Date Received: 2021-09-08
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: The lender deleted tradeline after I have made 65 months of payments in good standing which took my credit score down 100 points causing me not to be able to make home buying purchase and shows poor credit standing plus company charged me late payments and has over charged my account over the last 3 years I have made {$60.00} per month over the regular balance when I called the company they refused to assist and stonewalled and was confrontational the company admitted they deleted the tradeline and the was a cease and desist put on my account that i did not request
Company Response:
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Pursuant to 15 USC 1681 a ( 2 ) ( B ) - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report. and they havent responded in over 30 days..
Company Response:
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I want to a dealership back in XXXX of XXXX to purchase a car, at that time I had no job I was desperate to get a car to work for XXXX and earn money, Unfortunately the only finance company I was approved for was Santander, But the interest rate was so high, but again I had no other choices but to take to the offer not knowing what will happened later. my payment was {$640.00} for 72 month. I mean that's totally not fair the amount was financed {$25000.00}. I mean if you cant offer me a fair deal at the begging why would you take advantage of people like me at the first place. I have been paying {$640.00} since XXXX of 2018 yet I still owe on the car {$20000.00} as of today. I feel like this company is a total scam company at this point they should have denied me.
Company Response:
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A loan with Santander USA is a closed account, but it is still reporting months late, reporting it is a open account. It's a collection account, still showing pass due amount. Showing current dates that the account is active, but has been in collections for year 's. Contacted company and nothing happened. This should be removed from my reports
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chrysler Capitol ( Santander XXXX ) reported late payments on two different bureaus ( XXXX ) for XX/XX/, & ( XXXX ) for XXXX of XXXX. All payments were paid BEFORE the due date of the XXXX of each month, which was falsely and incorrectly recorded by Chrysler Capitol ( Santander XXXX ) I was billed two different invoices for XXXX in which my on time payment not recorded on one invoice and was given a bogus late assessment fee out of no where. Invoice for XXXX shows a on time payment for XX/XX/ but was reported as late on XXXX. I have proof of payments on time for both months in which I have attached for review.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Vehicle Loan with Santander Consumer was removed from credit report on XX/XX/XXXX after being repossessed and sold. The company had a lawsuit in which my loan qualified for removal in Florida for high interest rates above 26percent. After removal in XXXX of XXXX the loan reappeared on my credit report as a charge off and owing {$9200.00}. I have attempted to communicate with Santander on XX/XX/XXXX and XX/XX/XXXX about the lawsuit and about a payoff which was offered of XXXX dollars. The companies representative advised that the payoff was no longer an option and I would have to pay the entire XXXX in which the loan balance for the account is only XXXX XXXX, the representative advised that after repossession they have added additional interest fees and charges.
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: on XX/XX/XXXX I sent communication to XXXXXXXX XXXX XXXXXXXX requesting federal tax form 1099 OID to cover the eligible issues ( product of statues ) for vehicle financing XXXX XXXX XXXX vin # XXXX. the company has not responded as of XX/XX/XXXX.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature. I am a victim of identity thief and these are all the unauthorized items on my report once I noticed I got attacked in this horrible way. I am now requesting for the 4-5th time to get these items removed because its messing up my creditability and future relationships with creditors. I filed a police report that I sent to you, the other 2 credit bureaus and each creditor in the last 2 weeks. Please update me with the new credit report once my profile is update. Thank you!!! I would like them to take this off my credit report and do not try to put it back on my credit report.
