Date Received: 2022-09-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from 2021 during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year 2021 which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was XXXX late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: They ate asking for money they say was owed on a lease thar was returned and settled with a new lease with Chrysler Capital. I do NOT owe them money on the vehicle and I have explained that numerous times. I have an XXXX credit score and I am meticulous about debts. They call me multiple times a day and they are rude and I have had to block the calls from many different numbers. Now they are calling my XXXX XXXX XXXX multiple times and I have asked them not to. It is embarrassing and harassment to be called at my XXXX for personal debts that I don't even owe! Chrysler Capital is well known for harassing behavior of this type.
Company Response:
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX ( Original Creditor : XXXX SANTANDER CONSUMER USA INC ) has been fraudulently reporting on my personal credit. This account has been addressed with XXXX and Santander under the fraud they have committed against consumers. I have sent certified mail return receipt and still its reporting. This debt with Santander is FRAUD and they sold it to XXXX after they claimed it was resolved. I am so tired and frustrated from these antics. How do they get away with violating a consumer. Please help me!
Company Response:
State: TN
Zip: 37923
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Greetings, My name is XXXX XXXX. I am filing a complaint against Santandar Consumer USA. Account number : XXXX Santandar Consumer USA XXXX XXXX XXXX XXXX, Texas XXXX XXXX. I am one of many of Santandars predatory lending victims. I purchased a XXXX XXXX XXXX through XXXX in XXXX California. The amount financed was {$16000.00} an APR rate of 27.67 %. The total FINANCE charge was {$17000.00}. Total cost of vehicle {$33000.00} with monthly payments of {$470.00}. I have made payments totaling {$20000.00} as of today and only {$510.00} has went to the principal of the price of the vehicle. I have been paying on this vehicle for 5 years. From XX/XX/XXXX to now XXXX, and only {$510.00} has been applied to the purchase price. I am currently behind {$3200.00} and at risk of my vehicle being repossessed. I am currently being harassed for payment. My vehicle was 1st repossessed in XXXX, and gratefully I was gifted money to recover my vehicle. Since then, it has been a struggle to pay off this vehicle with a 79 month term with payments of {$470.00} a month. I was just made aware of Santandar 's lawsuit that settled a {$550.00} XXXXXXXX XXXX lawsuit for Predatory lending practices by, in my case states that : The consumer who qualifies for this relief, A ) Defaulted on loan but not repossessed and will be given forgiveness and car title if vehicle was purchased between XX/XX/XXXX thru XX/XX/XXXX. In my case, I purchased this vehicle XX/XX/XXXX. Vehicle was repossessed in XXXX. I recovered vehicle and continued to struggle to pay off this vehicle, I am currently in default and at risk of repossession. I am in the one of the 34 states included in this lawsuit, California. I have contacted Santandar once I learned of the Class Action Lawsuit against them that had accused them of violating Business Code XXXX by using Predatory lending practices, Credit Score Modeling knowing consumers will more likely default on the loan and never be able pay the vehicle off. I spoke with several customer service reps, managers and the legal department at Santandar., to find a resolution for my circumstances since I qualify based on the underlying complaint along with my circumstances, they refused to help and demanding past due payments or the risk of repossession. I am filing this complaint because I am a consumer and victim of this scandal. I qualify for forgiveness of the remaining balance due {$16000.00} and car title along with removing all negative and derogatory points off of the XXXX credit reporting bureau 's. Attatched is my contract for this loan with Santandar, my account number listed on all 3 bureau 's and the complaint and settlement information for Santandar Consumer USA. If there is any additional information needed, I can provide upon request. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Found several federal violations in my contract as well as a forged signature please see attached documents and exhibits.
