Date Received: 2022-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SANTANDER IS REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE. I SETTLED MY ACCOUNT IN FULL IN XXXX OF 2021. PLEASE SEE THE ATTACHED SATISFACTION LETTER. YET SANTANDER IS STILL REPORTING THE ORIGINAL BALANCE ON ALL 3 MAJOR CREDIT BUREAUS. PLEASE CORRECT THE ERRONEOUS INFORMATION. THE ACCOUNT SHOULD BE REPORTING AS SETTLED WITH A XXXX BALANCE
Company Response:
State: NY
Zip: XXXXX
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: 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 vehicle at a local dealership and financed the loan through Gateway One Finance and Lending. I paid off my loan a couple moths early in fact. GOLF subsequently went out of business, but never released the lien on my car. I can not obtain a duplicate title. I tried reaching out multiple times to Santander, the purchaser of GOLF 's loans, but they can not be bothered to include the necessary information so that the lien on my car would be released nor can they do this in a timely fashion. There are dozens of complaints on the XXXX XXXX XXXX website for the same situation. This situation needs to be rectified for me and for the dozens of others who have been impacted by the slovenly business practices of these XXXX entities, only XXXX of which is defunct. Thank you for your time and attention to this matter.
Company Response:
State: MD
Zip: 207XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I request to Take this company off my credit report I never authorize the company to put their information on my credit report I have already expressed that they take it off my credit.
Company Response:
State: OH
Zip: 45215
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/2022 I sent Chrysler Capital a Debt Validation letter ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ) and demanded to cease and desist all collection activity until the debt was validated. The notice gave them 30 days to validate the debt. Chrysler Capital failed to respond and validate the debt. I sent a 2nd letter on XX/XX/2022 to notice them of the fault with the opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ). Again, Chrysler Capital failed to respond and validate the debt. I sent a 3rd letter on XX/XX/2022 to notice them of the fault with opportunity to cure ( Certified Mail # XXXX Copy of RR attached herein as Exhibit A ). I demanded they stop calling my phone and only communicate with me in writing. I stated their constant daily phone calls are now considered harassment. Chrysler Capital finally responds on XX/XX/2022 ( 5 months after my initial debt validation letter ) with an attempt to validate the debt. They stated in their letter the following : we have placed all available phone numbers on the account as a Do Not Call, per your request, we will no longer contact you via phone. ( Copy of this letter attached herein as Exhibit B ) The focus of this complaint is : as of today, XX/XX/2022, Chrysler Capital has repeatedly violated me with phone call harassment virtually every day since XX/XX/2022. ( Screenshots of calls from Chrysler Capital attached herein. )
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
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 submitted a letter to the 3 Credit Bureaus dated XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. Please do your job and correct this account. XXXX XXXX Late Date XX/XX/XXXX
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account does not belong to me. I have been fighting this account for one year. I got a letter from them stating this account doesn't belong to me. I have had issues and when you call and talk to them no one knows what they are doing. I have supplied all documents and until this day there is no proof of any signatures or any contracts. They had blocked this off from my bureau now once again it's on my credit I have a letter from them date XX/XX/2022. How is this possible that I'm being harassed to pay a debt I'm not responsible for?? I will file a XXXX complaint this is costing me a lot and at this point no resolution
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. CHRYSLER CAPITAL XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Company Response:
State: CA
Zip: 92373
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Car was taken after XX/XX/2019 after paying monthly note and only having the car for 3 months, reached out to the company to find out where the car was taken to so i can recover vehicle or belongings i was giving the run around. After i was giving the information made an appointment for 24 hours later with the recovery place to recovery my personal belongings that i had in the car i get there they can not find the vehicle or my belongings. just to find out a couple days later that the car has been sold. it wasnt even 7 days before the car was sold. i wasnt even given time to recover the vehicle
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 3 Remaining Negative Accounts. Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : SANTANDER Account Number : XXXX
Company Response:
State: TN
Zip: 37072
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Santander consumer USA # XXXX XXXX. XXXXXXXX XXXX. XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX have violated my rights 15 US C 1681 section 602A States that I have the right to privacy. 15 US C 1681 section 604 a section until I saw XXXX consumer reporting agency cant furnish an account without my written instructions Not only do these accounts and I belong to me, but XXXX XXXX XXXX and XXXX are violating my rights, along with these other companies above. Above I plan on being involved with a multi XXXX dollar legal class action lawsuit because of this, it has caused me a lot of trauma and grief!
Company Response:
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A