Date Received: 2021-09-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I disputed this account several times with no follow up from XXXX XXXX with verification. I sent XXXX XXXX a letter regarding an account listed on my credit with a balance of {$4300.00}. They sent notice back that they were unable to locate the account they are reporting. I sent the notice to the credit bureaus for removal but they said XXXX XXXX verified the account and will not remove. I would like a copy of the contract and verification documents provided to the credit bureaus. if unable to furnish please remove the account as it is not mine. I contacted my ex to see if he placed this account in my name and he said no. I have no records of this account and if he did place this account in my name I will need support docs to pursue him. XXXX advised they don't have a contract on file. But continue to report because XXXX XXXXvised not to remove. If this is not resolved I will file a FTC complaint next.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have filed a complaint with all credit bureaus regarding Santander USA including the cfpb. I have requested documentation stating that the Santander account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or Santander. Santander did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by Santander through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. Santander also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. Santander USA needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
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 ( Consumer ) 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: 15146
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX, am a consumer pursuant to 15 usc 1692a ( 3 ). SANTANDER CONSUMER USA is a debt collector pursuant to 15 usc 1692a ( 3 ). SANTANDER CONSUMER USA keeps sending me monthly statements with multiple logos and symbols which is a direct violations of the FDCPA under 15 usc 1692b ( 5 ). SANTANDER CONSUMER USA placed a lien on my vehicle without disclosing the name and address of the original creditor on any of the statements. SANTANDER CONSUMER USA failed and refused to disclose the name and address of the original creditor which violates 15 usc 1692g and misleading and unfair under 15 usc 1692e ( 11 ). SANTANDER CONSUMER USA made invalidated report to the consumer reporting agencies without my written consent which violates my privacy, under the FCRA which 15 usc 1681 ( a ) ( 4 ) and 15 usc 1681b ( a ) ( 2 ). SANTANDER CONSUMER USA have used my credit card 15 usc 1602 ( i ) aka social security for its own benefits without having any authority for such use, which is an unauthorized use under 15 usc 1602 ( p ). SANTANDER CONSUMER USA willfully violates 15 usc 1601, 15 usc 1611 for willfully not disclosing material fact regarding the alleged debt. Causing me harm and mental anguish. SANTANDER CONSUMER USA is harming my reputation, by reporting invalidated debt to the consumer reporting agencies which violates 15 usc 1692d ( 1 ). False or Misleading Representation by SANTANDER CONSUMER USA pursuant to 15 USC 1692e ( 11 ) failed to disclose that they are attempting to collect a debt and that any information obtained will be used for that purpose. SANTANDER CONSUMER USA failed to provide the Notice of debt with the name of the creditor pursuant to 15 usc 1692g ( a ).
Company Response:
State: CT
Zip: 06902
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO: FCRA 15 USC - 1681b(a)(2) 1681d(a)(1)(A)(B) 1681e(a)(b)(c)(e) FDCPA 15 USC- 1692e(a)(b) THE ATTACHED INFORMATION IS UNAUTHORIZED/FALSE AND MISLEADING/UNDERMINING/IMPAIRED.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: the credit bureaus XXXX, XXXX, XXXX has been defaming my character and reporting false consumer credit transactions without my consent.I am victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting and the fair credit reporting act i need the actin taken care of immediately
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have sent 4 certified letters and 2 regular mail letters asking for information and validation of debt and the company has refused. I received one note from them and I got it on XX/XX/21 and it had nothing in it that I have been requesting. My credit report came in this morning and it carry 's incorrect information on all levels. This account is under a ceased order and is still being reported and discussed without proving to me this is my debt and WHY. Since this has happen it should be removed.
Company Response:
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka Santander Bank ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr XXXX XXXX Company Response: State: NJ Zip: 070XX Submitted Via: Web Date Sent: 2021-10-12 Company Response to Consumer: Closed with explanation Timely Response: Yes Consumer Disputed: N/A
Want more visibility for this complaint, upvote it. Less, downvote it. :)
Date Received: 2021-09-22
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I received a letter in regards to a consumer auto transaction dating back to XX/XX/2021. In the letter it states what was in the retail installment sale contract and how much the remaining balance was of the open charged off account. Many of my consumer rights are being violated in this contract and the information is completely wrong. This debt is completely alleged ; the name of the person on the contract is not mine. My first name is XXXX, not XXXX and the address is not where I live. According to 15 USC 1692e ( 2 ), a debt collector may not use false or misleading representation to collect a debt. Chrysler Capital are trying to collect on a debt that is not mine. This is identity theft and identity theft is also a violation of my consumer rights. The finance charge in a contract is the sum of all charges, pursuant to 15 USC 1605 so how could someone owe anything if the credit extended was theirs? As long as the contract was signed the credit was extended. As a signer or co-signer, the person who extends credit is the original creditor. The original creditor is the natural person. Chrysler Capital is using chicanery to collect on an account by all means. I would like this situation to be handled immediately because my livelihood is being destroyed.
Company Response:
State: NY
Zip: 11710
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Santander company made an unauthorized inquiry on my credit report on XX/XX/2020.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A