Date Received: 2021-08-28
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/2021 the lender received payoff from a new lender who I refinanced with. The amount sent by the new lender exceeded the actual payoff amount. On XX/XX/2021 I contacted the former lender about the funds overage and was told I would not receive the over payment until after XX/XX/2021 because they have a six week policy for refunding payoff overages. They stated they don't pay interest on those funds nor are they able to process the return of over payment funds any quicker.
Company Response:
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Took out a vehicle loan with Santander USA in XXXX. Consistent issues with the company including a wrongful repossession while the primary account holder was on active military duty and was gone for training. Company reported the account to credit bureaus as charged off/bad debt, even though we were still making payments. Company finally provided a notarized letter stating the account was paid in full in XX/XX/XXXX, but has not reported that information to credit bureaus.
Company Response:
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I, XXXX XXXX XXXX, am the natural person, filing this complaint. On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later I have not received a response yet. I am starting to believe that as a consumer, I am being taken advantage of and my disputes are being ignored. I never gave you authorization to add anything on there nor did I give any creditor authorization for you'll to add to my credit report and I want it removed now!! I WOULD LIKE TO SEE THE ORIGINAL APPLICATION NOT THE ORIGINAL CONTRACT, A FULL COMPLETE AUDIT TRAIL and if you CAN NOT PROVIDE ME WITH THIS, I WANT THOSE ACCOUNTS DELETED NOW!!! In Section 611 ( a ) it is plainly stated that a failure to investigate these items 30 days gives you a reason to immediately remove those items from my credit report it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I don't understand why the XXXX I have to keep going back and forth with you people because you keep doing some illegal and unlawful stuff to my accounts on my credit report. I, XXXX XXXX XXXX, the federal protected consumer have already sent in all of the identification needed for authorization but I will upload them again for CFPB purposes. My information was also impacted by the XXXX and XXXX data breach and may have got into the hands of the wrong person. When I spoke to XXXX on XX/XX/2021, The representative lied and said that my DL, SSC and utility bill was NOT in my file and when I spoke to his supervisor, the supervisor said it WAS ON FILE. This is the stress I have to deal with because I'm afraid of my identity being stolen again! Plus, Under Regulation V, CRAs only need sufficient identifying information to match you to your credit profile : Name, Address, DOB. So I'm not giving you my ID, SSC, bank statement to utility bill again that can be stolen from your database again.
Company Response:
State: VA
Zip: 23502
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Santander Consumer USA Issue : Santander has been reporting inaccuracies with regards to my Credit Report since XX/XX/XXXX. They have completed ( 2 ) unlawful repossessions which adversely affected my credit rating, and removed 141 points. In addition to this infraction, they have misreported late payments which again negatively affected my account spanning back to XXXX. I have repeatedly called and escalated this matter with little to no resolve. It took until XX/XX/XXXX for the repossessions to be removed from my credit file, only to not receive the points that were unlawfully taken. In addition to this, the company has been increasing my overall tradeline balance although sufficient payments were paid with no reasoning as to why. I have requested numerous audits to no avail. I was recently advised on XX/XX/XXXX that Santander was no longer reporting to my credit, citing that there was a " suppression '' due to an investigation. This again adversely affected my credit rating, causing it to go lower. They will not tell me who authorized the suppression of my account or how it can be resolved. In addition to this, I am not able to successfully audit my on files, as the company sporadically put DNC order on my account, restricting my access and not accurately reporting payments or attempted contacts made to resolve. I am in possession of numerous recorded calls where the company admits faults in all of these scenarios, as well as documented correspondence via email.
