Date Received: 2021-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was given a subprime car loan with unfair rates and interest. Car was totaled and Santander continued to charge me interest and monthly payment. Santander issued a settlement an agreed to remove car off my credit report and a restitution payment was also issued. I have received the payment but Santander is still listed on my report in error.
Company Response:
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments as reported on my 3 Credit Bureaus. As you can see, I have always had a terrific payment record with this company. Investigate and update the current status to reflect accurately.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The original creditor Santander Consumer USA referred me to their collection company called XXXX XXXX XXXX and I informed them the account was never set up in my name nor had I any acknowledgment of this vehicle loan as a co signer or owner period. I asked them to have this removed from my credit report due to the fraudulent information the company stated they would however my credit score reflects that the company has not removed the account.
Company Response:
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : 14 SANTANDER CONSUMER USA INC ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, *1. CHRYSLERCAP Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I immediately disputed this information with CHRYSLERCAP and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX BCC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I have requested documentation. They told me they would have the executive office call me. Until that time, I do not have any documentation and specific dates. I apologize. I paid {$550.00} a month on a broken car I got from XXXX. I paid this amount for XXXX years. My balance never went down. Then, recently, my payment jumped from XXXX to XXXX. So they considered me as five months behind even though I was still paying the XXXX. According to my records, I was maybe one month behind. That's it. They repossess the car. Now they are trying to serve me papers. I am moving to avoid this. I'm a single mother and I already work XXXX jobs. I am not capable of being garnished for {$16000.00} nor is it fair. The loan was through Santander Consumer USA. A quick XXXX search if you're not already familiar with it will show you that they have lost to class action lawsuits, one involved 33 States including Tennessee, the state I live in. I guess this was a subprime auto loan? That was never disclosed to me. I never heard of such a thank you. They have been ordered to do long forgiveness two people who made their purchases during the year that I did, 2018. I contacted them as the lawsuit website directed me to and ask them to please check if I qualify for the loan forgiveness. I'm sure I do. This is very predatory lending. They told me that they don't think that I do and that the executive office would call me. I still have not received the phone call. I need help with this. Is there anything you can do to help me? Thank you so much.
Company Response:
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX Original creditor : SANTANDER CONSUMER USA {$9200.00} This isnt my debt and this account been on my credit for 7years
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
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: I had XXXX XXXX, send for Title for car, from Santander USA, In XX/XX/2021. I called and talked to them on several occasions, from XX/XX/2021, Until this Day, when I requested again by Santander Email Address. This is XX/XX/2021. This car is just sitting, and rusting, because I can't get the Title, To get tags. They been lying saying Mdmva, didn't have an address. Only a XXXX XXXX XXXX Then They said it got lost in the mail. So can you Please Help me.
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: In the year XXXX, I purchased a brand new XXXX XXXX XXXX from XXXX XXXX a car dealer in XXXX Maryland. Shortly after I purchased this car I realized that I was being taken advantage of and became a victim of a bad experience as a consumer. The contract that was created and structured for this car was extremely illegal. For starters, the XXXX rebate that I was promised was never put into the contract but into the dealer 's pocket. 2. The contract was structured as though I was paying for two cars and I only bought one car. 3. The high-interest rate that I was charged was never supposed to reach 29 % but only should have been no more than 10 %... Furthermore, after going before the board at the XXXX credit union to get the car refinanced they informed me that the interest rate was an enormous error and that they could not touch the contract. Mrs. XXXX a loan officer at XXXX XXXX XXXX XXXX also advised me that I should seek legal counsel because the contract was written up so that I would fail. Mrs. XXXX first approved for a refinancing of the car and on the day that I was supposed to get the check for the payoff of the car ; she captured the error of the rebate and the erroneous errors in the contract. My family has suffered embarrassment and have had to undergo tremendous disadvantages because this car was repossessed a day before I had to return to my job as a XXXX after a summer break in XXXX ..... I desire to be compensated for my family 's pain and suffering...
Company Response:
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: As it states on the contract that was on XX/XX/XXXX the co-buyer ( Consumer ) is responsible for paying the entire debt. I tried to keep up with the payments on the XXXX XXXX XXXX so the payment would not get behind. I called CHRYSLER CAPITAL to get help with the payment and they gave me an extension for the payment, but it would still have to be paid in full for the past month. I sent CHRYSLER CAPITAL a validation letter on XX/XX/XXXX and asked for the original wet ink signature on the contract. They sent me a letter along with a scanned copy of the contract. I could not pay the amount for two months payments. On XX/XX/XXXX the buyer ( XXXX ) got a letter saying CHRYSLER CAPITAL was going to take the car if a payment is not made. I called to see if I could put down something and the representative said I had to pay the full amount. On XX/XX/XXXX a notice in the mail from the buyer got a notice of repossession and notice of our plan to sell property. During the pandemic a third party came to repossess the XXXX around XXXX eastern timed impounded the car. It stated that I can get the car back at any time before we sell it by paying CHRYSLER CAPITAL the total reinstatement amount {$2.00}, XXXX. I had to take out another loan ignorer to pay the total amount. During the The third party took the car again on XX/XX/XXXX and the total amount on it was {$1400.00}. I sent another CHRYSLER CAPITAL a validation letter on XX/XX/XXXX and asked for the original wet ink signature on the contract. They sent me a letter along with a scanned copy of the contract. I took a look at the contract and seen that it states that the buyer or co-buyer may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under the agreements on the front and back of this contract. As I am the original creditor as per 15 USC 1602g the car was already paid for as it states in the contract and is a violation of the Truth and Lending Act 15 USC 1601. The buyer of the car got turned down because of her credit application which is another violation 15 USC 1691 ( 3 ) scope of prohibition the applicant has good faith exercised any right. Before I was approved for the car they asked for a down payment which I put down {$1000.00}, which was another violation of 15 USC 1662 and 15 USC 1611 I was giving inaccurate information which was required to disclose. When I couldn't make payments I received threats in the mail of taking the property 18 USC 876 ( d ) The car was taken by a third party company 15 USC 1692f ( 6 ) ( a ). I sent a right to rescission 15 USC 1635 to CHRYSLER CAPITAL on the fraudulent violations that were made per Truth and Lending Act on XX/XX/XXXX via certified mail return receipt. In that letter I stated all the violations that were made in the contract and I demanded all money back that was paid on car from repossessions, monthly payments, and interest as per 15 USC 1692h. In the contract under Truth in Lending Disclosures in the finance charge section it states the dollar amount the credit will cost you {$12000.00}. All payments from when the car needed service was to be included in the finance charge as per 16 USC 1605 ( a ).
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A