Date Received: 2022-04-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Following an investigation conducted by XXXX, on XX/XX/XXXX the amount I owed SANTANDER CONSUMER USA was {XXXX} and on XX/XX/XXXX SANTANDER CONSUMER USA changed this amount on my credit report to over $ XXXX. I reported this change to XXXX which resulted in SANTANDER CONSUMER USA repossessing my car on XX/XX/XXXX. My car was released to me on XX/XX/XXXX after I made a {XXXX} payment to SANTANDER CONSUMER USA. Since the release of my vehicle I have made several payments and I have submitted several disputes to XXXX. Despite these investigations resulting in my favor, SANTANDER CONSUMER USA will not change the reported information. On XX/XX/XXXX SANTANDER CONSUMER USA mailed me a letter with the intent to intimidate me from pursuing any further disputes in an effort to have the car seized from my possession. SANTANDER CONSUMER USA has a history of bad business practices and this information can be verified by consumer finance.gov https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: My car loan was paid in full on XXXX of this year, as off today I haven't received the copy of my retail contract marked paid, also have not received the tile for the car. Called the bank and they sent me a XXXX copy of the contract witch is wort nothing. i need the original contract signed and stamped paid in full also the tile for the car, as my obligation was paid in full by the terms of the contract.
Company Response:
State: MA
Zip: 01801
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My Loan with Santander Consumer USA was PAID IN FULL in XX/XX/XXXX. I just received my three consumer reports in XX/XX/XXXX and Santander Consumer USA has reported late payments to XXXX, XXXX and XXXX for the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX The account with Santander Consumer USA was PAID IN FULL in XX/XX/XXXX. And they reported the three late payments in XX/XX/XXXX. I contacted Santander Consumer USA and the representative told me that this is a billing error and that they would have it corrected and resolved to reflect on time payments for those XXXX months. This is now XX/XX/XXXX and they still have not updated my consumer reports. This has hugely impacted my credit rating. I have lost XXXX points because of this billing error. This has been very stressful for me to deal with these past XXXX months and Santander Consumer USA still has not corrected the billing errors.
Company Response:
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Gateway one lending still has very old report on my credit report and I and asking for it to be removed off my credit report account has been closed long time ago.
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2022-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: This communication will serve as our Notice of Right to Cancel dated XXXX XX/XX/2022. TILA ( Truth in Lending Act, 15 USC 1601 et seq ; 15 U.S. Code 1635 - Right of rescission as to certain transactions ; 12 CFR Part 226 ; 12 CFR 1026.23 Right of rescission reg. z ) allows three ( 3 ) years to review Disclosure Documents. Full disclosure was not given. Please see attached documentation for full and complete Notice of right to cancel. These notices have been sent via USPS XXXX XX/XX/2022 certified mail.
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: NC
Zip: 28613
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 usc 6802 ( A ) except as otherwise provided in this sub captor, a financial institution may not, directly or through any affiliate, this close to a non-affiliated third-party any non-public personal information, unless such financial institution provides or has provided to the consumer a notice that complies with in section 6803 of this title. My loan through my car is held through Santander Bank. Santander Bank has disclosed my information to data XXXX accounts such as XXXX, XXXX, XXXX XXXX. Without my consent. As stated in the law they are not able to disclose nonpublic personal information. They have reported this loan with negative late payments against my social security card and number which is non-public personal information to a non-affiliated third-party Data furnishers and credit bureaus are not an affiliate. An affiliate is the parent company and any other sister companies as an extension from that branch of the company. ( B ) Opt out- ( 1 ) a financial institution may not disclose nonpublic personal information to a non-affiliated third-party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, and writing or in electronic form or other form permitted by the regulations prescribed under Section 6804 of this title, that such information may be disclosed to such third-party ; ( I have never received any such documentation from Santander ) ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third-party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that non-disclosure option ( Santander Bank has not contacted me for any late payments or negative comments listed on my profile prior to posting them. They have also never disclosed any information about the ability to opt out of having such an information shared with data furnishers or the credit bureaus. *Aside from the USC code listed above Santander is also not in compliance with the way that they are disclosing their information to the credit bureaus/data furnishers . Example is listed in the pictures. * Santander has the account listed on my credit profile as a count number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account is non-compliant due to the fact that the laws say that the reporter can not disclose an