Date Received: 2021-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. SANTANDER XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX ) SANTANDER XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX ) SANTANDER CONSUMER USA XXXX XXXX opened XX/XX/2015 Balance {$0.00} XXXX ( XXXX )
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. XXXX XXXXXXXX XXXX XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2015 Balance {$0.00} ChargeOff ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2015 Balance {$0.00} ChargeOff ( EX )
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Santander took and sold my car against my will in XXXX. I've reached out several times to see who it was sold to and how much it was sold for. I've never received the proper disclosures pursuant 16 cfr 433.1. I do not agree.
Company Response:
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Santander Consumer USA has closed my complaint out and I dont not agree with this action they have in fact discouraged me the consumer I also dont agree with the unlawful adverse actions taken against me the consumer during this consumer credit transaction Santander Consumer USA has in fact deliberately stalked, harassed, and invaded my privacy by using unlawful Gps tracking devices and by having non affiliated persons track my exact geographical location these individuals are not in any type of tow truck vehicles and dont have any business decals on these vehicles they can be seen in regular cars scanning license plates these individuals dont have any license to tow vehicles these individuals are in regular cars driving around following consumers home without any type of search warrants without consent from the consumer without informing the consumer without real proper tow truck vehicles and without a business license required by the United States also police reports and identity theft reports have been filed in Tennessee and Texas for these unlawful individual actions and for breaking state privacy laws in two or more states
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Santander USA is the company that currently is reporting my vehicle loan information. On XXXX they state the loan was opened on XX/XX/XXXX. I NEVER opened a loan on XX/XX/XXXX. They are reporting inaccurate payments history to XXXX and XXXX. I also never met/contacted/nor spoke to anyone from Santander. Vehicle was not purchased from Santander. Santander and XXXX XXXX of XXXX fraudulently shopped my information causing XXXX hard inquiries to XXXX and are reporting all incorrect information. This has caused undue hardship on myself during XXXX and XXXX XXXX, caused financial issues as Santander repossessed my vehicle incorrectly on XX/XX/XXXX. I have receipt of payments with zero notification of late payment. Santander only shows statements from XXXX XXXX-present, yet reports XX/XX/XXXX as start of loan. They are reporting inaccurate information continuing to tarnish my credit profile, refuse to remove 35 inquiries I did not consent to on XXXX, and continue to report false date of purchase of vehicle. This needs to be removed immediately along with compensation for entire purchase and payment amount including downpayment amount. I have also been required to pay out of pocket for insurance monthly at price of {$450.00} for vehicle when the lender should have included insurance payment for this at time of purchase.
Company Response:
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Consume USA is reporting on my credit report as a past due balance on an auto loan that was totaled. Santander entered a class action law suit. Santander practiced predatory loans to consumers in several states including the state that my loan originated from which is Pennsylvania. I sent a letter to Santander Consumer USA on XX/XX/2021 asking them to remove this loan because for one, I am apart of the consumers that are to receive proceeds from this lawsuit and two, Santander is still reporting a past due balance on a charged off collection account which is a violation under the FCRA. Santander has yet to respond to my request. Please have this account removed as I am in the process of buying a home.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
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: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. XXXX failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response:
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2021 a final payment for {$8600.00} was sent to the Santander Consumer USA, to date the account has not been reported as paid in full. I have repeatedly asked for the title to date no title. I have made several disputes on my credit report and the account to date remains open. This account was paid in full on XX/XX/2021 it is now XX/XX/2021 and there is no update on my account.
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I submitted a debt validation letter to Santander USA, requesting proof that I lawfully owe them this debt on XX/XX/XXXX. I gave them 21 days to respond, in which they did. In their response, they did not provide me with sufficient documentation that this debt is owed to them. I also asked for 30 days to investigate their information, with a cease and desist command so that I can investigate this information with less stress. This company did not honor my request and began calling again on last Tuesday. I have proof of the phone log that I am providing here as well. This debt has ruined my entire life, my credit and my financial status. I have had a hard time getting adequate housing due to this false and misleading information that appears on my credit reports and robs me blind each month. My interest rates have skyrocketed and I'm asked to place more money on housing and deposits on utility bills and other needs. This situation has ruined my health and has caused major stress in my life. Im afraid I will not have a place to live or even transportation, as Im in fear of not being able to transport in the way that is necessary to secure a living wage. I humbly requested that Santander Consumer USA provide me with adequate proof that I owe the debt, pursuant to Title 15 US Code 1692g. I received no information that proves that any debt is owed to this company. In fact, pursuant to Pursuant to 15 U.S. Code 1692a ( 4 ) and 15 U.S Code 1602 ( g ), the documentation provided proves that I am the original creditor who has extended credit to this company. I have documentation that I will provide that adds up all of the dates and code violations from this misleading debt that has been placed on me as a obligation.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander Consumer USA knowingly and willfully violated Federal Regulations as they charged off my account at not even 60 days past due after I volunatrily surrended the vehicle to them. At the time of surrender, the loan was only 18 days past due. They sold the vehicle approximately a month later and then, despite what the federal regulation stated, they went ahead and charged off installment loan at about 62 days deliquency ( see XXXX credit report screen shot to reinforce )
Company Response:
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A