Date Received: 2022-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: During the Pandemic, i missed XXXX payments on my car loan due to health issues and income reduction from job. After situation got better, i satisfied my account as agreed with bank. During the time that i was late, i asked for an extension for payments which were approved but i was told those XXXX payments were going to be push back to the end of the contract. i was never told that the bank was going to report late payment on my credit report. i've been trying to get those late payments removed off my credit report since is hurting my when i applied for any type of line of credit. XXXX, i disputed with all XXXX bureaus. XXXX, XXXX, and XXXX. they all were not able to update my account to current since The bank reported as accurate. XXXX, i sent a goodwill letter to the bank but i got a negative response from their side. under The Heroes act, this account should be standing under good conditions with a 100 % payment on time status but its not.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Chrysler Capital initially reported this loan as a repossession although the loan was paid off in full by my car insurance. I disputed this and finally got them to remove the repossession since I was able to prove that insurance classified the vehicle as a total loss and paid the debt in full. Only to have Chrysler Capital update my credit report to show " late payments '' which is incorrect information. The creditor themselves are not able to provide concrete dates for these alleged late payments. Some show 30 days late while others state 60 days late. Additionally the dates ( months ) in which the late payments allegedly occurred are inconsistent across the 3 credit bureaus and overall incorrect.
Company Response:
State: TX
Zip: 77535
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XX/XX/XXXX I recently got a copy of my Consumer report and in my findings I found Numerous Inaccuracies being reported to the Consumer reporting agencies XXXX XXXX XXXX as well as these debt collectors Santander Consumer USA ( ACCOUNT # XXXX ) XXXX XXXX ( ACCOUNT # XXXX ) XX/XX/XXXX ( # XXXX ) XXXX XXXX ( # XXXX ) PA child support enforce ( ACCOUNT # XXXX )XX/XX/XXXX ( ACCOUNT # XXXX ) XXXX ( ACCOUNT # XXXX ) ( ACCOUNT # XXXX ) XX/XX/XXXXXXXX XXXX ( ACCOUNT # XXXX ) Each one of these accounts states : Account Status CLOSED_CHARGE_OFF or Payment after Charge Off Which are VIOLATING MY CONSUMER PROTECTION RIGHTS by reporting inaccurate/incorrect information of these debts they are reporting each debt to my consumer report as Closed and charge-off accounts which I found to be in clear violation of my consumer protection rights NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPAL IS NOTICE TO AGENT It States Under Federal Law:15 US CODE 1681 SXXXX2 RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH INACCURATE KNOWLEDGE OF ERRORS A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. DUTY : a moral or legal obligation ; a responsibilityACCURATE : correct in all details ; exactPROHIBITION : a law or regulation forbidding something As defined by The IRS Even if you didn't receive a form 1099-C you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition The IRS clearly says a canceled or charge off is income. the reporting of this account as a debt is inaccurate 15 USC 1681s-2 says you the debt collector are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information and I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate the lender must file from 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussedEarlier in chapter 1.the above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you filed the account as a canceled debt. Which they did not do which is also a violation of my consumer protection rights and also tax fraud. 15 us code 1681 s - 2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION1 ) PROHIBITION ( B ) REPORTING INFORMATION AFTER NOTICE AND CONFIRMATION OF ERRORS A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( I ) the person has been notified by the consumer, at the address specified by the person for such notices thats, that specify information is inaccurate ; and ( II ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. the information is, in fact, inaccurate.The continued reporting of this inaccurate information is a clear violation of the law15 USC 1681 s-2 of your responsibilities as a furnisher of information.You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to CURE and DELETE this Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT
Company Response:
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: CFPB THIS IS NOT A DUPLICATE : Santander Consumer USA Inc, over-stand me when I say this is my final order or you will be sued in Federal Court at the very second Santander dishonor this Order you will be sued for the maximum the Federal Court allow me to with prejudice!!!!!!!!!!!!!!!!!!!!!!!!! All persons mentioned can all be tied into XXXX A person convicted can face a fine of either {$250000.00} or double the amount of proceeds earned from illicit activity. The prison time can increase to up to a life sentence depending on the underlying crime that was committed. As I all documentation evidence of Santander, XXXX, XXXX XXXX activities the CEOs and CFOs of each company mentioned shall be held accountable.