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have these items that does not belong to me and i want them to be removed. 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft SANTANDER BK Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I financed a car with santander on XXXX of 2019, I was up to date with my payments up until The COVID-19 Pandemic. Not only was i reported to the bureaus as late on my payments but also the vehicle was repossessed during The COVID-19 Pandemic and according to The CARES Act and The HEROES Act my rights are being violated
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My name is XXXX XXXX, I am who I say I am. First I want to start off by saying there is no such thing as a " loan '' so that is already false and misleading pursuant to 15 usc 1611. I have already reached out to Santander Consumer USA on several occasions and have proof in the attachments that I will provide. They already have received my cease and desist and have continued to violate it by not giving me the specified remedy within the cease and desist which I know that I am entitled to pursuant to 15 usc 1692c ( c ) ( 2 ) because I am the consumer, original creditor and the natural person pursuant to 15 usc 1692a ( 3 ). I have also sent them 2 separate affidavits of truth which they have ignored and not replied to. within the attachments you will see that Santander Consumer USA continuously and deliberately violate my federally protected consumer rights and currently owe me {$85000.00} usd for each of these individual actions against me pursuant to 15 usc 1692k. I have used exhibits ( which will be attached ) to show PROOF that they are deliberately violating my federally protected consumer rights and I am reaching out o the CFPB to help me receive the remedy that I am entitled to as a consumer.
Company Response:
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
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 purchased a new XXXX XXXX XXXX on XX/XX/2021 from a dealership in XXXX FL. After a long day and a long drive home, I did not fully review the documents, but did the next morning and realized they had added {$3600.00} in extended warranties and maintenance contracts to my loan without discussing them with me. This was quickly remedied with the dealership on XX/XX/2021, and Chrysler Captital where the car was financed, and they credited my account for that amount on XX/XX/2021. In the meantime, I refinanced the car with my bank at a lower APR with the payoff amount given to me by Chrysler Capital and they credited my account as paid in full on XX/XX/2021, still. They then, after the loan is paid in full, proceeded to withdraw a payment from my checking account on XX/XX/2021.Since then, I have been trying to get the refund of the extended warranty charges and the payment they withdrew from my account after the loan was paid in full. I called them on XX/XX/2021, inquiring when they were going to send my money that they were holding. They told me they needed to wait 30 days to make sure my bank didnt cancel the check that paid off the loan. I waited. On XX/XX/2021 I received a notification from my bank ( XXXX XXXX XXXX XXXX ) that they had received the title from Chyrsler Capital, so I knew they felt confident the check was going to bounce. I called them again, asking when I would get my refund ( s ). I was told the checks for the Payment was mailed on XX/XX/2021 and the check for {$3600.00} was mailed on XX/XX/2021. Again, I waited. Note, I have USPS Informed Delivery, so I get an email each morning with a picture of each piece of mail to be delivered that day. On XX/XX/2021 I received the {$400.00} for the payment withdrawn from my checking account. Though the check is dated XX/XX/2021, the envelope is dated XX/XX/2021. I called again and was transferred to XXXX in the Executive Branch. I requested that the other check be cancelled and a new one issued with tracking. She said they normally like to wait 30 days for mail to get from XXXX TX to XXXX XXXX FL. It only took 3 days ( including a Sunday ) for the other check to get here. I called XXXX XXXX, specifically the Executive Branch where XXXX had called me from and ask the status. I was told that the original check for {$3600.00} had been canceled and XXXX would call me with the tracking number for XXXX Tracking. I waited until XX/XX/2021 and called again. I was told it would take a few more days for them to cut the check, then write envelope. I spoke with XXXX and could not get anything more than a few more days. At this point, I dont believe a word they say. They have been holding onto MY money, accruing interest that they will keep and Im losing interest I could be making. It has been 68 ( SIXTY EIGHT ) days since my loan with Chrysler Capital has been paid in full. It has been 42 days since my bank ( XXXX ) received the title from Chrysler Capital. Im over their untruths. I want to know how long they are allowed to hold and earn interest on my money! Please.
Company Response:
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I never gave this company permission to run my credit.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company has directly violated Title 15 U.S.C. 1666d in the treatment of an account with a credit balance. This company has also neglected prior violations against the consumer as well as openly stating nonpayment of the alleged debt would result in the seizure of my property directly violating Title 15 U.S.C. 1692e ( 4 ). The company never validated the alleged debt under Title 15 U.S.C. 1692g. In addition the company is still in violation of all the laws sited on the invoice that was sent to them along with an affidavit of truth that was not rebutted point by point as required and stipulated in the communication. The contact through a indirect medium has yet to cease as ordered to do so via the previously sent cease and desist order now showing willful noncompliance with federal law. In response to notice received XX/XX/2021.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A