Date Received: 2021-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On ( XX/XX/2019 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. Due to ( DEBT AND DEBT COLLECTOR XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not familiar with this account. I have contacted Chrysler Capital concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Chrysler Capital has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off the car to the original company that is called Gateway One Lending. I paid if off in XX/XX/2017. We sent a check for {$7800.00} XXXX, XXXX 2017. That check was sent by another financer who had financed the car. After, we got a letter from Gateway on XX/XX/2017 that says that the car is paid in Full and the title was sent and the loan was closed. After 2017 Santander Consumer USA sent me a charge for the car and I sent the proof that I did not owe and Santander still did not want to take the account off my credit report, saying that I was missing payments.
Company Response:
State: TX
Zip: 78201
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This was in deferment and could not have incurred slow pays. Investigate thoroughly and please update for 100 % accuracy.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Company reported late payments during XXXX at the beginning of the pandemic even when they offered support to relieve payments during the months they counted as late. The company reported that my payments were late in XXXX, XXXX, XXXX and XXXX of XXXX ; all of which were supposed to be covid by their covid relief. I wrote a letter to the Chrysler capitol on XX/XX/XXXX. I have not received a response.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
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: Re : Account # XXXX Re : XXXX To Whom this may concern : This letter is in reference to the account # XXXX that I purchased/financed with your company Santander Consumer USA Inc. On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX , car dealership. My Fico score pulled from XXXX was XXXX at the time of origination. The interest rate you extended to repay the loan was 26.44 %. In this purchase transaction, I traded in my XXXX XXXX XXXX with equity. The XXXX had XXXX miles and had a small title loan balance of {$3700.00}. I made total down payment of {$1100.00} toward this loan. I received a letter from Santander saying that Santander Consumer USA pulled my credit and did determine that I did not have the ability to repay this loan. Santander presented the contract for 72 months. My first payment of {$590.00} came due XX/XX/XXXX. My first payment error was XX/XX/XXXX. I was charged NSF fee and never received credit to my loan balance. Ever future payment was either not applied or when it was applied did not pay principal. The loan balance remained the same for 18 months and for 10 months even while receiving payments. The loan term changed from original 72 to 77 months. Santander knew or should have known that you were offering a subprime loan with simple interest and terms like this loan would likely default and cause injury to me and similar consumers with credit like me. Santander charged a monthly fee of {$10.00} to make payments. I was charged me 28 late fees. Santander added 4 additional months to the back of my contract for 2 extensions that I did not even need and an additional month for a payment date change. Santander did not advise the interest would be accruing during this extension nor did they explain the payments were still due immediately. Santander Consumer USA received over 43 payments totaling $ XXXX. On XX/XX/XXXX they sold my loan and also received additional amount of $ XXXX from XXXX XXXX XXXX for my XXXX XXXX XXXX XXXX XXXX. I made additional payments toward principal in 48 months to stop them from reporting me late and to pay the loan down faster. I received a principal reduction of only {$3800.00}. Unfortunately, Santander did not apply my payments in a manner that would not unnecessarily increase my payments, without clear justification and my credit reports are still suffering from this negative account. The serious delinquency is because of 10- 13 either 30 day and/or 60 day late payments you report inaccurately. Santander, your faulty billing system has caused errors. Your company reported that you did not receive a payment XX/XX/XXXX, stated that it was NSF. XXXX XXXX verified it was paid timely. I have never received credit for the payment. Santander did not apply my pre-payments even though there were no prepayment penalties with this loan. The principal balance {$19000.00} did not change for 18 months. I could not purchase a home because of what you report to the CRAs. The violations are 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) Santander Consumer USA has consented to the issuance of this Consent Order by the Bureau under 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565. SCUSA failed to promptly update and correct information furnished to CRAs ( credit reporting agencies ) that Santander determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) SCUSA furnished information to CRAs about severely delinquent accounts and charge offs but failed to furnish Dates of First Delinquency ( DOFDs ). In fact, I made18 payments from XX/XX/XXXX until XX/XX/XXXX, my loan balance remained unchanged. I disputed this over 8 times with Executive office managers of Santander Consumer USA. I have disputed the payment history with XXXX 15 times and With XXXX