Date Received: 2022-04-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX complaint against this creditor as well.
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I called Santander at the end of XX/XX/2022. I called to get extension for XXXX and XXXX the lady I spoke with stated that I was able to get the extension and I would pay XX/XX/2022. I logged on my account and seen I had a balance for XXXX so I called and was told that there was no extension and I wasnt approved per the notes that the representative I spoke with documented. I requested that the call be pulled and listened to. I spoke with a man he said he would the XXXX and for me to call back at XXXX so I called back and I spoke with a lady she had no idea what I was talking about and said she knows that the will not pull a call from XXXX. At this point Im even more upset because of all the miss communication and lies that Im being told. Finally she sent me to the exceutive offIce and I spoke with a guy name XXXX XXXX Id # XXXX he tried to get knowledge of what was going on and said he didnt show any records of anyone pulling the call and he would personally listen to the call and call me back. I had several panic attacks because at this point dont know who to trust my account has an outstanding balance and I cant afford to get me car reposed for someone lying to me and thats not far to me as a customer that they would allow that to go one. I had to wait all weekend stressing and worrying about this guy calling me back. I received a call from a guy named XXXX id # XXXX he also stated he was with the executive office and he listen to the call.. I asked why he was calling me and not the guy I originally spoke with because he told me he would personally call me back and didnt. Thats poor customer treatment and Im even more upset because now I have to explain this situation over and he said he listened to the call and yes I was mislead by the representative and they gave her a coaching. Im like is that it????? She lied to me and falsified documentation that reflected that she had a whole conversation with me that I had no idea about. Now Im stuck with this outstanding amount and all he can say is he understands and still tried to collect the balance I didnt have now Im in jeopardy of losing my cat and nothing has been done. I filed a complaint with the attorney general and now Cfpb and Im looking to sue because this is unfair and deceptive practices. I need help and I cant get anything done on my own. No one has ever reached out to me since that day and I need this resolved. I cant afford anything extra and its is causing me a great deal of stress and my XXXX is out of control. Please help me. It had even damaged my credit badly all because someone lied to me. If I would have know I would have done my best to get a payment in at the time. I had Covid back to back. I cant get help from family the struggling just like I am. I
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have no record of these inquiries on report nor did I give information for my record to check i tried calling these company and could not get through their automated system.
