Date Received: 2022-03-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CREDITOR NAME : SANTANDER CONSUMER USA AMOUNT : {$8900.00} DATE OPENED : XX/XX/2019 ACCOUNT NUMBER : XXXX
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I submitted a complaint to Chrysler Capital on XX/XX/XXXX. I followed up with a phone call on XX/XX/XXXX to attempt to speak to someone regarding late fees due to XXXX and improper management of my account. I spoke with someone and they could not access my account or even find t with providing the account number. I was placed on hold and then forwarded to " a specialist '' who said that the persons screen froze and they could not seem to locate me or my account ( even with providing the account number ) I was then told to hold on as I was being re-routed to the proper department where I was on hold for 35 minutes - NO ONE PICKED UP THE PHONE. At this point it is clear that Chrysler Capital does not have interest in addressing the XXXX late fees associated with my account. They can simply be waived and my credit score can then go up so I may purchase another vehicle. I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXX Police Detective. The account number is XXXX, XXXX XXXX XXXX. The account is current.
Company Response:
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX is reporting four accounts without my consent I've tried to resolve the matter but no response, nor proof on why I wasn't notified to request a reinvestigation. accounts listed below santander consumeXXXX usa XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had sent in a FTC report stating I have been a victim of Identity theft to XXXX XXXX XXXX they Deleted the account on XX/XX/2021 NOT ONCE BUT TWICE Santander Consumer put it back on my report 2 MONTHS later as it is a violation to me as a consumer such as it took more than 30 days for a response. The creditors only have 30 days to verify the account belongs to me as they did not meet the criteria IM ASKING THIS ACCOUNT BE REMOVED IMMEDIATELY OFF MY CREDIT REPORT!!!!!!!!!!!!! The COMPANY IS IN VIOLATION AND NO FURTHER ACTION IS NEEDED AT THIS TIME!!!!!!!
Company Response:
State: AZ
Zip: 85301
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: We was going threw this divorce and had no jobs no help my husband left me with it all on me I had XXXX kids no money I had nothing he let it go back he was the one that had job for the car and still hasnt payed one dime in child support so I can pay this off he should be the one with all this on him I get stuck
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
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: Loan was paid off in full with an additional overpayment of {$490.00}. Santander bank, who was the lender, uses a third party to issue refund. XXXX is the 3rd party. They issued a prepaid card. When received i called and requested check be sent. XX/XX/XXXX first call. Had not received by XX/XX/XXXX. Calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and today XX/XX/XXXX. They said check was issued twice, never received, called back and told them i want deposit to account. On XXXX was told money would be back on card on XXXX and i could transfer on line to my acct. Money not available on card on XXXX and called and was told it takes 5 business days to get back on card. Told the reason was due to refund program of their system. I requested check due to restrictions and spending requirements with using card. This bank should have never allowed a refund to be sent thru XXXX party much less restrict how i might chose to spend MY money. Santander should have refunded to the acct on record or mailed check to address on file. There should be absolute repercussions for any business treating customers this way. Just horrible business practice and would never advise doing business with santander bank.
Company Response:
State: OK
Zip: 744XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XXXX XXXX. And I believe my right as natural person are being taking advantage of by this car company. They have harassed me every day since I fell behind in covid19 pandemic. I've paid portions the best I can ask for help nothing from government agencies. Santander consumer credit is the name of company that's harassing me every day they say I owe XXXX I believe it's less. Please help if possible thanks.
