Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account shows that i was late 40 times XXXX days and 2 times XXXX days. This information is incorrect. The account was charged off few years ago.
Company Response:
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The 3 Bureaus are reporting inaccurate information on SANTANDER CONSUMER USA. Per FCRA, reporting must be 100 % accurate or the information must be deleted. SANTANDER CONSUMER USA XXXX Balance {$25000.00}
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( SANTANDER CONSUMER USA XXXX )
Company Response:
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: This is a follow up for COMPLAIN ID XXXX CHRYSLER CAPITAL just came with another balance I'm supposed to pay after 2 year I returned this car and paid the full amount they asked me to pay. Now my account reflects {$370.00} They keep trying to charge me money for no reason.
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a loan with SANTANDER CONSUMER USA. The current status should not be showing late because I think I paid on time. This just proves that the 3 Credit Bureaus lacks proper record keeping. Now, this account is reporting to be late, yet it is closed and the balance is XXXX. How can this be fall to a charge off account when the balance is already XXXX. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00} SANTANDER CONSUMER USA XXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX I called Chrysler Capital to explain my circumstances with the attempt to get a bit of payment relief. I purchased this vehicle for my daughter, who no longer resides with me nor has possession of the vehicle. I was and have been XXXX many times with XXXX as well as a XXXXXXXX XXXX. It was my understanding that they accepted to defer two months payments for two payments of {$250.00}. I recently realized after being XXXX from the hospital that they did not accept those arrangements and are now demanding {$1500.00} or repossess the vehicle. I can provide mountains of proof/evidence that i have been financially impacted by my medical condition, of which I am now recovering from. I can maintain the payments going forward starting in XXXX but ask for assistance with the past due payments. Also, if its not asking too much, i would like rate and term assistance to help lower the payment. 32 % is almost highway robbery, but i did sign the papers and own this. I am currently not able to refinance the loan given it is upside down by ~ $ XXXX. Again, all i am looking for is the help getting caught up/current and can maintain it going forward ( and maybe some help lowering the rate/extend term/lower payment ). It would be easy enough to voluntarily surrender the vehicle however my credit is worth more to me than the $ XXXX i am paying for the unneeded vehicle. Please, help!
Company Response:
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I got hurt at work and was put on workers comp in XXXX of XXXX. I told them that it happened and asked them to lower the payments or work with me til I get back to work or get a settlement to pay off the car. They told me no they couldnt, I asked if we could refinance it since I had it over a year and was told no on that as well. I got hung up on multiple occasions trying to work it out. They were just no help. It was my only car for transportation and left me with no vehicle to get to my appointments and stuff I had to do. So I have been trying to get rides to all of that. I then called them about the voluntary repo since they werent going to work with me. Got hung up on again. Then they would call me everyday just asking about the payments that were due. I told them that I was trying to do the voluntary repo. They would transfer me to someone and get hung up on. Tried doing the voluntary repo in the beginning of XXXX and never got a response from the company to get it. Finally got through to do a full conversation of the situation and they told me they cancelled the voluntary and were making it a repo from them. Finally got the car picked up yesterday XX/XX/XXXX. Long story short I wanted to keep the car I tried every way possible to keep from hitting my credit and messing my life up more when Im already in a bad spot with workers comp and now possibly being permanently XXXX. I was fully honest and let them know everything I was going through and the whole situation.
Company Response:
State: CA
Zip: 96002
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a used XXXX XXXX. I paid {$500.00} to hold/reserve the vehicle and {$1500.00} down payment the day I purchased the vehicle. This is a total of {$2000.00} down payment on the vehicle. I have both receipts of the down payment that clearly states the money I paid was a down payment. The contract is invalid as it is inaccurate and writes " N/A '' in the downpayment category. The {$1500.00} and {$500.00} I paid as down payment are not reflected in the total vehicle price and were not subtracted therefore the loan price and monthly payments I have been told to pay are inaccurate. It is illegal to steal my money that was a down payment for a vehicle. It is illegal to write the wrong price on a contract. It is illegal to omit writing the down payment on the contract. This contract is inaccurate and illegal with the wrong information listed. I DID make a downpayment and the contract should have included this and taken this dollar amount from the total price of the vehicle. I have been charged a downpayment and no adjustment was made to the vehicle price, this is illegal practice. This has caused undue hardship as this company is writing and reporting to the credit bureaus inaccurate information.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: After repossession of my vehicle, there was a XXXX State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve consumers of owed debts. I purchased my vehicle in XX/XX/XXXX, and it was repossessed in early XXXX at the height of the Covid-19 Pandemic. As you can see in the attachments, Santander settled the case in early XXXX. According to the agreement, my debt was to be forgiven and the account removed from my credit report. Because of what they agreed to in the settlement, this has now become a violation of my rights as a consumer and needs to be corrected within 30 days of this complaint.
Company Response:
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I reached out to Santander Consumer USA attempting to have my alleged debt with them validated back in early XXXX of 2021. The company then sent me out some documents that i reviewed and determined wasn't enough information to fulfill my request. I made the company aware of this determination, and they proceeded send me an identical set of documents. Santander never directly addressed my determination, nor did they cease collection therefore violating 15 USC 1692g ( b ). The company even went as far as repossessing my vehicle.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A