Date Received: 2021-08-19
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I have attempted to resolve the matter since late XXXX early XXXX of 2021. I have received multiple threatening letters to take action including repossession and later told that I could disregard the letters. I have attempted to settle the matter by sending a letter with a check stating it would be for full satisfaction of the amount in late XXXX and it was accepted and cashed but still not settled.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Response to the letter about my previous complaint. SANTANDER said they approve my credit application ( id # XXXX ) on XX/XX/2021. SANTANDER is advertising down payment which is against the law Pursuant To 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 ) and. Monthly. Charges is a Violation Pursuant To 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. 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. I also have my 4th amendment right Which states that I have the right to be secured and that includes any security interests I have is my right to be secured! I use my credit card ( social security card ) Pursuant to Title 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Once the contract is indorse by my signature the contract becomes a instrument with value and consideration & fulfills/settles all obligations.
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
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: The company initially gave me a 72 month loan at $ XXXX monthly with my first payment due XX/XX/XXXX, I made my first payment in XXXX of XXXX, a month before the payment was do instead of posting the payment to the month it was do XX/XX/XXXX, they created a payment due for XX/XX/XXXX. Then throughout my loan I been given 5 extensions or payment deferments the company has posted payments to months that were deferred. In XXXX of XXXX I made 3 payments totaling {$2100.00} the company applied all those payments to interest and posted to deferred payments which now they are saying I have two 30 day lates for months XX/XX/XXXX and XX/XX/XXXX. I had several calls within the company explaining how the posting was incorrect walking step by step with the representative they final see it, I have also talked with a member of there leadership team who found the error on his own and assured me that he would have this corrected and credits issued for late fees and etc, he also said he would be sending it over to his ASU DEPARTMENT to correct my credit report well thats where the ball drops. No one within that department will take the time to review the payments and reach out to me or the member of leadership to ask questions. Attached you will find thr transaction history
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The original debt was sold by Santander to XXXX XXXX. After a settlement was reached with XXXX all tradelines and any account associated with XXXX was supposed to be removed from all of my reports. XXXX was removed and Santander failed to remove their name from my reports and is reporting false information to all three credit agencies. I have disputed this issue on several different occasions starting on XX/XX/2021.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
Company Response:
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Santander Consumer USA is continuing to break federal law and will not comply with the FDCPA and is still violating my federally protected consumer rights and have no repossessed my vehicle which is a consumer transaction. That is 100 % theft on the federal level. I purchased a car in XXXX under my using my strawman name which was created through contract legalese by the United States Corporation and my social security number which is owned by the United States Corporation. I have repeatedly expressed that I identify as a natural born persons and I am a non fictitious entity. Santander Consumer USA is in FACT a fictional institution and does not actually exist. As a result of this FACT, Santander Consumer USA can only deal with other legal fictional institutions and can not have any legal dealings with a MAN or WOMAN as they are not legal fictions. I have repeatedly asked and have been refused a sworn affidavit which Santander Consumer USA has acknowledged they received and is attached to this complaint. I have also asked to provide a validation of debt with detailed accounting information and verification of their claims with a signed invoice. I have a right to reject any contract unless it is shown to be lawful. The loan agreement did not provide a full disclosure of details. They have not provided a contract binding both parties that includes full disclosure ( I was not told I was creating the credit through my signature ), equal consideration ( Santander Consumer USA has brought nothing of value to the table and so have nothing to lose ), lawful terms and conditions ( Santander Consumer USAs terms and conditions were based on fraud ), and the signatures of both parties ( corporations can not sign because they have no RIGHT or MIND to contract since they are soulless legal fictions, and no third party can sign a contract on their behalf ). I have agreed to pay Santander Consumer USA provided that evidence can be produced which they have not provided in the 30 days required, so I take on the full assumption the alleged debt is fully discharged. It has not been been 4 months and I have not been provided any of those documents. I have received statements from Santander Consumer USA which I must politely reject as a form of invoice, and I have also received a copy of the application form which does not constitute a contract as it is only signed by one of the parties ( myself ). Under 15 U.S. Code 1602 ( I ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Santander Consumer USA became fraudulent when they furnish a deceptive form ( 15 U.S. Code 1692 ( c ) ) to create the false belief in the natural person that they owe an alleged debt when it was in fact a consumer transaction. Santander Consumer USA became a debt collector after I the original creditor creates a creditor by giving them my credit to extend back to me. Pursuant to 15 U.S. Code 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 U.S. Code 1681 is the same as it is under 15 U.S. Code 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer transaction below. A creditor refers only to a person. Only a natural born persons can extend credit, and I am the original creditor via UCC 1. Santander Consumer USA can not uphold GAAP ( Generally Accepted Accounting Principles ). Santander Consumer USA would not be able to provide or validate any money leaving their account to support their claims they have given me a loan. I extended my credit and they got a loan and they got a loan from the Federal Reserve in my name which is identity theft. I have a right to extend 15 USC 1602 ( g ), and rescind 15 USC 1635 credit. They should all be removed from My consumer report pursuant to 15 U.S. code 1681a ( 2 ) ( B ). Pursuant 15 U.S. Code 1681 ( B ) Permissible purposes of permission states that any consumer reporting agency may furnish a consumer report under the following circumstances AND NO OTHER - In response to the order of a court having jurisdiction to issue such order, or a subpoena issued in connection with proceedings before a federal grand jury - In accordance with the WRITTEN instructions of the consumer to whom it relates The term Identity theft is when someone uses your name, social security number, date of birth, or other identifying information without authority. This law states that as a consumer if I have not provided written permission/consent, theres no court order, and Santander Consumer USA is reporting anyways it is a violation. My next course of action is to file a complaint with XXXX XXXX Circuit courts for consumer violations and illegal debt collections practices. All supporting documents and exhibits are attached to the complaint. Please be advised that if my vehicle is sold at auction Santander Consumer USA will be held liable for the full amount of the vehicle, punitive damages, and any and all consumer violations that I have proven to be broken will stand in the eyes of the court of law. Please conduct yourself accordingly and resolve this issue before further legal action is required in which you will not be able to provide legal counsel to represent you in court and will effectively have no authority or jurisdiction in XXXX XXXX Circuit courts. THIS IS YOUR LAST AND FINAL WARNING. I am demanding the removal of any and all consumer reporting to all credit reporting AGENCIES since they are in FACT a medium and any consumer reporting should be conducted directly with the consumer upon consent. I am demanding the alleged balance be zeroed out, my vehicle returned, and my tile lien granted free or please provide a check to my mailing address for the full amount of the vehicle. Santander Consumer USA is only delaying the inevitable and must abide by FEDERAL LAW or face the highest form of prosecution. I am the only natural born persons in this relationship and I demand Santander Consumer USA identify me as such.
Company Response:
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Per Chrysler 's own communication, the account was charged off on XX/XX/2020. They have provided me no 1099 reporting whatsoever, thereby violating United States Tax Code. They are failing to report tax withheld on this transaction despite my repeated requests for proper reporting to the Internal Revenue Service. In addition to violating tax code, Chrysler continues to send out a repossession outfit harassing me and trespassing on my rights as a private civilian consumer. This is not ok when the matter should already be resolved in full with a XXXX balance.
Company Response:
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: We purchased a vehicle from XXXX XXXX XXXX, XXXX VA in XX/XX/XXXX, financing it thru Chrysler Capitol. In XX/XX/XXXX we refinanced it thru XXXX XXXX XXXX XXXX, and so the loan was paid off at that time with Chrysler. On XX/XX/XXXX, I accidentally, thru my bill pay feature at XXXX, sent {$450.00} payment to Chrysler Capitol. By that time, I had no account, owed them nothing. After realizing my mistake, I called their customer service number, and was told it could take 30 days to receive my money back. After 30 days I called and they said it could be 45 days, after that, 60 days. Then they said it was " under review, could be 90 days, the check would be mailed by Friday, and the check was in the mail, etc etc. '' I have called multiple times, always told a different story, passed around to managers and supervisors, and now we are at the point that when we call, we are put on hold and no one returns to the phone.My husband and I have talked to everyone that they will let us talk to at Chrysler Capitol, spend hours and hours on hold, being transfered to various people, and no one will help us. We have financed 2 vehicles with Chrysler Capitol were good customers, never late or defaulted on any payments, this was just a mistake on my part. Why would they not return that money? Please help us.
Company Response:
State: VA
Zip: 23061
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX through XX/XX/2019 numerous creditors pulled credit report without written consent.
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2021-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-14
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A