Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Called XXXX - Stating that late payments stated on the credit reports are not accurate. You guys stated that you would delete the late payments due to malfunctions on your end and the issues that customers are having due to covid. I was laid off not long after the car was purchased. Obtain employment and then in XX/XX/XXXX the company closed my department and was laid off again. Obtain employment in XX/XX/XXXX but was laid off in XX/XX/XXXX due to Covid-19. During these times I tried my best to stay-a-float doing odd jobs. Then I caught XXXX and was very sick. I had to have an XXXX and I think that XXXX saved my life. Got better and worked odd jobs again. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not as bad as the first time but I still have a XXXX XXXX XXXX to XXXX. Then Obtain another job in XX/XX/XXXX but was laid off again in XX/XX/XXXX due to the supply chain issues caused by XXXX. The company wasn't able to produce it's products due to the lack of computer chips it need. Please remove all late payments from credit report. The late payments are severally damaging my financial well being for the future and present.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: SANTANDER CONSUMER XX/XX/2018 amount is {$14000.00}. i have sent FTC report and police report. XXXXXXXX XXXX XXXXXX/XX/2018 {$13000.00}, XXXX XX/XX/2018 {$760.00}
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: CFPB COMPLAINT AGAINST SANTANDER Account Number Ending In : XXXX VIN # XXXX First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by Santander. The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. Santander was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.
Company Response:
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: It has come to my attention that CHRYSLER CAPITAL/ XXXX XXXX did not disclose certain vital facts in regard to the consumer credit transaction. Pursuant to 15 usc 1605 ( a ) ( 5 ) the finance charge includes insurance in which I had to purchase, and it's in the sum of all charges. Also, under 15 usc 1635 ( a ) I the consumer was not informed or provided documentation of my right to rescind on the transaction. I was rushed into a car the day of purchase without any knowledge or documentation of the rescission paperwork, nor did I receive it in the mail. I had to pay for insurance out of pocket and insurance is supposed to be in the finance charge which is also the sum of all charges why am I being charged interest, late charges, Security interest, service and handling fees and also a service contract fee? ( See paperwork attached ) This is a VIOLATION of my rights its wrong unjust and it has caused me stress from all the letters and phone calls. I've even received a letter stating that CHRYSLER CAPITAL will accelerate the maturity of the outstanding debt Pursuant to 15 usc 1692c ( c ) ( 2 ) I'm invoking my specified remedies as the original creditor and refusing to pay this alleged debt and demanding you CEASE AND DESIST any further communication ( by phone/mail ) including automatic phone call system you have calling my phone more than once or twice a day. Unless in response to notify demands have been met. . Pursuant to 15 us 1635 I have the right to rescind this contract
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern, While checking my most recent XXXX and XXXX credit report, I noticed multiple inquiries that I did not authorize to pull my credit report. The inquires were made by the following companies : I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting 15 uscAct Section 1681b ( c ) and a serious breach of my privacy rights. MY CLIENT PUT A CREDIT FREEZE ON HIS CREDIT REPORT ANY unauthorized inquiries SHALL DELETE immediately XXXX and XXXX DID NOT REMOVE ALL UNAUTHORIZED INQUIRES AS THEY PROMISE AND NEED TO REMOVE ALL UNAUTHORIZED INQUIRIES. THEY DID NOT DO ANY investigation VIOLATE LAW 15 USC 1681b 15 U.S. Code 1681d - Disclosure of investigative consumer reports 15 U.S.C 1681 section B ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
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: On XX/XX/XXXX I filed dispute regarding 30 day past due on credit report with Chrysler Capital back in XXXX. This was the only negative mark on a lease that terminated XXXX XXXX Credit reports for all three companies reported for myself and my wife that good standing and closed with no amount owed. I get email back from experian saying dispute is complete and we have owed Chrsyler Capital XXXX $ for since we turned in the vehicle XX/XX/XXXX. We never received a notice after XXXX which was the wear/tear letter from them and paid them the XXXX owed. We have not received any phone calls, letters stating we owe money or collections. We have bought two cars and a house since then and nothing on our credit reports. When talking to Chrysler Capital they are stating that they always have reported this and all three credit reporting companies did not report it. They are demanding the XXXX, which I payed on XX/XX/XXXX to stop the hemorrhaging on our credit report. I am trying to get them to remove this from both mine and my credit report but they are saying federal laws says that they have to report this. I find it unethical that after 4 years without any contact that they can just claim we owe back money and put it on our credit reports. We moved three years ago and this was not on our credit. We have bought two cars and its not on our credit. Chrysler Capital stating they are going to do an audit to see what happened. I'm so upset as if we had known 4 years ago we would have paid it instead of it popping up on our credit report 4 years later. I am also filing complaint with State of Mi attorney general and XXXX. Companies to report credit history correctly and if we had owed the money reported it correctly so we knew something was not right 4 years ago
Company Response:
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX continues to report fraudulent information on my credit report. I have disputed several times to no avail. They are in violation of the FCRA.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to find a vehicle after i was in a wreck. Santander Consumer USA was the only lender to extended a loan at the time because my credit was still showing the totaled car. I expressed that the insurance company was paying the car off and i would not be owning XXXX cars. At the time my credit was not bad at all it was in the mid XXXX however Santander assessed an APR OF 19.28 % which is ridiculous. I didn't have to put any money down on the vehicle yet the interest rate was through the roof! Now XXXX i have experienced hardships of which i advised them of and they still refused to work with me. Even saying that i need to pay more than the current payment although I expressed to them that i am currently facing eviction! I have tried to work with them and pay them to prevent me from being homeless and without a car. They called me everyday after i told them i would pay them when my car note was due. At this point its harassment. I am being stressed out from the thought of a car being repossessed and rightfully so i feel as if i have paid the car off twice if not XXXX times!
