Date Received: 2022-05-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Santander stated they were removing this debt from my credit report during their settlement
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
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 having trouble with accounts reporting untrue statements towards hundreds of accounts and NOT notifying clients of their own mistake. In XXXX of XXXX, already a year ago, my account was deleted, without my knowledge and my payments have not been sent to the credit bureau after finalizing all the payments to the loan I have had for the last 6 years. Unfortunately, in the beginning of this year, XXXX, the car I now own doesn't run anymore. So I was hopeful to buy a new one, until the dealership notified me that my loan to Santander Consumer USA doesn't exist. Such hard work & after asking for their help, they couldn't even expedite the assistance I need at Santander. The loan is paid off in full, and in the last 3 months, Santander has not done one thing to fix my issue. Sadly, it domino effected my life, with no credit, I needed to move out with my son a month later. The landlord sold the property I lived in to new folks who illegally raised the rent up $ XXXX more. With no credit or bad credit, you can't rent out an apartment. Santander has left us very limited to find a home and to get a new car. This is just another attempt to see if they can fix this issue, an issue I believe hundreds of others have.
Company Response:
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Acct. # XXXX has violated my rights. 15 U.S.C 1681 602 A. states that I have the rivht to privacy 15 U.S.C 1681 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: NC
Zip: 27253
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX of XXXX, I had a charged-off auto-loan from Santander Bank ( SANTANDER CONSUMER USA on my credit report ). Shortly after that, the vehicle was repossessed. Eventually, Santander sold the loan to a debt collection agency named XXXX XXXX XXXX XXXX which sued me in civil court through an attorney group known as XXXX, XXXX, XXXX, XXXX. I hired my own attorney who was able to reach a settlement with the creditor 's law firm. I paid this settlement amount in full. Earlier this week, I asked Santander to remove the negative account from my credit report, and they have not done so.
Company Response:
State: NY
Zip: 11374
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Date XX/XX/22 Amounts - XXXXXXXX XXXX XXXX XXXXXXXX debt cancelation agreement I was not informed about the XXXX apr Finance charge excessive XXXX My car trade in value should of been higher as well as deducted properly from my bill of sell. XXXX my car trade in value. They used a new method of deceit by vaguely going over my contract and having me signed electronic which gives me no indication that my signatures were for yes or no on optional items like the XXXX XXXX and debt cancelation.
Company Response:
State: CA
Zip: 924XX
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Santander Consumer 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 loan payment account under an open end consumer credit plan as late for and purposes
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX In accordance with the fair credit XXXX XXXX # 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 an account without my written instructions. 15 USC 1666B : A creditor may noga treat a payment on a credit card account under an open-end 157 consumer credit plan as late for and purpose.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC1681 Section 602 States I have the rights 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: MS
Zip: 39180
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX and SANTANDER are two auto loans that need to be removed from my credit report. I do not owe on these accounts. Santander was a part of a class action lawsuit that I was a participant of, and should have been removed from my credit report last year.
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: My car sales contract is fraudulent
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A