Date Received: 2022-01-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a loan with SANTANDER CONSUMER USA. I have always made my payments on time yet there was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX and XXXX Credit Bureaus and the company as well requesting a complete payment history with this account for me to review the exact date on which the repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned XXXX. There was definitely an error on their part. There was definitely an error on their part. The company is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY. ( SANTANDER CONSUMER USA XXXX )
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander used predatory lending practices and was in litigation with the XXXX XXXX XXXX XXXX XXXX XXXX These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for 8yrs and 11 months that should not be there!
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
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 me a response letter through the CFPB stating my account was under a cease and desist. On XX/XX/XXXX I received two letters in the mail, one dated XX/XX/XXXX threatening repossession. Regardless of payments received monthly and never 30 days past due. The second letter dated XX/XX/XXXX stating they will not respond to my concerns moving forward. Both of these letters received on XX/XX/XXXX are in Violating of a cease and desist order officially placed XX/XX/XXXX. 15 USC 1692 ( a ) ( e ) CONGRESSIONAL FINDINGS ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. A cease and desist order communicates to a person or company to stop engaging in illegal activities and if they do not comply by the order they will face penalties such as fines or jail time. Santander is in violation of a cease and desist order.
Company Response:
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/XXXX, I entered into a consumer credit transaction with XXXX. XXXX indirectly sign over my consumer credit transaction over to Santander Consumer USA. On XX/XX/XXXX, I sent a cease and desist notice, Santander Consumer USA has failed to acknowledge. On XX/XX/XXXX, Santander Consumer USA STOLE MY VEHICLE. Santander Consumer USA HAVE FAILED TO NOTIFY ME IN WRITING. While looking over my contract, I see XXXX and Santander Consumer USA has violated several laws. Please see attach letter for violations. Santander Consumer USA has stole my vehicle. Taking possession of something you do not own is thief. Having a lien of a vehicle does not mean you own it. XXXX allow a XXXX ( third party ) to come and get my vehicle. This is a violation ; the XXXX ( third party ) was not their to witness the contract and is not apart of the contract. I want to know how did the XXXX ( third party ) get my address, location, and I did not give the XXXX permission to take my vehicle. This is an infringe of my right to privacy. XXXX failed to disclosed/withheld my right to rescind transaction, and other violations attached
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: In XXXX, XXXX XXXX in XXXX, Texas told me I was approved to co-sign for a friend a $ XXXX car. I am a XXXX XXXX XXXX veteran with XXXX XXXX XXXX XXXX XXXX so after driving 40 minutes to the dealership, I was in a state of distress and anxiety- simply from driving that far. After waiting a long time, the dealership asked me to initial something, showing the price of the car was $ XXXX. I was shocked at the price difference, which caused an even more XXXX and XXXX. I was shaking after this, and clearly not in my right mind as the dealership denied ever telling me it was $ XXXX, which I know they did- I never would have agreed to that. I get into the finance managers office, and was given papers to sign. I noticed my name was listed first. I said, " I thought I was the co-signer ''. The finance advisor assured me it did not matter whose name was first. I believed him. I reiterate : I was not in the right state of mind to make any of these decisions, nor was I able to clearly ascertain what was really going on. Days after signing, I began receiving documents from Santander in the mail. I've never co-signed for anyone, but I know co-signers do not receive initial bills and account information. I called the bank and, through deductive reasoning, realized Santander only used my information for the car loan - the other person was never asked to submit one single piece of documentation. Why? Santander told me, It doesnt matter whose name is listed first or second. The car is in both of your names. What?? I'm confused. This is not my car! What does it all mean? First, it means the dealership hid/ignored objective facts, providing false information about who was buying the car, their address, and misrepresenting who would ultimately have possession of the vehicle. Second, it means Santander refused to verify any of the information they were being given, which resulted in an unqualified/high-risk person having possession of a car they should not have. Last, it means, if the other persons information was not even considered, and only my information was used, I should have been given the option to remain the ONLY name on the car/loan as this person and I are not married or anything, so common sense would tell you that if it were possible to avoid being on a loan together, I should have been given that option. Instead, I was lied to and told we had to co-sign together. This last fact is extremely significant because this person has since disappeared and I can not even report the car stolen because they listed us together. This could have been avoided if the dealership and Santander were honest and above-board regarding the details of the transaction. Santander keeps sending everything to my address- even documents with the other persons name on it. We do NOT live together. I told the finance officer this the day I signed ; he just kept saying it did not matter. When the friend I allegedly co-signed for realized it was basically MY loan and that the bank had none of his information, other than his name, he disappeared. I have no idea where he is. I even paid the first car note b/c I felt obligated, but I will not continue paying for a car so these thugs can profit off my innocence and goodwill. I have a $ XXXX car loan with XXXX XXXX ; I filed bankruptcy 3 years ago ; I should have never even qualified for a $ XXXX car loan - especially when Im signing with someone who is not required to submit any information. I was clearly taken advantage of. Please help me.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Date : XXXX XXXX XXXX XXXX XXXX CT # XXXX XXXX XXXX Texas, XXXX Chrysler Capital XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX Acct. No. XXXX Amount : {$21000.00} Date : open : XXXX This Debt is not mine the company should have deleted this from my credit if it's not then I'm forced to file a complaint against your company. We will go to court if it's possible. This has hurt me someone use my Identity to get a car.