account number with more than for redacted values in an alleged truncated account number. Mathematically, each lesser redacted value generates XXXX old likelihood be reported claim of this account is potentially related to unknown and or fraudulent events. This is because for redacted values have a possibility of being XXXX of XXXX possible variations ( XXXX ). Similarly, the 3- redacted truncation has potentially only XXXX variations ( XXXX ). Even more worrisome is the fact that two redacted truncation has potentially only XXXX variations. Scarily, if only one redacted truncation there is but XXXX mathematical variations possible and worst of all, if no redacted truncation or XXXX redacted account number is reported and potential identity theft perpetrator and or fraudsters would be essentially handed my exact account number lending obvious injury has abilities to said wrongdoers. Any such truncation that is deviant from the requisite of only and exactly for redacted values in all account truncations, certainly jeopardizes the Integrity of the reporting claim ( s ). Also other incorrect forward/ erroneous / improperly reported information is such as account type, number of months, credit limit, past due, payment status, date last active, date of last payment In fact, per XXXX written CRRG 3-4 States, " any deviation from the standards jeopardizes the Integrity of the data '' Point being unless the reported account number and all aspects of its reporting including each any and all data points has its information actually confirmed and documented to be it and only if, there can be no true certainty of a claims nor claimers absolute satisfying of the minimum requirements of lawful reporting much less that of the mentally utilized XXXX XXXX format compliance, therefore the report ability of any such claims reporter is and should be contested and challenged made for the XXXX to prove indisputable and certifiably compliant each any and all of the claims and each any and all aspects of said claims. It is obvious the unjust significant injuries nature of each any and all of these claims as report to my person, character, emotional well-being, and financial reputation let alone might otherwise fear credit worthiness, illegally so might I add
Company Response:
State: NY
Zip: 11784
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XXXX.2021, I didn't give XXXX XXXX XXXX permission to obtain my consumer credit report. 15 U.S.C 1681section 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 accoun t without my written instructions
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I consumer : XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance as the sum of all charges in a consumer credit transaction. The finance charge does not involve cash ( bank card payment of XXXX ), but XXXX XXXX XXXX took cash ( bank card payment of XXXX ). The finance charge is supposed to include insurance, but we were repeatedly asked for insurance information by XXXX XXXX and told to call to notify and give verification that insurance was placed on vehicle. So separate Auto insurance was purchased. XXXX XXXX XXXX violated The Truth in Lending Act aka Regulation Z by attempting to decieve Consumers ( : XXXX and : XXXX ) into thinking they are debtors in opposition to 15 usc 1602 . During consumer credit transaction Adverse Actions were taken against consumers by Santander Consumer USA and XXXX XXXX XXXX ; threatening to not complete consumer credit transaction if consumers/creditors insisted on exercising his rights by signing WITHOUT PREJUDICE ALL RIGHTS RESERVED UCC XXXX ny XXXX XXXX of XXXX XXXX XXXX XXXX This action was prejudicial and in violation of 18 usc 241, 242 conspiracy against rights. During Consumer Credit Transaction it was demonstrated through verifiable State Department signed documents of entitlement to Full Faith and Credit, XXXX XXXX XXXX and Santander persisted on requesting social security number contrary to 15 usc 1681. During the consumer credit transaction not one time was the Right to Rescind within 72 hours given. The disclosure on how to Rescind the XXXX XXXX XXXX and how to fill out the forms were not reviewed by competent sales personnel in violation of 15 usc 1635. XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX along with their Co-conspirator Santander Consumer USA located at XXXX XXXX XXXX XXXX TX XXXX did conspire to deprive Consumers/Creditors : XXXX and : XXXX XXXX entitled to full faith and credit their rights in violation of 42 usc 1983.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I owned this car for 3 months and totaled it in an accident. My insurance company handled the payoff and title was transferred to the insurance company and out of my name XX/XX/XXXX. XXXX signed off on this. ( Doesn't that mean my account was paid in full? ) According to my credit report they claim my account was in good standing in XXXX of XXXX, the car was not even in my name in XXXX of XXXX ... .Fast forward to XXXX of XXXX they have it marked as a charge-off. Chrysler Capital now claims that I owe {$1900.00}. I RECEIVED NO NOTIFICATION OF THIS " DEBT ''. EVER! I found it on my report in XXXX or XXXX and Chrysler is adamant that I owe this money from some vehicle service contract with a Company named XXXX XXXX I declined this when I purchased the car. I even sent them the copy from the dealership that has no signature and lists my email as XXXX ' BECAUSE I DECLINED IT! They will not even discuss this with me now because they charged it off. This is a nightmare for me. Please help!!
Company Response:
State: OH
Zip: 44708
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A