Date Received: 2021-12-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: SECOND TIME DISPUTING FRADULENT ACCOUNTS THAT ARE APPEARING ON MY CREDIT REPORT. Once again I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: OH
Zip: 43211
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The account was close with santander consumer usa and they are still reporting it under XXXX and its affecting negatively on my credit report. The account was open XX/XX/XXXX and it was closed XX/XX/XXXX Account ; XXXX this was reported a few months ago and it was advise that it was removed back in XXXX but now im showing that on XX/XX/XXXX that santander is still reporting this information to XXXX..i included XXXX on this complaint as well because i spoke with them and was advise that they want be able to remove it until XX/XX/XXXX because of what was reported by santander. The other 2 credit bereau has removed it from my credit report & XXXX is the only account where santander is showing up for. A fair decision would be for santander to be removed from off of my XXXX credit report immediately i also have attach a copy of my credit report that shows proof of the 2 major credit companys which is XXXX & XXXX removing the information from my report.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On or about XX/XX/XXXX, I Went to XXXX XXXX on XXXX XXXX, XXXX XXXX XXXX Missouri XXXX to lease a XXXX XXXX XXXX. I was allowed to leave the lot with the vehicle for 7 days pending the approval from Santander Consumer USA Bank. I was contacted 7 days later by XXXX XXXX, a sales associate and told via text I was approved and to come and finish the paperwork. About 15-20 days later I was contacted again and about additional paperwork. I submitted all that was asked for. I was told Santander rejected my bank statements and social security award letter. Eventually I was told Santander rejected the loan. I contacted Santander myself and recorded all conversations between myself my granddaughter and Santander bank. Santander said they never rejected the loan the requested my bank statements and Social security award letter. I explained that I was told by XXXX XXXX that Santander rejected both my statements and Award letter. I was then given a email to send the items over directly and was asked to stay on the line so santander could call XXXX XXXX and request the deal be sent back over. XXXX XXXX has not responded. Santander has attempted to contact XXXX XXXX multiple times. I contacted XXXX XXXX about sending the deal back to Santander. I spoke with a couple people at XXXX XXXX and was told I needed to go back to the dealership for them to send the loan back. When I replied I shouldn't have to go back for them to send the deal back and has never been made to go back for XXXX XXXX to send the deal back to Santander or any of the banks they sent the deal to extremely negativly impacting my credit score even after knowing Santander never rejected the loan but XXXX XXXXXXXX continued sending my deal to other banks and getting rejected. Some of those bank received my deal more than to once to run my credit further damaging my credit score. I've asked numerous times why they won't send the loan back to Santander and was eventually told the car was reported stolen the police have been called. I have been contacted numerous times by different sales associates finance XXXX XXXX and so forth with threats. I've been told the care is being GPS and told exactly where I was, at the time. When I asked how long have they been tracking me I was hung up on. I was told by Santander the check stubs and Social security award letter has never been sent over by XXXX XXXX. The did not get that information until I sent those forms of documents to them myself. I verified that through multiple Santander bank financial department reps. I was told by XXXX XXXX if I bring the car back they would give my full down payment back. The contract states they charge {$0.00} a mile. When I asked about that I got no response. I also stated to many that called about the damage they had done to my credit score running my credit with multiple banks after know I was never rejected by Santander bank. I never got a response about that as well. I have no reason to trust this dealership ap face value because of the multiple lies harassing phone calls, in some cases back to back after they found out I've filed a complaint, and illegal measures and lengths they are attempting. I have also been made aware of multiple complaints with the XXXX as well as dozens and dozens of reviews of the same tactics and others from multiple review sites. Court documents show settlements out of court. One of the complaints that went to court and settled out was someone that also did a review and had the exact same thing done to him as is happening to me. I believe XXXX XXXX never intended to lease the car to me but infact intended/intending to scam me out of my money further damage my credit so I can't go anywhere else and have me owing them more money. There is no other reasonable explanation for the multiple people seemingly being scammed whom posted reviews, my deal not being sent back to the bank, my credit being damaged, the harassment, and all of the above. XXXX XXXX should be fully investigated. The reviews show this behavior started just as the covid-19 shut down occurred. It needs to be investigated weather or not XXXX XXXX is facing or already in bankruptcy. I have many many documents texts and videos to support all that I've explained.
Company Response:
State: MO
Zip: 64130
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/21 finance : I went into a car dealership with a check in my hand from my credit union to purchase a vehicle I didnt need any assistance from any outside companies so I dont understand why all these companies are on my credit report.
