Date Received: 2021-12-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: according too 15 U.S codes 1635 ( b ) Return of money or property following rescission. ( downpayment ) {$250.00}
Company Response:
State: KY
Zip: 42003
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This letter was sent to all theree Credit Agencies XXXX XXXX, XXXX XXXX XXXX ) also the XXXX XXXX for XXXX XXXX XXXX : Heres the class action lawsuit against Santander : https : //santandermultistateagsettlement.com/Information-for-Consumers I recently pulled my credit report from XXXX and I noticed a big discrepancy on my credit report. The report from Santander Consumer USA is in correct. As you can see below the report says that the account is closed and has been closed since XX/XX/XXXX. The monthly payment shows 0 dollars. How is it reported that a payment was made on this account on XXXX XXXX. This is a clear violation of the FRCA and this account should be deleted from my credit report immediately. I have attached a copy of my original copy of my vehicle purchase contract from XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, CA. It states nothing of the financing of this contractual agreement being finance by XXXX Santander Consumer USA ). On my credit report its states that the the creditor is ( Santander Consumer USA ) and that is incorrect information on my credit report. I would like the ( Santander Consumer USA ) information removed from my credit report. I have also sent a copy of the official letter I sent with the complaint I files with the XXXX XXXX XXXX against XXXX Santander Consumer USA ) because of there predatory lending practices, that they have a 34 state class action law suit for predatory lending. I am requesting that the ( Santander Consumer USA ) account information be removed from my credit report. Heres the class action lawsuit website : https : //santandermultistateagsettlement.com/Information-for-Consumers? XXXX Also I would like a new credit report sent to me showing that this incorrect reported account was deleted. SANTANDER CONSUMER USA Reported : XXXX. XXXX, XXXX - {$10000.00} Closed Overview You have 63 % left to pay on this loan. Balance {$10000.00} Highest Balance XXXX XXXX Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( 7 yrs, 4 mos ) Term 81 months Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late 0/0/0 Closed XXXX XXXX, XXXX You have a dispute in progress DIRECT DISPUTE We've sent your dispute request to XXXX XXXX, and we'll let you know when it's complete. CHECK DISPUTE STATUS Creditor Information SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you for addressing my concern of this important matter. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX I went XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX to conduct a consumer credit transaction for a vehicle. I ended up being told I could only get a XXXX XXXX XXXX XXXXXXXX XXXX. XXXX5 USC 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge should have been my only obligation owed for the XXXX XXXX. The finance charge came up to {$12000.00}. During the course me fulfilling my obligation to the loan holder Santander Consumer I fell upon hard times. I fell behind on payments and was unable to catch up. Even though i paid the finance charge plus more on XX/XX/XXXX my vehicle was repossessed by an unauthorized third party. On XX/XX/XXXX I received a letter from Santander Consumer stating they sold my vehicle and I still owed {$13000.00}.
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ACCOUNT OPENED XX/XX/XXXX CAR WAS TOTALED ON XX/XX/XXXX CLAIM WAS MADE WITH XXXX XXXX ON XX/XX/XXXX THE THE REMAING BALANCE OF THE VEHICLE TO CHRYSLER CAPITAL WAS PAID ON XX/XX/XXXX SETTLEMENT VALUE IN THE AMOUNT OF {$28000.00}
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
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: On XX/XX/XXXX, I sold a XXXX XXXX XXXX Unlimited that was financed through Santander Consumer USA. A bill of sale and a Cashier 's Check for payoff was Priority Mailed to the Corporate office. Santander Consumer received the payoff on XX/XX/XXXX. They didn't release the title until XX/XX/XXXX. The people that bought the XXXX are asking for the title. I called on XX/XX/XXXX to request a duplicate title, the manager said that the title was mailed out on XX/XX/XXXX and that i would have to wait. I requested the title be delivered by today. They refused. I don't feel that they should wait a week before releasing the title and I want it rectified ASAP. I will never recommend or use Santander Consumer USA.
Company Response:
State: IN
Zip: 474XX
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-24
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I entered a consumer credit transaction on XX/XX/2021 with Chrysler capital I was approved for a 2021 XXXX XXXX XXXX online the website instructed me to take my approval to the dealership I picked which was the XXXX XXXX and XXXX in XXXX, mi. I went to the dealership I was told by finance manager I was denied. I contacted Chrysler capital and they sent me a letter stating I was denied for insufficient credit history. They violated Regulation B CFR 1002.4 as it prohibits discrimination regarding any aspect to a credit transaction
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2021-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. DRIVE XXXX BAL {$6800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX van. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.
Company Response:
State: AZ
Zip: 86406
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Contacted XXXX XXXX in XXXX Nevada to purchase a XXXX XXXX XXXX. I was lead to believe the vehicle was in stock and that we were working a deal on a vehicle they have. I told the dealership that I had my own financing through XXXX XXXX XXXX XXXX and a preapproval letter through XXXX XXXX but they are high interest and that I do not want to use them. The sales person asked for my social to verify my preapproval and that he may be able to get me a {$1000.00} rebate from Chrysler capital. would not be a hard inquiry. I do not want inquiries on my credit and would not sign anything allowing so. nothing was presented. Then they told me they have an approval through XXXX XXXX. They ran my credit to 5 banks without my approval whatsoever. nothing signed. nothing allowed. with very clear instructions not to do so. They Lied and according to their online reputation I now see that this scammy behavior is common practice. on top of that they sent a purchase order, asked for a deposit and secured it for purchase. then when it came in lied and said it was damaged and it was really sold.
Company Response:
State: AZ
Zip: 86406
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My car was salvaged my insurance paid everything. Why is this on my credit report. This is being reported on my account with out my consent. If there was a debt that I owe to this company I would pay it but this incorrect information being reported. I also never have been late on a car payment. This is defamation of character.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A