Date Received: 2021-12-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXXXXXX XXXX XXXX XXXX to have the inquiry removed from my XXXX account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Company Response:
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and Santander Consumer to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XXXX/XXXX/2021, XXXX/XXXX/2021.
Company Response:
State: CA
Zip: 92780
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this account more than 45 days ago Directly with SANTANDER FINANCIAL Im sending the letter Santander Sent me as a prove. ( Attached ) I did A dispute with XXXX : no solution, no changes Im really frustrated paying everything trying to do the best I can to raise my credit score please I need assistance to delete or change this in my credit report. Thank you. XXXX XXXX
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
Company Response:
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
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: My wife and I paid off our auto loan with Chrysler Capitol on XX/XX/2021, 30 days went by and our credit was not updated and we did not receive our title. I was advised by the supervisor I was speaking to that she would put in a request to have the credit updated. The account was closed on Chrysler Capitol 's end so if I did not call in and escalate our credit would not have been updated in accordance with the fair credit act. Also upon speaking to the supervisor she advised me the title was sent to my wife 's address in XXXX. I immediately corrected her and said my wife and I live together. I explained I called in 6 years ago when we purchased out new home to update the address on our account. I then started receiving monthly billing statements, delinquent notices and other account correspondences to our new address. The supervisor advised me that it is company policy to only updated the information of the person we are speaking to. I explained I advised the rep I spoke to 6 years ago never advised me my wife had to call in and told me the account was updated. I the consumer do not know all Chrysler capitol 's procedures and it is the responsibility of Chrysler capitol to inform me my wife had to call in. Now our account went compromised for 6 years all our personal identity information and account sensitive information went to whomever lives in that XXXX house along with our car title. My wife and I now have to worry about both title fraud and identity theft. Lastly since my escalation to the appropriate department and leadership a new title has not been submitted to my wife and I. I am extremely concerned over who may have our car title and Chrysler capitol is not taking steps to get a new title out to us and also to ensure the title is not subject to fraud. My wife and I are expected to handle the situation with our state 's DMV bearing all the inconvenience and problems caused by Chrysler Capitol.
Company Response:
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/20 I checked my personal credit report and noticed multiple inquiries to the following companies. That I did not authorize to. The companies are listed below. XXXX XXXX XXXX XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these companies and this is fraud.
Company Response:
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened an auto loan with Santander Consumer USA for a used car in XX/XX/XXXX. I had to voluntarily surrender my vehicle due to XXXX in XXXX. I made a settlement agreement with the company to pay {$2500.00} within roughly 18 months. I recently paid off the closed account, in full of the {$2500.00}, on XX/XX/XXXX. The balance should be {$0.00} on my credit reports, but it is still showing that I owe a balance of over {$3000.00}. I have called each credit bureau to dispute the information and open investigations. I am in the process of mailing documentation to each bureau and Santander Consumer USAs credit department. Santander Consumer USA claims they reported the balance to each credit bureau but it does not reflect that whatsoever. I am not receiving the help I need to resolve this.
Company Response:
State: TX
Zip: 78130
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-04
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am filing this complaint because the auto loan issued by Santander for my XXXX XXXX XXXX has directly impacted me in ways that impacted the customers included in a {$550.00} XXXX multi-state settlement ( 34 states included ). In speaking with an individual at the Attorney General of Montana 's office in XXXX, I was advised that Montana did not participate in the settlement because their understanding was that not many Montana residents finance loans through the company. In XXXX of XXXX, my previous auto loan through Santander was dismissed through my XXXX XXXX bankruptcy ; therefore, we have continued to pay Santander the {$650.00} payment each month in good faith with the new loan. The only exception to making each monthly payment since securing the loan in XX/XX/XXXX was the COVID forbearance that was offered between XX/XX/XXXX XX/XX/XXXX. We have made around XXXX payments at {$650.00} each, totaling around {$15000.00}, yet the payoff amount is still around $ 29k. When I inquired with Santander about the similarities between this loan, the multi-state settlement and loan issue date of XX/XX/XXXX aligning with the settlement dates in XXXX, I was advised that Montana was not included, there was nothing further they could do, they do not refinance existing loans with a positive payment history, and they would be coming to repossess the car once we could no longer afford the payments. This led me to believe that they assumed the probability of default was high. Ironically, there was another settlement in XXXX for Santander violating the Service Member Relief Act. Santander repossessed vehicles of XXXX soldiers without a court order. Mississippi did not join the multi-state consumer protection violation settlement, so they filed one of their own and Santander paid out {$3.00} XXXX. This lender is predatory. The {$550.00} XXXX multi-state settlement resulted in the following actions that support my complaint : Santander is required to waive any loan balance for customers with the lowest quality loans who defaulted before XX/XX/XXXX and did not have their cars repossessed, up to a total value of {$45.00} XXXX in loan forgiveness Santander is required to test all loans that default in the future to see if the consumer had a negative income at the time that the loan was issued. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan Santander is barred from requiring dealers to sell ancillary products, such as vehicle service contracts The ways that the loan for the XXXX XXXX XXXX aligns with the settlement include : High fees/requirement of ancillary product The dealership advised us upon signing the loan documentation that that Santander required the purchase of a full warranty through XXXX XXXX as part of the loan, raising the loan and payment amount against the 21 % interest High loan-to-value ratio Due to the requirement of the warranty through XXXX XXXX and the 21 % interest, the loan-to-value ratio is too high to refinance the vehicle for a lower payment and interest rate to pay the balance down and sell. The purchase price was $ 27K, and the pay-off amount is now $ 29K, over XXXX years later after {$650.00} payments each month. I was pre-approved to refinance the vehicle at a 12 % interest rate through XXXX XXXX XXXX ; however, due to the loan-to-value amount, the loan was denied. The vehicle books for $ 18K, $ 11K less than the balance. High payment-to-income ratio Due to the {$650.00} payment, and the fact that we can not refinance the vehicle because of the high-loan-to-value ratio, we can not afford the increase in the cost of living across the country. We were told by the dealership that we would be able to refinance the payment and interest rate after consistent positive payment history ; however, XXXX years later that is not the case. As part of Santanders settlement, they are required to identify and monitor dealers that engage in deceptive business practices. Now that we have a baby XXXX years later, in collaboration with the market, and inability to refinance or sell the vehicle, we are in a desperate state of financial crisis, even with both of us having full-time careers. Due to the financial position that Santander has put our family in, I am hopeful that this complaint can help advocate for the few of us in Montana that fell victim to Santanders deceptive business practices and help us exercise our consumer protection rights. The situation has caused emotional strain in our family, contributed to our family being forced to sell our home and ultimately is ruining our lives.
Company Response:
State: MT
Zip: 59601
Submitted Via: Web
Date Sent: 2021-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A