Company Response:
State: PA
Zip: 19606
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have a lender that took advantage of me as a young man. They got into a high interest rate that compounded daily before I even understood what that meant to help a friend. They did so because the dealership convinced myself and my friend that I was able to be the primary and he would be able to refinance it without me without my help. Needless to say the coborrower is late on their payments and has been for the entirety of the loan leave they refuse to give it up the truck and last I heard santander sold the vehicle or sold the debt. When I heard about this I began looking into into if it was true and found out about a lawsuit with the XXXX towards them for predatory lending. When I brought this up the other chat system they changed it on my credit report from a from a charge-off bad debt back to showing a high balance. Which is inaccurate because they have also sent me a letter telling me that I could pay a portion of that and and settle. I recently spoke with a financial adviser who told me that that was not allowed and that because they have it on my report wrong they are forced to remove it. They also advise that I contact a lawyer as as the situation sounds like the lender trying to pull a fast one for anyone catches them. The lender in question is santander consumer USA who is in the middle of a multi state lawsuit for the same practices being done on me. I would like to know if there is anything I can do to get this off my credit report and get these people to leave me alone because they have harassed me for years despite me telling them over and over again that I do not possess the vehicle. They also make neglected to inform me of the lawsuit they are currently under and I believe they are trying to use the fact that they never had my contact info on there as a way of getting out of responsibility of that. As the coborrower chose to leave a address they have not lived at XXXX a number of years on the account. Meaning that any mail regarding the situation would have gone to that house, effectively guaranteeing I would have never heard about it. Though this did not stop them from harassing me relentlessly whether I was at work school or indisposed. There was a period of time last year or the year before where my phone went off every day. [ XXXX approx ]
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My XXXX ex-husband died unexpectedly on XX/XX/XXXX. He had used his savings & his current XXXX purchase his vehicle in XX/XX/XXXX. He had less than 1/3 of the total vehicle 's purchase amount on the auto in a loan w/ Chrysler Capital XXXX The principal balance on the loan was {$27000.00}. The only way we knew there was a remaining balance on the auto is when Chrysler called his phone in XX/XX/XXXX when he had missed his monthly payment and my daughter attempted to speak with them. They refused to speak w/ any of his family members regarding monthly payment amounts or what the payoff on the loan would be until they had received a copy of his death certificate... COVID had put a greater than 6-month delay on receipts of death certificates in our area. His daughter and I explained that & attempted to make arrangements for payments & /or for total loan payoff EVERY time ( XXXX through XXXX ) Chrysler Capital called to no avail. They continued to refuse to disclose any payment or payoff information to us until they received death certificate or estate appointment. We sent his death certificate immediately on receipt to the company via e-mail & fax on XX/XX/XXXX & then were told that we were responsible for late fees & past payments w/ interest up through current date but still would not disclose amounts. After they had obtained his death certificate and estate appointment, my daughter ( who is a college student ) called and she was rudely spoken to & bullied on the initial call on XX/XX/XXXX when she was attempting to make a payment and negotiate a payoff and was declined. On XX/XX/XXXX the second call the next week, when we did everything we could to just barely scrape up enough to cover the principal balance of {$27000.00} in good faith to pay the loan off, my daughter was rudely spoken to again so she requested a new representative to speak with. The representative refused her and proceeded to condescendingly explain loans to my daughter. After my daughter 's second request, my daughter was placed " on hold '' but the representative wasn't aware she came back on our call & was rudely talking about my daughter & was telling a co-worker that my daughter just wanted to pay " whatever she felt like paying '' ( with a tone insinuating that we had the money & just didn't want to pay on the loan ) & was saying she wouldn't transfer her. When the representative realized she had connected back to our call, she put her on hold, transferred the call & the new representative would only remove the accrued late fees from the date her father passed ( XX/XX/XXXX ). I have been on every single call made to Chrysler Capital with my daughter ( as I had attempted to speak with them and they refused me ) and heard EVERYTHING that was said to her. We were told we were still responsible for all interest/fees from the time he passed until the time they would actually speak to us ( 8 months in total ). We tried to find out how much he owed & would have made arrangements for payoff in XXXX when we found out about the loan but the company wouldn't even speak to us at that time through no fault of our own. It was Chrysler Capital 's policy which prevented us from obtaining payment and payoff information. They stated the outstanding balance to pay the loan off was {$28000.00}. This is {$850.00} that my XXXX daughter and I have to pay that could have been completely avoided had they let us pay the loan off in XXXX or they could have written off due to these unforeseen circumstances. The manner in which this company does business with regard to a XXXX XXXX 's death is repulsive, especially in sensitive circumstances such as this!
Company Response:
State: GA
Zip: 31404
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: On XX/XX/XXXX, I entered into a consumer credit transaction with Santander Consumer USA, in which I extended my credit to acquire a XXXX XXXX XXXX, identified by VIN : XXXX. The amount of the finance charge was stated as {$21000.00}, which 15 USC 1605 defines as the sum of all charges, yet I was also charged additional amounts evidenced by the " amount financed, total of payments, and total sale price '', within the sales contract. In addition to the above Truth in Lending Act violations, I was coerced into paying a {$1500.00} cash down payment in connection with this consumer credit transaction, and my finance charge did not include my insurance as it was supposed to pursuant to 15 USC 1605. Santander Cunsumer USA also failed to provide me the required disclosures as required by 15 USC 1601 & Regulation Z of the Code of Federal Regulations. Attached to this complaint you will find the 'Notice of Rescission ' letter that was mailed to Santander Consumer USA on XX/XX/XXXX, as well as three ( 3 ) exhibits labelled as 'Exhibit A, Exhibit B, and Exhibit C ', showing proof of these violations.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Company Response:
State: MI
Zip: 48375
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A