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX I was a victim of Identity Theft. I have asked the company repeatedly to show me who opened up this loan in my name with refusal to do so. They have not given me the opportunity to validate this debt and refuse to show proof it was I who opened this loan.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Consumer incorrectly has on my credit reports for XXXX and XXXX a missed payment of a missed payment back in XX/XX/2020 which I want corrected to paid on time.
Company Response:
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
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: Today I received a resolution letter from Santander Consumer USA , Inc / Third Party Debt Collector stating that they " have completed their research of my concerns and they have a resolution ready for me '' and to give them a called at a specific number provided on the letter attached. After calling that number I spoke with four different agents with ID numbers provided : XXXX ID # XXXX, XXXX ID # XXXX, XXXX- ID XXXX XXXX, and XXXX- ID # XXXX. XXXX had very horrible consumer service, trying to talk over me with a loud voice using profane language. Never-the-less, XXXX was using profane language pursuant FDCPA by saying that I owed a " debt '' and " payment since not defined in the FDCPA. I asked XXXX if I could speak with her manager and she rudely said " I transfer you '' and my call got disconnected. To conclude, I have checked my login account Chrysler Capital and there is no " past due amount shown '' and my consumer credit report is showing that the Chrysler Capital account has charged off. I have not knowledge of what gives Chrysler Capital or especially Santander Consumer USA , Inc / Debt Collector the right to enforce a payment with no security interest. I have contact the secretary of state of missouri by submitting a certified Lien Search UCC11 to see if there was a UCC Lien on my name by any of these alleged " Lenders '' and the only Lien on the VIN number is held in my Trust. I'm confused on what these alleged third party lenders have to give them a right to enforce a payment from XXXX XXXX XXXX XXXX Chrysler Capital and Santander is in violation of the FDCPA, TILA, Consumer Credit Protection Act and etc for attempting to defraud me. The " retail installment contract/ Purchase Money Loan '' in regards to the truth in lending disclosure is defined as " A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. These billing errors may be assumed to be willfully intent on misleading and or deceiving the consumer of the character / amount of any debt ( 15 U.S.C, 1692e ). All debts obligations and securities are owed to the United States ( 18 U.S.C. 8 ). Furthermore, ( 15 U.S.C. 1602 ( y ) ) states " that payment was made when I used my credit card '' -As used in this section and section 1666f of this title, the term regular price means the tag or posted price charged for the property or service if a single price is tagged or posted, or the price charged for the property or service when payment is made by use of an open-end credit plan or a credit card if either ( 1 ) no price is tagged or posted, or ( 2 ) two prices are tagged or posted, one of which is charged when payment is made by use of an open-end credit plan or a credit card and the other when payment is made by use of cash, check, or similar means. For purposes of this definition, payment by check, draft, or other negotiable instrument which may result in the debiting of an open-end credit plan or a credit cardholders open-end account shall not be considered payment made by use of the plan or the account. ( 15 U.S.C. 1602 ( L ) ) which states - " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Furthermore, a consumer contract is not sufficient evidence of debt reference to case Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( Haw. XXXX ).
Company Response:
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To whom it may concern, I am writing to delete the following information in my file : SANTANDER XXXX It shows that this account was opened in 2017. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have attempted to contact the company with formal letter since XX/XX/2021 This company has a class action lawsuit on their in violation of UCC code. My vehicle was apart of this in which I did pay the vehicle off. This vehicle was paid in full and sold while I have a balance reporting to my credit file No proud of of any requested documentation has been sent to me. The account has been re aged which is non complaint.
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A