Date Received: 2022-04-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander Consumer USA has continuously incorrectly reported my account as being 30+ days past due. I disputed this information with XXXX and had numerous 30+ day late items removed. However, several of them still remain. This misinformation has ruined my credit score and cost me the opportunity to refinance my car loan for a better interest rate, buy a home, and take advantage of the otherwise good credit that I had. The deceptive practices used by this company has cost me thousands of dollars. To date, they are reporting that I was 30 days late making a payment for the months of XXXX XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, & XXXX XXXX. My Due date for these months is the XXXX of each month. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 23 days past my due date. I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date. For the XX/XX/XXXX payment, I paid XXXX 's payment in XXXX ( I made 3 payments that month ) and XXXX 's payment in XXXX and informed them that that is what I was doing, and they still listed me as 30 days late. I made the XXXX XXXX payment on XX/XX/XXXX, which is 26 days past my due date, and I made the XX/XX/XXXX payment on XX/XX/XXXX, which was 21 days past my due date.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
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 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 and Purpose
Company Response:
State: TX
Zip: 76053
Submitted Via: Web
Date Sent: 2022-04-30
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: In accordance with the fair credit reporting act XXXX XXXX account # XXXX 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 not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I have sent Santander Consumer USA a letter disputing things on my transaction with them. They have taken my car im a single father with XXXX XXXX and has put extreme adversity my life in hardship. I am an XXXX XXXX for XXXX XXXX and work hard to keep peoples lights on an it has made it hard to get to work on a daily basis an i know they have violated my right.
Company Response:
State: MN
Zip: 55104
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Consumer credit sales 15 u.s Code 1695 a XXXX XXXX Paid XXXX down payment XXXX XXXX Tennessee Santander consumer
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: SANTANDER IS VIOLATING MY PRIVACY WITH INQUIRY.
Company Response:
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: 15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
Company Response:
State: NJ
Zip: 08094
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I had to put down {$5000.00} down and I believe it wasnt added to the loan
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I have held account number XXXX with Chrysler Capital since XX/XX/XXXX on account of the lease of a XXXX RAM XXXX bearing VIN XXXX. On XX/XX/XXXX, I tried to obtain the " Dealer Payoff '' from Chrysler Capital since I was in the process of selling the aforementioned vehicle. However, after repeated contacts with members of their team, I was denied the request and no logical explanation was offered. I sold the vehicle on the same day ( XX/XX/XXXX ) to XXXX located in XXXX, NY and they used the " Customer Payoff '' information provided by Chrysler Capital to determine the payment amount. It is my understanding that XXXX has paid the entire sum of {$23000.00} from the " Customer Payoff '' statement, including the tax amount of {$1800.00}. It is my understanding that XXXX can not be charged any taxes because they're a car dealer. Also, since Chrysler Capital has not sold the vehicle to me, they can not charge me the taxes. Accordingly, I need Chrysler Capital to refund me the {$1800.00} that shows on the " Customer Payoff '' statement. I sent a letter to Chrysler Capital by mail on XX/XX/XXXX requesting attention to the matter. Happy to provide any additional information.
Company Response:
State: NY
Zip: 14072
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX, Consumer, dated on XX/XX/2022, am demanding Santander Consumer USA Inc, to send I, XXXX XXXX, a Payoff Quote of the current balance on my Santander account. Please send this information via Consumer Financial Protection Bureau, and as well a copy via Postal Mail. Pursuant to 15USC 1681n ( a ) ( A ) ( B ) for any noncompliance whatsoever fines will be applied. Thank you. Best regards!
Company Response:
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A