Date Received: 2022-06-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Bought XXXX cars ( XXXX XXXX XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX ) both were reported on tax ( 1099B ) as a result the bank that financed me rescinded both accounts in my perception is a result of my reporting both car contracts to the treasury. There is now the dealership parental company attempting to recontract my to pay. I will pay until I find resolved, the only problem that I have is that XXXX Over ran my credit and gave access to other bank without my permission, 3 month after the final sale of the second car I found inquires up until XX/XX/XXXX XXXX which I had no knowledge of until credit was drastically reporting, this is fraud! One of the vehicle was faulty and failed to stop hence deemed totaled by my insurance carrier. As a result now Santander wants the pay out, but they abandoned the contract I have proof, I never received payment coupon or receipt from Santander, I never sent them one payment. I have Santander payment receipts of my phone and via statements by mail for the second car ( XXXX XXXX XXXX ) The also never reported the XXXX ( XXXX car ) but did report the second one until XX/XX/XXXX ( When they rescinded the XXXX Cars contract ) now there is XXXX loans on the credit report
Company Response:
State: CA
Zip: 92585
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've tried to dispute with the car company Santander and they refuse to delete the BLATANT incorrect information on my credit report. My report is supposed to be 100 % accurate and it's obviously not. Santander is reporting incorrect and mismatching data for all 3 credit agencies ( XXXX, XXXX, XXXX ). I've disputed multiple times with the agencies and with Santander and they and nothing has been done. Every time they come back as " VERIFIED ''. How can it be verified with all of the agencies and they have different data on each one?!?!?
Company Response:
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
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: This account has been closed and paid off and is still reporting to XXXX, XXXX and XXXX negatively. All three bureaus are reporting different information and remarks. This account has a {$0.00} balance and should be removed from all 3 bureaus. Ive tried disputing this several times and nothing has been resolved and it is still reporting on my credit negatively costing me XXXX of dollars and opportunities. I would like for this account to be removed from my credit report as it has a {$0.00} balance.
Company Response:
State: OH
Zip: 44102
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This creditor sold the vehicle, which left me with an outstanding balance. A few weeks later I received a letter stating that I owe nothing towards this account. My new amount is {$0.00}.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: SANTANDER CONSUMER AT XXXX XXXX XXXX XXXX XXXX , TX XXXX. HAD BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT XXXX. THE COLLECTION HAS BEEN REPORTER AS PASTED DUE BALANCE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTACT WITH MY SIGNATURE
Company Response:
State: NY
Zip: 11233
Submitted Via: Web
Date Sent: 2022-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX trying to collect a debt that was charged off due Original Creditor Santander got the vehicle in its possession and sold the vehicle. The debt is no longer owed. Balance {$0.00} ; account status-closed; SANTANDER CONSUMER USA XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % of this account is paid off Balance on XX/XX/XXXX {$0.00} Account info Account number XXXX Account statusClosed Date opened XX/XX/XXXX Account type Auto Loan Status Charge-off
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed dispute with this company various times and all they have done was move late payment around I had one late payment there was an agreement to push the payment to the back of the loan due a hardship and they reported my account late. The lates are inconsistent on my credit reports. Each time I contacted them they said its nothing they could do. This lender is so bad Chrysler Capital/Santander they had a lawsuit against them having predatory lending to people who could barely afford the cars that were financed.
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
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 Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
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: In XXXX of last year, the Santander bank accepted a loan for me to take out an XXXX XXXX XXXX car with XXXX, due to the high fees. I spoke with my bank, XXXX XXXX XXXX, and they approved the refinancing. To date, the installments were up to date, on XX/XX/XXXX they sent me the pay off of the total car debt, immediately send this to the XXXX XXXX XXXX. and XXXX XXXX XXXX paid XXXX Santander the value that Santander had sent in the Payoff. Last week I received a bill for almost {$1400.00} dollars after two months of having settled the car debt with XXXX Santander, I called XXXX Santander because that bill had arrived. For which the loan had already been closed with them, they only replied that the entire debt was not paid, I called my XXXX XXXX XXXX and told them about the situation with the Santander bank, then they told me that it was not Bank 's fault of America, because they paid the payoff that the Santander bank sent me to pay them. To this day I don't understand why two months later they send me an invoice for {$1400.00} dollars and I'm out of work, and Santander calls me all the time to charge me if not, they report me for damaging my credit.
Company Response:
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had a loan for a XXXX XXXX and the loan payments were set up on auto pay from my checking account. We received a call from the bank today and we were told the account was past due. Upon further investigation, the bank never drafted the last payment which was less than the monthly payment during the loan duration. Automated payments should not be stopped just because it is the final payment ; bank 's can draft payments as long as they are not more than the regular payment. The bank charged additional fees for being late. The representative who took our call transferred us into the automated payment line where we made the last payment of {$300.00} to pay the loan in full. There are multiple problems here as the automated phone service indicated our current payment is {$660.00}, although the associate gave us the amount listed above ( {$300.00} ) to pay in full. I logged in online to see what the difference was and I have a screenshot of the online payment portal to show this. The system is adding what had been my standard monthly payment amount to the amount of my last payment giving the larger amount, even though no more monthly payments are due. If I had just paid the amount given by the phone 's automated system and online, we would then be overpaying the loan, and undoubtedly waiting to get our money back. What's more concerning is charging the interest and fees that could go uncontested and ultimately are erroneous. The bank 's systems are creating an unfair and deceptive practice in that ( 1 ) the phone system and online system show a balance which includes an extra monthly payment which is not due, ( 2 ) the bank did not take out our last automated payment and did not inform us that it was not taken out, ( 3 ) the bank added additional fees which would not have been incurred if the last payment had been taken out, and ( 4 ) the car title has not been timely sent to us because of these issues which is causing difficulties in trading in the car.
Company Response:
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A