Date Received: 2022-08-02
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This Auto loan was issue with my similar personal information after investigating with Santander Consumer they were able to verify this account was not mind and deleted item from my credit report.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a call on XX/XX/XXXX at XXXX XXXX from a private number stating that he was a representative from XXXX XXXX XXXX XXXX XXXX He said he tried to deliver a summons to me last Friday to appear in court but was unsuccessful. He then said, " unfortunately the document is sealed, but you can call the lawyer in charge of this matter. '' He proceeded to give me the number to a law office which is XXXX. He also gave me a case reference XXXX. I asked was there anyway I can get a copy of the documents and he said to just call the number. When I called the number I was asked for the case reference number and put on hold and transferred several times. I was then put on the phone with a woman who never identified herself or the law office she was representing. She said this is concerning a car loan that was never paid with Santander Consumer USA. She said that the summons was for me to appear in court because I was being sued for a wage garnishment. She said the debt was over {$11000.00}. She said they tried to contact me in XXXX. The car loan I had with Santander is from XXXX, over 15 years ago. I gave her my address and told her to send me the information in the mail. When I contacted Santander they said the debt was around {$6000.00} and too old for them to pursue. After I got off the phone with them I called Santander USA and inquired about this and they had no knowledge. They said they have not tried to contact me since XXXX and the debt was sold from Santander and should no longer be on my credit report because it has been over 15 years. I want to report this because the lady was very abusive and argumentative. Also when calling the phone number the law office does not identify itself by name so I'm sure this is a scam. I just want to report it so other consumers can beware.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In accordance with the Fair Credit Reporting act SANTANDER CONSUMER USA Account : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on an auto account. I have attached an pay for deletion letter. That has been paid in full, but not honored.
Company Response:
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Santander Consumer is a debt collections Agencie that is illegally and inaccurately Reporting on my credit report i have disputed this account 2x with the reporting agencies and they have not investigated this matter properly and effetely this collection Agencie is reporting on my credit report without proper protocol I have not been notified of any debt with this company I do not have any contract with this company the account is closed and charged off this account has already had a tax break on the account with the original creditor this account is pass the statute of limitation to be appearing on my credit report I have taken legal action in this matter this account is in violation code 15 u.s.c. 1681 and Violation code 15 U.S.C 1692 this account has been reporting that it has a pass due amount and also reporting as a revolving account meaning the account is still active and that is false and misrepresentation I also have no validation of this debt with this company I am requesting this account be removed from my account immediately or me and my attorney with move forward in legal action for punitive Damages and Negligent actions
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've reached out to Santander Consumer USA and i tried to fix the issue and concerns i had on my consumer report. Santander Consumer USA never send me a 1099c to be able to file with my taxes as income and proceeded to continue to report Acct # XXXX This company violated me in so many ways it's not even funny. 15 US Code 1681 ( b ) Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. you have no permissible purpose by law to contact third parties with my private or personal information. 15 US Code 1681a speaks on a consumer right to privacy. Things that aren't supposed to be on a consumer report Information solely as to transaction or experiences between the consumer and the person making the report -Consumer- is an individual ( Me ) -Person- Any individual partnership, Corportation, government or governmental subdivision or agency, or other entity. Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. This company have continuously violated my right to privacy and said they can report anything they want. I've I didn't want to file the complaint because this a great company, but right is right and wrong is wrong and I'm not going to continue allowing this company to do me wrong. This problem has caused all kind of hardship in my life I'm already on XXXX XXXX XXXX XXXX XXXX ) and this have caused me so much damage when it comes to my health and my personal private information just get reported because they want to, I have rights. I asked this company for Validation of this account so I could make sure that what they are saying is reported correctly and i told the company that I didn't want a E-Oscar Verification and that its unlawful for them to use information submitted by the furnisher of the account. That they are supposed to conduct personal interviews with family, neighbors, and loved ones. Not the information submitted by the furnisher. It's against the law. According to 15 US Code 1681 ( n ) Civil liability of willful noncompliance I'm entitled to compensation XXXX dollars or greater per violation. I think with this company and a lot of companies need to be able to know and understand the law before they can just go into business and think they can break and violate people 's rights. I asked the company for an SSA-3288 to show me that i gave your company actual permission to report to my credit every month. If this company could show me a contract or an agreement that i signed that they are going to report to my consumer report every month. Because a contract supposed to be with the original creditor and signed by all parties involved.
Company Response:
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. SANTANDER XX/XX/2015
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Santander Consumer USA Auto loan in the Amount of {$12000.00} that part of the multimillion settlement. Auto loans from XX/XX/XXXX, XXXX XXXX Was supposed to settle by deleting loan balance off consumers credit report. Instead its reported as a charge off and sold to another company XXXX XXXX XXXX. When this account should no longer exist on my consumer report.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 14043
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you. SANTANDER XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: 1. I purchased a vehicle on XX/XX/2017, the lender was Santander 2. The loan terms are : {$17000.00} XXXX months 21.55 % APR XXXX. I have noticed my principle balance has failed to reduce to level that would allow for the loan to paid off at the end of XXXX months. 4. I have requested an amortization schedule from lender Santander several time but they fail to produce one. I was not given an amortization schedule when I singed the loan. 5. I have only been given a payment history that shows the principal payments are erratic and low, even as the payment shave progressed now into the XXXX year of the 6 year loan. I was never given any terms surrounding a balloon Thank you payment due at the end of 72 months. 6. I have been consistent with making my monthly payments on time XXXX. It appears there will be an enormous sum due ( several XXXX dollars ) at the end of XXXX months. I have paid off other vehicles before and have never encountered this type issue, uncooperative response from the lender, or potential predatory practice. 8. I am requesting for this to be investigated and remediated, with my principal balance to be adjusted accordingly
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A