Date Received: 2022-07-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: For more than two weeks, I have requested a copy of my instalment contract regarding the vehicle that was financed by XXXXantandier Consumer USA, but have not received any response even after numerous follow ups. I spoke with staff with the following agent IDs and yet, they kept tossing me back and forth. ID # XXXX ID # XXXX ID # XXXX
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-07
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I honestly no longer want to be in contract with bank. its predatory. they have charged off my car loan and continue to call me obsessively. I would like to get my title. I never received a copy of my title at all and when requested I was denied. here in XXXX we can not register the car without a title. I purchased the car in XXXX and never got a title at all. I can't register my car therefore ca n't drive it. it's been over a year now.
Company Response:
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
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 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 CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Company Response:
State: IN
Zip: 46236
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized Inquiries, reported to my credit report, XXXX and XXXX. Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CHRYSLER CAPITAL ran my credit without my consent. XXXX XXXX ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. XXXX XXXX continued my application when I didn't process it from my phone.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
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. SANTANDER XXXX XX/XX/2018 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 XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX COMPTROLLER OF CURRENCY XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Basic usury laws in California are in the State Constitution at Article 15. For consumer loans, the parties may contract for interest on a loan primarily for personal, family or household purposes at a rate not exceeding ten percent ( 10 % ) per year. Dealer-Loaner relationship involved 5-6 hours of wait time, alterations of information on car lease, auto repairer at XXXX XXXX XXXX lying about warranty when I attempted to fix mechanical issues that was covered under warranty. Repairer checked my vin in the system and told me that I had a XXXX mile warranty which he claimed was weird because customers at the XXXX XXXX XXXX normally have a XXXX mile warranty. In Santanders dispute response, their paperwork that included the auto gallery dealerships installment sale contract, which they believe is " accurate '' shows that I had a XXXX mile warranty available from the beginning. Paperwork also incorrectly states that I have a 60 month, XXXX mile warranty when XXXX only offers 10 year, XXXX mile warranty which they may alter on their website when they receive my complaint. Penalties An individual or organization found to have originated a usurious loan in California is subject to penalties including : payment to the borrower of triple the amount of interest collected in the year before the borrower brings suit. forfeiture to the borrower on all interest on the loan, even if the entire loan wasnt usurious. Credit Agencies denied altering disputed information about consumers Car Loan company " Santander Consumer USA '' after creditors were aware of Santanders predatory practices that created a lawsuit involving over 33 states going after Santander and their sub prime lending practices. Credit Agencies along with Car loan company violated Section 623 ( a ) ( 1 ) ( A ) of FCRA prohibits a furnisher from furnishing any information relating to a consumer to any CRA if it knows or has reasonable cause to believe that the information is inaccurate. Under the Fair Credit Reporting Act, furnishers who furnish information about consumers to consumer reporting agencies must : Provide complete and accurate information to the credit reporting agencies. Violation of The Fair Credit Reporting Act ( FCRA ) is a federal law that requires : Lenders, employers, insurance companies, and anyone using a consumer report to exercise fairness, confidentiality, and accuracy in preparing, submitting, using, and disclosing credit information. Santander Consumer USA and XXXX XXXX XXXX don't want to admit fault, but public court documents show the dishonest sales tactics involving waiting 5-6 hours to get approved for a car, multiple agents coming to us and looking worried, waiting for us to look drained and then tell them that they are almost done and then asking for more money to put down. In the span of five years, I've had daily calls from Santander claiming that I was behind before I ever even had any late payments. 40 min- 1 hour long phone calls while I get interrogated when I can't afford a XX/XX/XXXX monthly car loan when the car loaned to me was aXX/XX/XXXXXXXX XXXXXX/XX/XXXX that was a lemon. Within the first week I tried to take the car back to XX/XX/XXXX and they denied any returns. The brakes would sometimes not work, the car would randomly shut off, the car would burst forward when I would brake at a red light. The car also had a huge recall for the passenger airbag which is a huge safety issue in a sub-compact car with XX/XX/XXXX horsepower. Santander Consumer USA violated the FCRA, in which Santander told me in a dispute response, " We report account information to the 4 major credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ) ... however, reporting may differ between agencies. '' Santander Consumer USA admitted to being aware of inaccuracies but does not follow the FCRA, as Santander is responsible for giving the bureaus accurate information. Santander Consumer USA faced a 33 state lawsuit due to their notorious predatory lending. With the violation of " Article 15 : Usury laws '' in the California constitution, loaning me a car with an 18 % APR. Loans can not exceed 10 % per year in California. The final sales price was {$27000.00} for a {$13000.00} car!. Before having the car for a full five years, the XXXX XX/XX/XXXX transmission completely stopped working leaving me stranded on the road. Every automotive repair technician I talked to about my car situation while only having it for over 4 years pointed out that I was blatantly scammed and targeted by both XXXX XXXX XXXX and Santander Consumer USA, and there are plenty of lawsuits, complaints, and concerns that prove it. I paid over {$80.00} a month to get an oil change due to mechanical issues with the car 's oil components that was noticed within the first day of driving the car as the car leaked a lot of oil. Over {$2000.00} was spent alone just to replace the transmission of the car. Santander Consumer USA and XXXX XXXX XXXX 's response to my complaint will be the ultimate factor of deciding whether my loan will be forgiven and report a 100 % paid off balance like it should have been for the XX/XX/XXXX XXXX XXXXXX/XX/XXXX that's has little to no market value and priced at {$3000.00} when in excellent condition on sites like XXXX XXXX XXXX. Keep in mind my car was never in excellent condition and cost me around {$7000.00} in repairs over the lifetime of the car. This car should have never been charged off by any company that scammed me, harassed me by phone daily, and intimidated me and my son by using our vulnerability for a car as a tool against us. The high monthly payments, high APR, and constant repairs created a point of life within three months of owning this car, my son and I couldn't afford our living space and had to sleep in this car for weeks as we were XX/XX/XXXX because of Santander Consumer USA and XXXX XXXX XXXX wanting to profit and target people that were vulnerable. Do note that Santander Consumer USA 's dispute response specified reporting personal information to the four major credit bureaus. Santander states " We report account information to the 4 major credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX )... however, reporting may differ between agencies. '' Credit Agencies are obligated to update consumer information based on what the lending company reports every month. The lack of proper reporting to all four bureaus and the lack of a proper investigation which by law prohibits third party credit agency involvement due to an agencies non-personal credit reporting puts all crediting and loan companies at risk.
