Date Received: 2022-03-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX of XXXX I made a payment of over {$3000.00} to Santander Consumer USA after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to Santander to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for Santander Consumer USA. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with Santander and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from Santander or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX of XXXX when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. Thank you.
Company Response:
State: NY
Zip: 14213
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This company is violating my consumer rights pursuant to 15 USC 1692g. I sent this company a letter on XXXX XXXX requesting an audit trail. I still have not received a response from this company. This is my last time requesting this information or i will file suit. I want to be extremely clear on the next thing I'm about to say .... Once i file suit I WLL NOT settle out of court.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: This company XXXX Santander Consumer USA XXXX is reporting inaccurate information to my Credit Bureaus ( XXXX, XXXX, XXXX ). I have contacted the lender on several occasions asking them to stop reporting inaccurate information to those bureaus. They hardly ever want to speak to me to resolve these issue. The lender has the wrong address and is constantly reporting inaccurate information which is a violation under the rules of the Fair Credit Reporting Act. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. I have tried to dispute this auto loan from my credit report several times but the lender is constantly reporting inaccurate information to my Credit Bureaus. Since the auto loan lender had inaccurate address information, this means that I never received any documentations in regards to an auto loan. This must be removed from my Credit Report for it is damaging my credit score. XXXX Duties of users regarding address discrepancies. Definition : For purposes of this section, a notice of address discrepancy means a notice sent to a user by a consumer reporting agency described in 15 U.S.C. 1681a ( p ) pursuant to 15 U.S.C. 1681c ( h ) ( 1 ), that informs the user of a substantial difference between the address for the consumer that the user provided to request the consumer report and the address ( es ) in the agency 's file for the consumer. ( 1 ) Requirement to furnish consumer 's address to a consumer reporting agency. A user must develop and implement reasonable policies and procedures for furnishing an address for the consumer that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C. 1681a ( p ) from whom it received the notice of address discrepancy when the user : ( i ) Can form a reasonable belief that the consumer report relates to the consumer about whom the user requested the report ; ( ii ) Establishes a continuing relationship with the consumer; and ( iii ) Regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of address discrepancy relating to the consumer was obtained. ( 2 ) Examples of confirmation methods. The user may reasonably confirm an address is accurate by : ( i ) Verifying the address with the consumer about whom it has requested the report ; ( ii ) Reviewing its own records to verify the address of the consumer ; ( iii ) Verifying the address through third-party sources; or ( iv ) Using other reasonable means. ( 3 ) Timing. The policies and procedures developed in accordance with paragraph ( d ) ( 1 ) of this section must provide that the user will furnish the consumer 's address that the user has reasonably confirmed is accurate to the consumer reporting agency described in 15 U.S.C. 1681a ( p ) as part of the information it regularly furnishes for the reporting period in which it establishes a relationship with the consumer. The Auto loan lender has INACCURATE address information. Therefore under the guidelines of the Consumer Financial Protection Bureau this issue must be disputed.
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2022 Reached out but no answer
Company Response:
State: MI
Zip: 48192
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Car purchased XX/XX/XXXX. The car was stolen XX/XX/XXXX and was reported to XXXX XXXX XXXX Police Department and my insurance company. The vehicle was paid in full by my insurance carrier on or about XX/XX/XXXX. Santander is reporting the vehicle as a charged off account with a balance of {$11000.00} as XX/XX/XXXX. This account has been paid and close.
Company Response:
State: LA
Zip: 70802
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Chrysler Capital is reporting XXXX successive delinquencies although the account is current, in fact I have one more payment to resolve the end of lease terms. I am current and my score has gone down because of Chrysler Capital. It is my understanding that when one brings accounts current their score replenishes, not the other way around. I have requested many times for forgiveness on a late payment during the COVID crisis. I am the co-signer XXXX XXXX, a veteran of the XXXX XXXX and retired XXXXXXXX XXXX XXXX. I am now struggling to get a loan for a vehicle of my own that I can afford to drive. Chrysler Capital is the only criteria damaging my credit score, I hope you can help this struggling XXXX man!
