Date Received: 2021-10-04
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. This account SANTANDER with Account Number XXXX and a Balance : {$5200.00} is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The attached Writ of XXXX XXXX was attached to my home at XXXX XXXX XXXX XXXX, XXXX Ga XXXX as a XXXX. This is not my debt. It appears this was orchestrated in order to damage me further in BRC Case Number XXXX, It appears the Trustee could have been involved as he is unethical, I am requesting all information be sent to me in order to take all necessary legal approaches.
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX, entered into a consumer credit transaction with XXXX XXXX. Santander Consumer USA is the bank that was used for the finance charge. Santander Consumer USA is attempting to collect a debt. This is a violation of my rights pursuant 15 usc 1692 ( b ). Being that XXXX XXXX violated 15 usc 1605, ( did not include insurance in my finance charge and also took cash as downpayment ) the contract is null and void. Santander Consumer USA sent me a notice with a witten line stating " this is an attempt to collect a debt '' which is a violation of 15 usc 1692 ( b )
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX | DOB : XX/XX/XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Account Name : SANTANDER Account Number : XXXX Reason : I don't recognize this account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks, XXXX XXXX
Company Response:
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XX/XX/2021 I mailed an affidavit of truth, exhibits of violation, invoice and notary presentment to Santander Consumer USA. Santander has failed to remedy me for their fraudulent activity in connection to my consumer credit transaction.
Company Response:
State: FL
Zip: 34491
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Disputes were submitted to all three credit reporting agencies on multiple occasions this year. Santander continues to verify the account as accurate. This account was to be deleted per the multi state settlement agreement with the attorney generals office .This account meets all the legal criteria. Additionally Santander violated many other Federal laws which entitles me to financial compensation.
Company Response:
State: CA
Zip: 92308
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander continues to verify this account after they were instructed to remove it due to the multi state settlement agreement they entered into with the attorney generals office. I have submitted 4 disputes this year with XXXX and the latest dispute was again verified a few days ago. My account meets all legal the criteria. I continue to incur damages and was recently denied credit due to this matter. Additionally, Santander violated several other laws in which I will pursue legal action if this issue isnt immediately resolved.
Company Response:
State: TX
Zip: 78413
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I had a vehicle loan with Santander consumer USA. In the last 2 year during pandemic I had hard time to pay my loan but I used inherited Money I received and paid them off. They still reported to credit score companies after I told them I am out of my job for the pandemic and I was on unemployment benefit. I also was in hospital and had some operation XXXX XXXX XXXX XXXX which kept me farther out of job. I was also infected with XXXX XXXX which had to isolate with severe symptoms which made me unable to work also
Company Response:
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: INFORMATION IS BEING REPORTED ON MY CREDIT PROFILE THAT WAS NOT MADE BY ME
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My husband went to XXXX XXXXXXXX to view a car. I was not present. XXXX XXXX ran my credit report without my authorization and had 4 companies pull inquiries on my credit. I was not in attendance nor was anything signed. None of this was authorized. Later, I did purchase the car and paid cash. No credit was involved. All happened on XX/XX/XXXX. SANTANDER CONSUMER USA Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies
Company Response:
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2021-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A