Company Response:
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In my early XXXX 's I went to XXXX XXXX dealership at XXXX XXXX XXXX with {$5000.00} iton hand to buy a XXXX XXXX XXXX I had seen, orange manual transmission, great condition, and only {$8000.00}. I figured with a {$5000.00} down payment there would be no issue with my lack of credit history getting the remaining {$3000.00} financed. I was wrong. I was denied credit by XXXX XXXX and others, but somehow Santander NA, through it's subsidiary Chrysler Capital, was willing to give me a loan ... but only if I got a car FOUR TIMES as expensive. I was not given a chance to read the contract terms and made to believe that the gap insurance coverage was unimportant. I didn't know what gap insurance was. So when a few years later, I was in a not-at-fault accident that totalled the vehicle and XXXX refused to pay my claim due to a billing lapse of just one day, I was ruined. The repair shop agreed to take out a mechanic 's lien on the car so the lender would have to retrieve it since I was now destitute and apparently still like {$24000.00} in debt. They never did. So they legally no longer even owned the car after then, some point in XXXX or XXXX - the body shop did. But they still refused to forgive the loan or remove it from my credit. " I should have gotten the gap insurance coverage '' I was told. Years later, just last year I think, the then-attorney general, now US senator of my state XXXX XXXX agreed to a settlement with Santander for issuing ILLEGAL subprime loans like mine in the state of California and with other AGs in many other states. The financier did not make public their actual credit scoring metrics with which certain subprime loans were detirmined to be illegal, so neither the settlement administrator nor the Attorney General 's office were able to say if my loan was eligible for discharge and other relief, such as removal of adverse credit information from my files. I contacted Santander 's office of the ombudsman but was refused any support in English from that office, upon request. This was after countless failed attempts to resolve this with their subsidiary 's subsidiary Chrysler Capital by mail and phone. The data was actually supposed to be gone from my credit already before the attorney General settlement, but it had not been done and still hasn't. This ruined my life and cost me the opportunity of finishing college, and forget about attending the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as I had once dreamed - my late uncle spoke there as a guest XXXX occasionally so that was the closest I got. I now live on the streets in XXXX XXXX where the homeless agency is prohibited by ordinance from actually directly giving anybody housing, so there is basically no hope for me unless I move, which I can't afford to do because of my ruined credit. The effects of this loan default, illegal as it was, compounded across my other financial accounts and created a domino effect wherein the inability to access capital and lending resources created by Santander 's illegal adverse credit data furnishing made it gradually more and more impossible to meet my numerous other financial obligations. I directly attribute this loan as a primary trigger for the downward spiral my life took from the point of that accident forward, ultimately leading me to lose my mind and become hospitalized with suicidal psychosis in XXXX, after which which I was so depressed I could no longer work ( I have not yet been able to secure XXXX and SSI due to my homelessness and the total failure in local authorities to conduct effective case management outreach ) as well as leading to two separate suicide attempts and hospitalizations. The things I saw while homeless, and the constant danger on the streets of XXXX XXXX gave me XXXX and worsened my XXXX further - being invisible can do that too. I can point to about three then-not world-shaking events that I can directly attribute ny decline from an early high school graduate with a XXXX GPA, a girlfriend I wanted to marry, a full time job at a financial institution with stock options ( if I had been there just a bit longer ) one since absorbed by XXXX nonetheless, and a stable group of friends to lean on for support - to where I am now, a dingy hotel room in XXXX without working plumbing and a backed up toilet that I only get to enjoy for another 20 minutes before I am ushered back out onto the streets where there is nowhere to bathe and nowhere civilized to use the toilet, and crackheads run rampant stealing copper like it was still the awful XXXX XXXX era. I am XXXX, was born into an upper middle class family, and have an IQ of XXXX - not that the last bit means much of anything but that people did not expect me to end up here, and now that I am, everyone assumes that I got into drugs or something - that this is my fault, I should be able to pull myself up with my youthful energy. They don't know that youth is long dead, killed by the horrors of having open eyes and empathy on the streets of LA. So here I am, penniless and slowly XXXX on the streets of XXXX XXXX ; Where nobody cares and nobody offering help actually has anything to offer. I can't leave and I can't stay. All so some billionaire XXXX could have a few more sub-prime auto loans on his portfolio. And my country my city my county my state - all did nothing to protect me from it, never occuring to anyone that I may have had something terrific to give back to America if I had not been so abused and ignored by it the very moment I finally knew I needed help to present. {>= $1,000,000}
Company Response:
State: CA
Zip: 90262
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I fill out a credit application on XXXX & got approve. Once approve I realize XXXX was advertising down payment. I never once ask for a downpayment or ask to be advertise one. XXXX is advertising down payment which is against The Truth In Lending Act & Violation. Title 15 U.S. Code 1662 No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. ( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. Also asking for a down payment ( charge ) & monthly Charges is a Violation If The Truth In Lending Act & Title 15 U.S. Code 1605 a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the SUM OF ALL charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. Service for vehicle also included with finance charge Property damage and liability insurance include Pursuant To Title 15 U.S. Code 1605 ( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained. My income and capital/surplus is not a factor is this Consumer Credit Transaction. The Truth In Lending Act Does Not Define Income I also have my 4th amendment right Which states that I have the right to be secured and my security interests is my right to be secured! This Is My Credit Being Extending To Me In My Behalf. Im A Natural Person & Consumer With Rights Under The Truth In Lending Act Deny or Discriminate Against Me & My Rights will Be Against The Law Criminally & Civilly. Finance charges sum of all charges including insurance denied me that right is violation of Title 15 U.S.Code 1611 Criminal Liability For Willful And Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. My cash advance I will receive in return for finance charge will pay for the purchase of the vehicle. Im coming as the ORIGINAL CREDITOR NATURAL PERSON & CONSUMER CREDIT IS MY RIGHT NOT PRIVILEGE Violated my rights is consider Discrimination I am exercising my RIGHTS UNDER TITLE 15 CHAPTER 41 CONSUMER CREDIT PROTECTION Denied me my rights under chapter 41 is DISCRIMINATION Title 15 U.S. Code 1691a ( 3 ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter. 15 U.S. Code 1691e - Civil liability Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A