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: TILA RESCISSION NOTICE DATE SENT: XXXX XXXX XXXX VIA CERTIFIED MAIL, RETURN RECEIPT REQUESTED XXXX SANTANDER CONSUMER USA INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN: PURSUANT TO THE PROVISIONS OF THE TRUTH IN LENDING ACT (TILA), 15 U.S.C. SECTION 1635, I RESCINDED MY LOAN, DUE TO VIOLATIONS OF TILA, INCLUDING BUT NOT LIMITED TO THE UNLAWFUL FAILURE TO GIVE TIMELY AND PROPER DISCLOSURES REQUIRED UNDER TILA. IN ACCORDANCE WITH THE TRUTH IN LENDING ACT I EXERCISED MY RIGHTS UNDER THE FEDERAL TRUTH IN LENDING ACT, 15 U.S.C. CHAPTER 41 DUE TO THE FOLLOWING VIOLATIONS: 1. 15 U.S.C. 1601(A)(B)- FAILURE TO GIVE MEANINGFUL DISCLOSURE OF CREDIT TERMS; I WAS UNINFORMED OF THE USE OF MY CREDIT NOR DID I RECEIVE ADEQUATE COST DISCLOSURES. 2. 15 U.S.C. 1611- THE LENDER WILLFULLY AND KNOWINGLY PROVIDED ME WITH FALSE AND INACCURATE INFORMATION AND FAILED TO PROVIDE TRUE AND ACCURATE INFORMATION WHICH THEY WERE REQUIRED TO DISCLOSE UNDER THE PROVISIONS OF THIS SUBCHAPTER OR ANY REGULATIONS ISSUED THEREUNDER. 3. 15 U.S.C 1662, 15 U.S.C. 1605(A)(B)(C), 12 C.F.R. 1026.4(A)(B)-THEIR ILLEGAL ADVERTISEMENT AND REQUIREMENT FOR A DOWN PAYMENT IN CONNECTION WITH AN EXTENSION OF MY CONSUMER CREDIT; I WAS NOT INFORMED THAT THE FINANCE CHARGE IS THE SUM OF ALL CHARGES YET YOU ADDED THE FINANCE CHARGE, AMOUNT FINANCED, AND MY DOWN PAYMENT BUT DID NOT SUBTRACT ANYTHING FROM THE TOTAL SALE PRICE. I DID NOT RECEIVE FULL DISCLOSURE OF THE FINANCE CHARGE. I WAS ALSO MISINFORMED BY SANTANDER CONSUMER USA INC., THAT A DOWN PAYMENT WAS REQUIRED IN CONNECTION WITH AN EXTENSION OF MY CONSUMER CREDIT IN ORDER TO FINANCE AND PURCHASE THE VEHICLE; MY DOWN PAYMENT DID NOT REDUCE THE TOTAL SALE PRICE IN FACT IT WAS BOOSTED FROM XXXX XXXX XXXX I ALSO WAS NOT INFORMED OF LIFE, ACCIDENT, HEALTH, PROPERTY DAMAGE AND LIABILITY INSURANCE PREMIUMS INCLUDED IN FINANCE CHARGE. 4. 15 U.S.C. 1635- FAILURE TO PROVIDE THE INFORMATION AND RESCISSION FORMS REQUIRED UNDER THIS SECTION TOGETHER WITH A STATEMENT CONTAINING THE MATERIAL DISCLOSURES REQUIRED UNDER THIS SUBCHAPTER, IN ACCORDANCE WITH THE REGULATIONS OF THE BUREAU. PURSUANT TO 15 U.S.C. 1635(F), MY RIGHT TO RESCIND THIS LOAN EXTENDS FOR THREE-YEARS AS A RESULT OF VIOLATIONS UNDER THIS SUBCHAPTER. MY RESCISSION NOTICE HAS BEEN SENT TO THEM WITHIN THAT TIME PERIOD. IN ACCORDANCE WITH 15 U.S.C. 1635, 15 U.S.C. 1640, AND THE U.S. SUPREME COURT RULING IN JESINOSKI v. COUNTRYWIDE HOME LOANS, INC., NO. 13-684, 2015 WL144681, I NEEDED ONLY TO PROVIDED THE LENDER WITH WRITTEN NOTICE EXERCISING MY RIGHT TO RESCIND WITHIN THE THREE-YEAR PERIOD ELAPSE. NO COURT ACTION IS REQUIRED. THE U.S. SUPREME COURT ALSO RULED THAT I AM ENTITLED TO ADDITIONAL RELIEF IN THE CASE OF AN INDIVIDUAL ACTION TWICE THE AMOUNT OF MY FINANCE CHARGE IN CONNECTION WITH THE TRANSACTION WHICH IN MY CASE WILL BE XXXX NOT INCLUDING THE RETURN OF ALL MONEY OR PROPERTY FOLLOWING RESCISSION. I RESERVED ALL RIGHTS TO RAISE ADDITIONAL OR ALTERNATIVE GROUNDS FOR RESCISSION UNDER FEDERAL OR STATE LAW. SANTANDER CONSUMER USA INC HAVE TWENTY (20) DAYS AFTER RECEIPT OF MY LETTER TO RETURN TO ME ALL MONIES PAID BY ME IN THE TRANSACTION AS WELL AS ADDITIONAL RELIEF ARISING FROM THE VIOLATIONS UNDER THE TRUTH IN LENDING ACT. THEY WERE SUPPOSED TO TAKE ANY ACTION NECESSARY OR APPROPRIATE TO REFLECT THE TERMINATION OF THE SECURITY INTEREST CREATED UNDER THIS TRANSACTION. BUT THEY STILL CONTINUE TO CALL AND HARASS ABOUT LATE PAYMENTS WHEN THE CONTRACT WAS VIODED BEFORE ANY PAYMENTS WERE DUE. I ADVISED THAT IF THEY DID NOT CANCEL THE SECURITY INTEREST AND RETURN ALL CONSIDERATION PAID BY ME WITHIN TWENTY (20) DAYS OF RECEIPT OF MY LETTER, THEY WOULD BE RESPONSIBLE FOR FURTHER ACTUAL AND STATUTORY DAMAGES PURSUANT TO 15 U.S.C. 1640(A). I ALSO ATTACHED AN INVOICE FOR THE AMOUNT OWED XXXX AND IF THE AMOUNT INVOICED WAS SOMEHOW INACCURATE FOR THEM TO PROVIDE ME WITH AN ITEMIZATION OF THE LOAN DISBURSEMENTS, THE LOAN CHARGES, THE CURRENT PRINCIPAL BALANCE, ALL PAYMENTS RECEIVED FROM ME, AND THE FINANCE CHARGE SO THAT WE MAY DETERMINE THE EXACT AMOUNT NEEDED FOR TENDER. SANTANDER CONSUMER USA INC IS IN VIOLATION OF TITLE 15 CHPTER 41 AND HAS NOT RESPONED TO MY NOTICE OR EVEN ACKNOWEDGE IT.