Company Response:
State: MI
Zip: 49022
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I moved to the XXXX and when i was home to visit the week of XX/XX/XXXX, i did a photo deposit of a check for XXXX XXXX this was a check that was from my credit union to my santander checking account. on the XXXX they blocked my online access to the account and when had my mother call, with me on XXXX they said this was due to the amount and it will be cleared in five days, this call was the XXXX of XXXX, we called again on the after the 5 days and their fraud department said they didn't know why it was still blocked and that their manager agreed it shouldn't be blocked anymore and they will send an email to the guy to unblock the account. they said it'll be unblocked in XXXX hours. Three days later, i am still blocked so we called again and the fraud team said they will send another email because the person who blocks it has to unblock it and they aren't answering the emails. so i then raise a formal complaint about this and they said 48 hours it'll be unblocked. after three days again the account is still blocked. we called again and this time the fraud department said it is being investigated because the check looked like fraud, this was something that was never said the past three calls and only added after i raised a complaint. then they said i had to do send a certified copy of my ID, because i am unable to go to a branch since i live outside of country. my mom then went to the branch with my american drivers license and me on XXXX, we were then told there is no letter that they will accept and that i have to come into the branch to unblock my account, they also told us that there is no note about a letter. this is now XXXX different things being said and XXXX different reasons why my account is blocked. i have a bill i have to pay and am unable to because of this, also i have to now fly back to the states because the 5th person said that the notes left said i have to go into the branch, which is something none of the people on the phone said. I want my account unblocked because this is now insane and also compensation for all this back and forth AND the fact that i have to now pay XXXX XXXX take holiday time, and fly across the XXXX just to unblock my account. which three people in the fraud team have said they don't understand why its blocked. it seemed obvious that the only reason it was further investigated was because i raised a complaint because they were being so rude and telling me different things every time we called. They are holding my money hostage until i fly to the states to show my ID and unblock the account. i have no access to my money, my statements, anything because they changed their mind on why it was blocked XXXX weeks in. i will never use santander again and when i go to show my ID i want my account closed, compensation and a printed copy of all the notes left on my account. which when i asked for the notes i was told outright no they won't do that, which can't be legal. the check was from my credit union, with my name on it, and they took two weeks to decide it was fraud, when its not i have done a photo check with those checks before with them and now its an issue. The first three calls i was told " we don't understand why its still blocked we are so sorry, we can't get a hold of the person that blocked it, i will send an email it will be unblocked within 48 hours '' how did that turn into i have to go to the branch cuz its investigated. the only difference is i raised a complaint against them so to me this seems that they are retaliated against me because of my complaint. it seems obvious considering it turned right after my complaint to I'm being investigated and have to go in branch, when they know from the notes on my account that i live in the XXXX.
Company Response:
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I've deposited {$1000.00} for a new vehicle purchase at XXXX XXXX XXXX in XXXX, VA as the dealership doesn't have in stock vehicles for the model of the minivan that I was looking to buy. I've presented a {$1000.00} cash allowance bonus credit email offer received from Chrysler corporation, which did not mentioned in any of the terms and conditions that the cash allowance bonus credit needs to be used only for a XXXX model vehicle. The same was not validated by the sales person/manager when my vehicle order was confirmed in XX/XX/XXXX. At the time of my minivan delivery in XX/XX/XXXX, the dealership denied the cash allowance bonus credit as their internal system showed that it's valid only for XXXX model, which I was not informed earlier. The sales person told me they would contact Chrysler corporation and make sure the check is sent from Chrysler and they've charge me {$1000.00} more than I was told. I've emailed since then to the XXXX XXXX XXXX who have ignored the same. I've stopped by the dealership and asked the same sales person and they've now changed their words and told they can not help. Chrysler corporation customer service has also said they can't accept the credit voucher as it's for XXXX model even though no where is that mentioned in the offer. There were no XXXX model vehicles in XX/XX/XXXX and I had to order a XXXX model per dealership suggestion. My numerous attempts to get the offer accepted from both Chrysler corporation and XXXX XXXX XXXX have gone in vain.
Company Response:
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX a total loss payment was received by Santander Consumer USA on behalf of a vehicle loan. The amount received was {$16.00}, XXXX. Santander states that there was a balance of {$370.00} that remained on the account after receiving the payout. This amount was not communicated until after 90 days. Currently on my XXXX credit report it shows a late payment of 60 days beginning on XX/XX/XXXX and 90 days on XX/XX/XXXX while on my XXXX report it shows a late payment of 60 days beginning on XX/XX/XXXX and 90 days on XXXX of XXXX. When asked why there was a discrepancy in the reporting I was told my a Santander representative I spoke to on XX/XX/XXXX that they " do there best to report accurately ''. This is affecting my credit scores tremendously.
Company Response:
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A