Date Received: 2021-10-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Dear Sir or Madam, XXXX. XXXX Account Number:XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XXXX and XX/XX/XXXX. I immediately disputed this information with CHRYSLERCAP and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Their were hard inquiries on my credit report that were not authorized by myself. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SANTANDER CONSUMER USA- XXXX/XXXX/XXXX XXXX XXXX XXXX OF- XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response:
State: OK
Zip: 73012
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Consumer Usa date open XX/XX/2014 providing inaccurate information on my XXXX Credit report. The account does not belong to me. I have disputed several times. The company refuses to remove. This information has been deleted from other credit bureaus.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have written Santander Consumer USA and I have asked them to first validate a debt they are alleging I owe. Also I have noticed that they are trying to collect a debt in the state of North Carolina without the proper permits. I have contacted them on three occasions and they have not validated the debt. Also they say permit # XXXX Is valid in North Carolina but as you can see with attached they are not valid.
Company Response:
State: NC
Zip: 27705
Submitted Via: Web
Date Sent: 2021-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have a car loan with Santander Consumer USA for a car note in the amount of XXXX monthly for a lease term up to 32 months. Moreover, I've inquired about reducing amount and has yet to receive any responses. I recently got laid off and currently is seeking a new role for work. I'm currently behind 3 months of payment and would love some assistance in holding off repossession and/or allowing me to catch up with payments through payment plan orf reduction. I am currently undergoing a new job position and scheduled for fingerprinting. Underneath, you'll find the dates that were considered missed payments. This is my family car and is asking for leverage. Thank you! XX/XX/2021 in the amount of XXXX to Santander Consumer USA XX/XX/2021 in the amount of XXXX to Santander Consumer USA XX/XX/XXXX, XXXX the amount of XXXX to Santander Consumer USA
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Not sure if what I sent went through. Trying again to submit complaint. For 2 years I have been diligently working on obtaining an new home. I was approved for a home with credit scores in XXXX 's and above for XXXX XXXX. My next review of my scores will be in XX/XX/XXXX. My due date to make car payment is the XXXX of each month. In XXXX ( on or before the XXXX ) I received a call asking for payment. I sent {$490.00}. A few days later another call came in asking for payment and I sent another payment ( thinking that something went wrong with the first payment. Internet has been slow these past few weeks. So I contacted the company and asked for a copy of transaction history to see what had happen to my payments. I had the two confirmation text, but I was still getting calls so was concerned. I saw that I also had a email from fico.com stating that my credit rating had drop from Santander submission. I went to check and my Fico scores were now in the high XXXX. All three bureau had dropped my points by XXXX points. I was very upset and contacted Santander. I spoke to first Santander representative and she stated that my account was 30 days past due. I stated that my monthly due date was XXXX each month. She stated she did not see that in her system. I stated that it is in the system, because 3 years ago I requested the date change and it was approved so that my due date would fall near my pay date from work. I asked to speak with manager and a man name XXXX came on the line. He verified my payment date of XXXX ( employee ID XXXX ). I stated to XXXX that I had a copy of my payment transaction history from Santander for the last 2 years and it showed where I made 2 payment in XXXX ( which covered XXXX and XXXX ) within the 30 days time period and that this may have thrown off the count for them. XXXX referenced a XXXX missed payment, which I stated that that date was within the 30 day time frame as well and that that time period was marked over 30 days late as well in error. I asked if the mis-reporting could be corrected and he stated no that Santander does not make corrections to credit reporting on dates that fall out of the 30 day window. I stated to XXXX that for XXXX years, I have paid on time within the guidelines and at the end of the conversation I realized that this company did not want to admit their fault. I am providing the Santander transaction history for 2 years and a snapshot of myfico to show that every month I have pay within the guidelines and only have 2 past 30 days in which they are not past 20 days ( due date for payment is XXXX each month ). To say that I need this corrected asap is an understatement. For mortgages, the scores have to be XXXX and above and I was in the XXXX and high XXXX. I in turn need this corrected as I have done exactly what I was suppose to do.
Company Response:
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Santander fraud was opened on XX/XX/2020. I have tried contacting this company several times via affidavit of truth sent directly to the consumer relations department over the past year and they have not sent me the title to my vehicle or my information which has been reporting to the consumer reporting agencies, even after I have sent them numerous notarized documents proving that this alleged debt did not belong to me and was a part of identify theft.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
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: Ive had car with Santander/Chrysler Capital for almost 3 yrs I pay every month ( a ) nothing goes towards the principle, everything goes towards interest which I paid {$2000.00} inXX/XX/2021 and none went to principle ( b ) I pay every month and on my credit report there are a lot of inconsistencies, likeXX/XX/2021-ok, then XX/XX/2021- 60days past due ( c ) my balance Im still the same since the first day I got the car. I have disputed with XXXX and XXXX yet nothing has changed. I feel they are and have been taking advantage of me this entireloan, false advertising. Ive contacted Santander/Chrysler capital they are giving me run around not explaining or caring. I recently asked them for a copy of my payment history which I will attach when prompted to. Please look into this as I know they have recently been identified as loan sharks, taking advantage of ppl with outrageous rates, rates where ppl will never be able to pay their loans off through them. Please help, I am one of their victims
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Please remove all accounts listed, my information was compromised in a Data Breach. This debt has not been validated.
Company Response:
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I had a vehicle loan with Santander USA, We reached a settlement and they told me once debt was satisfied they would delete from all 3 credit reporting agencies. I paid debt off and it's still showing up on my credit reports.
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A