and XXXX XXXX 13 times. The date of first delinquency is still incorrect. This negative history reports since XXXX and continues until XX/XX/XXXX. Santander Consumer USA entered into consented order to a Multistate SettlemenXXXX XXXX of XXXX to correct affected consumers credit history and to repurchase and forgive my loan. Shortly after, I disputed XX/XX/XXXX with good cause because another consented order with the CFPB XX/XX/XXXX. I am entitled to monetary relief because my rights as a consumer have been violated. Santander was to repurchase my loan and remove damaging payment history with all credit reporting agencies. SCUSA is in violation of Regulation Z. And XXXX XXXX I am still paying for this car loan and owe more than {$10000.00}. Please accept my complaint and prayer for relief so that I can restore my life by getting on track. Finally, you may review along with some of the attached documents to support the inaccurate credit reports payment history and as violations under the unfair and deceptive practices. Santander Consumer USA has consented to the issuance of this Consent Order by the Bureau under 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have sent letters to dispute items on my consumer report to XXXX XXXX, AND XXXX, the investigation took well over 30 days
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Im a natural Person and consumer ACCORDING TO THE TRUTH IN LENDING ACT I did two consumer credit transaction with CHYSLER capital acting as the ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT I Credited this transaction with my credit card and signature when applied this information to the credit application ACCORDING TO THE TRUTH IN LENDING ACT I granted CHRYSLER CAPITAL CREDIT according to THE TRUTH IN LENDING ACT Should be no down title 15 usc 1605 says so TILA IM THE ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT Affidavit is attached
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: To whom it may concern, Santander is reporting misinformation on my credit report, The account is resolved but it comes up on the XXXX database when I am trying to purchase a vehicle. Attached is what I can see on my XXXX XXXX. As you know their have over six thousand complaints in your database with these types of discrepancies amongst other lawsuits and the like attached are supporting documents Thanks For your diligence in the matter
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I XXXX XXXX XXXX of XXXX Florida and Santander Consumer USA, agreed to a 72 months Auto Loan Agreement on XX/XX/XXXX. However, due to a very challenging divorce that was financially destructive, I missed some payments, and made Santander aware of my financial situation. During that time I was always in touch with Santander, keeping them abreast, and paid whatever, and whenever I could. Santander advised me that they would add the missed payments to the back end of the loan with out penalty. Not very long after, I eventually regained my financially strength and was able to continue making the agreed monthly amount, and sometimes a bit more. On XXXX of XXXX, I noticed that my original maturity date was in XX/XX/XXXX, so I reached out to Santander and requested an explanation as to why my balance amount was so high, around my maturity date in XX/XX/XXXX. There were no sensible explanation given, and my maturity date and amount kept on changing. The maturity date kept on moving each month from XXXX and finally stopped in XX/XX/XXXX, when Santander reached out to me, and tried to get me to extend the loan. Due to Covid-19 and lost of job and income, I was unable to pay the large amount of over XXXX XXXX dollars, which was the maturity date amount, and was very curious about why there was such large balance after 7 years of payments on a {$16000.00} agreement. Again I reached out to Santander for an explanation, but was threatened, and XXXX off the phone without any solid explanation. In XX/XX/XXXX I reached out to an accounting firm and they requested the original agreement, which I later acquired a copy from Santander, after several failed attempts. The accounting firm conduct a review of the agreement and concluded several illegal charges, and further advised me to seek legal council to dispute the alleged over charges. While working with a Law Firm, I then continued making my monthly payments until XXXX of this year XXXX when I paid off over XXXX XXXX dollars, which finally brought the balance to a XXXX balance. However, I noticed a major drop in my credit score, and later realized that Santander reported my payments late since XXXX of XXXX through to XX/XX/XXXX, and a charge off of over XXXX XXXX Dollar balance was also reported on my credit as well. Lastly, It was also reported on my credit that the loan agreement was an 84 months agreement, when in fact was a 72 months agreement. I know that I missed some payments during my divorce periods, and therefore is not disputing those late or missed payment, but based of the ( FCRA ), Santander violated my rights in negatively reporting false information on my credit files. Therefore, I am requesting an immediate removal, and an investigation regarding the legitimacy of the additional charges, as well of the term of the agreement. On top of all the errors made by Santander, I have also attached a copy of correspondence received from Santander followed by calls related to the attached letter in error.
Company Response:
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A