Company Response:
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On or around XX/XX/2021, I contacted Santander Consumer USA about having troubles making my payments. A few months ago, I had to have an operation due ; however, my insurance didn't cover the operation and I was forced to pay out of pockets expenses. I contacted Santander and informed them of the situation. The representative agreed to push back my loan due date and my credit wouldn't be affected. I made the agreed payment and have been current since. Santander reported I was late, when we both had an understanding that I would make a payment next Month. At no time was I aware my credit would be reported as late. Since all calls are recorded, I ask that someone replay the phone calls and hear the conversation.
Company Response:
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX I have invalid inquiries on my report and XXXX has not helped me at all and they did not remove these inquires. They are the worst credit company to try to get help from with your credit. They keep asking for letters to be mailed, which I think someone is using my ssn # as I am sending mail to XXXX. XXXX has helped me and they are still working to remove credit inquiries. XXXX I have no problems with them at all.
Company Response:
State: MI
Zip: 48310
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My loan matured on XXXX XXXX I knew I had about {$1500.00} in late fees accrued on loan. I contacted Santander before loan matured to try and see if late fees could be negotiated to be able to pay off loan on time. I was advised no that would not be an option for me. Once loan matured, I was able to pay the balance owed on loan on XX/XX/21 Balance {$940.00} so that I would only be left w/ late fees to pay later since I did not have the money at this time to pay them. On XXXX XXXX I found out due to credit reporting that they reported me over 30 days past due for principal they state I still owe of {$440.00}. I again contact Santander XX/XX/21 spoke to a representative by the name of XXXX. I requested the amount applied to late fees XX/XX/21 of {$430.00} to please be reversed and applied to balance owed. So that I would only owe late fees to pay at later time. Per her supervisor she was advised that would not be able to be done. To my prevail prior to this effecting my credit I tried to work w/ Santander In negotiation w/ late fees and I was turned down. After what I thought, I had finally finished paying off my loan they are still maintaining my loan accruing interest, accruing late fees and reporting negative on my credit. I believe Santander is in violation of credit reposting on my account and for not wanting to rectify this matter and refusing to work a possible resolution on late fees before all of this occurred. I have enclosed all supporting documents.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/21, I was approved by a lender ( Santander ) and I accepted the approval and sent in my {$500.00} deposit. Days had passed and I finally got the contract via email and signed the same day on XX/XX/21. On XX/XX/21, I received the paper contract and returned on XX/XX/21 with my {$1500.00} deposit wire. I received an email on XX/XX/21 saying the purchase was complete and the vehicle was on the way and should be to me by XX/XX/21. I received the vehicle early, surprisingly, on XX/XX/21, and headed out of town. On XX/XX/21, I got an email and call saying the finance application was denied because they ( XXXX ) did not get the paperwork to the lender in time. They then wanted to add 4 points to the interest rate or take the vehicle back. I did my study and contacted an attorney plus the XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, and was told by each of them that once the contract is signed by both parties, legally, XXXX must abide by those rules, and the vehicle is mine. I also had a trade-in on the deal, but my trade in vehicle is still sitting in my lot and I still have to pay insurance on it etc. Since then, I have heard NOTHING from XXXX. I also have not received my registration or permanent tags, and have not received any update.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never signed the contract for the loan on this vehicle. My signature on the contract would not be my signature if I did not sign the contact. This account was open by fraud and Santander was under a multi-million dollar class action lawsuit for very similar practices. The account was sold to XXXX XXXX in which I never received anything in the mail advising me of these details. I do not have a contract with this company as well. I have attempted to make contact several times and disputed with the credit reporting agencies as well.
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
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: This loan was paid off on XX/XX/XXXX and was posted as a withdrawal on my account on XX/XX/XXXX. I called the lender, Santander Consumer, on Wednesday, XX/XX/XXXX to find out when I would receive the title to my vehicle. They told me it would be sent out via USPS the next day on Thursday, XX/XX/XXXX from Texas. I had purchased another vehicle from a dealer who gave me a reasonable offer to purchase the vehicle I just paid off. I explained that the offer from the dealer was only good until XX/XX/XXXX and I needed the title to sell my vehicle. The person at Santander explained it would be mailed XX/XX/XXXX and would be here by XX/XX/XXXX. I have not received my title as of today, XX/XX/XXXX and my offer has expired and I will most likely lose out on money. What can I do you get my title for my vehicle? The representative at Santander obviously gave me false information, because if they indeed sent it out XX/XX/XXXX, I should have received it by now.
Company Response:
State: CA
Zip: 90713
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A