Date Received: 2021-10-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I am writing to dispute the late payment on my auto loan with Santander consumer USA. Ive been making timely payments to them by text for months now. I knew my car was almost paid off and when I didnt receive a text from them for payment in XX/XX/2021, I assumed it was paid off. I went online to check in XXXX and it did say that I still owed {$360.00}, but when I pressed make a payment it said that my balance was XXXX so I assumed that their system had just not been updated and that I was done with my payments. I have been waiting for my pink slip. I received a letter from them today, XX/XX/2021, and was hopeful that it was the pink slip but it was an Invoice saying that I was 71 days late in paying! This is the first statement that I received from them by mail since I signed up for text payments. I called them and they said that my late payment had been turned over to you and that I would have to file a dispute through you. I told them to transfer me so that I can make a payment on the phone but when they did that I was told that I owed {$740.00}. This wasnt the amount that I was just quoted. I hung up from that service and decided to pay online once again. I pushed to make a payment and it said that my balance was XXXX dollars. I called to speak with someone again and they told me to go online and pay by asking for the payoff amount. I tried that and they told me the payoff amount but wouldnt take a payment and when I tried to pay again by phone it gave me the {$740.00} amount. I called and spoke with the rep again and he transferred me to a manager who was able to take my payment by phone. He apologized and said that there were apparently some glitches in the system, one being that they didnt text me my final payoff amount and allow me to pay that way, like I had been paying for months, and he couldnt explain why it said that there was a XXXX balance when I went online to try to pay. He was going to turn that over internally for them to check into. He did explain that the automatic amount of {$740.00} was because the auto payment just knew that it was a month late and it gave me two payments plus a late fee amount. It apparently doesnt know when you are on your final payment. I would appreciate it if you could remove the negative dings that this created on my credit score. Its been more than frustrating dealing with them but my credit report score troubles me above all. The company is Santander consumer USA
Company Response:
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I purchased a vehicle which was financed through Santander. That vehicle was totaled in an auto Accidnet. I had gap coverage and everything was paid in full but Santander kept adding fees and additional charges stating that I owe them money. This was covered when the vehicle was totaled in 2015 and they still report this unpaid to the credit bureaus.
Company Response:
State: TX
Zip: 77546
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Good Morning Here are just some of the documents and " real time '' correspondence that I was sending to Santander over the course of the term of the Car loan. As I advised the initial woman I spoke with earlier, I made what I thought was my final payment on XXXX XXXX of {$500.00} ; only to be told that I now owed an additional {$8000.00} and then they stated I was past due for that amount ( they placed a 30 day late on my Credit Report on XX/XX/XXXX ) and a 60 day late notice even though they were " refinancing '' the vehicle with a date of XX/XX/XXXX. Some Highlighted Notes : * My care was physically damaged on the Second Unlawful Repossession ( XX/XX/XXXX ), and I filed a claim with the lending company, Santander. They have never addressed the claim. I repeatedly sent the requested information, and was repeatedly told they were working on it. I also was asked to send a demand letter, which I did. They are now stating that the damages happened " too long ago '' although I immediately reported it. I have kept all written records as well as recorded calls. Please see attached sample for PROOF. * I was able to attach a recorded call from XX/XX/XXXX to validate a real-time conversation surrounding the separate repossession, double billing, and damage to the vehicle
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander consumer has once again proven to be extremely unprofessional. Stating that they cant corroborate a claim made by me when in any other situation they would simply pull the phone call to verify that the information the agent or the customer is stating is in fact the truth. This company reported my car late for 120 even after it was stated and charged off as a stolen vehicle. Never recovered by me and literally being found years later. I plan to contact the police department and see if this company recovered the car because once again that would be unethical as most of Santander doings are and also illegal as it is double dipping. This company has stated for years that they never said that once I pay the charged off amount for a vehicle that was stolen that they would remove the negative remark off of my credit. Instead of just pulling the phone call they have continuously claimed that I am lying. Just pull the phone call as the date of the last payment is marked. Instead of actually investigating we simply have individuals sit in their office and say they cant corroborate. No research actually even done. For years this has been one of the most unprofessional companies. I have no negative remarks on my credit except this one. Im at the point where I am going to seek legal action due to this company continuously reporting a negative remark on my credit without doing the needed research to verify that their agent stated the entry would be listed as in good standings. I do not recommend this company and I will regularly report on this unfair dealing.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are several unauthorized inquiries on my account that I have no knowledge of, these inquiries has been on my XXXX credit report since XX/XX/2021.
Company Response:
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
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: We paid off Chryler capital Acct XXXX on XXXX XXXX. XXXX also authorized the payment. Confirmation {$2500.00} but they are claiming they dont have the payment they also try to get more money out of our bank account {$2800.00}. Which was wrong amount. The bank stop payment on that amount. BUT they claim our money is no records and holding on to our Lien release for our XXXX XXXX XXXX.please help us to finalize our payoff. And to get our lien release
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SANTANDER bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX
Company Response:
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I, XXXX XXXX entered into a consumer credit transaction with SANTANDER USA , INC finance on XX/XX/2021. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 US Code 1605 ( a ) a finance charge is the sum of all charges in a consumer credit transaction. Because I know the finance charge is the sum of all charges, I was not expecting to pay a down payment, or any other additional charge outside of the finance charge, which was paid for with my credit. In this transaction, there was a cash down payment of {$3500.00}. Congress said in pursuant to 15 US Code 1605 that the finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer transaction thus making this illegal. I tried to send my affidavit of truth with evidence, cease and desist, and notarized Jurat to SANTANDER USA , INC using the address that was provided, but it was returned due to an invalid address. At this point, whether malicious or unintentional, I have been denied my right to dispute due to my inability to communicate with SANTANDER USA , INC. I am demanding a remedy of this situation immediately.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A