Date Received: 2022-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ive spoken to Santander many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. Santander was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.
Company Response:
State: FL
Zip: 34983
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On several occasions I requested that SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. SANTANDER CONSUMER USA has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to SANTANDER CONSUMER USA was XXXX of XXXX. However SANTANDER continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing SANTANDER CONSUMER USA, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the XXXXedit Reporting Agencies allowed SANTANDER CONSUMER USA to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Re-aged charge-off dates according tot the Credit Reporting XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX SANTANDER CONSUMER USA is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). Making a false and misleading representation in violation of 1692e ( 10 ). Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt. Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that SANTANDER CONSUMER USA is removed from all Credit Reporting Agencies immediately
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Santander Consumer USA , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To : The Office of Registered Agent for Santander Consumer USA , Inc.. From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and Santander Consumer USA inc are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and XXXX. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Its inquires I know nothing about someone said someone was trying to get cars and furniture under my name XXXX XX/XX/XXXX Santander consumer XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Initially my loan was with Santander Consumer USA. Beginning XX/XX/2019, my account was bought by XXXX XXXX XXXX XXXX. Issues misrepresenting my information : 1 ) Santander claims XXXX, XXXX, XXXX, and XXXX were late but these payments were made to XXXX XXXX XXXX XXXX. 2 ) Prior my dispute, Santander claimed other months and after disputing with XXXX completely changed the months I was late for. It does not makes sense to have 2 months paid and 2 months not in between when I was paying XXXX XXXX XXXX XXXX. I would kindly as to advise on this matter. **Attached is a document sent from XXXX XXXX to bring clarification to this issue. Thanks in advance!
Company Response:
State: FL
Zip: 33543
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I went to the dealership for a new car and I picked out a XXXX. They told me they would run my credit under XXXX lenders only. Days later I saw a million inquiries I didnt approve of. They lied to me.
Company Response:
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I opened an auto loan with Santander Consumer Inc. XXXX of XXXX. My first payment was XXXX of XXXX. My credit started reporting from that point, I made payments on time and in full. In XX/XX/XXXX, I joined the military. While in basic training, my mother was granted access to my account to make payments, she received a noticed that because I joined the military, I would receive a discount of {$100.00}. Taking my payments from {$350.00} to {$250.00}. Once I was out of basic training in XXXX of XXXX, I checked my credit report only to see that my account with Santander Consumer Inc. was no longer reporting and the account was taking off my report. I reached out to the company where I was informed the reason why was because of SCRA. I told the agent I was aware of SCRA however I didnt consent to this action. I was sent a waiver through the mail to sign, to agree for the continuance of the reporting from the company. Once the paper was signed I was told that it would take 60-90 days. I reached out to the agency in XX/XX/XXXX. I was told that the information wasnt received, a week later I was told that the information was received and that it was being sent up for a review and it would take 60-90 days for it to report. The account never reported, I called in XX/XX/XXXX & was told to contact the three major credit bureaus, the company stated the information was sent to them & that it would be up to them if they wanted to added the account back to my credit summary. I reached out to the credit bureaus and I was told that there wasnt any documentation sent to them in regards to this account. From XX/XX/XXXX until current of XX/XX/XXXX I have been back & forward with Santander Consumer Inc & The three major credit bureaus about my auto loan account being added back to my credit report and nothing has been done. I was informed by the credit bureaus that they dont added, modify, or delete accounts it is in fact the company. I have been attempting to get this problem fixed for over a year & nothing has been done.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the Fair Credit Reporting act XXXX with account Santander 's bank and dept of education / XXXX, has 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 a account without my written instructions
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2020 Santander Consumer USA was sued for misleading subprime loans in Sc I was award an amount and according to the settlement my loan associated with the lawsuit had to be removed from all credit bureaus, Santander has failed to remove the item off my credit report after serve attempts. Attorney XXXX XXXX will take over if this matter isn't fixed.
Company Response:
State: SC
Zip: 29646
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
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: On XX/XX/2022 I traded the truck I had financed off and canceled The extended warranty I had on it through XXXX XXXX XXXX ( a sister company of Chrysler Capital according to a representative through XXXX ). XXXX XXXX XXXX was instructed to issue the refund to me via check since the vehicle was being paid off by the dealership that I traded at they issued the payment to Chrysler Capital causing an overpayment on my account of almost {$1800.00} ( USD ). I have contacted yo get Chrysler Capital to get the funds released and was told I would have to wait 30-45 days for the payment to clear ( I was told by a rep for XXXX XXXX XXXX that they, Chrysler Capital should know if the funds are available since it is the same company ). I would like an immediate refund for the overpayment to happen.
Company Response:
State: WV
Zip: 259XX
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A