Date Received: 2022-07-26
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Creditor is attempting to collect on an alleged debt that has past the debt statute of libation for residents of NY which is three years. I have attempted to request validation as per USC 15 1692g and notice of expired debt was sent but this creditor refused to cooperate with any of my requests. This creditor continues to violate my rights as a consumer and needs to take responsibility for their actions.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am writing this response as an update to my previous complaint filed regarding a dealership inflating my income by providing false information to Santander which is a violation of fair lending as it related to the origination of my account. In Santander 's previous response, they provided me a copy of the application used to support the origination. On XX/XX/2018, the monthly income the dealership stated on the application was {$3700.00} per month. Please see attached for my paystub showcasing a YTD income of {$11000.00} which would be equivalent to roughly {$1600.00}. This proves that I was a victim of income fraud which placed me in a vehicle I was not able to afford. It is the responsibility of the finance company to ensure and validate by review of the proof of income. Their lack of verification of my paystubs resulted in this predatory lending. As of today, Santander has secured their collateral. I am asking again for the deficiency balance to be waived and the trade line deleted from all three credit reporting agencies. Thank you for this consideration.
Company Response:
State: CA
Zip: 92220
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: they are charging interest on my separate principal only check. and they are taking interest out of it. when i specifically said not an the check and a note.
Company Response:
State: MN
Zip: 55304
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2022 XXXX XXXX pulled my credit without my authorization to do it
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Santander consumer USA repossessed my vehicle in XXXX, once they had possession of the vehicle they removed the collection from my account in XXXX then placed the debt back on my account after, selling the account to another collection company by the name of XXXX XXXX. I have reached out to XXXX XXXX in which they have been very rude and aggressive with their words. I have also reached out to Santander Consumer in regards to their law suit ( which I have qualified ) they then gave me the run around and had me contact the direct line for the pay out the pay out line has then stated that I would need to contact Santander again to have them delete my collection and remove the debt. Santander has yet to remove the collection and have been giving me a run around stating they do not see me in their system. However, they have illegally sold the collection account to a collection agency in the middle of the law suit. I would like the collection completely removed from my credit and would like my credit repaired for having that collection on my account for so long. Santander had my interest rate at 28 % which has caused me to default. Santander has sent out letters in regards to the law suit but has not proceeded with what they have stated. I am not in debt over {$8000.00} and have been dealing with the stress of not being approved for anything because of the unprofessionalism of Santander Consumer.
Company Response:
State: FL
Zip: 34972
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XX/XX/XXXX I cosigned a vehicle for my son. My son did not have credit established so they required a cosigner. I was a homeowner with good credit. My son needed a vehicle for work, so we did not have any other options. The terms of the loan were predatory. We financed with Santander. The vehicle was a XXXX XXXX. The amount financed was {$27000.00} for a term of 84 months with monthly payments of {$670.00}. This puts the interest rate at 23.5 %. This was a usury rate. My son has had a constant struggle maintaining his monthly payments. He has been running 30 days late for nearly three years ( rolling 30 ). He has made multiple calls to the lender to work out a repayment or modification that could bring his account current so he would not be adding additional fees. Santander has been unwilling to help in any way. The slow payment has ruined his credit, as well as mine and disqualifies him from refinancing. His additional payments have been applied to his past due late charges, so he is never getting caught up. Last week we attempted to trade in the vehicle in an effort to get out from underneath this car payment and credit situation. My son has been paying on this vehicle for 76 of an 84 month term ( more than {$50000.00} ), and we discovered that he only has 28 % of the vehicle paid off. The numbers do not make any sense. If my son paid the remaining 9 payments he would have a balance of {$13000.00} remaining. The current balance on this vehicle is {$19000.00}. My son is unable to trade in the vehicle as the value is 25 % of the balance due after paying on this vehicle for more than 6 years. Even if the full term of payments were made, he would owe more than double of the value of the vehicle, this makes no sense whatsoever. This situation does not make any sense and I do not understand how this is legal. My credit has taken an enormous hit due to this situation, and with the fees that have been added I can not see a way that we can remedy this situation. Santander has clearly taken advantage of its consumers that are unaware of how they work and what they are charging. They are making it impossible to remedy an already bad loan by adding additional usury costs and fees that trap the buyer in a bad loan.
Company Response:
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Santander did not try to communicate with me about non payment. No statements by mail to my address, advising of late payment. I was given no opportunity to take responsibility and pay. Vehicle was surrendered by arrangements only between owner XXXX without my prior knowledge. Santander only communicated with XXXX to their phone and address. Santander pushed dealership to get XXXX a co signer to release vehicle knowing he couldnt handle high payments at a high interest rate. Santander had an obligation to notify me of any non payments or arrangements.
Company Response:
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XXXX XXXX spoke with representative that say my car wont get repo XXXX XXXX was wrongfully repo XXXX XXXXreinstated my car XX/XX/XXXX, XXXX sold my car paid off auto loan
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I bought a XXXX XXXX XXXX XXXX Santander USA in XX/XX/XXXX. I fell on hard times during COVID back in XXXX and fell behind on payments as a result. The car was repossessed in XXXX of XXXX because I was behind on payments. My payments were {$330.00} per month. However, I was able to borrow {$4000.00} from my parents to pay the entire balance owed plus the repossession fee which came out to be {$4000.00} a day or so after my car was repossessed. Shortly after getting my car back I was hired at another company and I have been making my payments on time every single month ever since. Fast forward to XX/XX/XXXX when I finally made my last car payment and the car is officially paid off. I logged onto my credit report because my score didn't look accurate. It is showing that I don't have a current car loan -- and that my car was charged off last year after I had gotten it back and had been making regular payments. It is showing up as a charge-off and has reported it as a charge-off as recent as XX/XX/XXXX ; which is greatly hurting my credit score. I called Santander USA on XX/XX/XXXX and the customer service agent from the XXXX Team informed me that it is against " company policy '' to correct charge-offs once it has been issued -- XXXXeven if the consumer regained the vehicle and has paid the car off. I told her that that was an illegal and unfair business practice to report inaccurate information such as a car being charged-off when it fact the consumer has paid the vehicle off. I told her that I wanted to file a complaint and she informed me that she has logged my comments and concerns on my profile. She issued me an official letter from Santander stating that I have paid the car off in full -- which I have attached below.
Company Response:
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Since XX/XX/2021 I have submitted over 3 disputes with XXXXXXXX & Santander Consumer, USA for an account that has been reporting on my credit after it was included in a settlement for Predatory Practices. On each dispute, I provided supporting documentation and they still refuse to remove it and only stamp it correct/verified by only updating the status, in any of these disputes I never received not on correspondence from the companies listed in this complaint. Per the FCR/FDCPA a notice of dispute is to be placed on any account disputed within 31 days XXXX & Santander Consumer , USA violated these Federal Laws. Not only are they failing to respond to my dispute, but they have also failed to record this account as being disputed and it has been over 60 days. That in itself is grounds for removal but I also have included all of the documentation showing this specific account met all requirements as a result of the settlement reached due to Santander 's negligence in practicing. I am requesting the immediate removal of this account due to the violations stated above.
Company Response:
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A