Date Received: 2021-10-08
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: This car is a fraud loan I don't have this car and the charge me too much on use car. They would have someone taking car at shopping mall all time I had this and charge me XXXX for car they sold to someone else. I know santander has lawsuits on loan. If they right off XXXX why I still have XXXX. Somethings not right on credit report.
Company Response:
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Greetings. XXXX forgive me for taking out a car loan when I KNEW better. I was pressured emotionally in this loan by XXXX XXXX XXXX when I took my other car in just for an oil change. I'm now and then grossing {$1500.00} per month with a {$700.00} car loan. How were they ABLE to approve such a car loan on that amount of income with a 29 % interest rate? I HAD GOOD credit then and GOOD credit now and didn't NEED a " Second time around lender ''. After speaking to the Executive Department XX/XX/XXXX they had the asked me if I still HAD the vehicle in my possession. I legally do have the vehicle attached to my name and credit report and IN my possession... '' Yes ''. What am I supposed to do RETURN it so I can joyfully " ACCEPT '' a voluntary repossession on my credit report? No... NOT gon na happen. Well... when did this car loan BECOME a problem Ms. XXXX? It BECAME a problem when XXXX went through XXXX last year in XXXX and every month for 11 months. Starting in XX/XX/XXXX, I called into Santander requesting an extension and was actually granted them " Thank you Santander ''. Now this is where it gets ugly ... After stumbling amongst the lawsuit during the last week of XX/XX/XXXX I reached out to Santander and they told me to speak to XXXX XXXX. I spoke to XXXX over at XXXX Consulting for 30 minutes and he actually apologized that Santander DIDNT ADD me to their data base contingent upon my financial situation. I spoke to a Lawyer about my case and they advised me to just communicate and see what position Santander is WILLING to take. Well on XX/XX/XXXX XXXX in the Executive Department stated that Santander is a " second time around lender '' and good luck Ms. XXXX. Wait! What? I told them then what were my options by which to be added to the data base and because I still HAD my vehicle I wasn't qualified. Okay how about I just drop the vehicle off at the car lot and hope to XXXX they better NOT place a volunteer repossession on my credit report! Basically Santander knew they were in VIOLATION of consumer protection laws of high levels of risk with a high probability of default when they issued this loan! And NOW is the time to FACE the Piper! Either LOAN FORGIVENESS or be prepared to PAY ALOT more in Litigation because I wont stop until it reaches the President of the United States of America.
Company Response:
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The car was traded in and paid for. Chrysler capital in the amount {$25000.00}. Want it remove from credit or to show paid off
Company Response:
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was ran without my knowledge or consent.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
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: Car was purchased in XX/XX/XXXX and was in an accident resulting in a total Loss in XX/XX/XXXX. This account was included in a LAWSUIT filed against the company in which the loan and any balance owed was to be deleted from my credit report due to a determination Santander used unfair predatory loan charges to low income and subprime credit customers. The settlement with Santander stated it will resolve allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default. Instead of doing so and removing this account from my report, it is inaccurately STILL REPORTING, affecting my score and has recently been updated to state closed as of XX/XX/XXXX is is absolutely NOT TRUE. I would like this account removed immediately or there will be legal consequences.
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
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. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on SANTANDER CONSUMER USA. Per XXXX, reporting must be XXXX XXXX accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/2020. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. Since, I have learned the finance charge is the sum of all charges. I should not have a bill from Santander Consumer USA. Santander Consumer USA continues to bill me each month. They have also violated 15USC 1692g and fail to info me on my right to rescind.
Company Response:
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: ** THIS IS NOT A DUPLICATE COMPLAINT. ** XX/XX/2021- Santander saw equity in my vehicle and even though we had a payment arrangement in the middle of a World wide pandemic wrongly repossessed my car. XX/XX/2021 - I filed a Chapter XXXX bankruptcy. That places an automatic stay on the car which Santander Consumer ignored against the US Bankruptcy laws. XX/XX/2021 - My car was returned damaged. Below I include a .pdf with the timeline and pictures of what happened. XX/XX/2021 - I filed a claim with Santander Consumer. I was told the company experienced damages due to repossessions. The company would fix my vehicle to the same condition as when it was taken. XX/XX/2021- Santander Consumer said they found no problems with the return of my car and would not fix any damages or replace missing parts. Santander Consumer wrongfully repossessed my car on XX/XX/2021. The company they hired was XXXX XXXX who broke my car rack and kayak carrier, scratched the exterior of my car, put paint inside the car and stole my spare tire kit. Santander Consumer and their shady business partners have stopped my full use of a car, a car I am paying for, for the last six months. When anyone touches your personal property that property must be returned in the original condition it was taken. I have been lied to by Santander Consumer and its business partners. I have been cheated of the use of my vehicle, my time and money. And, Santander Consumer continues the same deceptive, misleading and cheating business practices they have a long list of class action lawsuits they continue to lose because the way Santander Consumer is treating consumers is against our laws.
Company Response:
State: FL
Zip: 34957
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A