have the evidence that the issue is not resolved knowing that Santander has an illegal contract and terms. To escalate this matter through the attorney generals office and law suit.This interest has caused great hardship and the main reason my payments fell behind. I have proof i did not purchase in Texas. I have proof my contract shows I purchased in New York state. the attorney general has proof this loan type and contract along with its interest is illegal In New York State and Lastly this company has violated the FDCPA by attempting to collect a debt and they are not licensed in the city of XXXX to do so. Per the Attorney General you do not need a license to collect in the state of New York Unless you are collecting in XXXX New York and XXXX XXXX XXXX. I reside in XXXX Ny. This company must be licensed to collect from me and since they are not they have violated my rights for over 2 years and i legally have a separate law suit.
Company Response:
State: NY
Zip: 14216
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Santander is reporting a repossession for this account, in the amount of {$10000.00}. It is true that I co-signed the loan on the car. The person I signed for was in an abusive relationship and my wife and I felt like she needed some help. It was not the wisest thing to do, but it seemed like the right thing to do at the time. It wasnt long after that she disappeared with the car. She made regular payments on time for about a year and then the problems began. The real issues begin once the car was repossessed. I am not disputing their right to repossess the car if she wasnt making the payments. I am concerned that once it was repossessed I wasnt provided notice that the vehicle was going to be sold. I wasnt provided any notice about what it would take to redeem the vehicle. I wasnt provided any notice about when it would be sold. All these are required under Texas Business & Commercial Code Sect. 9.612. Nor was I ever informed of what it was sold for, so I have no way of knowing if the amount they claim is still owed is correct or not. Finally, to add insult to injury the item was then slapped onto my credit report. This item is under dispute under the FCRA, 15 USC section 1681i, for being inaccurate or unverifiable, because I have no way to know if the amount being claimed is correct. It is also under dispute under the FDCPA, 15 USC section 1692g, because at all points there has been a failure to provide written notice of anything related to the repossession or sale of the vehicle. Had I known of the repossession I would have bought this car to keep this off my credit. Texas State Law requires multiple things that are not addressed in federal law that I am sure that Santander knows about but none of these things were followed. Sale/Auction : Your lender can sell your truck in a commercially reasonable manner at an auction or other type of sale. See Texas Business & Commercial Code Sect. 9.610 Required Notifications : Before your lender can sale your truck, they MUST notify you of their intentions.. See Texas Business & Commercial Code Sect. 9.611. They did not notify me of the sale. Timing of Notification : Your lender must send the required notification after your default and 10 days within the disposition of the vehicle. See Texas Business & Commercial Code Sect. 9.612. They did not notify me of the sale and did not send me the notification. Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614, None of this was done. Right to Redeem Car or Truck : You have the right to redeem your vehicle even after Texas repossession. To redeem the loan default, you have to pay whatever is owed through that date, the reasonable expenses like repo fees, storage costs and attorneys fees. You have the right to redeem the vehicle up until the actual sale date and time. See Texas Business & Commercial Code Sect. 9.623 Lenders Failure to Comply : If the lender fails to follow the Texas Repossession laws, then it may be liable for damages and costs that you incur. Or you may be able to recover {$500.00} for each statute violation. Or you may be able to eliminate any deficiency owed on the truck loan after the sale. See Texas Business & Commercial Code Sect. 9.625 Consequently, I am requesting that this removed from my credit report as being inaccurate, unverifiable, and under dispute where the creditor has failed to provide proper notice of the items relating to this account.
Company Response:
State: TX
Zip: 77340
Submitted Via: Web
Date Sent: 2017-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I contacted Santander Consumer 4 times. I wanted to settle the debt of XXXX dollars. They told me if I paid XXXX dollars of the debt it would be updated and removed from my credit report. I requested confirmation of this on 3 separate occasions. They have yet to update this on my credit report. It is still stating that the debt is owed and I yet to receive the confirmation letter from the company, though I requested this information on several occasions. I would like my XXXX refunded to me the original charge off date returned to me in the form of a check or redeposited into my bank account or this debt removed from my credit report. This is falsification of information and I would have never restarted this debt had the company not lied and stated the information would be removed from my credit report. I am making strides to fix all things on my credit report and I 'm very upset that they are n't being truthful.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a vehicle financed through Santander in XX/XX/XXXX. Santander charged the vehicle off as bad debt in XX/XX/XXXX and wrote it off in taxes as bad debt. Therefore, they received a XXXX as income. They are still reporting a balance and trying to collect for it after writing it off. The vehicle was totaled and XXXX XXXX paid Santander {$5200.00} in the total loss settlement and Santander released the lien and turned it over to XXXX XXXX. XXXX XXXX now owns the title and the vehicle. Yet Santander is still reporting an owed balance on my credit report and will not remove it and told me I would still have to pay {$9000.00} in balance for something they wrote off on taxes and collected from the insurance company.
Company Response:
State: LA
Zip: 70815
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an auto loan with Santander Consumer USA. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with Santander and they now state that did n't happen when I call in.
Company Response:
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2017-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company SANTANDER CONSUMER CO, has put an account on my credit file without my consent which is illegal and constitutes Fraud, .the reporting of this account is also in violation of FDCPA and FCRA rules and regulation and Copyright Laws.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Sandtander is my finance company.The very first day I got the car I tried explaining to XXXX XXXX sales person ), and the guy in finance that the mileage was all wrong. The vehicle was showing a little over XXXX miles on the dash board but my paper work was showing only XXXX. During the first of week of having this vehicle every bump I hit the all the lights would go off on the car, the head, tail, brakes and dash board. The mechanics asked to keep the car over night and that they was going to drive it home and so they did and they gave me a loaner. They tried keeping my car for a few nights. I was told to pick up the car so I did. A block away the lights all wet out again so I took the car back and when I got up there they all was very mad. So I had been calling XXXX ( the manager ), for a week so he approaches me by calling me and I told him not to approach me like that. So him and I got into a huge argument and he called the police on me and told them that he wanted me arrested. The officer told him to give me my car. XXXX told me that they was not going to honor the warranty that I had because I was never allowed back on the lot. So they would not take the warranty off my contract. I was on my way to XXXX to visit my mom when all my lights went out again.I paid out of pocket over {$800.00} to have the car towed back to Georgia. I paid over 5,600.00 to have my car rewired. and paid my car note. Soon after that my brother passed away who was not in any life insurance so me and my family had to come up with the money for his funeral and burial. So, I was speaking with a rep from Sandtander who had agreed to allow me to make a payment and the other payments would go in the rear and they would adjust my account for the XXXX that I had to pay. About a week after our agreement she no longer worked there and the company would not honor the agreement that she had made with me. Just a few months afterwards they put on my credit that I owed them {$21000.00}, it was discharged and repoed. The problem is is that they never repoed my car. I tried to get another vehicle but I could not because of the repo on my credit. About two weeks ago I was at XXXX and my XXXX year old grand daughter was sleeping in the car and the repo man had hooked his truck up to my car and my granddaughter started blowing the horn. I called the police and the police came and told them to give me my car but my grand daughter had to get out the car before they let it down. They had towed the car a few feet with my grand daughter in it, The name of the company that towed the car with my grand daughter in it is XXXX, XXXX XXXX and her phone number is XXXX. My reference number is XXXX. She called me today and said that Santander hired them to repo the car. Both of these companies has violated me. Sandtander should have never put repo on my credit because they never repo the car and XXXX should have never towed the car a few feet away because my grand daughter was in the car. I have filed bankruptcy.
Company Response:
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A