Company Response:
State: TX
Zip: 79912
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 29108
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: I am coming off a lease with Chrysler for my XXXX XXXX XXXX. I decided to buy it and was referred to this company Santander who apparently handles the buyout. I filled out some paperwork and got a pre approval. They sent out additional paperwork which I filled out and returned. They told me there was some additional underwriting. I didnt hear from them so I shopped out another rate from a local bank and got a much better deal. So I sent them a termination email early this morning XX/XX/XXXX @ XXXX explaining that I wanted out of their loan. At XXXX this morning, I received an email that my loan has been funded. I called the loan XXXX and she told that I can't get out of it now. I asked her why it took so long to hear back from her and that my application was still in underwriting and that I didnt commit to anything at this time. She apologized and said she was out of the office and couldnt back to me on a timely basis. I then called the XXXX customer service number provided on their approval email and was put on hold for XXXX minutes just to have a recording come on and say that everybody was in a meeting and to call back. What a scam! I am furious! I want the loan from local bank! i
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: On XX/XX/XXXX I began a credit consumer transaction at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon my consumer Credit transaction information pertaining to my contract was not disclosed to me nor was I made aware of such things that my finance charge shouldve included XXXX insurance but did not. Subsection 15 USC 1605 states determination of finance charge. Exhibit C property damage liability insurance premiums are included in a finance charge. In my consumer credit transaction my finance charge did not include insurance. Furthermore I was never made aware nor informed about my rights to rescission period on XX/XX/XXXX when I initially made a cash down payment of {$1000.00} the sales rep that I work with Advertised to me that I had to make a down payment in order to obtain the XXXX XXXX XXXX. Although subsection 15 USC 1662 states advertising of a down payment in installments says, no advertisement to aid, promote or assist directly or indirectly in any extension of consumer credit may state that a specified down payment is required in connection with any extension of consumer credit. Which my consumer rights were clearly violated therefore being defrauded in regards to subsection 15 US C 60 802A. A notice of requirement obligation with respect to disclosures of personal information. I was not made aware that hi could opt out of this consumer credit transaction reporting to my consumer report by any third-party reporting agency. I did not give my consent to have my consumer credit transaction to be furnished on my report yet it has been furnished without my consent which is technically identity theft and fraud.
Company Response:
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
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 contract for my car ended XX/XX/XXXX. For 16 months which is 1 year and 4 months. I paid {$480.00} every month, which equals XXXX. I will send the money cashier check from the XXXX XXXX XXXX XXXX signature requested overnight through XXXX. I have tried numerous times including with a paid lawyer how to settle this balance. Santander offered to lawyer I can modify the contract to 7yr with 6 % interest rate at payments for {$480.00} to pay off the XXXX. In XX/XX/XXXX my balance was XXXX. When my contract ended XX/XX/XXXX it was XXXX. We are in XX/XX/XXXX its at XXXX. I have called Santanders up until XX/XX/XXXX. I was told it was not in repo status. If my contract ended how did I go from 24 % to 6 % with no contract? It's just a balance at this point. I have been paying the regular payment for 1 year and 4 months after the contract. Because Santander way makes no sense for me to lock myself into 6 % with a payment plan taking another XXXX plus XXXX with no contract Also reporting XXXX late on all 3 credit history every month. Im still paying monthly payments. The balance of XXXX is not going down. Santander is getting ready to write off at 120days and repo. Why would I need to do a contract with 6 % when they should have just set up a monthly payment. XXXX. Why is the balance XXXX XXXX. Where is my 1yr four months payment? Santander reported XXXX to all 3 credit bureau in bad standing then good standing bad standing. Santander would not let me set up a payment plan without 6 % interest or nor change payment. Santander want to keep it at {$480.00}. How can you do that with no contract? Santander reported to all credit companies my last payment was XX/XX/XXXX. How when you received the 1 year and four months of payments passed the contract ended. Where did the XXXX go? Why are you still charging interest on a contract that ended XX/XX/XXXX? If Im responsible for the charge-off and Santanders can put a lien on the title, why did they put a lien on the title for {$11000.00} when I was paying them for a whole year and four months? When did Santander charge-off this account? When I did my disputes to all 3credit reports I had contacted Santander a week prior and the account was not in charge-off nor in repo status. When I spoke to the executive office representative kept saying it was an interest day loan. I said how is this an interest per day loan with no contract. The contract ended a year ago XX/XX/XXXX. If SANTANDER sold my account to a creditor the amount for the charge-off is incorrect. For 6years and 8day I have requested numerous times for my account to be audited for the XXXX purchase of the car to XX/XX/XXXX. I sent numerous letters to the legal dept asking to audit my account. I asked for numerous supervisors and was told by several representatives that they were going to email the executive office. I have been locked out of my online account and all my calls are going straight to the executive office instead of the regular customer service. I called XX/XX/XXXX after a dispute was place to all 3 credit bureaus. My calls are going to the lost department. I even requested XX/XX/XXXX with my cousin on the line to fly to the corporate office to sit down to speak to someone face to face. I was told XX/XX/XXXX that there was no one that I could speak to face to face. Last payment was XXXX. What Santander reported for this charge off is incorrect.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A