Date Received: 2022-03-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX date of first complaint CFPB XXXX I originally tried to get Santander to remove this wrong information. See file number above. Santander, said they were no longer reporting the information. The first collection agency sent the account to another collection agency. Now it is XXXX and legally past the statute of limitations. Santander and the new Collection are reporting wrong information like the date of the last pmt was XX/XX/XXXX when the account was closed in XXXX. These should be removed. Santander tried to tell me it was a different account but either way. it is past the statute of limitations and they are trying to re age the date on the collections. can you please help. I have attached the complaint and other files. I am not sure if the complaint is referring to the account below but i have attached it. Also it is irrelevant as the account is just invalid as it is past 7 years and they both are reporting wrong information. The last payment made on this account was XX/XX/XXXX. Date of first delinquency is reporting XX/XX/XXXX and date of last pmt is reporting XX/XX/XXXX. I never made another payment since XX/XX/XXXX. XXXX XXXX XXXX XXXX Collection agency XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Company Response:
State: TX
Zip: 77535
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have received three emails over the past 2 months from Santander Bank assuming that I am a customer and directing me to login to access my account. The emails are legitimate and not spoofed. However I am NOT nor have I ever been their client. I checked my credit report for any unauthorized accounts and nothing shows up so far. I called the bank and explained the situation and they couldnt find an account either. They said to simply ignore the email which I tried after the first two messages. This is unnerving and I consider it harassment at this point. I request that this matter be investigated and brought to a definitive conclusion so that I stop receiving these inaccurate communications.
Company Response:
State: CT
Zip: 06002
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX a collection for Santander Consumer USA was filed and placed on my credit report. On XX/XX/XXXX I sent over a debt validation letter after months of trying to dispute this fraudulent account on my credit report in all three bureaus. They have consistently stated this account is mine and have not provided any proof nor documents as requested multiple times. They have violated my rights under the fair credit reporting act for not sending me documents to validate the debt nor remove it from my credit report. It has numerously came back accurate with no explanation whatsoever to the credit bureaus. This account has further prohibited me from obtaining other loans and credit accounts and has effected my financially and mentally.
Company Response:
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I had the loan since XXXX with payment of {$530.00} monthly and still paying on the loan in XXXX because interest rate is higher than the legal amount. Interest rate is 23 % which only knocking off a couple hundreds a yr. I had a deferment not knowing it made my interest rate go up higher than on the original loan
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To whom it may concern, I am writing to you because I reviewed my credit report, and this company is reporting a hard inquiry on my credit report. I never applied for credit with this company.
Company Response:
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: In XXXX, I contacted a loan company by the name of XXXX XXXX XXXX to help me buy my car. I gave all my information and they fumbled the paperwork. Lease ended and they encouraged me to get new lease buyout packages. I kept sending paperwork, and the leasing company took my car. I finally get a loan company XXXX XXXX XXXX XXXX ) to give me the money to buy it out. But said I had to get a purchase order from dealership. When I go to dealership, they wont release purchase order because they have to check the car first. I cant get the car checked because the car is in a repo towing yard nearby. I call leasing company to release car for me to buy it properly and they refuse to until I pay it off. So i essence Im stuck because theyre all putting roadblocks with each other for me.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I have a car payment in the amount of {$840.00} a month, as of XX/XX/XXXX I have made payments in the amount of {$450.00} twice a month. In XX/XX/XXXX I made a total payment of {$790.00}. Then end of XXXX I made {$100.00} payment via XXXX XXXX card, a {$220.00} payment via my checking account on file and again {$450.00} payments every other week. The payment made in XX/XX/XXXX should and would have covered the remaining balance for XX/XX/XXXX. Via XXXX, XXXX and XXXX all three bureaus show paid on time for XX/XX/XXXX however, Chrysler capital is stating that I owe {$370.00} for XXXX!! I had to make a future secure payment in this {$370.00} amount for XX/XX/XXXX payment, that has already been paid several times over!! Chrysler then reported the account 60+ days past due knocking my and my spouses credit score XXXX points down. I have all bank statements and proof I have made these payments. My last payment ( s ) were XX/XX/XXXX {$230.00} out of my checking account and {$230.00} out of the XXXX XXXX card. I am so sick of Chrysler Capital not counting my payments towards the correct months, destroying our credit score as well. The employee I spoke with stated that I have been making payments partially in two amounts since the contract began, but as of XX/XX/XXXX Chrysler Capital is NOT accepting the payment spilt up like that and I must pay only on the due date which is the XXXX of each month. The employee confirmed that I have in fact been paying {$50.00} over the amount due each month, and I do have a 10 day grace period but since I do not pay the amount due on the XXXX that NONE of my payments have counted, and my vehicle is now up for repossession! Also, Chrysler Capital is illegally hitting my with a delinquent fee for everyday I make a payment that is NOT on the XXXX. The example given to me was as follows : If I make a payment in XXXX on the XXXX and XXXX of the month, but the payment due date is the XXXX, then both payments of {$450.00} will NOT count towards the monthly payment for XX/XX/XXXX, I will also be hit with a delinquent fee from the XXXX of XXXX to the end of the month and my car will be up for repossession. I have never been so frustrated and felt taken advantage of in my life. I have been making the payment monthly even though I am on unemployment, and Chrysler Capital has taken my payment each month since XX/XX/XXXX. How can a company take a payment but then say this payment does not count? How can they negatively effect my credit score? I need help correcting this
Company Response:
State: WY
Zip: 82718
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have 3 unknown Hard Inquires on my report that i was unaware of when shopping for an auto loan, that i did not give consent for. I was shown at XXXX XXXX that they would check my credit with XXXX XXXX and i was approved with them. The other XXXX auto finance companies i was not aware of or gave consent for was for XXXX XXXX XXXX, XXXX XXXX XXXX, and Santander Consumer USA. I disputed these inquires to the Credit Bureaus but they told me they could not remove them.
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. This debt was included in a multistate settlement between Santander consumer and several states attorneys lawsuit including Florida state which its where my debt was issue. I need this account removed asap from my credit reports on all 3 bureaus as which its affecting me to get credit. I dont have any contract or written agreement with this debt collection company.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I HAD PREDATORY LOAN WITH SANTANDER CONSUMER USA. THERE WAS A CLASS ACTION LAWSUIT AGAINST THEM AND I WAS APART OF THE LAWSUIT. I AGREED TO A VOLUNTARY REPOSSESSION DURING COVID AND IT WAS AGREED THAT THE BALANCE WOULD NOT BE REPORTED TO CREDIT FOR COLLECTIONS. THEY ARE REPORTING THIS DEBT ON MY CREDIT. I PAID ALMOST {$30000.00} IN PAYMENTS FOR 6 YEARS AND THE BALANCE IS THEIR ILLEGAL INTEREST. Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX {$26000.00} ORIGINAL LOAN {$28000.00}
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A