Date Received: 2021-08-14
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I almost finishing paying my car loan with an interest for 22.95 % and we got charge three different times miscellaneous fee. XX/XX/XXXX {$300.00} -- misc. fee {$25.00}. XX/XX/XXXX {$500.00} -- misc. fee {$160.00} and {$25.00}. When I contacted customer service they toll me is because I paid by phone in XXXX, XXXX and XXXX. I told them that i never pay by phone that I always pay online. The response was that they do not give the customer any fees back. It is very annoying to contact Santander, you never received any good response. They charge excessive interest!!!!!!!!!!!!!!
Company Response:
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2021-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: ATTN : Complaint Department CFO. contract is null and void due to fraud, deceptive unfair debt collection practices Pursuant to The Congress. During a consumer credit transaction with Santander Consumer USA, I signed a contract not knowing the damages and debt that I would be faced with it. I am going through a XXXX XXXX crisis and problems due to the unfair deceptive practices. I have sent in an affidavit of fact. I removed the cease and desist by giving consent for Santander to contact me about the matter. Their were no proper procedure taken and I still have a fraudulent loan and which I need this matter to be investigated. Santander has been in so many class action law suits for this same thing. I was never aware that I was signing an application with Santander. I was surrounded with a group of XXXX car salesmen pressuring me into taking the car that I didn't want. I expressed that several times that if I the amount of monthly payments were high I didn't want the vehicle. I was forced and bullied into the deal of purchasing the vehicle. The finance manager never gave me the opportunity to read the contracts thoroughly and expressing that he had to go and was rushing me and deliberately bribing me into speeding up the process. I never given a form of rescission nor Truth in Lending Pursuant to FDCPA & Truth in Lending. No one barely went over the contract. When I finally came to a realization I looked at the contract and as I read I noticed that the back of the contract shows that I have given security interest to Santander to XXXX. The day of the consumer credit transaction, I was confused pressured and frustrated. I have exercised my rights as a natural person and a consumer. This matter have seems to escalate without receiving the proper investigation. I have the right to a fair trial and if I am not dismissed from this loan due to the fact that I was forced into a consumer credit transaction with the XXXX car salesman bribing me that I could purchase the vehicle and come back a year later and switch up my vehicle those are unprofessional tactics. Along with the consumer credit transaction I filled out a deceptive form that was filled with words that I didn't comprehend and as I asked I was told don't worry about it just sign. I am allowing 5 calendar days for this matter to be resolved. If you look on the monthly payment {$510.00} the character amount is incorrect and I am not obligated to pay an alleged debt Pursuant to FDCPA. I was contacted by Santander through telegram, email, via mail, reading that I had an amount due where there is no where in The Congress law that says I have to pay an alleged debt. You have no right to send me any sort of mail with a letter to pay a bill. I am notifying you that I refuse to pay a an alleged debt that I am not obligated to pay and that's a fact Pursuant to FDCPA, FCRA. It is a violation Pursuant to FDCPA not to send me any mail with a companies logo listed. I have received more than 12 months worth of monthly bills which is in fact violations Pursuant to The Congress. Unfair debt collection practice trying to collect money for a loan that I created. Pursuant to 1933 banking ACT, banks aren't allowed to extend any financial products or money. I am the original creditor I extended the loan, and I am the only one which is the natural person that can create a debt. I was forced to provide my personal information into being defrauded into an unfair deceptive transaction. I would like to know who provided that loan? How were you able to come up with the finance charges? How were you able to come up with a loan? Did you use my trust account open end credit account to then act as if you provided a loan and I am in fact the original creditor? I would love some explanations. You acted as if you were the loan provider no way you're a debtor, crooked. I am invoking remedies and I am enforcing instructions. The loan is fraudulent and is null and void due to the violations of unfair debt collection practices, fraud, using deceptive forms. I will proceed onto a civil complaint and file a law suit in XXXX XXXX XXXX Federal Court.
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-08-13
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: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2021-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX credit report. XXXX XXXX Santander XXXX XXXX - XXXX applications on same day! XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX and XXXX credit report. XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chrysler Capital is reporting late notations for 2021. We have been going through some financial troubles for a while and Covid really sent us over the edge. We ended up getting really sick and have just been having a hard time getting back on our feet. I ask that Chrysler Capital please make a onetime good will adjustment and remove just the 2021 late notations.
Company Response:
State: UT
Zip: 84020
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
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: Paid vechicle off in full on XX/XX/2021, started calling Santander about 6 weeks after paying it off, was told title was sent out to us via XXXX XXXXXXXX, we never received the title, they said that they didn't include our apartment number so title was sent to motor vehicle, have been calling every few weeks, they connect us to the title department and everyone gives us a different story as to what is going on, talked to manager, XXXX and he was supposed to figure this out for us but still haven't received title and no one has called us back, we tried calling about 2 weeks ago and tried to speak to XXXX but was told I had to speak to someone in the title 's department, no one knows what is going on each time we call and can never get a answer, vechicle was paid off ahead of time and every effort we make to resolve this has not gotten us anywhere.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2021 I discovered an old account from Santander Consumer USA, reporting a charge off with balance owed in the amount of {$19000.00} I've contacted the Credit Bureaus and Santander multiple times to correct or remove this incorrect information from my credit reports. I've continued to review my credit reports and the Credit Bureaus have not acknowledge my complaint and Santander has been unresponsive to this matter.
Company Response:
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I traded my 2017 XXXX XXXX in, but Santander XXXX still posted the payment as showing negative on my credit. The dealership paid off the remaining balance on my behalf. I never missed a payment until I traded the vehicle in. They still placed the negative payment on my credit report. I need it removed.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: We have a vehicle loan with Chrysler capital. Over this loan we have paid each year over the amount. We requested a audit. They are not doing it or questions they have no answer but still {$2500.00} payoff amount. We are requesting investigation of this loan account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. E-mail is XXXX XXXX
Company Response:
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A