Date Received: 2017-08-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Attempted to refinance. had conflicting information and a manager explained discrepency but put through a request to settle and stated she would call me back. much back and forth, many promises, gave a settlement but refused to offer any proof of it, verbal words only which new lender could not act upon. Took two months and many times of me calling back because i did not get call backs. Told that late fees and credit reporting would be take care of per them. more missed callback and failed communication. From XX/XX/XXXX to XX/XX/XXXX and payments made BUT applied to principal. Despite my stressing a sense of urgency every 2-3 day promise was more then a week and I ended up having to call back. DID respond via email to my new lender stating they would look into accommodating their request and get back in 2-3 days which they never did, nor did they respond to followup messages. New lender did not process anything due to their failure to respond w/o entire offer finally fell apart. Chrysler then offered a two month payment waiver to eliminate need to back-pay the time this was being negotiated, but failed to send paperwork to do, also promised would look into waiving insurance for that period and get a manager to contact me back in two days. Which again did not happen and when i called back was told they had decided to decline sending the exception after all. Chrysler is refusing to do anything to make good on their issues and is listing me as past due with late charges. My XXXX credit score is also now XXXX which leaves me unable to have any further loans and also impacts my small business credit score as well.
Company Response:
State: WI
Zip: 53172
Submitted Via: Web
Date Sent: 2017-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Second complaint from original CPFB complaint # XXXX a monetary relief agreement was given but Santander USA, has yet to apply to my balance this would XXXX out my loan and it would be paided in full also title would be issued after that they stated 5-7 to reflect that has yet to happen. Also, please remove from the 3 credit bureaus as mentioned.
Company Response:
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I called Santander and we agreed to a settlement. Upon completion of the settlement on my part they reported to the credit beauru a XXXX dollar balance but they have it showing derogatory on my credit reports. When I have fulfilled my end they did n't report accurately I sent in good will letters to remove late payments and account but had no response
Company Response:
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Recently checked my credit report and noticed that Santander is reporting I have balance owed to them, they have never sent information regarding the sale of the vehicle, they have never called or mailed any correspondence requesting payment. In addition to the negative item they have attached to the credit file, they have also sent it to collections in which I have n't received any correspondence from either. Car repossession laws in Illinois require your lender to provide you with a redemption notice within 21 days after your car is repossessed. If the lender fails to provide the notices or provides legally insufficient notice, the repossession may be invalid. Because Santander failed to notify me within the time frame by mail or phone they have breached the contract. In addition they have added a {$16.00} payment X/XX/2016 which is completely false. I have not made any payments to Santander or any other collection agencies with regard to this account. The fact that Santander had added incorrect information on my report and has not contacted me speaks to their business practices.
Company Response:
State: IN
Zip: 46324
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander consumer, has refused to validate debt listed on reports. I have made every ATTEMP to correct this information. Under fdcpa and FCRA creditor must validate all data reported. They hwve clearly violated the repossesion laws of Texas, I never was provided the date or location of sale of the sale of the vehicle in question. Unrecognized fees and interest added
Company Response:
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-16
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: I have been struggling to pay my car note over the years. I recently received my credit report, and saw my car was included into my Chapter XXXX bankruptcy. I did not know this. I did not sign any documents stating I was going to keep my car and contract with Santander. However, I have been paying {$400.00} for the last 6 years for a car that was covered under the bankruptcy. I spoke with 2 bankruptcy lawyers, both stated it is no longer a bankruptcy issue, but a consumer issue. When I called Santander it stated they would not release the car unless I paid {$14000.00}. I have to date paid over {$30000.00} for the car. The original car contract {$14000.00} with 24.99 % interest it is {$28000.00} ( My cred. I have paid way over that amount, they are stating none of my payments have been applied to the principal, because I have been late, and they will not release the title. I have reached out to the Attorney General, they could not help, because they said I already went to court. Legal Aid could not assist, and you are my last hope.If I filed bankruptcy in 2011, did n't sign anything to keep the loan, and I have been giving them my money. Late charges should not be an issue if I have been unknowingly been giving them my money, and it has been covered through the bankruptcy. Both bankruptcy lawyers said something is wrong, and they are ripping me off. I am asking you to intervene on my behalf. In a perfect world, I would like to get my money back, but I know that may not possible since I filed Chapter XXXX. Since I filed it has been a struggle to keep the payments, because of my illness, so realizing I could have saved over {$30000.00} really makes me sick to my stomach ... However, I would like my title. If you could please help me in retrieving my title, I would be greatly appreciative. Thank you so much!
Company Response:
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2017-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander is not reporting payments accurately. The following payments are not on my credit report as paid. XX/XX/XXXX {$10000.00} XX/XX/XXXX {$2300.00} XX/XX/XXXX {$500.00} My credit reports reflects I am 5 months behind in car payments. The following payments are listed as late when in fact they were paid before my due date which is the XXXX of every month. XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid {$450.00} reported as late XX/XX/XXXX Paid XXXX only XXXX is reflected on credit report.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2017-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Inquiries on my account WO permission. Never asked to run been fighting 2 years. Please help removed. Called bureau soany times. No help
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2017-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. Santander Consumer USA is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to Santander Consumer USA requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow Santander Consumer USA to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Company Response:
State: CA
Zip: 93940
Submitted Via: Web
Date Sent: 2017-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-14
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The loan was designed with interest out of my financial Income the rates were up to the maxim. None of the principles were being paid I could not keep up the payments for the automobile. a XXXX XXXX XXXX purchase XX/XX/XXXX. The car has now been repossessed. The letter for repossession was never received the car was repossessed XX/XX/XXXX, I received a letter to auction the car in a private setting on XX/XX/XXXX.I have a choice to auction public auction. I tried to refinance the car at the credit union it was over finance. It Was to much interest on it was not worth it. I had no way out I went every where for help.the company refuse to lower the interest rate.this has been a stressful situation. My credit is being placed in a situation. I can not deal with. I tried to pay what I could. The person who reported the had but nails in my tires the did every thing they could to get t me strained. I never saw any thing like that in all my days. I am XXXX and living on a fixed income. I would like to mention I 've even been run off the road on several occasions. and almost XXXX.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A