Company Response:
State: CA
Zip: 91752
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The Santander Customer account reporting to the credit bureau has inaccurate information. My credit is being effected by the inaccurate information that is being reported by the agency. According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification of the original signed consumer contract. Any and all accounts that you post on my credit. I demand to see verifiable proof In writing of this account. Under the FCRA unverifiable accounts must be removed. I am demanding that the account be verified or removed from my credit report. I have disputed this account previously and the agency has yet to provide documentation or remove the account from my credit bureau report. Under federal law you have 30 days to complete the re-investigation. I am asking that you provide documentation with 15 days of re-investigating. I am also requesting that all inquiries on my credit be removed from the agency.
Company Response:
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have monitored my car loan very carefully with Santander since the loan is a daily simple interest loan. Santander charged misc fees in which they agreed to waive since they could not explain where the fees came from, the waiver took place on XX/XX/XXXX {$60.00} and XX/XX/XXXX {$86.00}. The Santander website does not disclose where the fees came from or a recurring balance of fees if they are carried on the account. The consumer has no way of knowing what the accumulative balance of fees are. The consumer is reliant on what the Santander Customer Service Rep tells them. This is misleading and a failure to properly disclose information. The second issue is with a daily simple interest loan, I repeatedly called Santander to keep myself up to date on the status of my car loan. I started to pay my car loan in advance to get the payments applied for principal and interest. Starting XX/XX/XXXX the following payments were made : Car loan current XX/XX/XXXX {$490.00} current car payment for XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance- XX/XX/XXXX {$570.00} due date XX/XX/XXXX Car loan current paid in advance, XX/XX/XXXX {$490.00} due date XX/XX/XXXX Car loan current paid in advance XX/XX/XXXX {$490.00} due date XX/XX/XXXX The Santander website shows my due date as XX/XX/XXXX, this is yet another mistake by Santander, this company has no problem taking interest payments but yet they fail to apply payments properly when it benefits the consumer. I am sick and tired of contacting Santander about their faulty servicing system and how it fails to apply payments appropriately. MY DUE DATE SHOULD BY XX/XX/XXXX.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander Consumer USA was ordered to pay {$4.00} XXXX to the Consumer Financial Protection Bureau ( CFPB ) for violating the Fair Credit Reporting Act ( FCRA ), the CFPB said in a press release. According to the release, Santander allegedly knew that it provided incorrect consumer data to the three major credit reporting agencies ( CRAs ). Santander is an originator and servicer of non-prime auto loans and leases and provides credit information to CRAs via monthly data files, according to the CFPB release. Between XX/XX/XXXX and XX/XX/XXXX, the CFPB said it discovered numerous systemic errors that could have lowered consumers credit scores, such as the wrong date an account first became delinquent, according to a consent order. During that time frame, Santander reportedly sent incorrect information on millions of accounts to the CRAs. Aside from the {$4.00} XXXX civil penalty, the ruling requires that Santander must correct all inaccuracies and errors and implement measures to improve and ensure the accuracy of the consumer information it provides to CRAs, the release stated. The CFPB also alleged in the order that the internally inconsistent errors should have been readily apparent to Santander. The agency said the lender knew something was wrong as early as XX/XX/XXXX. The order indicated that Santander must submit a detailed compliance plan to the CFPB within 45 days. The shift to digital brought on by the pandemic has disrupted many industries, including the car buying and loan industries. XXXX XXXX research indicated that the number of customers doing credit applications online has soared, whether the car loan originates from a car dealer, bank or manufacturer. The research noted that roughly one-third of car buyers are now doing the loan process online, and XXXX percent said they prefer it that way. British banks including Santander, XXXX XXXX, XXXX and XXXX are reportedly planning internal investigations to ensure fairness in lending during the pandemic.
Company Response:
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A