Date Received: 2022-03-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Im having a huge issue with Santander Consumer, they reporting to the credit bureau that my loan is not paid in full. They charging fees huge fees for me paying this loan off XXXX. XXXX time and I believe XXXX dollars in the month of XX/XX/2022 I disputed them numerous occasions evertime I dispute them. They update with me owing more. I have receipts proof and the bureau still have not changed anything.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon review on my consumer reports I noticed that the company have been reporting an fraudulent account to the consumer reporting agencies. If the account is still going to be reporting on my consumer report I will pursue action in federal court because they are violating 15 U.S. Code 1681s2 - 18 U.S. Code 1038 And making false statements to XXXX Thats 3 counts to each violation My signature was forged and I didnt sign contract with Chrysler capital For USC VIOLATIONS will be disclosed in federal court Chrystler capital XXXX or XXXX ID # XXXX Legal number or fax XXXX Credit dispute XXXX XXXX XXXX XXXX Tx XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2021 I sold my leased vehicle back to the dealership where I purchased it, at the time I owed for the XX/XX/2021 payment. Later that spring, I received noticed that there was a late payment on my credit report and XXXX XXXX XXXX XXXX XXXX was XXXX days late. I called and they told me they would fix it. This week I received another notice there was a change on my credit report. This account ( Account # XXXX ) is now showing as XXXXdays late as the status but all payments listed are shown as on-time. Currently, this is severely impacting my credit score.
Company Response:
State: IA
Zip: 50263
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2022, I retrieved a copy of my credit report via XXXX XXXX and discovered an inquiry that I have no knowledge of. I did not apply for credit with Santander Consumer USA ( finance ) nor did they have my permission to use my information. I have also reached out asking that they remove the inquiry from my credit profile.
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I've spoken with representatives from this company at least 2 times per month beginning XX/XX/XXXX. They offered me accommodations due to Covid-19 by moving my due date and allowing payment arrangements until account is caught up prior to my account becoming late. PURSUANT to the federal cares act 15 U.S.C. 1681 if a furnisher was offering accomodations prior to an account becoming past due, the creditor/furnisher must continue to report the account as current. Santander did the opposite. They reported false, inaccurate info to the 3 major credit bureaus in XX/XX/XXXX and now because I filed a dispute with the credit bureaus they have now retaliated against me and reported past due in XX/XX/XXXX, as well. This is illegal and in violation of law. I've spoken with XXXX and advised him of the law ( Cares Act ). Santander has refused to continue to report my account as current affecting my credit score and the ability for me to get Financial assistance from the XXXX ( XXXX XXXX XXXX ) due to a XXXX point drop in my credit score. This is my final attempt before filing in federal court.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: XX/XX/XXXX it all started. I am self employed. Because of pandemic work was very slow. Could not afford payments. Santander would only say make payments or we will take vehicle. I investigated Santander and found they lost a lawsuit where they put people in loans knowing they would eventually fall behind. In XXXX I was trying to get a vehicle. My credit was XXXX or below. No one would finance me. Then this company XXXX XXXX loans accepted me. I was only able to go to car XXXX because no other car dealer would except them. After purchase I was my payments it was thru Santander. I tried to volunteer to return vehicle and they refused. Then they repossed. Number XXXX I believe I paid them more then enough for vehicle with ridiculous interest. Number XXXX still believe I fell under the terms of the lawsuit they lost with the XXXX of Florida in which i stated to them repeatedly and they refused to answer. With the prices of used trucks they gave vehicle away. So I state again they should have never given me a loan back in XXXX. The vehicle should have been turned over to me as the terms of the lawsuit as I understand it. And the money they sold the vehicle for should be returned to me and this removed from my credit.NOTE They told me credit had nothing to do with giving me a loan. Every loan I ever heard of is based on credit.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My vehicle was illegally repossessed the day after I made my payment and brought the account current. I communicated with the business that I was sending the payment, but my vehicle was repossessed anyway. The lender immediately released the vehicle, but I was still charged the repossession fees and my credit report shows the vehicle was repossessed. The lender justified this by stating that their systems are not connected so they could not stop the repossession after the payment was made. I fail to see how errors on their end are my liability. I have attempted to log in to get a copy of the transaction records which show the payment posted the day before the repossession, but the business has since locked me out of my account.
Company Response:
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Few moments in my life has been as severe and as stressful as the months I spent dealing with an ex-boyfriend who stole everything I had including my car and proceeded to crash it causing me weeks of financial disarray. However Santander exercised and abused its fiduciary responsibility regarding the obligation to pay when gap insurance was sold to me with ease and I made those payments quite often. There should be no excuse to issue gap insurance which is always questionable at the finance table and still be able to harass me for the different code and what it is now a repossession that should have been just simply an accident
Company Response:
State: CA
Zip: 92831
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account has been charged off and is over 7 years old and keeps reporting to credit bureaus. I didn't receive a 1099C are being charged off and didn't receive pre and Post car resale. Loan was sold to other party but continues to show original creditor on report.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: An individual stating their name to be XXXX XXXX XXXX stated for me to call XXXX reference XXXX. When i called a lady stated the name of the business to be XXXX XXXX XXXX, XXXX Florida. They stated i had an debt to Santander auto finance. Last fall another individual stated the same thing so i called Santander and they stated they do not have a debt with me and if they did they transferred me to another collection and when i called them they did not have a collection in my name or social security. This individual when i told her that Santander stated there was no debt she said will i don't think so and just hung up on me. During the call she wanted to argue with me.
Company Response:
State: AZ
Zip: 865XX
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A