Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A fair solution would be to fix the errors on my report especially the late fees that already have been paid in full!!!
Company Response:
State: LA
Zip: 70601
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: **************LOAN VALUE REQUEST FOR THE XXXX XXXX XXXX **************** On XXXX I purchased a vehicle from XXXX XXXX XXXX XXXX XXXX IL . Financed by Santander USA. I am a victim of PREDATORY LENDING! I am requesting the LOAN VALUE on this XXXX XXXX XXXX. I have attempted several times to reach your underwriting Dept. I have been hung up on twice by your office. Your office states you Santander USA does not have an Underwriting Dept or a Compliance Dept. Santander per your response back to CFPB You do have an underwriting Dept but NOT available for customers by phone. Please have your UNDERWRITING DEPT contact me by Email, written correspondence, Phone with a LOAN VALUE ASAP! THIS REQUEST IS FOR THE LOAN VALUE OF THE XXXX XXXX XXXX THAT I HAVE BEEN CHARGED {$26000.00}. Who approved this loan? Who is managing the underwriting dept? XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60448
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My car payments are $ XXXX. My last 3 car payments were XX/XX/XXXX for {$300.00}, XX/XX/XXXX for {$370.00} and XX/XX/XXXX for {$270.00}. They were all above my {$260.00} requirement. I was making payments but I did miss some payments due to low income and hardships. I requested help many times but instead they called me every day multiple times a day attempting to get a payment. They claim my account was brought current and that they gave me an extension in XX/XX/XXXX but that was not reflected properly. Something doesnt add up. XXXX XXXX is my lender and my loan is for a XXXX XXXX XXXX. The XXXX was repossessed without my knowledge on Wednesday XX/XX/XXXX. 3 days ago. They are not giving me an option to get caught up to make the account current. They are requesting a full payoff. They repossessed the XXXX while I was out of town abs left me stranded at a grocery store while I was in the middle of completing an XXXX shopping order. I use my XXXX for XXXX deliveries. My XXXX was taken without my knowledge that they were tracking my location and I wasn't contacted or notified by either mail or phone that this was about to happen. I did get calls from them while I was at work and was unable to take their calls while I was working but I didn't receive a letter from them that this was going to happen. I was told by Chrysler Capital that they sent me ap letter for this clear back in XXXX of XXXX. But that was for a totally separate occasion. How can they count that as proper notice? That was nearly 1 year ago. When I asked how far behind I was they told me I was 108 days past due and that the XX/XX/XXXX payment didn't count because it went towards the past due amount and they also told me that all of my payments I was able to make went to interest only and not to pay down my balance. I originally put {$10.00} grand down on my vehicle and they act as if that doesn't even exist and doesn't matter. I do not know everything but I definitely feel like I've been blindsided. I was also told that my vehicle had been transferred to XXXX, Nebraska which is closer to where I live and when I arrived to pick up my personal property inside my XXXX including my bipap machine which is a medical necessity when I sleep at night. They told me that my XXXX was still down in XXXX, Nebraska and now i have to wait the entire weekend for them to get my vehicle up to the XXXX location for me to get my belongings. So they lied to me on the phone about the location of my XXXX abd they are withholding my medical equipment plus the rest of my belongings inside my vehicle. And I had an XXXX customers groceries in the back of my XXXX at the time of repo as well. They told me it would be Monday before they could have my vehicle brought to Omaha.i was also locked out of my Chrysler Capitol mobile account so that I could not view my transaction history or my account. When I asked the guy on the phone why I was locked out he said he didn't know why I was locked out and that it was very unusual. I asked for an entire payment history and I was told by a lady that she was going to email it to me. That didn't happen either. I'm locked out of my account so even if I did get a message I'm not able to log in and see it.
Company Response:
State: IA
Zip: 51503
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter,
Company Response:
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
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: This complaint is regarding XXXX 's inability to effectively dispute a item on my credit report that is being reported by Santander Consumer USA XXXX. Santander Consumer USA sold my debt to XXXX XXXX XXXX XXXX XXXX, who agreed to remove the item from my credit report after I paid 50 % of the debt. I paid 50 % of the debt in XXXX automated installments but Santander did not removed the item off of my credit. Instead, they updated my account to {$0.00} owed and partially paid off, which was updated by XXXX twice within the last 7 days. This seems like double jeopardy. Santander sold the debt to XXXX XXXX but is still actively holding the credit item on my account. XXXX XXXX agreed to remove the item of I partially paid, and I did. Now, I feel like I was either manipulate by this company, which seems very unethical, or Santander is being allowed to sell the debt but refuse to comply with the agreement. I will attached a copy of the agreement and a screen shot of the {$0.00} balance reflected on my credit report. In this case, who is the legal owner now? Santander or XXXX XXXX. Santander must comply with the terms that were made after they sold the debt.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: NY
Zip: 10301
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX credit report. My latest credit report credit inquiry/inquiries that I did not authorize.
Company Response:
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Someone applied for a car loan with my ssn
Company Response:
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a copy of my credit report and noticed all of these Auto finance inquiries I didn't authorize : XX/XX/22 XXXX XXXX XXXX XXXX XX/XX/22 SANTANDER XXXX XXXX XX/XX/22 XXXX XXXXXXXX AUTO XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX - XXXX XXXX
Company Response:
State: TN
Zip: 37172
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A