Date Received: 2022-01-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SANTANDER continues to inaccurately report information to XXXX and XXXX. I have pointed out several inaccuracies on this account to the credit bureaus and Santander. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. XXXX reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also in a previous letter Santander claimed that the account charged off XX/XX/XXXX but reports that XX/XX/XXXX was the date of last payment. How could this be possible? This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.
Company Response:
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: FCRA violation : Inaccurate reporting Please see attached document
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account has been reporting incorrectly on my credit report for months. I received a letter stating that I did not owe anything else on this account. Due to the incorrect reporting and inconsistent to all 3 bureaus, This account should be removed from all credit reporting companies.
Company Response:
State: GA
Zip: 30904
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account has been closed and charged off since XXXX. They illegally re-aged my account and have been inaccurately reporting this account. They have also refused to delete as a result of the inaccuracies. Instead, they are updating an account when it should be deleted. The open dates are wrong. They reported " payments or OK '' status in XX/XX/XXXX and XX/XX/XXXX when no payments or contact was made. The last reported dates are inconsistent and inaccurate. The high credit balance is inconsistent and inaccurate. As a result, this has re-aged the account to benefit the credit grantor for the charge-off statute of limitations. These are major violations of the FCRA and I respectfully request that this account is deleted immediately.
Company Response:
State: LA
Zip: 70072
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Problem with customer service
Subissue:
Consumer Complaint: I have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. The first one being the number of payments as well as the number of payments seems to be inaccurate on the Payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the finance charge amount as it is the dollar amount the credit will cost me. The next billing error is the down payment on the itemization of amount financed. The {$7800.00} cash payment placed under section f which references Net trade-in ( d-e ; if negative enter {$1500.00} here and enter the amount on line m ). Is in violation of 7 CFR 1436.10 ( c ) The down payment may not include any trade-in, discount, rebate, credit, deferred payment, post-dated check, or promissory note to the supplier or contractor. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am demanding additional clarification including documentary evidence of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be a willfully intent on misleading and or deceiving the consumer of the character/ amount of any debt 15 U.S.C . 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction. the term " the term payment ( i ) means a payment that is ( I ) made to further the commercial development of oil, natural gas, or minerals ; 15 USC sec 78m ( q ) ( 1 ) ( C ). while A " coupon means a form which may be redeemed, at no cost or at a reduced cost, '' I am yet to receive the redemption to my account in the form of credits. Santander clearly states, To receive proper credit simply complete the amount of your payment in the Total Amount Enclosed payment field and other amounts you are sending to be applied to your account. such as Additional payment ( if applicable ). Please make checks payable to Santander Consumer USA Indicate amount paid in Total Amount Enclosed payment field below. Print and mail coupon to : Santander Consumer USA XXXX XXXX XXXX, XXXX, TX XXXX '' which is the incorrect address, noted by Santander Agent via phone. and is actually the XXXX Address.
Company Response:
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XX/XX/XXXX : I began receiving calls from Santander ( they didn't tell me the name of the company then ). The caller told me that I had a debt and that I would be served to appear in court if I didn't make payment arrangements immediately. I told the caller I needed to research the source of the debt. He called back within a week ( same person ) and I told him that I don't owe anything and that they should stop calling me. He kept insisting that I was going to be sued and that the next day a process server would show up at my door. XX/XX/XXXX : My brother received a call about my debt, which he forwarded to me. I called them and told the person who answered ( different male ) that I didn't owe on the debt and that they needed to stop calling me. He told me that they'd keep calling until I paid. XXXX - XX/XX/XXXX : Received 4 more calls to my cell phone and one to my work number, still insisting that I was going to be served if I didn't pay or agree to settle the debt. I called again and asked them to leave me alone. The woman who answered was rude and kept telling me that I can't avoid this debt. XX/XX/XXXX Received this e-mail from Human Resources : Hi XXXX, Our HR Offices have received a message that was requested to be passed on to you. XXXX & XXXX XXXX are trying to reach you regarding service of some sort of documentation. They request that you contact them at XXXX and reference case # XXXX. This is the only information that they provided us with. XX/XX/XXXX I called the number and the man on the phone was horrifically XXXX XXXX XXXX to me. I asked him politely for the name of the company and he refused to tell me at first. I asked for the address to send a letter to stop contacting me and he told me that he wasn't going to give it to me because I wasn't going to be able to avoid paying this. He asked me if asking for the address was the next step on the avoiding my debt checklist. He called me a " XXXX who owes money '', a " XXXX '', told me to get a higher paying job, made a point of using the name of my employer, my XXXX XXXX XXXX name and my home address while insulting me. He refused to give me the address for Santander and it was only after I asked several times that he finally told me the name of the company. I reminded him that there are laws about debt collection and he just can't keep contacting me after I've asked him to stop. He kept telling me that they'll continue to contact me until I pay this debt. I'm confident that I don't owe them anything. The time limit has long since run out. Regardless, no one has the right to XXXX me over a debt. I don't want to hear from them again. I'm willing to sue if necessary. Please help me. XXXX XXXX
Company Response:
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The car was repossessed due to financial hardship and natural disaster. The amount due on the vehicle was partially obtained through auction. The remaining amount was sold to a debt collector ( XXXX XXXX ). That remaining amount was settled, paid and issued for deletion. I contacted San Tander consumer to try and update the account with my letter of satisfaction. I requested that the account be removed from my credit report as they have managed to obtain the money owed on the car. They replied and stated they will do no such thing and hinted that I was asking them to do something illegal. They would not accept my letter of satisfaction of payment and would not work with me on the matter. I explained that if they received the money it should not be an issue to update my credit report if not a full deletion of the account. They said they will not do it. This account reflects on both my wife 's and I credit report.
Company Response:
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit inquiry on XXXX XXXX, 2021 from SANTANDER CONSUMER USA. I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX and XXXX XXXX, 2021. I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.
Company Response:
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After being in the XXXX for 3 months and getting out explaining the situation with the company they still illegally repossessed my vehicle. I told them about the laws that our state had in place to protect XXXX victims and they still proceeded to repossess the vehicle. They also reported false information and a false address on my credit they never notified me of anything pertaining to the vehicle until after they took it and all my things. All my personal belongings is in the vehicle. I paid {$2500.00} pre payment to allow me some time since I was having a XXXX not knowing I was going to stay longer due to XXXX. Everything that they were saying about this company in the lawsuits are correct they changed my vehicle price and loan information to be feasible to them. The money orders my XXXX and identification is in the car along with other valuable things. Still to this day I have not received notification that they have my vehicle. In Georgia they must notify customers within 10 days via certified mail for repossession and I was not even supposed to be repossessed. Horrible customer that tries to get over on everyone. Their business is about to go down forever for the wrongful business they have been conducting. A
Company Response:
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed few inquires I don't recognize or authorized my information to be used.
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A