Company Response:
State: MS
Zip: 39180
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have been dealing with problems with this corrupt company since the global covid pandemic started in XX/XX/XXXX. I lost my jobs at that time ( and also thru out XXXX, XXXX, XXXX due to being in XXXX XXXX and retail ) .I reported this company numerous times to XXXX ( They have a government red warning on the buiness link on the XXXX for this company ). I was also contacted by XXXX XXXX XXXX XXXX regarding the complaint against this company. They wanted to hear my story. The XXXX has received almost XXXX complaints in almost 3 years regarding SANTANDER CONSUMER USA. They were sued in a {$550.00} M class action suit which I received a post card in the mail saying I was including in this class action suit ( got no help like I was supposed to and received a {$250.00} check ) .They were being sued for unlawful consumer financial practices= giving loans that people could not payback, interest rates that were sky high.This company has the worst customer service reps, They would rather be rude, Then help you come up with a reasonable solution to pay and keep the car.They sent private investagators to follow my car ( They knew where I lived, They could've picked it up at where I lived- I always made sure I did call the company so they didn't think I was " hiding '' the car. They repoed my car while I was in the grocery store XX/XX/XXXX. I had just dropped my mother off for XXXX XXXX XXXX. I then had to jump through hoops trying to get my car reinstated. They made me pay double of the amount I owed for missed payments, The tow company also took pics of personal documents that were in my car including my birth certificate, ss # on private papers, other personal information that could lead to Identity theft ( I had asked them over the phone not to do that, They said they had to ) .I would get letters sometimes threatening they would repo my car again stating I owe whatever amount, which wasn't adding up. They weren't applying my payments to my car payments, They were putting towards interest and late fees that they tacked on my contract during the year of the global pandemic of XXXX. I had reached out to customer service multiple times for economic hardship help, They said they will look into it. They had someone only once or twice reach out to me regarding the help and Everytime I called, The business hours said they were closed ( I only had cell service when I would get to port sometimes while traveling at sea for XXXX XXXX XXXX ) .I then asked customer service if someone from hardships could email me, so I could communicate and come up with arrangement and they denied me that service.I then reached out to XXXX again, The attorney general of Florida and Finally the Attorney general of Texas who acknowledged complaints against this company. They gave me the number for the Federal Trades Commission which now I contacted=writing this complaint. I just recently = end of july received a letter in the mail from Santander Consumer stating that after a recent file review, They determined my account was due for a refund of {$26.00}. So If I was so behind on these so called payments, Why would they send me this letter saying I'm due for a refund? This morning ( XX/XX/XXXX ), They repoed my car. I called and was transferred to a rude lady who basically said " your car was charged off ( no one told me this ) and you now you have a negative mark on your credit. Also you owe the back payments plus towing fee, but at this time we are not willing to offer you to pay off that amount or reinstate the contract. To get the car back, You must pay in full {$8000.00}, plus tow, and all these other fees that apparently added up to another {$400.00}. " She then proceeded to tell me addtional fees that made no legal sense to me, basically added up to {$12000.00}. I told her no way do I have that money when I now live under poverty class level due to the ecomony here in XXXXShe offered no solution other than to tell me that if I want my personal property, to call the XXXX XXXX and they will give it to me for free with an appointment. This company is heartless, They prey on consumers to give them high interest rates, high car payments and make them struggle just to keep the car.I want something done against this company. This is a type of fraud practices to get consumers into car loans that aren't even affordable.They should of gave me the option to pay missed payments and get the car back. They are ruthless and report false things on your credit report, but do not report when I was making payments.
Company Response:
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've disputed the inaccurate information on my consumer report but it has not been changed and is currently in dispute Pursuant to 15 usc 1681a ( 3 ) This company assumed this role without permission not only that This company did not have my consent. This company did not respect my privacy which is under 15 usc 1681a ( 4 ). This company did not exercise their grave responsibility,. This company was unfair partial, unjust, and careless. Pursuant to 15 usc 1681b ( 2 ) this company never had permissible purpose. I never instructed anyone from this company to furnish this report and I never consented to the reporting in the first place. What I demanding right now is that the company delete this account/report immediately within 4 days.
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A