Date Received: 2022-08-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have disputed this item on my credit report stating factual errors on my credit report that the credit bureaus has consistently failed to investigate regarding my Chrysler Capitol Acct # XXXX Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 15 U.S.C 1681 Section 602 ( A ) states I have the right to privacy 15 U.S.C 1681 Section 604 ( A ) section 2 Also states a consumer reporting agency can not furnish a account without my written instructions.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: on XX/XX/2021 XXXX XXXX obtain a copy of my credit report with out my permission i am a victim of identity theft
Company Response:
State: TX
Zip: 77038
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have made attempts to contact them to notify them that this debt was being reported on my credit report and that it didnt belong to me. I have disputed it with XXXX, XXXX XXXX and XXXX and this company is reporting falsely. My confirmation number for my disputes are XXXX .I explained I may be a victim of identity theft however they are still reporting negative. I do not owe this debt and if they find me in error Id like a contract bearing my wet signature.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account has been improperly reporting since XXXX reporting on-time with XXXX, when after speaking with multiple reps this account was charged off in XXXX of XXXX. There should have been no reason for this account to be reporting inconsistent as it has. I became aware of this a month ago when i was denied a federal student loan for this account reflecting open within 2 years with a balance when it should have been reflecting charged off for over 6 years. Federal student loan would not accept my appeal stating this account was within 2 years and i needed a letter proving the date of charge off. I have been in contact with your company for over 2 weeks regarding the intentional irresponsible reporting to my XXXX credit report. I have called numerous times regarding this issue that was finally corrected with the credit bureaus. These irresponsible actions have caused for denial of lines of credit. In light of the previous suits of Santander consumer violating consumer laws within my state and most recently violation CFPB resulting in an internal investigation and civil penalty I am fully willing to proceed with bringing this to the light of the attorney general of the State of New Jersey for once again violating consumer laws which are in place to protect myself and other consumers. Your company was previously advised by the CFPB to have corrected these issues in which you did not and are still violating consumer laws. Over the past 5 years you have improperly reported this account to the credit bureau of XXXX. I have made an attempt to remind your company of your duty pursuant 15 USC 1681 on your intentional and neglectful actions in remedying my affairs. 15 USC 1681e ( b ) assures i am due, promised accuracy in my report based on federal laws and you have done exactly the opposite.
Company Response:
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: To whom it may concern, I, XXXX XXXX XXXX opened a Santander loan in XX/XX/XXXX, at a time they were aggressively predatory lending. I was given an unreasonable APR. My credit score was misinterpreted and misrepresented. I have reached out to Santander about this issue, and they wont help me at all. Over their lifespan, Santander Consumer USA has violated COUNTLESS laws in the Fair Credit Reporting Act, as well as most other laws protecting consumer from predatory lenders and debt collectors. More and more lawsuits are coming each year. I'm surprised this company is still standing. They also admitted to Predatory Lending for all people who received a loan from them from XX/XX/XXXX XX/XX/XXXX. I got a loan from them XXXX of XXXX. At the time I was still learning about finances and different loan types and lender. They absolutely took advantage of my situation, gave me a sky-high rate and stated my credit score was XXXX points less than it actually was. Me not being familiar with these practices, I thought it was the norm. And this is exactly why this is unacceptable. On top of this being a loan constructed from Santanders predatory lending practices, the information on my report is also inaccurate. The information stated on all three credit reports dont match across the board. This loan is a violation all across the board. This account should have been deleted 2 years ago in XX/XX/XXXX, but Santander Consumer USA loves to prey on people ignorant to the things they profess in. Please have this account deleted immediately. This is very unfair for me to have to deal with this. I would also like to be repaid all the payments I made to Santander Consumer USA immediately.
Company Response:
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is the XXXX complaint filed against Santander Consumer USA regarding misapplying my car payments, over collection/unexplained fees and failing to roll my due date when full car payments have been made. FOR THE RECORD, I have never paid a partial car payment on my car loan .... ON XX/XX/XXXX Santander USA responded to a Consumer Financial Protection Complaint filed, by letter stating they issued a partial payment of {$140.00} ( money owed to me after they conducted an audit ) to the XX/XX/XXXX car payment. Santander reduced my car note from $ XXXX to {$340.00} according to my XX/XX/XXXX billing statement. Per my car payment history my last payment made was {$490.00} on XX/XX/XXXX ( my car loan is paid ahead ) on XX/XX/XXXX, I paid my regular car payment of {$490.00} instead of paying {$340.00}... On XX/XX/XXXX Santander applied {$17.00} to my principal balance from my car payment of {$490.00} and the remaining of {$470.00} went to interest. I called and asked where did the {$140.00} GO, this was money owed to me. The representative stated it went towards interest. I told her this is WRONG WRONG WRONG. Per Santander this is a daily interest simple loan and interest is based on the last date of payment to when the next payment is made. My daily interest is {$11.00}, from XX/XX/XXXX to XX/XX/XXXX is XXXX of interest. XXXX x {$11.00} daily interest = {$480.00} of interest owed. HOW AND WHY did Santander take {$610.00} in interest which was the {$470.00} of my car payment plus the {$140.00} ( money owed to me ) I am owed {$130.00} towards my principal balance not $ XXXX. THIS IS YET AGAIN ANOTHER Greedy tactic BY Santander. to XXXX the life out of consumers by gouging interest from car loans..
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Santander Consumer Usa, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Disputed the report because the vehicle was reposed for XXXX missed payments, but now they are reporting I have 14 missed payments when that is not the case and my now ex-wife and I had signed paperwork through the loan office that was accepted by Santander Consumer USA to defer payments to the end of the loan. The information is incorrect on my credit report and I do not have 14 missed payments nor do I have the vehicle anymore.
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: We were not used to borrowing before we bought our car back in XXXX, so we had not built enough credit before we contacted Santander for part financing to buy our car. They offered a very high interest rate and refused to refinance to a lower rate even after our credit rating improved to between XXXX and XXXX. So Sometime in early part of XX/XX/XXXX, we contacted another auto finance company to refinance our car loan which we have had with Santander Consumer USA for 2years. The new auto finance company requested Santander Consumer USA to provide them with the amount of our auto loan balance to enable them pay it and take the loan over at a much lower rate. Santander Consumer USA provided them with an overstated loan balance than what we actually owed. As a result, in XX/XX/XXXX, the new auto loan company sent a check to Santander Consumer USA in the sum of the overstated loan balance they were provided by Santander. Santander Consumer USA then sent us an acknowledgement letter in XX/XX/XXXX of the payoff in settlement of our account with them, and they further explained in the letter that they will reconcile our account and send us a check for any overpayment difference by XXXX XX/XX/XXXX. We called them after the refund check wasn't sent as promised in XXXX. We were told it will be sent by XXXX. We called again when we didn't receive the check in XXXX. Its now mid XXXX and the check has still not been sent, which is why we are filing this complaint. To send official correspondence or checks even by USPS, it usually takes 5 working days to any location within the US. We believe Santander Consumer US is being dis-honest in this case and this may be their mode of operation to intentionally hold on to funds belonging to others, longer than they should, as a source of funds or cashflow to advance their business objectives, at the expense of consumers like us. We will appreciate your assistance to recover the sums owed us please. Kind Regards
Company Response:
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A