Date Received: 2022-02-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
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 have a loan with CHRYSLERCAP with account number XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/XXXX up to XX/XX/XXXX. The XXXX and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/XXXX Santander Consumer USA sent XXXX XXXX out to my home to seize the car .Defendant is an Illinois corporation with its headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX in the XXXX XXXX of Texas XXXX This case was previously settled in court after I filled a complaint on XX/XX/XXXX see your files,XXXX consumer protection file number - The statute of limitations has expired and Santander is still sending people to my house in an effort to harass me and my son. Please make them stop and take my vehicle off any list of recovery agencies they may have. They are aware of this debt expiration date and still harass me and my son. I wish to take legal action through you all.
Company Response:
State: LA
Zip: 714XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX, when logging into my bank account, I noticed there was two pending payments for my vehicle loan. Each payment was for {$300.00}. One identified as a 'Phone ' payment for XX/XX/XXXX and the other was identified as a " internet '' payment with date of XX/XX/XXXX My loan payment obligation is only {$250.00}, and I had NEVER called Santander nor would I authorize two payments ( i am on a fixed income ). I called into the company on XX/XX/XXXX and spoke to an agent who advised it was because my payment 's submitted in XX/XX/XXXX and XX/XX/XXXX " bounced '' and they were resending them for payment. I told her that is impossible, as I don't WRITE bad checks, my payment cleared and i was not charged any fees or notified of such. The agent told me that is exactly what happened and if i ask for a refund, it would make me past due. I have stopped payment on both of these transactions through my bank, and it cost me {$70.00}. Now, I am worried they will report inaccurate information to the the credit agency or charge me fees for something that is not my fault. In addition, as i have requested with them, i have a payment of {$300.00} that posted to my account on XX/XX/XXXX to principal only- which is not correct either.
Company Response:
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I received a loan from Santander Consumer USA for a car. In XXXX of 2020 I paid the loan off in full, ( XXXX XXXX ) however I never received a title. I received a letter stating the car was id off. On several occasions i have reached out to Santander and noting happens. I also contacted XXXX who informed me that Santander still has a hold on the vehicle and needs to release the title
Company Response:
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: this account show 30 days late which is wrong information
Company Response:
State: GA
Zip: 30720
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent a 609 letter a few weeks ago out to XXXX, XXXX, and XXXX. These credit companies are not complying with their own policies in a timely manner.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022 I paid my auto loan with Santander USA at XXXX pm XXXX. On Monday XX/XX/2022 I received alerts that my account was reported as 30 days past due to credit bureaus XXXX and XXXX. Upon calling Santander, they stated that they reported the payments as late because the payment was made at XXXX pm ( not stated if it was PST or CST ) which is not true. Confirmation for the payment was not received on my end until XXXX hours after the payment was made. The payment was then posted on XX/XX/XXXX, however, it states on my transaction history that my payment effective date is XX/XX/2022 ( as shown in my attachment ). Santander is being unreasonable and does not wish to remove the delinquent mark despite all these facts being given to them. I was told by a member of their executive office that regardless of what time I paid my car note that my payment was still effective for XX/XX/2022 meaning that I was well within my 30 day grace period and therefore not past due on this account. I have submitted complaints about this company before and have successfully had delinquent marks removed by the CFPB because of their inaccurate and unfair reporting.
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
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: The account with SANTANDER with account XXXX has been reporting derogatory in my credit report however, payment history shows that I paid on time in XXXX. There is no payment report in my XXXX while in XXXX, it shows that I have late payments that I am not aware of. I would like to request for complete payment on this. The Bureaus are given 30 days to investigate, validate and provide feedback to the complainant. Also, supporting documents should be submitted to the complainant 's address to confirm the accuracy of the result. Failure to comply with the following requests should result in the immediate deletion of the account. SANTANDER XXXX XXXX : {$10000.00}
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a vehicle through the dealership vroom on XXXX. XXXX does not have the tittle to this vehicle and i am actively trying to resolve that issue. In the mean time this vehicle has been unregistered and such un driveable for months. I had put XXXX XXXX down and only financed this vehicle to help cover the registration costs. My problem now is with the finance company. Since they have no tittle either. They are not legally a lein holder on this vehicle. The contract is incomplete and they have no right to be charging me payments and interest on something i have yet to receive. The finance company is Santander consumer USA. I have been in contact with them numerous times over the past several months and they have been of zero help in this situation. I have been told there is no time limit on how long they can take to complete the paperwork of the loan. I did inform them that Florida has a 60 day time limit for such scenarios. Theyre only resolution they have given me i was told its completely up to you if you want to make the payments which is extremely unprofessional but also false. I will continue to be charged interest until they take the vehicle and keep my money if I dont make the payments. I have since demanded that Santander puts a pause on my loan and stops charging me payments and interest until this is resolved. Unfortunately they are unwilling to help what so ever. At this point i demand a full refund of all payments and interest i have been charged until this problem is resolved as i feel they have no legal right to charge me anything until we can figure out who the legal owner of this truck is and they can be listed legally on the tittle as the lein holder. I would also like to add that i can email copys of the contracts of this vehicle and the paperwork i have received from the Florida XXXX regarding theyre investigation into this problem as these documents are to big to be uploaded on the initial filing of this complaint on this website.
Company Response:
State: FL
Zip: 33460
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A