Company Response:
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have a hard inquiry on my XXXX credit report from a financing company where I didn't get any finance from. It's bringing a hard impact on my credit. It's from SANTANDER CONSUMER USA. In accordance with the fair credit reporting act XXXX Account # 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: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
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: Recently I was informed about a lawsuit against Santander Consumer USA for sub-prime loans. I myself had a loan with Santander and believe that I may be one of those loans. On XX/XX/XXXX, I acquired an auto loan from Santander Consumer USA. At the time of obtaining this loan, because of extenuating circumstances my credit was very poor. My primary automobile was no longer working and I needed an automobile. XXXX XXXX at XXXX in XXXX, DE and was approved for financing. The loan was a tier 3 loan and the interest rate was very high, 25.99 %, but I did not really have choice. I accepted the loan with a payment of {$520.00} for 72 months, starting on XX/XX/XXXX and ending XX/XX/XXXX. Over the course of the loan, I was offered an extension 3 times and was told the payment would be due for those payments at the end of the loan. This extended the payoff date of XX/XX/XXXX, making the loan 75 months. All payments were made up to that date. At that time Santander Consumer USA informed me that I had to pay a balance of {$9200.00} in order to obtain the title to my vehicle. All of the installment payments had been made, including the extension payments. I questioned them about the balance and never received an answer as to why a balance remained. They then started reporting late payments to the credit bureaus for this balance, destroying my credit even though all installment payments were made. I asked for the loan amortization sheet. Once I received it, I noticed there was no pattern as to how the payments were credited to the principle and interest. It did not follow a traditional amortization. Usually in the beginning you pay more interest and towards the end more principle is paid. This did not happen. Santander continually harassed me for the balance and threatened to repossess the vehicle. I ended up taking a loan out from my XXXX to pay the {$10000.00} they demanded. After several weeks they released my title. I can not believe that this is a normal, ethical business practice. I am writing to find out if there is any recourse available to me.
Company Response:
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
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 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: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and all of my information was compromised including my social security number, my bank information and other sensitive information.I reached out to all three credit agencies such as XXXX and XXXX to have Fraudulent items removed such as Santander Consumer Usa, XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX in which I was not responsible for these items along with XXXX XXXX and Also XXXX XXXX XXXX XXXX XXXX which is a closed account that is still reporting that was fraud .According to the FCRA it is within my rights to have negative items removed in which I had no knowledge of.
Company Response:
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have sold my Crystler Capital lease to XXXX on XX/XX/2021. After that, XXXX delayed sending the payoff amount to Crystler Capital which I was not aware of. When XXXX finally sent the final payoff amount, it was XX/XX/2021 but by that time I was already charged for late payment for the month of XXXX. This dropped my XXXX score by roughly under XXXX points. I called Crystler Capital to inform about this issue once I found out. They requested a fault letter ( attached below ) from XXXX saying the vehicle was not in my possession post XX/XX/2021 and the reasoning behind their delay. I had to physically go to XXXX more than 3 times to get this letter done and had multiple iterations to update based off of what Crystler Capital wanted to be written on the letter. Once the final iteration was completed after XXXX included all the information that Crystler Capital asked for, they still said it wouldn't work and they wouldn't fix the credit reporting. I have spend 2 months on fixing this issue and tried to include all the information that Crystler Capital asked for but yet they still said they wouldn't fix it at the end which is tremendously frustating. Especially since how significantly it effected by XXXX score. Crystler made me go through all the hassle to have XXXX prepare the letter just to say they wouldn't fix the issue even though they said they'd fix the reporting once I had the letter from XXXX. I know Crystler Capital has mostly one start reviews and this was just a prime example of why. I have been emailing all the information to a personnel, XXXX who was handling the credit information to Crystler Capital credit department. She only called after each email to add additional information that they'd require but never responded to my emails due to legal restrictions according to her. It has been months since my credit has been effected by this but I was unable to get any help in fixing thing from Crystler Capital even though it wasn't at my fault. XXXX has been compliant in getting the letter written but again, it was XXXX 's delay that led to the negative affect on my XXXX score. This delinquency was only reported to XXXX and not the others which was also a little bit strange. So I am hoping this get resolved soon as I have filed a dispute with XXXX. I have also attached below the letter I have sent to XXXX for the dispute with all the related information.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: In early 2020 I had fallen behind on my payments on my Chrysler Capital/Santandar Consumer USA loan . I contacted them but was advised by the company that I had, in fact, been covered in a settlement with the Indiana Attorney General amongst others in a Class-Action Lawsuit in Federal Court . As I had stopped getting bills in the mail and was advised I was covered under said lawsuit, I assumed everything was ok. Flash forward to XXXX of 2020 after XXXX, and a few days before XXXX XXXX, and an armed man dressed in what I can only classify as a police impersonator uniform shows up at my house touching an open-carried firearm in a threatening manner and takes my car. I contacted the police, but I was told this was apparently ok for them to do and not even inform local law enforcement as required by Indiana law. Chrysler then proceeded to sell my car without giving me written instructions on where to retrieve it or the amount. Sending me a letter with " call us at '' does not constitute a notice of where to retrieve the vehicle or what is due on it. The only thing with an amount I got was a notice of repossession from Chrysler and the armed tow-truck driver stating an account balance of " {$0.00} '' due on the loan. I tried to get this resolved by calling after this happened, but got tossed around to different people who apparently didn't know anything at Chrysler and could not give me anything in writing. I contacted the Indiana Attorney General, who said they could not take enforcement action on this sort of contract, and Chrysler Capital did " forgive '' the remainder of my loan. They also sent me a payment for the settlement of about {$200.00} per the terms of the settlement. However, the settlement required them to forgive the balance which they and the XXXX stated to me that they did before they turned up in the middle of the night threating me with a XXXX to take my property.
Company Response:
State: IN
Zip: 46970
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A