Company Response:
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The entity involved is Santander Bank and XXXX XXXX. Back on Wednesday XX/XX/XXXX Santander had the XXXX XXXX XXXX repossessed by XXXX XXXX. XXXX XXXX has its physical location in XXXX, NC ( which is about 45 minutes from where the vehicle was picked up ). Once the XXXX XXXX XXXX was repossessed it was taken to XXXX, SC. XXXX is roughly about two hours away from where the vehicle was picked up. During the time of transport and while in possession of XXXX XXXX the XXXX XXXX XXXX underwent some mechanical damage. To be specific the XXXX XXXX XXXX was in perfect mechanical working condition prior to being repossessed. Once the XXXX XXXX XXXX was allowed to be recovered, which was 24 hours later. XXXX XXXX would not allow the vehicle to leave until 24 hours had passed even if the balance was fully paid. I had to drive to XXXX, SC to pick up the vehicle on Thursday XX/XX/XXXX. Once the vehicle was recovered I started to hear and feel a kick in the transmission. When the truck would shift between 1st and 2nd gear it would kick. Also, when placed in reverse it would kick and spin ( making real loud and concerning noises ). I then proceeded to take the vehicle to my local mechanic XXXX XXXX XXXXXXXX XXXX XXXXXXXX. They advised me that if the vehicle was towed/rolled without the differential being unlocked, it very well could have caused mechanical damage. XXXX XXXX XXXX XXXX XXXXXXXX advised to get a second opinion from a shop that specializes in transmissions and such. I then took the XXXX XXXX XXXX to XXXX XXXX XXXXXXXX for an evaluation. After the diagnosis took place, it was then confirmed that the transmission, transfer case and differential were all damaged during the towing process. The truck stopped operating properly after the diagnosis and was advised to get a rental vehicle. I proceeded with that and left the XXXX XXXX XXXX at XXXX XXXX XXXXXXXX. In the meantime I had submitted the various reports provided by XXXX XXXX XXXXXXXX. At this point Santander asked to wait 7-10 business days awaiting response from XXXX XXXX ( in hope of them owning the damage ). XXXX XXXX responded by saying they were not taking responsibility for the damages. Santander communicated this to me, I then explained that I was not looking for a free handout and that the vehicle was in perfect mechanical condition prior to the truck being repossessed. Santander asked me to submit records of the maintenance that had been done to the XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX provided service records for the entire time I have owned the vehicle. I then submitted these records to Santander ( which included a recent service done in XXXX of XXXX ). XXXX XXXX still came back after these records where provided and denied the claim on the damages.
Company Response:
State: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
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: The loan was/is for a XXXX XXXXXXXX XXXX XXXX The loan was a 72 month term paid via automatic withdrawals from checking account. The problems are with the last payment. Problem # 1. The last payment was not taken automatically as the first 71 payments were. The payment was less then a full payment but not taken out. I called to inquire as to why this happened and was told this was " company policy '' as the amount was less then the full payment. This was never communicated to me in any way and I was forced to call a toll free automatic time waster to resolve and make a manual payment. Problem # 2 After wasting time on the phone I had to make a payment online that was a manual electronic payment. I have a confirmation number. Now the company is refusing to send the title for 20 business days after the loan is paid in full. The finial amount due and payment are the same. The customer service rep was on the phone with me while I entered the exact payment amount required to pay off loan. The fact the loan is paid in full is not in dispute. What is in dispute is they are refusing to immediately send the title, stating the " company policy '' requires 20 business days to release title plus mailing time. It is my understanding that California law required the title to be immediately handed over to the customer upon full payment. While I accept a few days delay 20 days is excessive. Again the fact the loan is paid in full is not in debate. The XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX TX XXXX
Company Response:
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: The issue I am having is with Chrysler Capital. I filed for bankruptcy XX/XX/XXXX. I started having issues with my car in XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX IL to look at a new car. I remember at one point, before going into the finance room, wanting to leave. I felt very pressured but I went though with the loan anyway. I financed {$29000.00} at 16.29 % interest. I have struggled to pay this loan. I have had to ask for 9 extensions through the course of the last 82 months. I have paid {$26000.00} in interest. I still owe {$12000.00} on the loan. I have paid {$47000.00} on the loan so far. I believe this qualifies as predatory lending practices.
Company Response:
State: IL
Zip: 626XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: According to Title 15 section 1605 ( Determination of finance charge ) In my loan contract my finance charge was {$7600.00}. Per Title 15 section 1605. This is all that I shouldve been charged. Yet I was required to pay a down payment plus another {$21000.00}. This is a clear violation of Title 15 section 1605.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A